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                  GENWORTH LIFE INSURANCE COMPANY OF NEW YORK
             GUARANTEED MINIMUM WITHDRAWAL BENEFIT FOR LIFE RIDER
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General Features

This rider provides for a guaranteed minimum withdrawal benefit for the life of
the Annuitant(s).

The Purchase Payment Benefit Amount, Roll-Up Value and Maximum Anniversary
Value on the Contract Date are equal to the initial Purchase Payment. The
Benefit Base is used to calculate the guaranteed minimum withdrawal benefit.
The Benefit Base does not impact the Contract Value, Surrender Value, Death
Benefit or Income Payment under the Contract. Gross Withdrawals taken under
this rider reduce the Contract Value by the amount of the Gross Withdrawal.
Under this rider, at the time the Contract is issued or when an Annuitant is
added to the Contract, Annuitant(s) must be age [50] through age [85]. There is
a charge for this rider that is calculated [quarterly] as a percentage of the
Benefit Base and deducted [quarterly] from the Contract Value.

In order to obtain the full benefit described in this rider, your withdrawals
must be limited. You must allocate all Purchase Payments and Contract Value to
the Investment Strategy at all times. You may terminate this rider apart from
the Contract on any Contract anniversary on or after the [7/th/] Contract
anniversary (see When this Rider is Effective on page 7).

The Benefit Base and the Withdrawal Factor are used to determine the Withdrawal
Limit. Purchase Payments applied to your Contract before the [1/st/] Contract
anniversary will adjust your Purchase Payment Benefit Amount and may adjust
your Roll-Up Value. Additional Purchase Payments made on or after the [1/st/]
Contract anniversary will be applied to your Contract Value but will not adjust
the Purchase Payment Benefit Amount and/or Roll-Up Value (see Purchase Payments
and Roll-Up Value on page 4). You may reset your Maximum Anniversary Value to
the Contract Value subject to the terms and requirements described below (see
Maximum Anniversary Value and Reset on page 5).

The Withdrawal Limit is the total amount that you may withdraw in a Benefit
Year without reducing the guaranteed minimum withdrawal benefit provided under
this rider. The Withdrawal Limit equals the Benefit Base multiplied by the
Withdrawal Factor (see Withdrawal Limit on page 3). The Withdrawal Factor is
based on the age of the younger Annuitant. The Withdrawal Factor will be fixed
on the earlier of the Valuation Day of the first withdrawal and the Valuation
Day when the Contract Value is less than or equal to [13/12 multiplied by the
most recently calculated Withdrawal Limit].

If a Gross Withdrawal plus all prior Gross Withdrawals in a Benefit Year is in
excess of the Withdrawal Limit, your Purchase Payment Benefit Amount, Roll-Up
Value and Maximum Anniversary Value are reduced (see Excess Withdrawals on page
5).

The Purchase Payment Benefit Amount is an amount used to calculate the Benefit
Base. The Purchase Payment Benefit Amount will equal your Purchase Payment(s)
applied to your Contract (before the [1/st/] Contract Anniversary).

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The Roll-Up Value is an amount used to calculate the Benefit Base. The Roll-Up
Value may be adjusted based on the daily roll-up factor. The Roll-Up Value will
continue to increase until the date of the first withdrawal or the [10/th/]
anniversary of the Contract Date. The Roll-Up Value will not increase after
this date.

The Maximum Anniversary Value is an amount used to calculate the Benefit Base.
The Maximum Anniversary Value on the Contract Date is equal to the initial
Purchase Payment. On each Contract anniversary, if the Contract Value is
greater than the current Maximum Anniversary Value, the Maximum Anniversary
Value will be increased to the Contract Value. If this day is not a Valuation
Day, this reset will occur on the next Valuation Day. On the Valuation Day we
reset your Maximum Anniversary Value, we will reset the Investment Strategy to
the current Investment Strategy and reset the charges for this rider. The new
charges, which may be higher than your previous charges, will never exceed the
maximum annual charge of 2.50% of the Benefit Base. Resets will occur
automatically unless such automatic resets are or have been terminated.

