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.