Tax Deferred Annuities


One of the most effective estate planning tools available today is the Tax Deferred Annuity. Unlike bank CDs, LCBA Legacy Annuities provide for tax deferred growth, and funds in our Legacy Annuity plans pass directly to your named beneficiary(s) bypassing probate court and the fees that can drain an estate. While many companies offer "bonus" interest rates to entice you to put your money with them, then drop your interest rate in subsequent years, LCBA's philosophy is to provide you with the best growth possible in all years given the safety you are looking for with guaranteed growth.1



Tax Deferred Annuities

The Legacy Annuity can be set up so that the named beneficiaries receive either a lump sum benefit or an income stream to avoid situations where the beneficiary may be tempted to spend their inheritance in a manner that would be detrimental to them or against your wishes.

Legacy Annuities have an eight year surrender period (a "penalty for early withdrawal" that decreases each year) but we allow for penalty free withdrawals of up to 10% per year during the surrender period. In addition, Legacy Annuities allow for the penalty free withdrawal of up to an additional $25,000 of your funds due to confinement in an eligible nursing home.2

1. LCBA Annuities have a rate guarantee that is calculated using 5-year constant maturity treasury rates and will not be less than 1.0% nor greater than 3.0%. 
2. This benefit is provided under the Nursing Home Rider #NHR-99

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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