• At least one parent must be an LCBA Benefit of Agency member.
  • Newborn must be/have been a live birth.
  • $2,500 benefit provided if newborn dies less than 60 days after birth.
  • Guaranteed coverage option must be requested and coverage must be in effect (applied and paid for) prior to the newborn’s 60th day of life.
  • Guaranteed coverage is based on standard rates of permanent life insurance.
  • Guaranteed coverage will not be issued until after the newborn has survived at least 16 days.

The member parent, if living, must be insured at least 90 days before the birth of the infant; or if not living must have been insured at time of his or her death.