Traditional Life insurance


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. .



Family Protector Plan

Since its 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.

Customized Plan

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.

Life Insurance Stories

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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