Group Marquis Fixed Indexed Annuities
Group Marquis® Centennial and Group Marquis® Flex Indexed Annuities1 are flexible premium, deferred indexed annuity products issued only to retirement plans. They are unallocated, trustee-directed annuities available for use in new and existing employer-sponsored qualified retirement plans. These plans include money purchase, profit sharing, or defined benefit pension plans.
A key to a successful pension plan is building a portfolio that provides both opportunity for gain and protection against loss due to market decline. As increasing numbers of people approach retirement, they seek confidence in the progress of their retirement wealth building efforts without the uncertainty of being invested in the market. Lafayette Life’s Group Marquis indexed annuities may help you and your employees reach your financial goals.
Benefits of Group Marquis Annuities
Flexibility in the amount and timing of premiums after the initial premium, according to the terms of the contract.
Opportunity for gain with protection from loss due to market decline.
Liquidity for plan benefit payments.
Guaranteed annuity purchase rates for the lifetime income payout options.3 Lump-sum payouts are also available.
Lump-sum payout option in lieu of lifetime income.
Choose an Allocation Path That Best Suits You
Allocate your premium among all these choices. Or among a few. Or to just one. It’s up to you. Going forward, you will have opportunities at specific times to change your choices if your needs change. Marquis Centennial offers the choice to split premium among 10 allocation options2:
S&P 500® Index Point-to-Point
This one-year point-to-point option3 determines and locks in positive interest, if any, annually. It credits an interest rate that factors in the change in value of the S&P 500® Index One-Year Point-to-Point from the start date to the end date of the one-year crediting period.
S&P 500® Index Monthly Average
This one-year monthly average option3 determines and locks in positive interest, if any, annually. It credits an interest rate that factors in the average value of the S&P 500® Index measured monthly over the one-year crediting period compared to the value of the index at the start date of the crediting period.
This monthly cap option4 determines and locks in positive interest, if any, annually. It credits interest that factors in the sum of the percentage change in the S&P 500® Index for each of the 12 one-month periods within the crediting period.
Fixed Interest Option One Year
This option5 credits daily interest at a fixed ratedeclared in advance and guaranteed for an index year. It will never credit less than the 1% guaranteed minimum fixed interest rate.
What You Need to Know About Group Marquis Indexed Annuities
Review our product brochure to get a more in-depth look at Group Marquis Fixed Indexed Annuities. Group Marquis Flex is available in Florida and Texas. Group Marquis Centennial is available in all states except Florida, Texas and New York.
You and Lafayette Life could be a winning combination together. Whether you are ready to become a Financial Representative or would like to learn more about working with Lafayette Life, we are eager to hear from you.
1 Group Marquis Centennial Indexed Annuity contract series LL-12-DAG-1. 2 Group Marquis Flex Deposit Administration Group Annuity Policy contract series DAGA-98-I is only available in states that have not approved Group Marquis Centennial Indexed Annuity. 3 Once a participant elects income payouts, the decision is permanent and irrevocable. Other features, such as the participant's portion of the account value, are no longer available.
The Lafayette Life Insurance Company is a member of Western & Southern Financial Group, Inc. Payment of benefits under the annuity contract is
the obligation of, and is guaranteed by, The Lafayette Life Insurance Company. Guarantees are based on the
claims-paying ability of the insurer. Products are backed by the full financial strength of Lafayette Life.
Earnings and pre-tax payments are subject to income tax at withdrawal. Withdrawals may be subject to charges. Withdrawals from an annuity are subject to ordinary income tax, and, if taken before age 59½, may be subject to a 10% IRS penalty. Neither The Lafayette Life Insurance Company, nor its agents, offer tax advice. For specific tax information, consult your attorney or tax advisor. Interest rates are declared by the insurance company at annual effective rates, taking into account daily compounding of interest. Product and feature availability, as well as benefit provisions, vary by state. See your financial professional for product details and limitations.
The Lafayette Life Insurance Company provides services to pension plans as outlined in a separate Administrative Services Agreement, and issues life insurance and annuity products that may be used as funding options. This material is for informational purposes only. Lafayette Life does not serve as plan administrator or fiduciary, nor does Lafayette Life or its representatives provide ERISA, legal or tax advice. Your personal or legal tax advisors should always be consulted and relied upon for advice.
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