LCBA Whole Life Agent Contracting

Loyal Christian Benefit Association (LCBA) offers Family Protector II whole life. Its pricing can be competitive in the states where it's available. Independent agents can contract with LCBA through Agent First.

Loyal Christian Benefit Association (LCBA) is a smaller carrier that can provide some very competitive pricing advantages for final expense agents operating in states where the company is available. While LCBA is only offered in select states, many agents who have access to the carrier keep it available because of its low rates and unique product structure.

Agents contracting through Agent First Contracts receive a direct contract with Loyal Christian Benefit Association. Agents are paid directly by the carrier and maintain direct access to their business.

Why Agents Use LCBA

LCBA stands out because of its competitive pricing and simplified digital application process. In many situations, lower rates can help agents win business in highly competitive homes where budget becomes one of the biggest deciding factors.

For final expense agents, having another carrier with aggressive pricing can create additional placement opportunities and help prevent losing business over premium differences.

Even though LCBA operates in select states only, agents who have access to the company often consider it a valuable addition to their portfolio because of the pricing advantages it can provide.

• Direct carrier contract
• Paid directly by the carrier
• Competitive commission opportunities
• Very competitive pricing in many situations
• All-digital application process
• Immediate underwriting decisions
• Simplified issue whole life products
• Guaranteed issue options available
• Strong fit for budget-sensitive clients

Family Protector II Whole Life Product

LCBA’s Family Protector II product is an all-digital instant-issue whole life insurance product designed for the senior market. The application process is fully digital and allows for immediate underwriting decisions at the point of sale.

Coverage is available for ages 0-85 with face amounts ranging from $5,000 to $50,000 depending on underwriting class and eligibility. The product includes Preferred, Standard, Modified, and Guaranteed Issue underwriting classes.

Family Protector II also offers several payment structures including Continuous Pay, 20 Pay, and Single Pay options.

Competitive Pricing Advantages

One of LCBA’s strongest advantages is pricing. In final expense sales, small premium differences can often determine whether an agent wins or loses the business. Having another competitively priced product available can help agents stay competitive in the home.

For agents working direct mail leads, telesales, or highly competitive appointments, LCBA can become an extremely useful carrier when price sensitivity is a major concern.

Agents who understand how to use multiple carriers strategically often find LCBA to be a valuable tool for improving placement opportunities and helping clients fit coverage into their budget.

Availability by State

LCBA products are only available in select states. Because availability is limited geographically, agents operating in eligible states often view LCBA as a valuable opportunity to add another competitive pricing option to their lineup.

Who LCBA Is Best For

LCBA is a strong fit for agents who:

• Need additional competitive pricing options
• Work highly budget-sensitive clients
• Write final expense consistently
• Want another instant-decision carrier
• Prefer digital application systems
• Need guaranteed issue options available
• Operate in states where LCBA is available

Contracting Information

Agents contracted through Agent First Contracts receive:

• Direct contract with Loyal Christian Benefit Association
• Paid directly by the carrier
• Access to Family Protector II whole life products
• Independent agent opportunity
• Competitive commission opportunities
• Access to all-digital instant-issue applications

For agents operating in eligible states, LCBA can be a very useful carrier to have available because competitive pricing alone can help win business that may otherwise be lost.

Frequently Asked Questions

Is LCBA good for final expense agents?

Yes. Many agents value LCBA because of its competitive pricing, digital application process, and immediate underwriting decisions.

Is this a direct contract?

Yes. Agents receive a direct contract and are paid directly by the carrier.

What is Family Protector II?

Family Protector II is LCBA’s all-digital instant-issue whole life insurance product designed for final expense and senior market coverage.

Does LCBA offer instant underwriting decisions?

Yes. Family Protector II allows for immediate underwriting decisions at the point of sale.

Why do agents keep LCBA available?

Many agents use LCBA because competitive pricing can help win business in budget-sensitive situations.

Get Contracted with Loyal Christian Benefit Association

If you are looking for a competitively priced final expense carrier with digital applications, immediate underwriting decisions, and a direct contract paid directly by the carrier, LCBA can be a valuable addition to your portfolio in eligible states.

Get LCBA Appointment Now · All Insurance Carriers · Life Insurance Commission Levels