Exhibit 4(a)(i)

                           FLEXIBLE PREMIUM VARIABLE
                           DEFERRED ANNUITY CONTRACT
--------------------------------------------------------------------------------

To the contractowner:

Please read your Contract  carefully.  This Contract is a legal contract between
you and the Company.  You, the Owner, have benefits and rights described in this
Contract.  The Annuitant is named in the Contract.  We will make Income Payments
beginning on the Annuity  Commencement Date, if the Annuitant is still living on
that date.

THIS CONTRACT'S INCOME PAYMENTS DEPEND ON THE CONTRACT VALUE. CONTRACT VALUE MAY
BE ALLOCATED TO THE SEPARATE  ACCOUNT AND THE  GUARANTEE  ACCOUNT.  THE CONTRACT
VALUE IN THE  SEPARATE  ACCOUNT IS BASED ON THE  INVESTMENT  EXPERIENCE  OF THAT
ACCOUNT,  AND MAY INCREASE OR DECREASE  DAILY. IT IS NOT GUARANTEED AS TO DOLLAR
AMOUNT.  CONTRACT VALUE IN THE GUARANTEE ACCOUNT IS GUARANTEED BY THE COMPANY AS
TO DOLLAR AMOUNT.

RIGHT TO CANCEL.  You may return this Contract to our Home Office within 10 days
(20 days in North  Dakota)  after its delivery  for a refund.  The amount of the
refund will equal the Contract Value with any adjustments required by applicable
law or regulation.


                    For GE Life and Annuity Assurance Company

          /s/ Pamela S. Schutz                         /s/ Donita M. King
          ----------------------                       -------------------
              PAMELA S. SCHUTZ                             DONITA M. KING
              PRESIDENT                                    SECRETARY



          o Flexible Premium Variable Deferred Annuity

          o Income Payments begin at Annuity Commencement Date

          o No Dividends

          o Some benefits reflect investment results


                              GE LIFE AND ANNUITY
                               ASSURANCE COMPANY

                6610 West Broad Street, Richmond, Virginia 23230
                                 1-800-352-9910
                                 A Stock Company

<PAGE>

CONTRACT DATA

SCHEDULE OF BENEFITS                        SCHEDULE OF PURCHASE PAYMENTS
                                                   AMOUNT PAYABLE
ANNUITY                                  [$5,000.00] INITIAL PURCHASE PAYMENT



INITIAL PURCHASE PAYMENT:    [$5,000.00]
MINIMUM ADDITIONAL PURCHASE PAYMENT: [$500.00]
MINIMUM WITHDRAWAL: [$1,000.00 WITH A CONTRACT VALUE AFTER THE WITHDRAWAL
        OF NO LESS THAN $5,000.00]
MINIMUM CONTRACT VALUE ALLOWED TO REMAIN IN AN INVESTMENT OPTION AFTER A
        TRANSFER FROM INVESTMENT OPTION: [$100.00]

CHARGES:
     PREMIUM TAX RATE:                         [0.00%]
     ASSET CHARGE:                             1.50% ANNUALLY (.004141% DAILY)]
     ANNUAL CONTRACT CHARGE:                   [$35.00 WAIVED IF CONTRACT
                                               VALUE EXCEEDS $40,000 AT TIME
                                               THE CHARGE IS DUE.]
     MAXIMUM TRANSFER CHARGE:                  [$10.00]
     MAXIMUM ANNUAL DEATH BENEFIT CHARGE:      [0.25% ANNUALLY (.000686% DAILY)]





            OWNER   [THE ANNUITANT]

        ANNUITANT   [JOHN DOE]    [MALE] [35] AGE [LAST] BIRTHDAY

 CONTRACT NUMBER    [0000000]

   CONTRACT DATE    [APRIL 1, 2000] [APRIL 1, 2055] ANNUITY COMMENCEMENT DATE

            PLAN    FLEXIBLE PREMIUM VARIABLE DEFERRED ANNUITY
<PAGE>


CONTRACT NUMBER [0000000]

SEPARATE ACCOUNT 4

INVESTMENT OPTIONS

SUBACCOUNTS                         ARE INVESTED IN
-----------                         ---------------

                                   [GE ASSET MANAGEMENT
GEI MONEY MARKET                     MONEY MARKET FUND
GEI PREMIER GROWTH EQUITY            PREMIER GROWTH EQUITY FUND
GEI U.S. EQUITY                      U.S. EQUITY FUND
GEI VALUE EQUITY                     VALUE EQUITY FUND
GEI S&P 500 INDEX *                  S&P 500 INDEX FUND

                                   JANUS ASPEN SERIES
JAN AGGRESSIVE GROWTH                AGGRESSIVE GROWTH PORTFOLIO
JAN BALANCED                         BALANCED PORTFOLIO
JAN CAPITAL APPRECIATION             CAPITAL APPRECIATION PORTFOLIO
JAN GLOBAL TECHNOLOGY                GLOBAL TECHNOLOGY PORTFOLIO
JAN GROWTH                           GROWTH PORTFOLIO
JAN GLOBAL LIFE SCIENCES             GLOBAL LIFE SCIENCES PORTFOLIO
JAN WORLDWIDE GROWTH                 WORLDWIDE GROWTH PORTFOLIO
JAN INTERNATIONAL GROWTH             INTERNATIONAL GROWTH PORTFOLIO

