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Fixed Indexed Annuity

Marquis® Centennial

Lafayette Life

7.5%

Best Cap

10%

Free W/D

50

Jurisdictions

Product data status: May 29, 2026

Rates, state availability, rider terms, and contract language must be confirmed with a licensed financial advisor or insurance professional before purchase. Guarantees are backed by the issuing insurer.

Live product data

Rates as of May 28, 2026, based on the latest AdvisorWorld scan of CANNEX data.

S&P 500 annual cap rate

7.5% cap on S&P 500

A ten-year-surrender fixed indexed annuity from A-rated Lafayette Life (Western & Southern), built for index-linked accumulation across cap, monthly-cap, and term-laddered participation strategies on the S&P 500 and two proprietary volatility-controlled indexes, with no income rider and no premium bonus.

1-year termAdvisorWorld + CANNEX data

Best fit

Buyers committed to a full ten-year deferral who want index-linked accumulation, value being able to mix crediting designs (cap, monthly cap, multi-year participation) on the same chassis, and don't need a guaranteed lifetime-income rider built into the contract.

AM Best

A+ Superior

Surrender period

10 years

Free withdrawal

10%/yr

Availability

50 jurisdictions (excl. New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

7.5% cap rate

S&P 500

S&P 500 Index

9.25% cap rate

S&P 500

S&P 500 Index

2.3% cap rate

Fixed Account

Fixed Account

4% declared rate

+ 6 volatility-controlled index options (J.P. Morgan, GS Momentum...)

Product analyst notes

How to think about this contract

Why it can stand out

  • Carrier financial-strength is rated by two independent agencies (A.M. Best and S&P), so the strength view is not a single-source read.
  • Three crediting designs are offered on the S&P 500 alone — annual point-to-point cap, monthly-average cap, and monthly-sum cap — so a buyer who wants S&P exposure can pick the mechanic that best fits their view of the index, rather than being locked into a single style.
  • Participation-rate strategies on the J.P. Morgan Strategic Balanced Index and the GS Momentum Builder Multi-Asset Class are offered on three term ladders (1-year, 2-year, and 3-year point-to-point), letting a buyer trade annual reset flexibility for materially higher participation by committing to a multi-year crediting term.
  • Free-withdrawal allowance and the full ten-year surrender ladder are visible on this page, so the schedule of penalty-free liquidity is not gated behind a sales brochure.

What to confirm

  • This contract is not a guaranteed-lifetime-withdrawal product. There is no GLWB income rider attached — the live feed shows an empty income-rider list — and the only contract-level enhancements are two surrender-charge waivers (nursing home, terminal illness). Do not compare its payout side-by-side with a rider-led income FIA.
  • The ten-year surrender term is at the long end of the FIA market, opening with a high first-year surrender charge that does not drop into the low single digits until late in the schedule. Buyers who do not need a full ten-year deferral should compare a shorter-surrender FIA before locking in.
  • There is no premium bonus and no death-benefit roll-up on this contract — the death benefit is the standard contract value, with no guaranteed legacy bump. Buyers prioritizing a legacy step-up should evaluate that separately.
  • The contract's guaranteed-minimum cap floor on this filing is very low, so caps and participation rates can reset down toward that floor over the ten-year surrender term and the buyer carries that renewal risk for the full term. The J.P. Morgan Strategic Balanced and GS Momentum Builder strategies are proprietary volatility-controlled indexes — their participation rates are not directly comparable to an uncontrolled S&P 500 cap and should be evaluated on their own historical behavior. New York buyers should note that this filing is not available in NY.

Not ideal for

Buyers who need a contractually guaranteed GLWB-rider withdrawal rate, want a shorter surrender commitment, expect a premium bonus to offset a long surrender term, or want a death-benefit roll-up beyond the standard contract value — none of those are what this contract is built to deliver. Also not available to New York residents on this filing.

All crediting strategies

View rate listings (19 rows)

These are the current crediting strategy listings returned for this product. Use the filters to narrow by index, term, premium band, or rate type.

