Lafayette Life
A Cincinnati life and annuity issuer founded in 1905 and a member company of Western & Southern Financial Group - a mutual-holding-company enterprise with roughly $88 billion in consolidated assets - carrying an AM Best A+ (Superior) rating across a planning-oriented shelf of whole life, fixed indexed annuities, immediate annuities, and small-business retirement solutions.
Financial strength
A+
AM Best
AA-
S&P Global
AA
Fitch
95
Comdex
AM Best A+ (Superior)
Lafayette Life carries an A+ (Superior) Financial Strength Rating from AM Best - the second-highest of thirteen categories.
Founded 1905
Established in 1905 and headquartered in Cincinnati, Ohio; more than 120 years of continuous operation as a life and annuity issuer.
Western & Southern member
A member company of Western & Southern Financial Group, Inc., a Cincinnati-based mutual holding company enterprise with ~$87.95B in consolidated group assets at year-end 2025.
Marquis FIA line
Lafayette Life's annuity lineup centers on the Marquis fixed indexed annuities - Marquis Centennial for accumulation and Marquis S&P for lifetime-income planning.
Small-business retirement
More than 50 years serving small-business retirement-plan needs - plan design, administration, funding, and distribution support beyond individual annuities.
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Income FIAs
Selected product: Marquis S&P
An income-focused fixed indexed annuity group for comparing rider-driven lifetime-income scenarios.
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Explore Lafayette Life products
Known Lafayette Life product pages, grouped by what each product group is built to do. Confirm current rates and availability in the analyzer or on the product page.
Fixed Index Annuity - Growth
Index-linked annuities built for protected growth, with product pages for checking caps, participation rates, and fixed-account options.
- Growth-oriented FIAs grouped by accumulation purpose
- Individual product pages are the place to check rates, terms, riders, and disclosures
Best for: Buyers comparing principal-protected growth potential before checking a product page for current strategy details.
This directory is not a statement of current availability. Confirm current rates, state availability, premium bands, and rider terms in the analyzer or on each product page.
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Find your fit
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Company overview
What Lafayette Life is
The Lafayette Life Insurance Company, founded in 1905 and headquartered in Cincinnati, Ohio, is a life and annuity issuer focused on permanent protection, retirement accumulation, guaranteed income, and small-business retirement planning through a nationwide network of independent agents.
Checked 2026-07-07 · AnnuityRatesHQ carrier research, June 2026
Lafayette Life is a member company of Western & Southern Financial Group, Inc., a Cincinnati mutual holding company enterprise. The parent provides group-level scale and shared resources, while Lafayette Life remains the legal issuing carrier standing behind its own contracts and guarantees.
Checked 2026-07-07 · AnnuityRatesHQ carrier research, June 2026
Lafayette Life offers Marquis Centennial alongside Marquis S&P.
Verified July 2026 · CANNEX Financial Exchanges via AdvisorWorld
Scale, labeled
Founded
1905
Established in Cincinnati, Ohio; more than 120 years of operation.
Founded 1905 · AnnuityRatesHQ carrier research, June 2026
Owner
Western & Southern
Member company of Western & Southern Financial Group, Inc.; ~$87.95B consolidated group assets at YE2025 (parent/group figure).
YE2025 (group figure) · AnnuityRatesHQ carrier research, June 2026
Issuer assets
~$7.78B
Lafayette Life issuer-level total assets at year-end 2025 (GAAP condensed); ~$1.06B total equity.
YE2025 (issuer figure) · AnnuityRatesHQ carrier research, June 2026
AM Best
A+ (Superior)
A+ Financial Strength Rating from AM Best; also S&P AA-, Fitch AA, Comdex 95; not rated by Moody's.
Checked 2026-07-07 · AnnuityRatesHQ carrier research, June 2026
History highlights
The Lafayette Life Insurance Company was established in 1905 as a life insurance provider.
Founded 1905 · AnnuityRatesHQ carrier research, June 2026
Over more than a century it built a participating whole life core and later added fixed indexed annuities, immediate annuities, and small-business retirement-plan services through independent-agent distribution.
Checked 2026-07-07 · AnnuityRatesHQ carrier research, June 2026
Following its affiliation with Western & Southern Financial Group, AM Best upgraded Lafayette Life to A+ in 2005, strengthening its rating profile within the group.
