<PAGE>

                  GENWORTH LIFE AND ANNUITY INSURANCE COMPANY

             GUARANTEED MINIMUM WITHDRAWAL BENEFIT FOR LIFE RIDER
--------------------------------------------------------------------------------

This rider is added to the Contract. It provides for a guaranteed minimum
withdrawal benefit for the life of the Annuitant(s) as described below. 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 [5/th/] Contract
anniversary.

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

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.

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Gross Withdrawal - An amount withdrawn from Contract Value including any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.

Roll-Up Value - An amount used to calculate the Benefit Base.

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.

Investment Strategy

You must allocate all Purchase Payments and Contract Value to the Investment
Strategy at all times. The Investment Strategy options are shown on the
Contract Data Pages and may include Designated Subaccounts and/or Asset
Allocation Models.

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

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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.

The Guarantee Account, if any, under the Contract will not be available as an
Investment Option under this rider for as long as this rider is in effect.

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.

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 reduced to
[$100].

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
-----------------
Any Purchase Payment applied to your Contract 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.

We reserve the right to not adjust the Purchase Payment Benefit Amount and/or
the Roll-Up Value for any additional Purchase Payments.

Purchase Payment Benefit Amount
-------------------------------
The Purchase Payment Benefit Amount will equal your Purchase Payment(s) unless
adjusted as described in this provision.

If no withdrawals are taken prior to the later of the [10/th/] anniversary of
the Contract Date and the date the older Annuitant turns age [65], your
Purchase Payment Benefit Amount will equal the sum of (a) plus (b), where:
   (a) is [200%] of Purchase Payments made in the [first Contract year]; and
   (b) Purchase Payments received after the [first Contract year].

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

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Payments Benefit Amount will be reduced on a pro-rata basis by the excess
amount as described in the 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. The new 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 each Contract anniversary, if the Maximum Anniversary Value is greater than
the current Roll-Up Value, the Roll-Up Value will be increased to the Maximum
Anniversary Value. If this day is not a Valuation Day, this adjustment will
occur on the next Valuation Day. The Roll-Up Value will continue to increase
until the date of the first withdrawal or the later of the [10/th/] anniversary
of the Contract Date and the date the older Annuitant turns age [65]. The
Roll-Up Value will not increase after this 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 Withdrawals section below. The Roll-Up Value
will not increase after this date.

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 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 rider charge as shown on the Contract
Data Pages.

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.

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<PAGE>

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.

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, Principal Protection Death Benefit,
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, Principal Protection Death
       Benefit, 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.

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
-------------------------------
The Withdrawal Limit will be increased for any Benefit Year to the extent
necessary to meet any minimum distribution requirements (before death) under
federal tax law. This increase applies only to the required minimum
distribution based on the value of the Contract.

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 [$100], 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 [$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 so
     that the payment will be at least [$100].

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<PAGE>

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.

If the designated beneficiary is a surviving spouse who is not an Annuitant,
whose age is [45] through [85], and who elects to continue the Contract as the
new Owner, this rider will continue. The Purchase Payment Benefit Amount,
Roll-Up Value and Maximum Anniversary Value for the new Owner will be the Death
Benefit determined as of the first Valuation Day we receive at our [Home
Office] due proof of death and all required forms. The Withdrawal Factor for
the new Owner will be based on the age of that Owner on the date of the first
Gross Withdrawal for that Owner.

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 [Home Office], 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 surviving spouse cannot continue the rider, 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 charges are shown on the Contract Data Pages. We may apply different
charges 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, new charges may
apply. These new charges may be higher than the charges previously applied to
your Contract. The charges for this rider will never exceed the maximum charge
as shown on the Contract Data Pages. On the day the rider and/or the Contract
terminates, the charges 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 [5/th/] Contract anniversary. Otherwise this rider and the
corresponding charges will terminate on the Annuity Commencement Date.

Change of Ownership

We must approve any assignment or sale of this Contract unless under a court
ordered assignment.

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<PAGE>

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 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 and Annuity Insurance Company,

                             /s/ Pamela S. Schutz

                               Pamela S. Schutz
                                   President

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                                      6

<PAGE>

                  GENWORTH LIFE AND ANNUITY INSURANCE COMPANY

             GUARANTEED MINIMUM WITHDRAWAL BENEFIT FOR LIFE RIDER
--------------------------------------------------------------------------------

This rider is added to the Contract. It provides for a guaranteed minimum
withdrawal benefit for the life of the Annuitant(s) as described below. 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 [5/th/] Contract
anniversary.

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

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.

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.

Principal Protection Death Benefit - The death benefit provided under this
rider for an additional charge.

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

Roll-Up Value - An amount used to calculate the Benefit Base.

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.

Investment Strategy

You must allocate all Purchase Payments and Contract Value to the Investment
Strategy at all times. The Investment Strategy options are shown on the
Contract Data Pages and may include Designated Subaccounts and/or Asset
Allocation Models.

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<PAGE>

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.

The Guarantee Account, if any, under the Contract will not be available as an
Investment Option under this rider for as long as this rider is in effect.

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.

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 reduced to
[$100].

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
-----------------
Any Purchase Payment applied to your Contract will adjust your Purchase Payment
Benefit Amount and Principal Protection Death Benefit, 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.

