Lafayette Life

Financial Ratings

A.M. Best A+Stable

Fitch AAStable

About Lafayette Life

Lafayette Life offers 3 annuity products tracked on our platform. Combines guaranteed principal protection, tax-deferred growth, multiple sophisticated index strategies with no caps (participation rates), and the ability to convert to guaranteed lifetime income—all backed by Lafayette Life's 115+ years of financial stability.

Product Lineup

Marquis&reg Centennial

Fixed Indexed Annuity

Tax-deferred growth with market upside and principal protection

Tax-Deferred Growth

Principal Protection0% minimum return guaranteed annually

Index Crediting Options

Guaranteed Lifetime Income

Best for: People age 18–85 seeking tax-deferred retirement savings with a balance of growt...

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Marquis&reg Centennial

Fixed Indexed Annuity

Fixed Indexed Annuity | Growth + Protection + Lifetime Income

Nine Interest Crediting OptionsFlexible allocation across multiple strategies

Guaranteed Minimum Interest Rate0% floor on all indexed options

Tax-Deferred GrowthSignificant long-term compounding advantage

Free Annual Withdrawals$250 minimum per withdrawal

Best for: Retirees and near-retirees (ages 18–85) seeking tax-deferred growth with market ...

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Marquis&reg SP

Fixed Indexed Annuity

Market-linked growth + lifetime income guarantees

Nine Interest Crediting OptionsFlexibility to match personal risk tolerance

Downside Protection0% minimum guaranteed rate

Free Annual Withdrawals10% annual free withdrawal (minimum $250)

Declining Surrender Charges9% Year 1 declining to 0% by Year 7 or 11

Best for: Retirees and near-retirees age 45-85 with medium-to-large lump sums ($15,000+) w...

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Financial Ratings

Live from CANNEX

Rating Agency

A.M. Best

Rating

A+

Description

Superior

Effective

February 7, 2024

Rating Agency

Fitch

Rating

Description

Very strong

Effective

August 1, 2018

Rating Agency

Standard & Poor's

Rating

AA-

Description

Very strong

Effective

August 1, 2018

Rating Analysis

The Lafayette Life Insurance Company, a subsidiary of Western & Southern Financial Group, holds an A+ (Superior) rating from A.M. Best and AA- ratings from both S&P and Fitch. Founded in 1905 and headquartered in Cincinnati, Ohio, Lafayette Life specializes in fixed and indexed annuities with a focus on competitive guaranteed rates and straightforward product design.