Member Benefits


Most providers will tell you that when you purchase life insurance you're buying peace of mind: the certainty that if you die unexpectedly and your income goes away, the people who depend on you won't be left without financial resources. That's true and wonderful. It's also the primary benefit LCBA offers.

But wouldn't it be nice to get something you can use TODAY in exchange for the premiums you pay? When you purchase an LCBA insurance certificate or annuity, you do! You become a member of a fraternal benefit society: a not-for-profit organization that operates under the "common bond" of Christianity and returns earnings from the sale of financial service products to our members in the form of discount/value added benefits and support service projects through our member branches in their communities.

Not sure what member classification you are?

Benefit Members

1. Adult Benefit Members – All individuals age sixteen or older who are eligible for membership in the association and who are covered under a benefit certificate of the association are adult benefit members of the association.

2. Juvenile Benefit Members - All individuals who have not yet attained age sixteen who are eligible for membership in the association and who are covered under a benefit certificate of the association are juvenile benefit members of the association. Juvenile benefit members automatically become adult benefit members upon attaining age sixteen.

Non-Benefit Members

1. Agency Members - All individuals who are eligible for membership and are covered by an insurance policy issued by an insurer where the LCBA Agency acts as agent or agency for the policy.

2. Associate Members - All individuals who are eligible for membership and have either paid their individual membership dues or belong to a branch which has paid its annual branch fees but are not covered under either a benefit certificate of the association or a policy issued by an insurer where the LCBA Agency acts as agent or agency are Associate members.

Your member benefits include things like scholarships and discounts. Does this add to the cost of your life insurance or annuity? NOT ONE PENNY! It's just what we do with our net proceeds instead of paying shareholders like our for-profit competitors.

Take a closer look at our current benefits. Full explanations can be found by clicking an individual benefit below.

Benefit members include Medicare Supplement members and are eligible for all LCBA member benefits.

Value Added Benefits

Value Added Benefits

  • Insurance Strategist - Salaried insurance professionals available for consultation. Now also offering help to navigate Medicare Supplemental Insurance.

  • Direction Magazine - The official quarterly publication of the Loyal Christian Benefit Association.

  • Newborn Benefit - Ability to insure a newborn child regardless of his or her health for up to $5,000. An additional $1,000 benefit provided if the newborn does not live.

  • Orphan Benefit - $100 monthly income to qualified guardians or up to $1,800 annual college scholarship monies until either age 19; married; legally adopted; or in military service. (Maximum total assistance per family $50,000).

  • Bereavement Benefit - Choice of an evergreen tree seedling to plant in your memory or a complete grief recovery program that includes four 30-page booklets by Linda Findlay sent to your family one at a time as they enter specific time frames that represent stages of grief. We are now offering a rich cherry memorial flag case as a bereavement benefit exclusively for our veteran members.

Scholarship Benefits

Scholarship Benefits

Discount Program Benefits

Discount Program Benefits

  • PerkSpot - PerkSpot is a one-stop shop for exclusive discounts at some of your favorite national and local merchants! Access PerkSpot at work, home, or on the go & browse through thousands of discounts!

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  • Lifestyle Benefits - This program provides you and your immediate family non‐insured benefits that help you save on medical and everyday expenses. When you need dental care, eyeglasses, contact lenses, prescriptions, diabetic supplies and more, select a participating location from thousands of providers and pay less.

  • IDTheft Assist - A monthly subscription that gives you and your immediate family access to the quickest identity theft response services. IDTheft Assist has advocates who do all the work for you, so you can get back to your daily routine.

  • Prescription Discount Card -Save 10% to 85% on most prescriptions at over 60,000 pharmacies. Immediate family included-even pets!

  • American Hearing Benefits - Discount hearing benefits for LCBA members and their families through American Hearing Benefits, which provides, free annual hearing consultations, significant discounts on hearing aids, access to a nationwide network of 3,000+ hearing locations, one-year free office visits (limit of 6) and provides 40 free hearing aid batteries per year...

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, Tax Deferred Annuities and Medicare Supplement Products. 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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