We reserve the right to not adjust the Purchase Payment Benefit Amount,
Principal Protection Death Benefit, and/or the Roll-Up Value for any additional
Purchase Payments.

Purchase Payment Benefit Amount
-------------------------------
The Purchase Payment Benefit Amount will equal your Purchase Payment(s) unless
adjusted as described in this provision.

If no withdrawals are taken prior to the later of the [10/th/] anniversary of
the Contract Date and the date the older Annuitant turns age [65], your
Purchase Payment Benefit Amount will equal the sum of (a) plus (b), where:
   (a) is [200%] of Purchase Payments made in the [first Contract year]; and
   (b) Purchase Payments received after the [first Contract year].

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<PAGE>

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 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. The new 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 each Contract anniversary, if the Maximum Anniversary Value is greater than
the current Roll-Up Value, the Roll-Up Value will be increased to the Maximum
Anniversary Value. If this day is not a Valuation Day, this adjustment will
occur on the next Valuation Day. The Roll-Up Value will continue to increase
until the date of the first withdrawal or the later of the [10/th/] anniversary
of the Contract Date and the date the older Annuitant turns age [65]. The
Roll-Up Value will not increase after this 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 Withdrawals section below. The Roll-Up Value
will not increase after this date.

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 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 rider charges as shown on the Contract
Data Pages.

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.

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<PAGE>

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.

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,
Principal Protection Death Benefit, 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, Principal Protection Death Benefit, 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, Principal Protection Death
       Benefit, 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.

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
------------------------------
The Withdrawal Limit will be increased for any Benefit Year to the extent
necessary to meet any minimum distribution requirements (before death) under
federal tax law. This increase applies only to the required minimum
distribution based on the value of the Contract.

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 [$100], the following will occur:
  .  If the Withdrawal Limit is less than [$100], we will pay you the greatest
     of the following:
      (a) the Contract Value;
      (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%]; and
      (c) the Principal Protection Death Benefit.
  .  If the Withdrawal Limit is greater than [$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

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<PAGE>

     frequency so that the payment will be at least [$100]. The Principal
     Protection Death Benefit will continue under this provision. The Principal
     Protection Death Benefit will be reduced by each payment. The Principal
     Protection Death Benefit, if any, will be payable on the last death of an
     Annuitant.

Principal Protection Death Benefit

The Principal Protection Death Benefit is used to determine the death benefit
at the death of last Annuitant, if any, payable under this Contract and rider
as described in the Death Provisions section below.

The Principal Protection Death Benefit on the Contract Date is equal to the
initial Purchase Payment. Purchase Payments in a Benefit Year increase the
Principal Protection Death Benefit.

Gross Withdrawals in a Benefit Year decrease the Principal Protection Death
Benefit. If a Gross Withdrawal plus all prior Gross Withdrawals within that
Benefit Year is less than or equal to the Withdrawal Limit, the Principal
Protection Death Benefit will be reduced by the Gross Withdrawal. If a Gross
Withdrawal plus all prior Gross Withdrawals within that Benefit Year is in
excess of the Withdrawal Limit, your Principal Protection Death Benefit will be
reduced on a pro-rata basis for each dollar that is in excess of your
Withdrawal Limit, as described in the Withdrawal section above.

At the death of the last Annuitant, a Death Benefit may be payable under this
Contract and rider. The amount of any Death Benefit payable will be the
greatest of (a), (b) and (c), where:
   (a) is the Death Benefit as calculated under the base Contract;
   (b) is the Principal Protection Death Benefit; and
   (c) is any amount payable by any other optional death benefit rider, if
       applicable.

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.

If the designated beneficiary is a surviving spouse who is not an Annuitant,
whose age is [45] through [85], and who elects to continue the Contract as the
new Owner, this rider will continue. The Purchase Payment Benefit Amount,
Principal Protection Death Benefit, Roll-Up Value and Maximum Anniversary Value
for the new Owner will be the Death Benefit determined as of the first
Valuation Day we receive at our [Home Office] due proof of death and all
required forms. The Withdrawal Factor for the new Owner will be based on the
age of that Owner on the date of the first Gross Withdrawal for that Owner.

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, Principal Protection Death Benefit, 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
[Home Office], 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.

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<PAGE>

If the surviving spouse cannot continue the rider, the rider and the rider
charges will terminate.

Rider Charge

A charge will be assessed for the guaranteed minimum withdrawal benefit.
Another charge will be assessed for the Principal Protection Death 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 for the Principal Protection Death Benefit is calculated
[quarterly] as a percentage of the value of the Principal Protection Death
Benefit and deducted [quarterly] from the Contract Value. The charges are shown
on the Contract Data Pages. We may apply different charges 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, new charges may apply. These new charges may be
higher than the charges previously applied to your Contract. The charges for
this rider will never exceed the maximum rider charges as shown on the Contract
Data Pages. On the day the rider and/or the Contract terminates, the charges
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 [5/th/] Contract anniversary. Otherwise this rider and the
corresponding charges will terminate on the Annuity Commencement Date.

Change of Ownership

We must approve any assignment or sale of this Contract unless under a court
ordered assignment.

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 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 and Annuity Insurance Company,

                            /s/ Pamela S. Schutz

                            Pamela S. Schutz
                            President

P5409DB 05/08

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