Marquis® Centennial
Lafayette Life
7.25%
Best Cap
10%
Free W/D
50
States
Marquis Centennial is a flexible premium deferred fixed indexed annuity that lets you accumulate retirement savings with tax deferral, principal protection, and the opportunity to earn interest linked to market indexes. It's designed for people seeking growth potential combined with downside protection and the ability to convert savings into guaranteed lifetime income.
Free Withdrawal
10%/yr
Available In
50 states
Min Premium
$1,000
Surrender
10 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| GS Momentum Builder Multi-Asset Class | 2-Year | -- | 190% | -- |
| GS Momentum Builder Multi-Asset Class | 3Y | -- | 250% | -- |
| GS Momentum Builder Multi-Asset Class | Annual | -- | 130% | -- |
| J.P. Morgan Strategic Balanced Index | 2-Year | -- | 152% | -- |
| J.P. Morgan Strategic Balanced Index | 3Y | -- | 185% | -- |
| J.P. Morgan Strategic Balanced Index | Annual | -- | 110% | -- |
| S&P 500 Index | Annual | 7.25% | 100% | -- |
| S&P 500 Index | Monthly | 8% | 100% | -- |
| Fixed Account | Daily | -- | -- | 3.85% |
Key Features
Tax-Deferred Growth
Interest credited to your account is not taxed until you make a withdrawal or take distributions, allowing your savings to compound over time
Principal Protection
0% minimum return guaranteed annuallyYour account value is guaranteed never to decline due to negative changes in the market indexes, and any interest credited cannot be lost to future market declines
Index Crediting Options
Choose from five index-based crediting methods (S&P 500 Point-to-Point, Monthly Average, Monthly Cap, J.P. Morgan Strategic Balanced, or GS Momentum Builder) or a fixed interest option
Guaranteed Lifetime Income
Annuitize your contract to receive scheduled income payments over your lifetime or joint lifetimes, guaranteed for at least 10 years
Flexible Withdrawals
10% annual free withdrawalAccess 10% of your account value annually without penalty after the first year, plus automatic interest withdrawals from the fixed option
Death Benefit
Named beneficiaries receive the greater of the account value or nonforfeiture value at death with no withdrawal charges applied
Flexible Premium Payments
$1,000–$750,000 initial rangeMake premium payments on your schedule with a $1,000 minimum initial premium and up to $100,000 in subsequent annual contributions
Highlights
Grow your money tax-deferred with the potential to earn interest based on market index performance
Principal protection guaranteed—your account value never declines due to market downturns
Create a guaranteed lifetime income stream that you cannot outlive through annuitization
Flexible premium payments allow you to contribute on your schedule
Multiple index options and a fixed interest option let you customize your strategy
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
Best For
People age 18–85 seeking tax-deferred retirement savings with a balance of growth potential and principal protection who can commit to a medium-to-long-term investment strategy.
Consider Alternatives If
Investors who need frequent or immediate access to their full account value, or those seeking direct participation in stock market dividends and gains.
Carrier Ratings
Free Comparison Report
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