Par: 145% · 1-yr

GS Momentum Builder Multi-Asset Class

participation

10-yr surrender

Par: 117% · 1-yr

J.P. Morgan Strategic Balanced Index

participation

10-yr surrender

Cap: 9.25% · 1-yr

S&P 500 Index

monthly_avg_cap

10-yr surrender

Cap: 7.5% · 1-yr

S&P 500 Index

cap

10-yr surrender

Fixed: 4% · 1-yr

Fixed Account

fixed

10-yr surrender

Cap: 2.3% · 1-yr

S&P 500 Index

monthly_sum_cap

10-yr surrender

Par: 210% · 2-yr

GS Momentum Builder Multi-Asset Class

participation

10-yr surrender

Par: 167% · 2-yr

J.P. Morgan Strategic Balanced Index

participation

10-yr surrender

Par: 280% · 3-yr

GS Momentum Builder Multi-Asset Class

participation

10-yr surrender

Par: 205% · 3-yr

J.P. Morgan Strategic Balanced Index

participation

10-yr surrender

Par: 145% · 1-yr

GS Momentum Builder Multi-Asset Class

Par: 117% · 1-yr

J.P. Morgan Strategic Balanced Index

Cap: 9.25% · 1-yr

S&P 500 Index

Cap: 7.5% · 1-yr

S&P 500 Index

Fixed: 4% · 1-yr

Fixed Account

Par: 210% · 2-yr

GS Momentum Builder Multi-Asset Class

Par: 167% · 2-yr

J.P. Morgan Strategic Balanced Index

Par: 280% · 3-yr

GS Momentum Builder Multi-Asset Class

Par: 205% · 3-yr

J.P. Morgan Strategic Balanced Index

Income riders

Accumulation-focused — no income rider

This contract is designed for tax-deferred accumulation, not guaranteed lifetime income. No GLWB rider was returned because none is part of the contract design — compare against other accumulation FIAs on cap, participation rate, and surrender terms rather than lifetime income.

Linked review

Marquis® Centennial review notes

Discover Lafayette Life’s Group Marquis Centennial Flexible Premium FIA. A reliable solution for employer-sponsored retirement plans.

3.4/5Read review
Review rating details3.4/5
Financial strength5/5
Return potential3/5
Income and benefits2/5
Free benefits, liquidity, and costs4/5
Transparency and service3/5

CFA take

“Offers a practical mix of flexibility and accumulation potential, tailored for employer-sponsored plans with trustee-directed structure and market-linked growth supported by principal protection. However, the absence of optional riders and individual-level enhancements, along with a relatively basic feature set, may limit its appeal compared to more customizable or participant-focused alternatives.”

Nikhil Bhauwala

Key Features

Free withdrawal

10%/yr

Annual amount that may be available without surrender charges, subject to contract terms.

Surrender waivers

2

Nursing home waiver, Terminal illness waiver

Death benefit

Standard Death Benefit

Beneficiary value depends on contract terms, withdrawals, and rider elections.

Strategy guarantee

Minimum guaranteed cap: 0.10%

Strategy guarantee

Guaranteed minimum interest rate (fixed): 2.50%

Strategy guarantee

Minimum guaranteed participation: 10.00%

Annuitization options

Single and joint

Contract conversion options should be confirmed before purchase.

Fund types

Non-qualified, Qualified

Availability can vary by state and product terms.

Surrender schedule

Yr 1

9%

Yr 2

9%

Yr 3

8%

Yr 4

7%

Yr 5

6%

Yr 6

5%

Yr 7

4%

Yr 8

3%

Yr 9

2%

Yr 10

1%

After

0%

Nursing home waiver, Terminal illness waiver, Surrender waivers

Documents

product guide

LL-2755-marquis-sp-fixed-indexed-product-brochure.pdf

Confidence: highReviewed Apr 6, 2026

Direct link not published — request the document from the carrier.

product guide

LL-2280 Marquis-centennial-indexed-annuity-product-overview-2.pdf

Confidence: highReviewed Apr 6, 2026

Direct link not published — request the document from the carrier.

Carrier Ratings

AM BestA+
S&PAA
S&PAA-

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

Marquis® Centennial currently shows 10 distinct indexed or fixed crediting choices across 19 current rate listings, including S&P 500 Index and Fixed Account, with 6 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, and renewal terms are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 7.5% cap
  • S&P 500 Index: 9.25% cap
  • S&P 500 Index: 2.3% cap

Liquidity terms

Why access rules deserve as much attention as rates

A fixed indexed annuity can preserve more control than an income-only contract, but access is still governed by the surrender schedule, free-withdrawal terms, and waiver language. Those details are where many product comparisons become more meaningful than a simple rate list.

  • 10%/yr free withdrawal
  • 10 surrender years
  • Nursing home waiver
  • Terminal illness waiver

Verification note

Use carrier materials as term evidence, then confirm the current version

Carrier materials such as LL-2755-marquis-sp-fixed-indexed-product-brochure.pdf and LL-2280 Marquis-centennial-indexed-annuity-product-overview-2.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 8, 2026. For the current brochure, rate sheet, or specimen contract, confirm the state-specific version with the carrier or a licensed financial professional.

  • Rates and rider terms can vary by state and issue age
  • Carrier guarantees depend on claims-paying ability
  • Current contract forms should be confirmed before purchase

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