                                    FIDELITY VARIABLE INSURANCE PRODUCTS FUND
FID CONTRAFUND                       CONTRAFUND PORTFOLIO
FID EQUITY INCOME                    EQUITY INCOME PORTFOLIO
FID GROWTH & INCOME                  GROWTH & INCOME PORTFOLIO
FID GROWTH                           GROWTH PORTFOLIO
FID MID CAP                          MID CAP PORTFOLIO

                                    AIM VARIABLE INSURANCE FUNDS, INC.
AIM CAPITAL APPRECIATION             CAPITAL APPRECIATION FUND
AIM GROWTH                           GROWTH FUND
AIM VALUE                            VALUE FUND

                                    PIMCO VARIABLE INSURANCE TRUST
PIM FOREIGN BOND                     FOREIGN BOND PORTFOLIO
PIM LONG TERM
        U.S. GOVERNMENT BOND         LONG-TERM US GOVERNMENT BOND PORTFOLIO
PIM HIGH YIELD BOND                  HIGH YIELD BOND PORTFOLIO
PIM TOTAL RETURN BOND                TOTAL RETURN BOND PORTFOLIO


                                    CONTINUED
<PAGE>

SUBACCOUNTS                               ARE INVESTED IN
-----------                               ---------------
                                         ALLIANCE VARIABLE PRODUCTS SERIES FUND
AVP GROWTH & INCOME                       GROWTH & INCOME PORTFOLIO
AVP PREMIER GROWTH                        PREMIER GROWTH PORTFOLIO
AVP QUASAR                                QUASAR PORTFOLIO

                                         OPPENHEIMER VARIABLE ACCOUNT FUNDS
OPP GLOBAL SECURITIES/VA                  GLOBAL SECURITIES FUND/VA
OPP MAIN STREET GROWTH &
        INCOME/VA                         MAIN STREET GROWTH & INCOME FUND/VA

                                         DREYFUS
DRF SOCIALLY RESPONSIBLE
        GROWTH                            SOCIALLY RESPONSIBLE GROWTH FUND

                                         RYDEX VARIABLE TRUST
RYD OTC **                                OTC FUND]

GUARANTEE ACCOUNT
-----------------

MINIMUM GUARANTEED INTEREST RATE [3%]

YOU MAY ALLOCATE YOUR CONTRACT VALUE TO AS MANY AS [TEN] SUBACCOUNTS IN ADDITION
TO THE GUARANTEE ACCOUNT. YOUR ALLOCATIONS MUST BE IN PERCENTAGES TOTALING 100%.
EACH ALLOCATION PERCENTAGE MUST BE A WHOLE NUMBER AND AT LEAST 1%.

CONSULT YOUR PROSPECTUS FOR INVESTMENT DETAILS.

* "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
GE ASSET  MANAGEMENT  INCORPORATED.  THE S&P 500  INDEX  FUND IS NOT  SPONSORED,
ENDORSED,  SOLD OR PROMOTED BY STANDARD & POOR'S AND  STANDARD & POOR'S MAKES NO
REPRESENTATION REGARDING THE ADVISABILITY OF INVESTING IN THE FUND.

** THE NASDAQ 100 INDEX[TM] IS AN UNMANAGED INDEX  THAT IS  A WIDELY  RECOGNIZED
INDICATOR OF OTC MARKET PERFORMANCE.


                                                       EFFECTIVE [04/01/00}

<PAGE>

 CONTRACT NUMBER [0000000]

                           TABLE OF SURRENDER CHARGES

        COMPLETE YEARS                 SURRENDER CHARGE
SINCE PURCHASE PAYMENT MADE               PERCENTAGE

         LESS THAN 1                         [6]
             1                               [6]
             2                               [6]
             3                               [6]
             4                               [5]
             5                               [4]
        6 OR MORE                            [O]

<PAGE>

                                TABLE OF CONTENTS
      ------------------------------------------------------------------

      Contract Data .................................................  3
      Definitions ...................................................  4
      Introduction ..................................................  5
      Owner, Annuitant and Beneficiary Provisions....................  6
      Death Provisions...............................................  7
      Purchase Payments..............................................  9
      Monthly Income Benefit.........................................  9
      Guarantee Account.............................................. 10
      Separate Account............................................... 11
      Transfers ..................................................... 13
      Contract Value Benefits........................................ 14
      General Information............................................ 16
      Optional Payment Plans......................................... 17
      Copies of any application, riders and endorsements follow page 21.


                                  DEFINITIONS
--------------------------------------------------------------------------------

ACCUMULATION  UNIT - Unit of measure used in  calculating  the Contract Value in
the Separate Account prior to the Annuity Commencement Date.

ANNUITANT / JOINT  ANNUITANT - The  person(s)  named on the contract  data pages
whose age and, where  appropriate,  gender are used in determining the amount of
the monthly income benefits.

ANNUITY  COMMENCEMENT DATE - The date stated on the contract data pages,  unless
changed after issue, on which Income Payments are scheduled to commence,  if the
Annuitant(s) is living on that date.

