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Fixed Indexed Annuity

Marquis® SP

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 29, 2026, based on the latest AdvisorWorld scan of CANNEX data.

GLWB lifetime withdrawal rate (10-yr deferral, age 60+ single life)

4.5% lifetime payout

A ten-year-surrender fixed indexed annuity from A-rated Lafayette Life (Western & Southern) built around the Marquis SP GLWB lifetime-withdrawal rider, with the same multi-crediting index menu as the carrier's Marquis Centennial accumulation sibling underneath.

0.95% annual rider feeAdvisorWorld + CANNEX data

Best fit

Buyers committing to a ten-year surrender who want lifetime income from a real, optional GLWB rider on joint life, value being able to choose between starting income now and deferring for a higher withdrawal rate, and don't need the rider to be RMD-friendly out of the box.

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

9.5% cap rate

Fixed Account

Fixed Account

4.3% declared rate

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

Lifetime Income Riders

Income rider

Marquis® SP GLWB

Lifetime payout rate4.5% lifetime payout
Annual rider fee0.95% annual rider fee

Product analyst notes

How to think about this contract

Why it can stand out

  • Lifetime income comes via a real optional GLWB rider (the Marquis SP GLWB) available on joint life and from issue ages as young as 45 — useful for a couple planning a deferred income start before the more common 60+ band.
  • The GLWB withdrawal rate steps up materially with deferral: an immediate-income election starts at a lower rate, while deferring ten years before turning on income lifts the rate, giving buyers a clear trade between income now and a higher rate later.
  • Same accumulation engine as the carrier's Marquis Centennial accumulation sibling — three crediting designs on the S&P 500 alone (annual cap, monthly average cap, monthly sum cap) plus 1/2/3-year participation ladders on the J.P. Morgan Strategic Balanced and GS Momentum Builder indexes — so the income base is supported by a flexible underlying growth menu, not just a fixed roll-up.
  • 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.

What to confirm

  • The GLWB rider carries an explicit annual fee, and the live feed shows it offered at two fee tiers, charged against the contract — effective cost can compound over a multi-year deferral, so model the rider through the planned income horizon before committing.
  • The Marquis SP GLWB is flagged not RMD-friendly in the live feed — buyers using this for qualified retirement money should confirm with the carrier how rider income interacts with required minimum distributions before purchase.
  • The ten-year surrender term is at the long end of the FIA market, with a high first-year surrender charge — early exit forfeits a meaningful portion of premium even though the GLWB is the contract's main draw. The income story only pays off if the buyer can hold through the surrender window.
  • There is no premium bonus and no death-benefit roll-up on this contract — the GLWB income base is built solely by the index/fixed-account interest crediting, not by a guaranteed roll-up. Buyers expecting a rider-driven income-base step-up should evaluate that separately. New York buyers should note that this filing is not available in NY.

Not ideal for

Buyers who need short-surrender liquidity, an RMD-friendly income rider, a rider-fee-free income mechanism (a Protected Income Value chassis), a premium bonus that lifts the income base on day one, or a plain accumulation FIA without rider fees — 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 (18 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: 120% · 1-yr

J.P. Morgan Strategic Balanced Index

participation

10-yr surrender

Cap: 9.5% · 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: 4.3% · 1-yr

Fixed Account

fixed

10-yr surrender

Par: 210% · 2-yr

GS Momentum Builder Multi-Asset Class

participation

10-yr surrender

Par: 170% · 2-yr

J.P. Morgan Strategic Balanced Index

participation

10-yr surrender

Par: 285% · 3-yr

GS Momentum Builder Multi-Asset Class

participation

10-yr surrender

Par: 207% · 3-yr

J.P. Morgan Strategic Balanced Index

participation

10-yr surrender

Par: 145% · 1-yr

GS Momentum Builder Multi-Asset Class

Par: 120% · 1-yr

J.P. Morgan Strategic Balanced Index

Cap: 9.5% · 1-yr

S&P 500 Index

Cap: 7.5% · 1-yr

S&P 500 Index

Fixed: 4.3% · 1-yr

Fixed Account

Par: 210% · 2-yr

GS Momentum Builder Multi-Asset Class

Par: 170% · 2-yr

J.P. Morgan Strategic Balanced Index

Par: 285% · 3-yr

GS Momentum Builder Multi-Asset Class

Par: 207% · 3-yr

J.P. Morgan Strategic Balanced Index

Income riders

Income rider

Marquis® SP GLWB

Lifetime withdrawal rate4.5%
Annual rider fee0.95%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age45 — 80
Joint availabilityJoint life

GLWB

Linked review

Marquis® SP review notes

Learn about the Lafayette Life Marquis SP Annuity, a single-premium option offering tax-deferred growth, and lifetime income benefits.

3.8/5Read review
Review rating details3.8/5
Financial strength5/5
Return potential4/5
Income and benefits3/5
Free benefits, liquidity, and costs3/5
Transparency and service4/5

CFA take

“Offers a balanced mix of accumulation potential and lifetime income support, supported by diverse indexing strategies and a GLWB rider that enhances retirement cash flow visibility. However, relatively higher surrender charges may constrain flexibility compared to alternatives in the market.”

Nikhil Bhauwala

Key Features

Free withdrawal

10%/yr

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

Surrender waivers

3

Nursing home waiver, RMD waiver, Terminal illness waiver

Death benefit

Standard Death Benefit

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

Strategy guarantee

Minimum guaranteed cap: 1.00%

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

8.5%

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, RMD waiver, Terminal illness waiver, Surrender waivers

Documents

product guide

The Lafayette Life Insurance Company.pdf

Confidence: highReviewed Apr 15, 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® SP currently shows 9 distinct indexed or fixed crediting choices across 18 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: 9.5% cap
  • Fixed Account: 4.3% fixed

Income rider language

What to look for before treating the rider as income

Marquis® SP GLWB is the main income-rider entry returned for this product. Rider terms can affect the tradeoff between future lifetime withdrawals, contract value, beneficiary value, and cost, so the exact state version and rider election should be confirmed before comparing it to annuitization or income-only contracts.

  • 4.5% withdrawal rate
  • 0.95% rider fee
  • Joint life availability

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
  • RMD waiver
  • Terminal illness waiver

Verification note

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

Carrier materials such as The Lafayette Life Insurance Company.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 24, 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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