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Preparing for a Secure Retirement With Marquis Centennial Deferred Fixed Indexed Annuity

As you develop your retirement strategy, it’s important to determine how you will protect and grow your assets, as well as ensure sufficient retirement income. Marquis® Centennial Indexed Annuity may be right for you if you are looking for a product that offers tax-deferred growth, no loss of principal due to market losses, access to lifetime income, access to your funds1 and beneficiary protection.

A Marquis Centennial Indexed Annuity2 is a deferred, fixed indexed annuity offered by The Lafayette Life Insurance Company. It provides safety of principal and has the potential to earn interest based, in part, on the positive movement of the S&P 500® Index3 and a fixed account that provides a guaranteed interest rate.

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The Power of Tax Deferral

Because an annuity is tax-deferred, your money grows faster because you don’t pay taxes on the interest earned until you take a withdrawal or distribution. Over long periods, tax deferral can make a significant difference in preparing for retirement. (Tax deferral provides no added advantage to an annuity purchased through a qualified plan or IRA.)
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No Loss of Principal Due to Market Losses

With the Marquis Centennial, you are not invested in the market and therefore will never lose your principal because of market performance. In addition, you are guaranteed a value of no less than the guaranteed minimum surrender value stated in your contract, minus any previous withdrawals.
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Flexible Premium Options

The Marquis Centennial allows you to pay premiums at any time, according to the terms and conditions of your contract. With each premium payment you may choose between a fixed interest rate and/or index interest rate alternatives linked in part to changes in the S&P 500®.
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Guaranteed Income

One of the most valuable options of any annuity is its ability to provide you a guaranteed income. This income may be paid to you for a fixed period, over your lifetime, or the joint lifetimes of you and your spouse. Exercising one of the annuity payout options in the Marquis Centennial contract can provide you with a guaranteed income that you cannot outlive.
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Access to Your Funds

Annuities are designed for long-term accumulation and not for short-term liquidity; however, limited access is available in the early years of the policy while withdrawal charges are in effect. All or some of each withdrawal is subject to income taxes, and if withdrawals are taken before age 59 ½, they may be subject to a penalty tax. Please consult your tax advisor regarding your specific situation.
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Beneficiary Protection

In the event of your death prior to the maturity of the annuity, the Marquis Centennial will pay a death benefit equal to the policy value on the date of death. This benefit may pass free of probate to your named beneficiary.
Marquis Centennial  Flexible Premium Deferred Indexed  Annuity Brochure

What You Need to Know About Marquis Centennial Fixed Indexed Annuity

Read through our product brochure to get all the details about Marquis Centennial Fixed Indexed Annuity. 

Marquis Centennial Fixed Indexed Annuity Product Guide (PDF)

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Let’s Team Up for Success

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 partnering with Lafayette Life, we are eager to hear from you. 
IMPORTANT DISCLOSURES