ANNUITY  COMMENCEMENT  VALUE  - The  Surrender  Value  on  the  day  immediately
preceding the Annuity Commencement Date.

ANNUITY UNIT- Unit of measure used in  determining  the amount of the second and
each subsequent Variable Income Payment.

ASSUMED  INTEREST RATE - Interest rate used in calculating  the Variable  Income
Payment amounts.

THE COMPANY - GE Life and Annuity Assurance Company.  "We", "us" or "our" refers
to the Company.

CONTRACT  - This  contract  with any  attached  application  and any  riders and
endorsements.

CONTRACT DATE - Date the Contract is issued and becomes effective.  The Contract
Date is shown on the contract data pages and is used to determine contract years
and anniversaries.

CONTRACT VALUE - The sum of the values allocated to each Investment Option.

DEATH  BENEFIT - The  benefit  provided  under the  Contract on the death of any
Annuitant prior to the Annuity Commencement Date.

DESIGNATED  BENEFICIARY - The person or entity designated in the Contract who on
the date of any Annuitant's  death will be treated  thereafter as the sole Owner
of the Contract.

FIXED  INCOME  PAYMENTS - Income  Payments  that are  supported  by the  General
Account and which do not vary in amount based on the  investment  experience  of
the Separate Account.

FUND - Any open-end  management  investment  company or unit investment trust in
which a Subaccount invests.

GENERAL  ACCOUNT - Assets of the  Company  other  than  those  allocated  to the
Separate Account or any other separate account of the Company.


                                       4

<PAGE>

                                       5

GUARANTEE  ACCOUNT - Amounts  allocated  under this  Contract  to be held in our
General Account.

HOME  OFFICE - The  Company's  offices  at 6610  West  Broad  Street,  Richmond,
Virginia 23230.

INCOME  PAYMENT - One of a series of  payments  made under  either  the  monthly
income benefit or one of the Optional Payment Plans.

INVESTMENT   OPTIONS  -  The   Guarantee   Account  and  the  Separate   Account
Subaccount(s) shown on the contract data pages.

OPTIONAL  PAYMENT PLAN - A plan whereby any part of a Death  Benefit,  Surrender
Value or  Annuity  Commencement  Value  can be left  with us to  provide  Income
Payments to a Payee.

OWNER / JOINT  OWNERS - The  person(s)  or entity  entitled  to  receive  Income
Payments after the Annuity Commencement Date. The Owner or Joint Owners are also
entitled to the ownership  rights stated in the Contract  during the lifetime of
the  Annuitant(s)  and  are  shown  on  the  contract  data  pages  and  in  any
application. "You" or "your" refers to the Owner or Joint Owners.

PAYEE - Person or entity who receives Income Payments under an Optional  Payment
Plan.

PURCHASE  PAYMENT  - A payment  received  by the  Company  and  applied  to this
Contract.  When  used in  connection  with  this  Contract,  the term  "Purchase
Payment" means the same as the term "premium payment".

SEPARATE  ACCOUNT - The  segregated  asset  account of the Company  shown on the
contract data pages.

SUBACCOUNT  - A  Subaccount  of the  Separate  Account,  the assets of which are
invested exclusively in a corresponding Fund.

SURRENDER VALUE - The Contract Value on the date we receive your written request
for  surrender  in our Home  Office  less  any  premium  tax and any  applicable
charges.  These charges include surrender charge, annual contract charge and any
optional benefit charge.

VALUATION  DAY - For  each  Subaccount,  each day on  which  the New York  Stock
Exchange  is open for  regular  trading  except  for days that the  Subaccount's
corresponding Fund does not value its shares.

VALUATION PERIOD - Period that starts at the close of regular trading on the New
York  Stock  Exchange  on any  Valuation  Day and ends at the  close of  regular
trading on the next succeeding Valuation Day.

VARIABLE  INCOME  PAYMENTS - Income Payments that vary in amount from one Income
Payment  to  the  next  based  on the  investment  experience  of  one  or  more
Subaccounts.


                                  INTRODUCTION
--------------------------------------------------------------------------------

This is a flexible  premium  variable  deferred  annuity  contract.  The initial
Purchase Payment is due on the Contract Date.  Additional  Purchase Payments may
be paid at any time before the Annuity  Commencement  Date.  In return for these
Purchase Payments and any application, we provide certain benefits.

The Contract  provides a monthly  income  beginning on the Annuity  Commencement
Date. The amount of monthly income will depend on:

       o  the Annuity Commencement Value;

       o  the amount of any premium tax;

       o  the  Annuitant(s)'s gender,  where appropriate, and  settlement age on
          the Annuity Commencement Date; and

       o  the payment plan chosen.

See  Optional  Payment  Plans  section  for  the  payout  plans  available.  See
conditions  described  in the Death  Provisions  section for  details  regarding
payment  or the  continuation  of the  Contract  at the  death  of any  Owner or
Annuitant prior to the Annuity Commencement Date.

<PAGE>

The Contract and Its Parts

This Contract is a legal contract. It is the entire contract between you and us.
An agent cannot  change this  Contract.  Any change to it must be in writing and
approved by us. Only an  authorized  officer  can give our  approval.  READ THIS
CONTRACT CAREFULLY.

