LCBA recognizes the fact that we cannot offer "all things to all people", so
through our LCBA agency we make available to our members and potential members
virtually all life insurance and annuity products available today.
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.
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
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