Funeral Pre-Arrangement Funding

OVERVIEW

Our Funeral Pre-Arrangement Funding Products are primarily offered through agents affiliated with funeral homes in Pennsylvania, Ohio, Kentucky and Florida. Our Traditional life insurance and annuity products are offered in 35 states and the District of Columbia through independent agents and our "in house" LCBA Agency. The LCBA Agency was established to enable us to serve our members with not only LCBA products, but virtually all of the products available in the market today. Our goal at the LCBA Agency is to provide you with the "Best, Right Solution to your needs".

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Funeral Pre-Arrangement Funding Products

LCBA recognizes the fact that often it is necessary or desirable to pre-arrange a funeral and that often the need to fund those arrangements is driven by the need to help qualify for Medicaid benefits. Our pre-arrangement \funding products can be irrevocably assigned to a funeral home to meet Medicaid guidelines so your funds are protected from Medicaid "Spend-down". We also see many situations where individuals choose to make and fund their funeral pre-arrangements as a "last gift" to the family, to avoid arguments between surviving family members, or to make sure their funeral is done "their way".

We have two products designed to provide the optimum tax deferred growth for your funds:

Futura Insurance Plan

Our Futura Insurance plan is a specially designed life insurance plan for funding funeral pre-arrangements. Futura plans include single premium and multi-pay or installment plans with up to 10 years to pay. Our installment plans have a "same as cash" feature that allows early payoff within a limited period of time. These plans can be obtained on individuals in relatively good health from age 36 to 85. Single premium plans require that only one simple health question be answered; our installment plans require a second health question.

Guardian Tax Deferred Annuity

Our Guardian tax deferred annuity is an open account that can accept a single premium or payments over time and is designed for individuals who cannot qualify for our insurance plans because they fall outside of the age range, have health issues, or are unable to commit to making a contribution to their funding program on a regular basis. Guardian Annuities provide for guaranteed growth so unlike funeral trusts, your money always grows.

Both of our Pre-Arrangement funding products provide competitive growth on a tax deferred basis. While the growth on our life insurance products cannot by law be guaranteed, these products have a long history of providing competitive growth. For information on current growth rates for our Futura Life or Guardian Annuities, contact your local funeral home or give us a call at 800-234-5222.

You were very helpful in my time of such a great loss. Thank you very much.

ALLENE BYRNES, LCBA MEMBER SINCE 1982

I thought LCBA handled all my needs fantastic. JOB WELL DONE. Thank you so very much!

LINDA FACKLER

I was very happy with the ease and promptness in which you handled the matter of settling my moms beneficiary life insurance policy.

MARY GABRIEL

I have a great respect and trust for LCBA. Always very helpful and courteous. Even my financial advisor at Janney tells me not to mess with my account with you. He was very impressed with the guaranteed return rate.

CATHERINE MACK, LCBA MEMBER SINCE 1992

I have been a member since I was a child. I am happy with LCBA.

FATHER THOMAS HAREN, LCBA MEMBER SINCE 1982

I have always had excellent service.

FATHER EDWAD STORCK, LCBA MEMBER SINCE 1992

I think you are doing great work. Keep up the good work.

MATTIE LEARY, LCBA MEMBER SINCE 1998

This was the first interaction I've had with your office and it was handled well and courteously!

SR. MARY LOU DEBAUCHE, LCBA MEMBER SINCE 1960

Excellent!

SANDRA PFEIFFER, LCBA MEMBER SINCE 2014

I have been happy to have an annuity with LCBA. I have had insurance since 1953.

AGNES GOSSER, LCBA MEMBER SINCE 1953

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Life Insurance with a Conscience since 1890®.

That simple belief is what differentiates Loyal Christian Benefit Association (LCBA) from competitors. Yes, we sell insurance: Funeral Pre-Arrangement Funding Products, Traditional Life Insurance Plans, Tax Deferred Annuities and Medicare Supplement Products. But what makes LCBA different is we operate under the "common bond" of Christianity and return earnings from the sale of financial service products to our member customers and their communities in the form of member benefits, discount programs and scholarship opportunities.

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LCBA

Founded in 1890 LCBA is a unique type of organization that provides the financial protection our members need, with the added benefit of helping those in need. We put our earnings back into communities and causes, not pockets.

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PO Box 13005 | Erie, PA 16514

outreach@lcbalife.org

1.800.234.5222

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