LCBA offers a variety of life insurance and annuity products to our members. Generally these products are promoted and offered through two different distribution systems.



LCBA Agency Products

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".

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 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".

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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, and Tax Deferred Annuities. 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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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.


PO Box 13005 | Erie, PA 16514



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