Insurance Funding for Pre-Arranging Funerals

LCBA (Loyal Christian Benefit Association), founded in 1890, is a fraternal not-for-profit insurance provider that operates under the "common bond" of Christianity and returns earnings from the sale of financial service products to our member customers and their communities in the form of direct member benefits and support of local community service projects.

Since we introduced our pre-need products in 1995, LCBA has:

  • Issued over 29,000 Pre-Need policies
  • Totaling over $177 Million

We provide competitively priced, financially secure life insurance and annuity products. The Independent Standard Analytical Services, Inc., shows LCBA as having greater solvency than nearly half of 25 of America’s largest life insurance companies, with twice the average percentage of liquid assets.

"Our family would recommend LCBA to any funeral home in the country. You’re dealing with a strong company, good return, and very honest people."

Chuck St. John - Funeral Director
St. John Funeral Home - Bedford, OH

Working with a Trust?

A few main differences between our products and trusts you should be aware of:

Our products have no administrative fee.

Nobody works for free – including trustees. Trust administrative fees are generally based on a percentage of the assets under management and can easily run into the thousands of dollars per year. One trust we recently reviewed had fees of over $8,400 a year.

By law LCBA life insurance and annuity products grow on a tax deferred basis, so policy certificate owners don’t get a “nuisance” 1099 each year.

The gain from growth in a trust account is considered income so someone has to pay the income taxes on that gain each year. Either the trust pays the taxes from the account values, or sends a 1099 to each trust participant.

Our growth is consistent and the value of the death benefits don’t "go backward".

Most trusts invest in bonds and stocks - assets that are subject to market fluctuation. Although the gains in trusts can be attractive, values can plunge very quickly. In 2008 many trusts experienced a drop in value of over 40%! When this happens (and it’ll probably happen again), it can take months or possibly years for account values to recover. Until trust account values recover, when a participant in the trust dies his or her account may be hundreds or thousands of dollars short of providing the funds to pay for the funeral. Placing your family’s pre-need funds in LCBA insurance and annuity products insulates you and your families from these roller-coaster fluctuations.

Online Access

The Director's Path Website offers a 24-hour "Agent Only" portal (accessible by a user ID and password) that provides you with access to our on-line application, information on policy death benefit values, forms, discounted insurance license continuing education courses, 24 hours a day, 7 days a week.

Our application kits are designed to be quick and easy to complete and we offer an on-line application that saves time and is virtually error-proof!

Funeral Home Benefits

The Director’s Path Website:

Our secure “Agent Only” website provides you with access to our on-line application, information on your preneed accounts, forms and commission statements 24 hours a day, 7 days a week. LCBA’s online application is easy to use and can be customized with specific packages you can offer, which makes completing the application process more efficient.

Toll Free Pre-Need Support Hotline

When you call the LCBA Pre-Need Support Hotline, the phone is answered by individuals with over 75 years of combined experience. Our goal is to provide you with one-call service.

Fast Fax Claim Service:

Claims submitted by fax before 12:30 p.m. are processed that day, with payment direct deposited into the funeral home account and usually available the next banking day.

Pre-Calc Calculator

Software to make calculating death benefit “bumps” easy. Includes a print function to produce a well-designed presentation for family discussions. iPhone and iPad apps also available.

Marketing Support

Data Mining Support Pre-need Education Kits A d Templates and Design Services Turnkey Seminar Presentations Direct Mail Campaigns Co-op Advertising

Member Benefits

Your families receive great member benefits including:
  • A FREE aftercare program
  • Scholarship availability for children and grandchildren
  • Prescription Drug Discount Program for all family members
  • ID Theft protection
  • Discount program for hearing aids

Our net proceeds are returned back to our members and their communities instead of paying shareholders like other commercial providers. To learn more please visit – our member benefits page.

"My husband Stanley and I have made our pre-need arrangements using LCBA along with my sister Marion who passed away last year. Everything for Marion’s funeral went very smoothly. We have 16 grandchildren most of whom attend Christian schools. During the last several years we have entered several of them in drawings for scholarships offered by LCBA. They have received 13 scholarships totaling $2600 over the years. This has been financially helpful to their parents. This is only one of the many benefits to membership in LCBA. I most heartily recommend enrollment in LCBA."

Shirley & Stanley Widomski | Edward J. Garr Funeral Home (Erie, PA)

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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