All  statements  in any  application  are  considered  representations  and  not
warranties.

We reserve the right to amend this  Contract as needed to maintain its status as
an annuity under the Internal Revenue Code. If the Contract is amended,  we will
send you a copy of the amendment complying with the requirements  imposed by the
Internal  Revenue  Service  ("IRS").  This Contract is intended to constitute an
annuity within the meaning of the Internal  Revenue Code. Its provisions  should
be interpreted consistently with this intent.


                  OWNER, ANNUITANT AND BENEFICIARY PROVISIONS
--------------------------------------------------------------------------------

The Owner

You have rights while this Contract is in force. These rights are subject to the
rights of any irrevocable beneficiary and any assignee under an assignment filed
with us.

You may name only your spouse as a Joint  Owner.  Joint  Owners own the Contract
equally with the right of  survivorship.  Right of survivorship  means that if a
Joint Owner dies, his or her interest in the Contract will pass to the surviving
Joint Owner.  Disposition of the Contract on death of an Owner is subject to the
Death Provisions.

The Annuitant

The Contract names you or someone  else as the  Annuitant.  You may name a Joint
Annuitant.

The Beneficiary

The  primary  beneficiary  and any  contingent  beneficiary  can be named in any
application  for this  Contract  or by  sending  a written  request  to our Home
Office.

Changing the Owner or Beneficiary

During the Annuitant(s)'s life, you can change the Owner(s) and  any beneficiary
if you reserved this right. A person named  irrevocably may be changed only with
that person's written consent.  To make a change,  send a written request to our
Home Office.  The request and the change must be in a form  satisfactory  to us.
The change will take effect as of the date you sign the request. The change will
be  subject  to any  transaction  we make  before  we  record  the  change.  The
Annuitant(s) cannot be changed.

Using the Contract as Collateral for a Loan

This  Contract may be assigned as  collateral  security  for a loan.  We must be
notified  in writing if you assign the  Contract.  Any payment we make before we
record  the  assignment  at our Home  Office  will not be  affected.  We are not
responsible  for the validity of an assignment.  Your rights and the rights of a
beneficiary may be affected by an assignment. The basic benefits of the Contract
are  assignable.  Additional  benefits  added  by any  rider  may or may  not be
available/eligible for assignment.

                                       6

<PAGE>
                                       7

Trustee

If a  trustee  is  named  as the  Owner  or  beneficiary  of this  Contract  and
subsequently  exercises ownership rights or claims benefits  hereunder,  we will
have  no  obligation  to  verify  that a trust  is in  effect.  We will  have no
obligation  to verify  that the  trustee  is acting  within the scope of his/her
authority.  Payment of contract benefits to the trustee will release us from all
obligations  under the  Contract  to the extent of the  payment.  When we make a
payment to the trustee,  we will have no  obligation to ensure that such payment
is applied according to the terms of the trust agreement.


                                DEATH PROVISIONS
--------------------------------------------------------------------------------

When a Distribution Is Required

In certain  circumstances,  Federal tax law requires that  distributions be made
under this Contract.  Except as described  below, a distribution  is required at
the first death of:

     (a)     an Owner or Joint Owner; or

     (b)     the  Annuitant or Joint  Annuitant if  any Owner  is a  non-natural
             entity.

The  amount  of  proceeds  available  on death  and the  methods  available  for
distributing such proceeds are also described in this section.

Designated Beneficiary

At the first death of (a) an Owner or Joint Owner, or (b) the Annuitant or Joint
Annuitant  if any Owner is a  non-natural  entity,  the  person or entity  first
listed  below who is alive or in existence on the date of that death will become
the Designated Beneficiary:

     (1) Owner or Joint Owners
     (2) primary beneficiary
     (3) contingent beneficiary
     (4) Owner's estate

The Designated  Beneficiary will be treated  thereafter as the sole Owner of the
Contract  and may  choose  one of the  Payment  Choices  below,  subject  to the
distribution rules stated below. For purposes of this section,  if there is more
than  one  Designated  Beneficiary,  each one will be  treated  separately  with
respect to their portion of the Contract.

Distribution Rules When Death Occurs Before Income Payments Begin

If the Designated Beneficiary is the surviving spouse of the deceased person, we
will continue the Contract in force with the surviving  spouse as the new Owner.
If the deceased person was an Annuitant, the surviving spouse will automatically
become the new sole  Annuitant.  Any other  surviving  Joint  Annuitant  will be
removed from the Contract.  At the death of the surviving spouse, this provision
may  not be  used  again.  The  provision  below  regarding  If  the  Designated
Beneficiary is not the surviving spouse must be used instead.

If the  Designated  Beneficiary  is not the  surviving  spouse  of the  deceased
person, this Contract cannot be continued in force indefinitely.  Instead, after
the date of death:

    o  No further Purchase Payments will be accepted.

    o  Payments  must  be  made  to,  or for  the  benefit  of,  the  Designated
       Beneficiary  under one of the payment choices listed below.

    o  If  no  choice  is  made  by the  Designated  Beneficiary  within 30 days
       following receipt of due proof of death, we will use payment choice 2.

    o  If the Designated Beneficiary  dies before the entire Surrender Value has
       been distributed, we will  pay in a lump sum  payment any Surrender Value
       still remaining  to the person named by the Designated Beneficiary or, if
       no person is so named, to the Designated Beneficiary's estate.