Withdrawals may be subject to charges. Withdrawals of taxable amounts will be subject to ordinary income tax and, before age 59 ½, generally will be subject to a 10 percent IRS penalty tax.
Flexible Premium Deferred Fixed Annuity Contract with Index-Linked Interest Options series ICC17 LL-06-FPIA 1701 and Single Index Monthly Average Index Crediting Method Endorsement ICC17 LLE-04 SI-MA 1701, ICC17 LLE-04 SI-MA-(A-E) 1701, Single Index Monthly Cap Index Crediting Method Endorsement ICC17 LLE-05 SI-MC 1701, ICC17 LLE-05 SI-MC-(A-E) 1701, Single Index Point-to-Point Index Crediting Method Endorsement ICC17 LLE-06 SI-PTP 1701, ICC17 LLE-06 SI- PTP-(A-E) 1701, issued by The Lafayette Life Insurance Company.
The S&P 500® Index is a product of S&P Dow Jones Indices LLC, a division of S&P Global, or its affiliates (“SPDJI”) and has been licensed for use by The Lafayette Life Insurance Company. Standard & Poor's®, S&P®, and S&P 500® are registered trademarks of Standard & Poor's Financial Services LLC, a division of S&P Global (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by The Lafayette Life Insurance Company. It is not possible to invest directly in an index. The Lafayette Life Insurance Company's Marquis Centennial is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, or any of their respective affiliates (collectively, “S&P Dow Jones Indices”).  S&P Dow Jones Indices does not make any representation or warranty, express or implied, to the owners of The Lafayette Life Insurance Company's Marquis Centennial or any member of the public regarding the advisability of investing in securities generally or in The Lafayette Life Insurance Company's Marquis Centennial particularly or the ability of the S&P 500® Index to track general market performance.  Past performance of an index is not an indication or guarantee of future results. S&P Dow Jones Indices only relationship to The Lafayette Life Insurance Company with respect to the S&P 500® Index is the licensing of the Index and certain trademarks, service marks and/or trade names of S&P Dow Jones Indices and/or its licensors. The S&P 500® Index is determined, composed and calculated by S&P Dow Jones Indices without regard to The Lafayette Life Insurance Company or The Lafayette Life Insurance Company's Marquis Centennial.  S&P Dow Jones Indices has no obligation to take the needs of The Lafayette Life Insurance Company or the owners of The Lafayette Life Insurance Company's Marquis Centennial into consideration in determining, composing or calculating the S&P 500® Index.  S&P Dow Jones Indices is not responsible for and have not participated in the determination of the prices, and amount of The Lafayette Life Insurance Company's Marquis Centennial  or the timing of the issuance or sale of The Lafayette Life Insurance Company's Marquis Centennial or in the determination or calculation of the equation by which The Lafayette Life Insurance Company's Marquis Centennial is to be converted into cash, surrendered or redeemed, as the case may be.  S&P Dow Jones Indices has no obligation or liability in connection with the administration, marketing or trading of The Lafayette Life Insurance Company's Marquis Centennial. There is no assurance that investment products based on the S&P 500® Index will accurately track index performance or provide positive investment returns.  S&P Dow Jones Indices LLC is not an investment or tax advisor. A tax advisor should be consulted to evaluate the impact of any tax-exempt securities on portfolios and the tax consequences of making any particular investment decision. Inclusion of a security within an index is not a recommendation by S&P Dow Jones Indices to buy, sell, or hold such security, nor is it considered to be investment advice. 
NEITHER S&P DOW JONES INDICES NOR THIRD PARTY LICENSOR GUARANTEES THE ADEQUACY, ACCURACY, TIMELINESS AND/OR THE COMPLETENESS OF THE S&P 500® INDEX OR ANY DATA RELATED THERETO OR ANY COMMUNICATION, INCLUDING BUT NOT LIMITED TO, ORAL OR WRITTEN COMMUNICATION (INCLUDING ELECTRONIC COMMUNICATIONS) WITH RESPECT THERETO.  S&P DOW JONES INDICES SHALL NOT BE SUBJECT TO ANY DAMAGES OR LIABILITY FOR ANY ERRORS, OMISSIONS, OR DELAYS THEREIN.  S&P DOW JONES INDICES MAKES NO EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY DISCLAIMS ALL WARRANTIES, OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE OR AS TO RESULTS TO BE OBTAINED BY THE LAFAYETTE LIFE INSURANCE COMPANY, OWNERS OF THE LAFAYETTE LIFE INSURANCE COMPANY'S MARQUIS CENTENNIAL, OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE S&P 500® INDEX OR WITH RESPECT TO ANY DATA RELATED THERETO.  WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT WHATSOEVER SHALL S&P DOW JONES INDICES BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES INCLUDING BUT NOT LIMITED TO, LOSS OF PROFITS, TRADING LOSSES, LOST TIME OR GOODWILL, EVEN IF THEY HAVE BEEN ADVISED OF THE POSSIBLITY OF SUCH DAMAGES, WHETHER IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE.  THERE ARE NO THIRD PARTY BENEFICIARIES OF ANY AGREEMENTS OR ARRANGEMENTS BETWEEN S&P DOW JONES INDICES AND THE LAFAYETTE LIFE INSURANCE COMPANY, OTHER THAN THE LICENSORS OF S&P DOW JONES INDICES.

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. Marquis Centennial is not a security. It does not participate in the stock market or any index. It is an insurance contract designed to help address long-term retirement income needs.

Earnings and pre-tax payments are subject to ordinary income tax at withdrawal. Withdrawals may be subject to charges. Withdrawals of taxable amounts from an annuity are subject to ordinary income tax, and, if taken before age 59½, may be subject to a 10% IRS penalty. Neither Lafayette Life, 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.

Annuity products are not bank products, are not a deposit, are not insured by the FDIC, nor any other federal entity, have no bank guarantee, and may lose value.

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