Loyal Christian Benefit Association (LCBA) is a life insurance provider with a conscience: A not-for-profit fraternal benefit society looking ahead to the needs of tomorrow’s world. LCBA reinvests its earnings in its members and their communities.
Everyone who holds an LCBA annuity or insurance certificate becomes a benefit member, joining more than 32,000 members across 28 states and the District of Columbia.
Please visit the links above to learn more about our association and the advantages of membership. As a life insurance provider, the LCBA maintains licenses in certain states across the U.S. For a list of states we are licensed in and other vital information about our coverage, please visit our forms page.
WHAT IS A FRATERNAL BENEFIT SOCIETY?
Like commercial life and health insurers, fraternal benefit societies offer insurance products and are chartered in accordance with state insurance laws. From there the differences are significant. Although each society is unique, under law all must:
Be not-for-profit
Conduct fraternal programs for members and the community
Have a representative form of government
Have a system of local branches
Provide insurance and other benefits to members
Ten million men, women and children belong to the more than 200 fraternal benefit societies in the United States today, with various ethnic, religious and vocational backgrounds, but all organized around a common bond. LCBA’s common bond is Christianity.
Fraternals maintain some of the world's largest private systems of scholarships and other educational support, providing more than $11 million annually for students and the institutions they attend. Fraternals support and maintain orphanages, homes for the aged, churches, and other humanitarian, service and social institutions and agencies. They provide financial and other support for the indigent, the dying and others needing a helping hand. They give material and financial support to the stricken and homeless who are victims of floods, tornadoes, fires and other disasters.
In one year's time members volunteer more than 25 million hours to help people in need. Fraternalists annually provide 13,700 scholarships with a value of $4.6 million. From launching a volunteer fire department in Kansas or emergency ambulance service in Pennsylvania to conducting a dinner in Ohio to help a cancer victim overcome burdensome medical bills; these are all examples of a strong investment in our present and our future, fraternalists at work.
Fraternal benefit societies are a unique mix of business and volunteerism. The mission of LCBA is “to uphold the sacredness of life’s transitions” through the sale of insurance and annuities, using net proceeds to fund related benevolent activities.
LCBA MEMBER BENEFITS:
Scholarships – Elementary/Secondary School, Post-Secondary School, Camping and Elderhostel
Accidental Death Benefit
Newborn Benefit
Orphan Benefit
Financial Transitions Benefit – A free consultative service to help you with challenging financial transitions.
Making funeral arrangements will prompt you to think about other areas of your life where financial protection is needed, such as: wealth transfer, final expenses, succession planning and extended family. The LCBA Agency is a life insurance provider with a conscience: a subsidiary of the not-for-profit LCBA. Our agents provide you with a wide array of nationally recognized insurance and annuity products through an impartial, no pressure, non-commission-driven approach. We know that no two families are alike when it comes to financial security needs. Our commitment is to do “the best right thing” for you and your family.
Contact a friendly, licensed, salaried LCBA Agency professional today at 1-800-234-5222.
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Be not-for-profit