<PAGE>

Payment Choices:

     (1) Receive the Surrender Value in one lump sum payment upon receipt of due
         proof of death;

     (2) Receive the  Surrender  Value  at any time during the  five year period
         following  the  date  of  death  by   withdrawing  Contract   Value  or
         surrendering the Contract. At the end of  that  five  year  period,  we
         will  pay in a lump  sum  payment  any Surrender Value still remaining;

     (3) Apply the Surrender Value  to provide an  income under Optional Payment
         Plan 1 or 2. The first Income  Payment  must be made no later  than one
         year  after the date of death. The income payment period must be either
         (1) the  lifetime of  the Designated  Beneficiary, or (2) a  period not
         exceeding the Designated Beneficiary's life expectancy.

Under payment  choices (1) and (2), this Contract will terminate upon payment of
the entire  Surrender  Value.  Under  Payment  Choice (3),  this  Contract  will
terminate when the Surrender Value is applied to the Optional  Payment Plan. Due
proof of death must be provided within 90 days of death.

Proceeds When Death Occurs Before Income Payments Begin

If any Owner dies and that person is someone other than an Annuitant, the amount
of proceeds  available is the Surrender  Value. We will distribute the Surrender
Value  to,  or for  the  benefit  of the  Designated  Beneficiary  as  described
previously in this section.

If any Annuitant  dies,  regardless of whether  he/she is also an Owner or Joint
Owner, the amount of proceeds available is the Death Benefit.  On receipt of due
proof of death,  the  Surrender  Value will equal the Death  Benefit and will be
treated in accordance with instructions you provided subject to the distribution
rules and termination of contract provisions described above.

Death Benefit Available at Death of Any Annuitant

Death Benefit if the  Annuitant  is, or both the  Annuitant and Joint  Annuitant
are, age 80 or younger at issue: The Death Benefit is  equal to the greatest of:

     (a) the Contract Value as of the date we receive due proof  of death of any
         Annuitant;

     (b) sum of (1) minus (2) plus (3), where:

          (1) is the greatest  Contract  Value as  of any  contract  anniversary
              up to  and  including the contract  anniversary  next following or
              coincident  with the 80th birthday of the older of  any Annuitant;

          (2) is the Contract Value on the date of death; and

          (3) is  the  Contract Value  on the date we receive  due  proof of the
              death; and

     (c) sum of (1) minus (2) plus (3), where:

          (1) is the excess of Purchase Payments  accumulated at 5% per year and
              credited as of the  contract  anniversary  until the 80th birthday
              of the older of any Annuitant up to a maximum of 200% of  Purchase
              Payments.  Only  the  Purchase  Payments that  have  been  in  the
              Contract for an entire  contract  year  will be considered in this
              calculation;

          (2) is the Contract Value on the date of death; and

          (3) is  the  Contract  Value on  the date  we receive due proof of the
              death.

Withdrawals  reduce the sums calculated under (b) and (c)  proportionally by the
same percentage that the withdrawal reduces the Contract Value.

Death Benefit if any Annuitant is older than age 80 at issue:  The Death Benefit
is equal to the greatest of:

     (a) Contract  Value  as  of the date we  receive due  proof of death of any
         Annuitant;

     (b) sum of (1) minus (2) plus (3), where:
          (1) is the greatest  Contract Value as of any contract anniversary  up
              to  and  including  the  contract  anniversary  next following  or
              coincident with the 85th birthday of the older of any Annuitant;

          (2) is the Contract Value on the date of death; and

          (3) is the Contract Value on  the date  we receive due  proof  of  the
              death; and

     (c) Purchase Payments less any withdrawals.

                                        8

<PAGE>

                                        9

Withdrawals  reduce  the sum  calculated  under (b)  proportionally  by the same
percentage that the withdrawal reduces the Contract Value.

Distribution Rules When Death Occurs After Income Payments Begin

If any Owner,  Annuitant or Payee dies after  Income  Payments  have begun,  the
entire  interest  remaining  in the  Contract  will be  distributed  at least as
rapidly  as under the  method of  distribution  being used on the date of death.
Under this scenario,  "entire interest" means any guaranteed  payments remaining
under the payment plan in effect on the date of death.


                               PURCHASE PAYMENTS
--------------------------------------------------------------------------------

The initial Purchase Payment is due on the Contract Date.

Additional Purchase Payments

You may make  additional  Purchase  Payments  at any  time  before  the  Annuity
Commencement Date. The minimum amount allowed as an additional  Purchase Payment
is defined on the contract data pages. We reserve the right to limit the maximum
amount of  additional  Purchase  Payments we will  accept  based on our rules in
effect at the time of the payment.

Where to Send Purchase Payments

Send each Purchase Payment to  our  Home  Office. Make  any checks payable to GE
Life and Annuity Assurance Company.

