Some of the company's products that we offer include:

Met Life
Banner Life
William Penn

  • Family Protector Plan
  • Customized Plan

Since it's inception in 1890, LCBA has provided what is now referred to as "final expense" life insurance - smaller policies intended to provide money to pay for funeral and other expenses triggered by a person's death. Our Family Protector whole life plan is designed to provide protection for your family in a cost effective coverage plan for individuals from age 0 to 90. Once a policy is issued, Family Protector premiums cannot change - they are guaranteed. For coverage under $25,000, underwriting is simplified with only 6 simple questions and no medical exam or blood work is required. Coverage for amounts of $25,000 or more are available, but with more complete underwriting.

Family Protector coverage can be customized to include:

  • Accidental Death Benefit that can double the base death benefit up to $250,000,

  • Waiver of Premium that will make your premium payments for you in the event you are totally disabled for 6 months or more

  • Children's insurance rider is also available that covers all children in your family (naturally born or adopted) from 16 days to age 21 at the time of issue and coverage lasts until the contract anniversary following the insured's 65th birthday or until each child reaches the age of 25, whichever comes first. As each covered child reaches the age of 25, he/she has the option of converting the coverage to any LCBA permanent plan with a minimum face amount of $5,000 to a maximum of five (5) times the face amount of the term rider.

Death benefit proceeds from our Family Protector Plans not only pass to named beneficiaries income tax free, but can be provided as a lifetime income or a lump sum!