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 or by downloading our Benefit Book.

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

Scholarship 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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  • 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..