Prior to the Annuity Commencement Date, at the death of any Annuitant, a Death
Benefit may be payable under this Contract and rider. The amount of any Death
Benefit payable will be the greater of (a) and (b), where:

     (a) is the Death Benefit as calculated under the base Contract; and

     (b) is any amount payable by any other optional death benefit rider, if
         applicable.

The Death Benefit payable will be paid according to the distribution rules
under the Contract. All other Death Provisions under the Contract and any
optional death benefit riders, including distribution rules, apply.

Terms and Procedures

All rider terms will have the same meaning as under the Contract, unless
otherwise stated.

Asset Allocation Model(s) - The Asset Allocation Model(s) shown on the Contract
Data Pages.

Benefit Base - The amount used to calculate the Withdrawal Limit. The Benefit
Base is only used to determine benefits under this rider. The Benefit Base is
not the Contract Value.

Benefit Year - Each one-year period following the Contract Date and each
anniversary of that date.

Designated Subaccounts - The Designated Subaccounts shown on the Contract Data
Pages.

Gross Withdrawal - An amount withdrawn from Contract Value including any
surrender charge, any taxes withheld and any applicable premium taxes.

Investment Strategy - The Asset Allocation Model(s) and/or Designated
Subaccounts for this rider.

Maximum Anniversary Value - An amount used to calculate the Benefit Base.

Purchase Payment Benefit Amount - An amount used to calculate the Benefit Base.

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Roll-Up Value - An amount used to calculate the Benefit Base. The Roll-Up Value
on the Contract Date is equal to the initial Purchase Payment. The Roll-Up
Value is only used to determine benefits under this rider. The Roll-Up Value is
not the Contract Value.

Withdrawal Factor - The percentage shown on the Contract Data Pages used to
establish the Withdrawal Limit.

Withdrawal Limit - The total amount you may withdraw in a Benefit Year without
reducing the guaranteed minimum withdrawal benefit provided under this rider.
The Withdrawal Limit equals the Benefit Base multiplied by the Withdrawal
Factor.

Investment Strategy

You must allocate all Purchase Payments and Contract Value to the Investment
Strategy at all times. The Investment Strategy options available on the
Contract Date are shown on the Contract Data Pages and may include Designated
Subaccounts and/or Asset Allocation Models. The composition of the Investment
Strategy may change from time to time. Any change to the composition of
the Investment Strategy will be communicated to you in writing prior to the
Contract anniversary date. Changes to the Investment Strategy may include the
addition of Asset Allocation Models or Designated Subaccounts, the removal of
one or more Asset Allocation Models or Designated Subaccounts, or the removal
of all Asset Allocation Models or all Designated Subaccounts. Changes to the
Investment Strategy will apply upon reset, as described in the Maximum
Anniversary Value and Reset section below.

On a monthly basis, we will rebalance Contract Value to the Subaccounts in
accordance with the percentages allocated. In addition, on any Valuation Day
after any transaction involving a withdrawal, receipt of a Purchase Payment or
a transfer of Contract Value, we will rebalance Contract Value to the
Subaccounts in accordance with the percentages allocated, unless you instruct
us otherwise. Your allocation instructions must always comply with the
Investment Strategy.

Allocations outside of the Investment Strategy are not allowed.

Reallocations

You may reallocate Contract Value within the Investment Strategy by submitting
a transfer request. We reserve the right to assess a charge for transfers in
accordance with the terms of the Contract to which this rider is attached. The
maximum transfer charge is shown on the Contract Data Pages.

Guaranteed Minimum Withdrawal Benefit

If you limit total Gross Withdrawals in a Benefit Year to an amount no greater
than the Withdrawal Limit, then you will be eligible to receive total Gross
Withdrawals in each Benefit Year equal to the Withdrawal Limit until the last
death of an Annuitant.

