Loyal Christian Benefit Association, Pennsylvania(PA):Contacts, Products , Claims ,FAQS and ,More

In 1890, Loyal Christian Benefit Association  was established as a distinctive organization that offers its members the financial security they require, while also contributing to charitable causes.

LCBA reinvests its profits into communities and various philanthropic efforts instead of personal gain. Members receive life insurance and other financial products, and in the process, they contribute to scholarships, charitable events, and similar initiatives.

LCBA stands out by making a positive impact, providing a type of protection that instills pride.

When making a choice, individuals can opt for both financial planning and giving back, rather than having to choose between the two.

An image of Loyal Christian Benefit Association
Loyal Christian Benefit Association.


Loyal Christian Benefit Association Details

NAIC#: 56758
DOM: Pennsylvania
CPAF: 724
Spl Risk:
Website: www.lcba.com
Admitted Dt: 05/01/1893
FId: 250606580
Company Name: Loyal Christian Benefit Association
Address: P O Box 13005
Erie, PA 16514-1305
Company Name History: (No Data Available)
Current Writing Powers:
NYS Insurance
Law Section Code Line of Business
4505 & 4501(H-P) NA


Loyal Christian Benefit Association products

LCBA provides life insurance, funeral pre-planning, annuities, and Medicare Supplement options.
Some of these products are underwritten directly by LCBA, while others are made available through the LCBA Agency in collaboration with various insurance companies, offering a wider range of choices.

Life Insurance

LCBA exclusively underwrites the Family Protector Plan, a final expense life insurance policy.
This policy is available for individuals aged 0 to 90 and offers simplified issue coverage of up to $25,000, without the need for a medical examination or extensive underwriting.
Those seeking a death benefit exceeding $25,000, however, will undergo a thorough underwriting process.
 Funeral Pre-Planning

LCBA collaborates with funeral homes to offer funeral pre-planning solutions.

These options enable individuals to allocate funds in advance to cover their funeral costs and also to make advance arrangements for their preferred funeral services.

This category comprises two products.

The Futura Insurance Plan essentially functions as a life insurance product that can be acquired through a single premium or installment plan.

Futura is a simplified issue product, and the benefit is directed to the selected funeral home to ensure it is exclusively used for the designated funeral expenses.

The alternative choice is the Guardian, which is an annuity rather than a life insurance policy.

This plan is tailored for individuals who may not qualify for a life insurance policy due to age or other factors.

The annuity is tax-deferred and can be paid as a lump sum or in installments over time.


In addition to the Guardian plan, LCBA provides annuity options to deliver retirement income or a death benefit to designated beneficiaries.

The Legacy Annuity is a tax-deferred investment featuring a guaranteed interest rate and an eight-year surrender period.

Loyal Christian Benefit Association Claims Process

Filing a Claim (Online, Over the Phone, Mobile Apps)

Loyal Christian Benefit Association (LCBA) offers multiple avenues for claim submissions.

While specific details regarding the claims process are not readily accessible on their website, they do provide contact options, such as phone and email.

Furthermore, during our review of their website, a live online chat service frequently appeared, which could potentially be utilized for inquiries related to claims.

Average Claim Processing Time

LCBA does not furnish information concerning the average claim processing time on their website. Individuals interested in this information may need to establish direct contact with LCBA.

The absence of readily available data regarding claim processing time may be a point of consideration for those seeking transparency in the claims procedure.

Customer Feedback on Claim Resolutions and Payouts

Although there is limited available data regarding customer feedback on LCBA’s claim resolutions and payouts, it’s noteworthy that the few reviews discovered on platforms like Google and Facebook generally expressed satisfaction.

However, one negative review did mention non-payment of benefits, suggesting that occasional issues with claim resolutions may arise.

Given the limited number of reviews and the absence of information from authoritative sources like the Better Business Bureau (BBB), conducting a comprehensive evaluation of LCBA’s claims process and customer feedback remains a challenging task.

Online  And Tech Features Of Loyal Christian Benefit Association

Mobile App Features and Functionality

The provided information does not mention the existence or functionality of a mobile app for LCBA.

Individuals interested in the features and functionality of a potential mobile app should reach out to LCBA directly or refer to their website for the latest updates regarding any mobile app offerings.

Online Account Management Capabilities

The content lacks specific information concerning LCBA’s online account management capabilities.

Online account management is an essential feature for policyholders, as it allows them to access policy information, make payments, and potentially initiate claims from the convenience of their devices.

Individuals seeking in-depth information about LCBA’s online account management features should explore the company’s website or contact their customer service.

Loyal Christian Benefit Association Reviews And Rating

LCBA has received three positive Google reviews, and on Facebook, there are six reviews, the majority of which are straightforward with a 5-star rating and no accompanying comments.

One comment suggested the review might have been motivated by a contest, while one review expressed dissatisfaction due to non-payment of benefits.

Apart from these scant reviews, there is limited available information concerning LCBA’s reputation. Notably, the Better Business Bureau (BBB) does not maintain a listing for LCBA.

Given LCBA’s status as a fraternal society with a relatively small product range, the limited availability of information is not entirely unexpected.

Frequently Asked Questions

What is Loyal Christian Benefit Association (LCBA) Insurance?

Loyal Christian Benefit Association (LCBA) Insurance is an insurance company that offers Medicare and life insurance products. They provide coverage and financial protection to individuals and families in the form of health insurance for seniors and life insurance policies.

How can I review Loyal Christian Benefit Association Insurance?

To review Loyal Christian Benefit Association Insurance, you can visit various online review platforms and websites that specialize in insurance company reviews. Look for authentic and reputable sources that provide insights and opinions from customers who have had experience with LCBA Insurance.


I hope you found this article about   PA   Company informative and helpful.

If you want to learn more about other reinsurance topics, you can check out my other articles on this blog


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