Allocation of Purchase Payments

You may  allocate  Purchase  Payments  to one or more  Investment  Options.  The
maximum number of Investment Option allocations allowed is shown on the contract
data  pages.  The  minimum  percentage  of each  Purchase  Payment  that  may be
allocated to any particular  Investment  Option is also provided on the contract
data  pages.  Purchase  Payments  will be  allocated  in  accordance  with  your
instructions we have on file.

You may change the  allocation of later Purchase  Payments at any time,  without
charge,  by sending a notice to us at our Home  Office.  The  notice  must be in
writing or in any form  acceptable to us. The allocation  will apply to Purchase
Payments received after we receive the change.

                             MONTHLY INCOME BENEFIT
--------------------------------------------------------------------------------

We will pay you a monthly income for a guaranteed  minimum  period  beginning on
the Annuity  Commencement Date if the Annuitant(s) is still living.  The monthly
income  will be a  Variable  Income  Payment  similar to that  described  in the
provision  titled  "Variable  Income  Options" under the Optional  Payment Plans
section.  Payments will be made automatically  under a Life Income with 10 Years
Certain plan or a Joint Life and  Survivor  Income with 10 years  Certain  plan,
unless you choose otherwise.

Under the Life Income 10 Years Certain plan, if the Annuitant  lives longer than
10 years,  payments will  continue for his or her life.  If the  Annuitant  dies
before the end of ten years, the remaining payments for the ten year period will
be  discounted  at the same rate  used to  calculate  the  monthly  income.  The
discounted amount will be paid in one sum to you.

Under the Joint Life and Survivor  Income plan,  if any  Annuitant  lives longer
than 10 years, payments will continue for the surviving Annuitant's lifetime. If
both Annuitants die before the end of ten years, the remaining  payments for the
ten year  period  will be  discounted  at the same  rate used to  calculate  the
monthly income. The discounted amount will be paid in one sum to you.


<PAGE>

At  any  time,  while  the  Annuitant(s)  is  living,  and  before  the  Annuity
Commencement Date, you may choose to change the payment plan by written request.
If you do choose a  different  plan,  the monthly  income will  reflect the plan
chosen.  Payment  plans  which base  payment on the life or lives of one or more
individuals will base such payment on the life of the Annuitant or the Annuitant
and Joint Annuitant.  You may elect to receive the Annuity Commencement Value in
a lump  sum  instead  of  receiving  a  monthly  income.  If we pay the  Annuity
Commencement Value in a lump sum, we will have no further  obligations under the
Contract.

The  initial  Income  Payment  under  the  automatic  monthly  payment  plan  is
calculated by multiplying (a) times (b), divided by (c) where:

     (a) is the monthly payment rate per $1000, shown under the Optional Payment
         Plans for either the Life Income 10 years Certain or the Joint Life and
         Survivor Income, using the gender(s) and settlement age(s) of the
         Annuitant(s), instead of the Payee, on the Annuity Commencement Date;

     (b) is the Annuity Commencement Value; and

     (c) is $1000.

Income  Payments will be made monthly  unless  quarterly,  semi-annual or annual
payments  are chosen by  written  request.  However,  if any  payment  made more
frequently  than  annually  would be or becomes  less than $100,  we reserve the
right to reduce the  frequency  of payments to an interval  that would result in
each  payment  being at least $100.  If the annual  payment is less than $20, we
will  pay the  Annuity  Commencement  Value  and  the  Contract  will  terminate
effective as of the Annuity Commencement Date.

Annuity Commencement Date

The Annuity  Commencement  Date is provided on the contract  data pages,  unless
changed after issue. You may change the Annuity Commencement Date to any date at
least  ten  years  after  the date of the last  Purchase  Payment.  The  Annuity
Commencement Date cannot be a date later than the contract  anniversary on which
the  Annuitant,  or younger of the Joint  Annuitants,  reaches age 90,  unless a
later date is approved by the Company.  To make a change, send us written notice
before the Annuity  Commencement  Date then in effect. If you change the Annuity
Commencement  Date,  Annuity  Commencement  Date will then mean the new  Annuity
Commencement Date you selected.

                               GUARANTEE ACCOUNT
--------------------------------------------------------------------------------

You may  allocate  Purchase  Payments  and/or  transfer  Contract  Value  to the
Guarantee  Account.  Amounts allocated to the Guarantee Account earn interest at
the  rate  applicable  to  the  particular  allocation.  With  respect  to  each
allocation,  the  applicable  rate will remain in effect for a specified  period
(the interest rate guarantee period). You may also make transfers or withdrawals
from the Guarantee Account as described in this Contract.

Amounts  allocated  to the  Guarantee  Account are held in, and are part of, our
General  Account.  The General  Account  consists of our assets other than those
allocated to our separate accounts. Subject to statutory authority, we have sole
discretion  over the  investment  of the assets of the  General  Account.  Those
assets may be  chargeable  with  liabilities  arising out of any business we may
conduct.

Any Surrender Value or Death Benefit  available under the Guarantee Account will
not be less than required by the laws of your state.


                                       10

<PAGE>

                                       11

                                SEPARATE ACCOUNT
--------------------------------------------------------------------------------

The Separate  Account named on the contract data pages supports the operation of
this Contract and certain other variable annuity contracts we may offer. We will
not  allocate  assets to the  Separate  Account to support the  operation of any
contracts that are not variable annuities.