Withdrawal Limit

The Withdrawal Limit is calculated on each Valuation Day. The Withdrawal Limit
equals the Benefit Base multiplied by the Withdrawal Factor. The Withdrawal
Factor percentages are shown on the Contract Data Pages.

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The Withdrawal Factor is based on the age of the younger Annuitant. The
Withdrawal Factor will be fixed on the earlier of the Valuation Day of the
first withdrawal and the Valuation Day your Contract Value is less than or
equal to [13/12 multiplied by the most recently calculated Withdrawal Limit].

Benefit Base

The Benefit Base is an amount used to establish the Withdrawal Limit. The
Benefit Base on the Contract Date is equal to the initial Purchase Payment. On
each Valuation Day, the Benefit Base is the greatest of the Purchase Payment
Benefit Amount, the Roll-Up Value and the Maximum Anniversary Value. The
Benefit Base may change as a result of a Purchase Payment, withdrawal, or reset
as described below.

Purchase Payments

Purchase Payments applied to your Contract before the [1/st/] Contract
anniversary will adjust your Purchase Payment Benefit Amount and may adjust
your Roll-Up Value as described in the Roll-Up Value section below. You must
allocate all Purchase Payments and Contract Value to the Investment Strategy at
all times. Additional Purchase Payments made on or after the [1/st/] Contract
anniversary will be applied to your Contract Value but will not adjust the
Purchase Payment Benefit Amount and/or Roll-Up Value.

Purchase Payment Benefit Amount

The Purchase Payment Benefit Amount will equal your Purchase Payment(s) made
before the [1/st/] Contract anniversary.

On any Valuation Day you make a Gross Withdrawal, if that Gross Withdrawal plus
all prior Gross Withdrawals within that Benefit Year is in excess of the
Withdrawal Limit, your Purchase Payments Benefit Amount will be reduced on a
pro-rata basis by the excess amount as described in the Excess Withdrawals
section below.

Roll-Up Value

The Roll-Up Value on the Contract Date is equal to the initial Purchase
Payment. We will increase your Roll-Up Value on each day. On any day before and
including the [1/st/] Contract anniversary, the Roll-Up Value is equal to the
sum of (a) and (b), multiplied by (c), where:

     (a) is the Roll-Up Value on the prior day;

     (b) is any Purchase Payment(s) made on the prior Valuation Day; and

     (c) is the daily roll-up factor shown on the Contract Data Pages.

On any day after the [1/st/] Contract anniversary, the Roll-Up Value is equal
to (a) multiplied by (b), where:

     (a) is the Roll-Up Value on the prior day; and

     (b) is the daily roll-up factor shown on the Contract Data Pages.

The Roll-Up Value will continue to increase until the date of the first
withdrawal or the [10/th/] anniversary of the Contract Date.

On any Valuation Day you make a Gross Withdrawal, if that Gross Withdrawal plus
all prior Gross Withdrawals within that Benefit Year is in excess of the
Withdrawal Limit, your Roll-Up Value will be reduced on a pro-rata basis by the
excess amount as described in the Excess Withdrawals section below. The Roll-Up
Value will not increase after this date.

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Maximum Anniversary Value and Reset

The Maximum Anniversary Value on the Contract Date is equal to the initial
Purchase Payment. On each Contract anniversary, if the Contract Value is
greater than the current Maximum Anniversary Value, the Maximum Anniversary
Value will be increased to the Contract Value. If this day is not a Valuation
Day, this reset will occur on the next Valuation Day.

On any Valuation Day you make a Gross Withdrawal, if that Gross Withdrawal plus
all prior Gross Withdrawals within that Benefit Year is in excess of the
Withdrawal Limit, your Maximum Anniversary Value will be reduced on a pro-rata
basis by the excess amount as described in the Excess Withdrawals section below.

On the Valuation Day we reset your Maximum Anniversary Value, we will reset the
Investment Strategy to the current Investment Strategy and reset the charges
for this rider. The new charges, which may be higher than your previous
charges, will never exceed the maximum annual charge of 2.50% of the Benefit
Base.

