Lloyd was born February 8, 1925, in St. Joseph, Missouri (home of the Pony Express). He was reared in Armourdale, the toughest section of Kansas City, Kansas. His family was very poor. They were self-reliant during the Great Depression, at a time when welfare did not exist. He was orphaned at age thirteen.

When Pearl Harbor was bombed (December 7, 1941), he dropped out of high school and was in the Navy Recruiting Office early Monday, December 8, 1941. He entered Pearl Harbor March 16, 1942, where he boarded what was to become the most decorated ship in the U.S. Navy (USS Enterprise). He earned two silver and four bronze combat stars while aboard the ship. He returned to the States after approximately three years, and married Esther Beck. Completing five years, he left the navy and later jointed the new Air Force.

He and Esther had two children (Carolyn and Gary). Lloyd retired from the Air Force after acquiring his education and completing twenty years military service. He worked in civil life as an engineer for such companies as Parsons Engineering, Chrysler Airtemp, Northrop Space Labs, Northrop Carolina, Olin Corporation, Northrop Corporation Aircraft Division.

Lloyd and his wife returned from working five years in Saudi Arabia with the Northrop in 1977 and found their Valhalla in Winter Springs, Florida, where they remained for twenty-five years. After the loss of his wife, Lloyd moved to be near his son in Melbourne, Florida.

A visitation will be held on Monday, October 5, 2015 at Newcomer Funeral Home on Goldenrod from 9:15 - 10:00 AM. The funeral service will begin at 10:00 AM. Following services at the funeral home, a graveside ceremony will take place at Florida National Cemetery at 1:00 PM with military honors.