We own the assets in the Separate Account. These assets are held separately from
our other assets and are not part of our General Account.

The Separate  Account is registered with the Securities and Exchange  Commission
("SEC") as a unit investment trust under the Investment Company Act of 1940. The
Separate  Account is also subject to Virginia laws which regulate the operations
of insurance companies  incorporated in Virginia. The investment policies of the
Separate  Account  will not be changed  without  the  approval  of the  Virginia
Insurance Commissioner.

Insulation of Assets

The Separate  Account assets equal the reserves and other  contract  liabilities
supported  by the  Separate  Account.  These  assets  will not be  charged  with
liabilities  arising  from any other  business we conduct.  We have the right to
transfer to our General Account any assets of the Separate  Account which are in
excess of such reserves and other contract liabilities.

Subaccounts

The Separate Account is divided into Subaccounts. The Subaccount's income, gains
and losses,  realized or  unrealized,  are  credited to or charged  against such
Subaccounts.  This transaction is made without regard to other income,  gains or
losses of the Company or any other Subaccount.

The  Subaccounts  available  under this  Contract are shown on the contract data
pages. Each Subaccount  invests  exclusively in shares of a corresponding  Fund.
Shares of a Fund are  purchased and redeemed at their net asset value per share.
Any amounts of income, dividends and gains distributed from the shares of a Fund
are reinvested in additional shares of that Fund at its net asset value.

Changes To The Separate Account And Subaccounts

Where permitted by applicable law, we may:

     o  create new separate accounts;

     o  combine  separate  accounts,  including the Separate  Account;

     o  transfer assets of the  Separate  Account to another  separate  account;

     o  add new Subaccounts to or remove existing  Subaccounts from the Separate
        Account or combine  Subaccounts;

     o  make  Subaccounts  (including new Subaccounts) available to such classes
        of contracts as we may determine;

     o  add new Funds or remove existing Funds;

     o  substitute  new Funds for any  existing  Fund whose shares are no longer
        available  for  investment;

     o  substitute  new Funds for  any  existing  Fund  which we determine is no
        longer appropriate in light of the purposes of the Separate Account;

     o  deregister  the  Separate  Account  under  the Investment Company Act of
        1940; and

     o  operate the Separate  Account under the direction of a committee or in
        any other form permitted by law.

In the event of any  substitution or change,  we may, by endorsement,  make such
changes  in this and other  contracts  as may be  necessary  or  appropriate  to
reflect the substitution or change.

<PAGE>

Valuation of Separate Account Assets

We will value the assets of the  Separate  Account each  Valuation  Day at their
fair  market  value  in  accordance  with  accepted  accounting   practices  and
applicable laws and regulations.

Accumulation Units

Purchase  Payment(s)  allocated  to a  Subaccount  or amounts  transferred  to a
Subaccount are converted into  Accumulation  Units.  The number of  Accumulation
Units is determined by dividing the dollar amount  allocated to each  Subaccount
by the value of the Accumulation  Unit for that Subaccount for the Valuation Day
on which the  purchase  payment(s)  or  transferred  amount is  invested  in the
Subaccount.  Purchase  Payment(s)  allocated  to  or  amounts  transferred  to a
Subaccount increase the number of Accumulation Units of that Subaccount.

The events  which will reduce the number of  Accumulation  Units of a Subaccount
are  as  follows:

     (1)  withdrawals  or  transfers  of  Contract  Value  from a Subaccount;

     (2)  surrender of the Contract;

     (3)  payment of a Death Benefit;

     (4)  application of Contract Value to an income  payment  option;  and

     (5)  applicable Contract and/or rider fees and charges.

Accumulation  Units are canceled as of the end of the Valuation  Period in which
we receive notice regarding the event.

Accumulation Unit Value

The value of an  Accumulation  Unit for each Subaccount was arbitrarily set when
the Subaccount began operations.  Thereafter,  the value of an Accumulation Unit
at the end of every Valuation Day is the value of the  Accumulation  Unit at the
end of the previous  Valuation Day multiplied by the net investment  factor,  as
described  below.  On any day that is a Valuation  Day, the Contract  Value in a
Subaccount is determined by multiplying the number of Accumulation Units in that
Subaccount by the value of the Accumulation Unit for that Subaccount.

Net Investment Factor

The net  investment  factor is used to measure the  investment  performance of a
Subaccount.  The net  investment  factor for any  Subaccount  for any  Valuation
Period is determined by (a) divided by (b), minus (c), where:

     (a) is the result of:

          (1) the value of the assets in the Subaccount at the end of the
              preceding Valuation Period; plus

          (2) the investment income and capital gains, realized or unrealized,
              credited to those  assets at the end of the  Valuation  Period for
              which the net  investment factor is being determined; minus

          (3) the capital losses, realized or unrealized, charged against those
              assets during the Valuation Period; minus

          (4) any amount charged against the Separate Account for taxes. This
              includes any amount we set aside during the Valuation Period as a
              provision for taxes attributable to the operation or maintenance
              of the Separate Account; and

     (b) is the value of the  assets in the  Subaccount  at the end of the
         preceding Valuation Period; and

     (c) is a factor for the Valuation Period  representing the asset charge
         deducted from the Subaccount. The rates for this charge is shown on the
         contract data pages.