Resets will occur automatically unless such automatic resets are or have been
terminated as described below.

Automatic resets will continue until and unless:

     (a) you submit a written request to terminate automatic resets (such
         request must be received at least [15 days] prior to the Contract
         anniversary date);

     (b) the Investment Strategy changes, allocations are affected, and we do
         not receive confirmation of new allocations;

     (c) the Annuity Commencement Date is reached; or

     (d) there is a change in ownership of the Contract.

If automatic resets have terminated, you may later reinstate automatic resets
for any future Contract anniversary by submitting a written request to do so;
provided you are following the Investment Strategy and you have not reached the
Annuity Commencement Date.

Any change to the charges or to the required Investment Strategy for this rider
will be communicated to you in writing prior to the Contract anniversary date.
Upon reset, these changes will apply. The reset provision will end if, on the
Contract anniversary, any Annuitant is older than the maximum reset age as
shown on the Contract Data Pages.

Excess Withdrawals

If a Gross Withdrawal plus all prior Gross Withdrawals within a Benefit Year is
in excess of the Withdrawal Limit, your Purchase Payment Benefit Amount,
Roll-Up Value and Maximum Anniversary Value will be recalculated to reflect a
pro-rata reduction for each dollar that is in excess of your Withdrawal Limit.
Your new Purchase Payment Benefit Amount, Roll-Up Value and Maximum Anniversary
Value after such a withdrawal will be calculated by multiplying each of (a) by
(b), divided by (c), where:

     (a) is the Purchase Payment Benefit Amount, Roll-Up Value and Maximum
         Anniversary Value before the Gross Withdrawal;

     (b) is the Contract Value after the Gross Withdrawal; and

     (c) is the Contract Value before the Gross Withdrawal reduced by any
         remaining Withdrawal Limit.

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For purposes of (c) above, "any remaining Withdrawal Limit" is the Gross
Withdrawal that could have been taken without exceeding the Withdrawal Limit.

If the total Gross Withdrawals in a Benefit Year are less than or equal to the
Withdrawal Limit, we will waive any surrender charge on the Gross Withdrawals.

Required Minimum Distributions

If the required minimum distribution amount, attributable to the Contract
Value, calculated for a calendar year (RMD amount), exceeds the Withdrawal
Limit for the Benefit Year within which the calendar year begins (current
Benefit Year), the excess, if distributed, will not be treated as an excess
withdrawal for the current Benefit Year. If the RMD amount is not distributed
in the current Benefit Year, the lesser of amount (a) or (b), if distributed,
will not be treated as an excess withdrawal for the subsequent Benefit Year,
where:

     (a) is the difference between the RMD amount and the sum of withdrawals
         made during the current Benefit Year; and

     (b) is the difference between the RMD amount and the Withdrawal Limit for
         the current Benefit Year.

As used in this provision, the RMD amount shall not exceed the RMD amount
calculated under the Internal Revenue Code [of 1986] and regulations issued
thereunder, as in effect on the Contract Date.

The RMD amount for a Joint Annuitant for years after the year of death of the
Annuitant shall be determined under the life expectancy method as provided in
the Internal Revenue Code [of 1986] and regulations issued thereunder, as in
effect on the Contract Date.

Reduction in Contract Value

After taking a withdrawal, your Contract Value may be less than the amount
required to keep your Contract in effect. In this event, or if your Contract
Value is less than or equal to [13/12 multiplied by the most recently
calculated Withdrawal Limit], the following will occur:

   .   If the Withdrawal Limit is less than [$100], we will pay you the greater
       of the following:

         (a) the Contract Value; and

         (b) a lump sum equal to the present value of future lifetime payments
             in the amount of the Withdrawal Limit calculated using the 2000
             Annuity Mortality Table and an interest rate of [3%].

