Welcome to PBX Insurance Services, providing Life & LTC Insurance to LFCU Members! PBX Insurance Services is a division of Preferred Business Xchange, LLC, a wholly-owned subsidiary of Lafayette Federal Credit Union.

Welcome to our Web site, where you’ll find a wealth of information in the form of newsletter articles, calculators, and research reports.

We hope your visit will help you understand the opportunities and potential rewards that are available when you take a proactive approach to your life and long term care insurance needs. We have created this Web site to help you gain a better understanding of the financial concepts behind insurance - which includes strategies for investing, retirement, estate planning, and wealth preservation. Most important, we hope you see the value of working with the skilled professionals we have partnered with to fulfill your life and long term care insurance needs.

We’re here to help educate you about the basic concepts of insurance services; to help you learn more about who we are at PBX Insurance Services; and to give you fast, easy access to market performance data. We hope you take advantage of this resource and visit us often. Be sure to add our site to your list of "favorites" in your Internet browser. We frequently update our information, and we wouldn’t want you to miss any developments that could help you achieve your financial goals.

Estate Taxes

Use this calculator to estimate the federal estate taxes that could be due on your estate after you die.

Cost of Retirement

Use this calculator to estimate how much income and savings you may need in retirement.

Life Insurance

How much life insurance would you need to produce a sufficient income stream for your family?

LTCI Cost of Waiting

Estimate the potential cost of waiting to purchase a long-term care insurance policy.

More Calculators →

Municipal Haste

Municipal bonds offer an opportunity to earn an income that may be free of federal income tax.

Defend Your Retirement from Inflation

Over long periods, inflation can pose a significant threat to quality of life for retirees, primarily because it reduces the purchasing power of their retirement incomes.

The Benefits of Social Security

Take this quiz to assess how much you know about Social Security benefits.

Get Your Retirement Reality Check

A retirement needs-calculation goes beyond the commonly suggested target to have 70% of pre-retirement income.

More Newsletters →