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The Marquis Series of Indexed Life and Annuity Products

Our Marquis product line is designed to offer the opportunity to participate in interest crediting based in part on the Standard and Poor’s 500 Composite Stock Index. These policies provide the possibility of a greater interest crediting than fixed-interest crediting, while still offering minimum guaranteed values and a minimum guaranteed interest rate and the benefits associated with traditional insurance products. The S&P 500 Index does not reflect dividends paid by the S&P 500 companies. The annuities are used primarily for long term cash accumulation and retirement income, and the life insurance can provide a substantial death benefit. There are two products in the Marquis product line.

The Marquis Centennial Indexed Annuities - The Marquis Centennial 7 and 10 are indexed annuities. They provide safety by guaranteeing a minimum surrender value. Each offers a company declared fixed interest rate and three index interest crediting alternatives each of which is linked, in part, to the S&P 500®. Regardless of the performance of the S&P 500®, the Marquis Centennial is guaranteed to provide a value no less than the guaranteed minimum surrender value, assuming no withdrawals.

The S&P 500® Index, which does not include dividends paid by the S&P 500® companies, is used only as a measure of performance to help determine any index interest. Your premiums are not invested in any of the equities that comprise the S&P 500®. Your surrender value, assuming you have made no withdrawals, will not be at risk to fall below the guaranteed minimum surrender value. This makes the Marquis Centennial 7 and 10 sound funding vehicles for your long-term retirement income needs. The Marquis Centennial 7 and 10 Indexed Annuities are fixed annuity contracts and do not represent an investment in the stock market. The Marquis Centennial 7 and 10 are offered through Lafayette Life and are not FDIC insured. Lafayette Life stands behind the guarantees under the Marquis Centennial 7 and 10 Indexed Annuities.

"Standard & Poor’s®", "S&P®", "S&P 500®, "Standard & Poor’s 500", and "500" are trademarks of The McGraw-Hill Companies, Inc. and have been licensed for use by The Lafayette Life Insurance Company. This policy is not sponsored, endorsed, sold or promoted by Standard & Poor’s and Standard & Poor’s makes no representation regarding the advisability of purchasing this policy.

**Under current tax law interest accumulations over the period of the annuity contract are tax deferred until withdrawn. This means that the annuity is free from federal income tax during the accumulation phase. Withdrawals from an annuity are subject to income tax and, prior to age 59½, may be subject to a penalty tax. Please consult your tax advisor regarding your specific tax situation.