   .   If the Withdrawal Limit is greater than or equal to [$100], we will
       begin Income Payments. We will make payments of a fixed amount for the
       life of the Annuitant or, if there are Joint Annuitants, the last
       surviving Annuitant. The fixed amount payable annually will equal the
       most recently calculated Withdrawal Limit. We will make payments monthly
       unless agreed otherwise. If the monthly amount is less than [$100], we
       will reduce the frequency, to no less frequently than annually, so that
       the payment will be at least [$100].

       For purposes of this provision, the first annuity year is the period of
       time between the date we begin Income Payments and the next Contract
       anniversary. Subsequent annuity years are the one-year periods beginning
       on each Contract anniversary. Income Payments in the first annuity year
       are adjusted for withdrawals taken since the last

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       Contract anniversary. The total of all Income Payments made in the first
       annuity year will equal the greater of zero and (a) minus (b), where:

         (a) is the most recently calculated Withdrawal Limit; and

         (b) is any withdrawal(s) made since the last Contract anniversary.

Death Provisions

At the death of any Annuitant, a Death Benefit may be payable under the
Contract. The Death Benefit, if any, will be paid according to the distribution
rules under the Contract. All other death provisions under the Contract and any
optional death benefit riders, including distribution rules, apply.

If the designated beneficiary is a surviving spouse who is an Annuitant and who
elects to continue the Contract as the Owner, this rider will continue. The
Purchase Payment Benefit Amount, Roll-Up Value and Maximum Anniversary Value
will be the same as it was under the Contract for the deceased Owner. If no
withdrawals were taken prior to the first Valuation Day we receive due proof of
death and all required forms at our [Service Center], the Withdrawal Factor for
the surviving spouse will be established based on the age of the surviving
spouse on the date of the first Gross Withdrawal for the surviving spouse.
Otherwise, the Withdrawal Factor will continue as it was under the Contract for
the deceased Owner.

If the designated beneficiary is not an Annuitant this rider will not continue.
The rider and the rider charge will terminate.

Rider Charge

A charge will be assessed for the guaranteed minimum withdrawal benefit. The
charge for the guaranteed minimum withdrawal benefit is calculated [quarterly]
as a percentage of the Benefit Base and deducted [quarterly] from the Contract
Value. The charge is shown on the Contract Data Pages. We may apply a different
charge for the rider for a Contract that is a single Annuitant contract and a
Contract that is a Joint Annuitant contract. Once a Contract is a Joint
Annuitant contract and the Joint Annuitant rider charge is applied, the Joint
Annuitant rider charge will continue while the rider is in effect. If a spouse
is added as Joint Annuitant after the Contract is issued, a new charge may
apply. This new charge may be higher than the charge previously applied to your
Contract. The charge for this rider will never exceed the maximum charge of
2.50%. On the day the rider and/or the Contract terminates, the charge for this
rider will be calculated, prorata, and deducted.

When this Rider is Effective

The rider becomes effective on the Contract Date. It will remain in effect
while this Contract is in force and before the Annuity Commencement Date. You
may terminate this rider apart from the Contract on any Contract anniversary on
or after the [7/th/] Contract anniversary. Otherwise this rider and the
corresponding charges will terminate on the Annuity Commencement Date.

Change of Ownership

You may assign the benefits provided under this rider. The Annuitant(s) will
not change if you assign benefits. We must be notified in writing if you assign
the benefits of this rider.

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Issue Age

This rider is only available if all Annuitants are no younger than age [50] and
no older than age [85] on the Contract Date.

General Provisions

For purposes of this rider:

   .   A non-natural entity Owner must name an Annuitant and may name the
       Annuitant's spouse as a Joint Annuitant.

   .   An individual (natural person) Owner must also be an Annuitant and may
       name his/her spouse as Joint Annuitant at issue.

   .   A Joint Owner must be the Owner's spouse.

   .   If you marry after issue, you may add your spouse as a Joint Owner and
       Joint Annuitant or as a Joint Annuitant only, subject to our approval.

For Genworth Life Insurance Company of New York,

                                                  /s/ David J. Sloane
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                                                  [David J. Sloane]
                                                  President

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