Upgraded 2005 · AnnuityRatesHQ carrier research, June 2026; AM Best
A member company on the Western & Southern platform
Lafayette Life is a member of Western & Southern Financial Group, Inc., a diversified family of financial-services companies structured as a mutual holding company - meaning there are no stockholders at the enterprise level and long-term policyholder interests are central to the corporate narrative.
Checked 2026-07-07 · AnnuityRatesHQ carrier research, June 2026
The mutual holding company structure does not eliminate business, investment, or product risk, but it helps explain why Lafayette Life emphasizes long-term strength, participating whole life dividends, and policyholder value - qualities that matter when clients hold contracts for decades.
Checked 2026-07-07 · AnnuityRatesHQ carrier research, June 2026
Group-level context is meaningful but not a substitute for issuer analysis: Lafayette Life reported roughly $7.78B in total assets and $1.06B in total equity at year-end 2025, while Western & Southern reported ~$87.95B in consolidated group assets. Policyholder guarantees remain the obligation of Lafayette Life as the legal issuing carrier.
YE2025 (parent/group figures labeled) · AnnuityRatesHQ carrier research, June 2026
Financial strength
AM Best
A+
Superior financial-strength rating - the second-highest of thirteen AM Best categories; outlook Stable.
Checked 2026-07-07
S&P Global
AA-
Very Strong financial-security rating from Standard & Poor's.
Checked 2026-07-07
Fitch
AA
Very Strong insurer financial-strength rating from Fitch.
Checked 2026-07-07
Comdex
95
Composite ranking of 95 out of 100 across rating agencies; a comparison score, not a rating-agency opinion. Lafayette Life is not rated by Moody's.
Checked 2026-07-07
What makes Lafayette Life different
More than 120 years of continuity
Founded in 1905, Lafayette Life has endured multiple interest-rate regimes, product cycles, and regulatory changes - continuity that matters for a carrier whose policy obligations often stretch across decades.
Checked 2026-07-07 · AnnuityRatesHQ carrier research, June 2026
Mutual-holding-company backing, issuer continuity
As a Western & Southern member company, Lafayette Life pairs a smaller-company service narrative with a mutual holding company parent - gaining group scale while remaining the legal carrier standing behind its own contracts.
Checked 2026-07-07 · AnnuityRatesHQ carrier research, June 2026
A planning-oriented shelf, not rate-only
Lafayette Life is advisor-led rather than a mass-market rate shop: participating whole life, fixed indexed annuities, immediate annuities, small-business retirement plans, and advanced-markets support give producers multiple ways to use one carrier relationship.
Checked 2026-07-07 · AnnuityRatesHQ carrier research, June 2026
The Marquis FIA chassis
The current annuity lineup centers on two fixed indexed annuities - Marquis Centennial for index-linked accumulation with no income rider, and Marquis S&P built around a GLWB lifetime-withdrawal rider - each with current published values.
Verified July 2026 · CANNEX Financial Exchanges via AdvisorWorld
About Lafayette Life
The Lafayette Life Insurance Company, founded in 1905 and headquartered in Cincinnati, Ohio, is a member company of Western & Southern Financial Group, Inc. - a mutual holding company enterprise. Lafayette Life is the legal issuing carrier for its own products and should not be merged with affiliated Western & Southern insurers.
Checked 2026-07-07 · AnnuityRatesHQ carrier research, June 2026
Lafayette Life carries an AM Best A+ (Superior) rating, with S&P AA-, Fitch AA, and a Comdex of 95. Its planning-oriented lineup includes participating whole life, immediate annuities, and small-business retirement services, while its fixed indexed annuities center on Marquis Centennial and Marquis S&P.
Checked 2026-07-07 · AnnuityRatesHQ carrier research, June 2026; AM Best
Lafayette Life separates the accumulation-focused Marquis Centennial from the income-oriented Marquis S&P.
Verified July 2026 · CANNEX Financial Exchanges via AdvisorWorld
Free Comparison Report
Get Lafayette Life's current rate report
Compare Lafayette Life's live rates, carrier ratings, and product tradeoffs against alternatives in one personalized report.
Sources
- Lafayette Life corporate site — 2026-07-07
- AnnuityRatesHQ carrier research - Lafayette Life overview, founded 1905, Western & Southern Financial Group member, AM Best A+ (S&P AA-, Fitch AA, Comdex 95, not rated by Moody's) — Checked 2026-07-07
- Live product catalog (Marquis Centennial, Marquis S&P fixed indexed annuities), rates, riders: CANNEX Financial Exchanges via AdvisorWorld — Verified July 2026