                                       12

<PAGE>

                                       13

                                   TRANSFERS
--------------------------------------------------------------------------------

Transfers Before Income Payments Begin

You may transfer amounts among the Investment Options by sending a request to us
at our Home Office.  Transfers  involving the  Guarantee  Account are subject to
limitations defined in this Contract. Transfer requests must be in writing or in
any form acceptable to us. We do not currently charge for transfers.  We reserve
the right to impose a transfer charge.

The maximum  amount of any  transfer  charge is provided  on the  contract  data
pages. When we perform transfers, the Contract Value on the date of the transfer
will not be  affected  by the  transfer  except to the  extent  of any  transfer
charge. Any transfer charge will be taken from the amount transferred.

Transfers  involving  the  Guarantee  Account  will be  effective on the date we
receive your request at our Home Office.  With respect to transfers  between the
Guarantee Account and the Separate  Account,  we reserve the right to impose the
following restrictions:

     (1) No transfers from the Separate Account to the Guarantee Account may be
         made during the six month  period  following  the  transfer  of any
         amount from the Guarantee Account to the Separate Account; and

     (2) For each  allocation  to the  Guarantee  Account,  transfers to the
         Separate Account  may be made only  during the  30-day period following
         the end of the allocation's  interest rate guarantee  period.  We may
         limit the amount that you can transfer  during that time, but the limit
         will not be less than a percentage of the original  allocation,  plus
         any accrued interest on that allocation.  The percentage  used to
         determine  this limit will be the lesser of (a) 100% and (b) 25% times
         the number of years in the guarantee period that just ended.

On written notice,  we reserve the right to limit the number of transfers to one
per month or to twelve  each  calendar  year.  We reserve the right to limit the
number of transfers to a lower number. This may be necessary for the Contract to
continue to be treated as an annuity by the IRS.  We reserve the right to refuse
to execute any transfer:

     (1) if any of the Subaccounts  that would be affected by the transfer is
         unable to purchase or redeem shares of the Fund in which the Subaccount
         invests; or

     (2) if the transfer is a result of more than one trade involving the same
         Subaccount within a 30 day period; or

     (3) if the transfer would adversely affect  accumulation unit values.  This
         may occur if the transfer  would  affect one percent or more of the
         relevant Fund's total assets.

Transfers  will be effective as of the end of the Valuation  Period during which
we receive your request at our Home Office. If the amount of your Contract Value
remaining  in an  Investment  Option after the transfer is less than the minimum
balance  stated on the  contract  data pages,  we will  transfer  the  remaining
balance in addition to the amount  requested for  transfer.  We will not allow a
transfer into any Investment  Option unless the value of that Investment  Option
after the transfer is at least equal to the amount  stated on the contract  data
pages.

Where  permitted  by law,  we may  accept  your  authorization  of  third  party
transfers.  We may  restrict the  Subaccounts  that will be available to you for
transfers.  This  restriction  may occur  during any period  such third party is
authorized to act for you. We will give you prior notice of any restrictions. We
will not enforce such restrictions if you provide us with satisfactory  evidence
that:

     (1) a court of competent jurisdiction has appointed such third party to act
         for you; or

     (2) you have appointed such third party to act for you for all of your
         financial affairs.

<PAGE>

Transfers After Variable Income Payments Begin

If Variable Income Payments are being made, you may transfer Annuity Units among
Subaccounts by sending a request to us at our Home Office.  This request must be
in writing or in any form acceptable to us. You may make three such transfers in
each calendar year. We reserve the right to limit the number of transfers.  This
may be necessary for the Contract to continue to be treated as an annuity by the
IRS.  We  reserve  the right to refuse to  execute  any  transfer  if any of the
Subaccounts  that would be  affected  by the  transfer  is unable to purchase or
redeem  shares of the Fund in which the  Subaccount  invests.  If the  number of
Annuity  Units  remaining in an  Subaccount  after a transfer is less than 1, we
will  transfer the  remaining  balance in addition to the amount  requested  for
transfer.  We will not allow a transfer into any Subaccount unless the number of
Annuity Units of that  Subaccount  after the transfer is at least 1. No transfer
charge is  imposed  for  transfers  of Annuity  Units.  The amount of the Income
Payment as of the date of the transfer will not be affected by the transfer.

The number of Annuity Units for the new Subaccount is (a) times (b),  divided by
(c), where:
     (a) is the number of Annuity Units for the current  Subaccount;

     (b) is the value of the  Annuity  Unit for the  current  Subaccount;  and

     (c) is the value of the Annuity Unit for the new Subaccount.


                            CONTRACT VALUE BENEFITS
--------------------------------------------------------------------------------

The Contract  Value is equal to the Contract  Value  allocated to the Investment
Options. On the date the initial Purchase Payment is received and accepted,  the
Contract Value equals the initial Purchase Payment.

Contract Value of the Separate Account

At the end of each Valuation  Period after the Contract Date, the Contract Value
allocated to each  Subaccount is (a) plus (b) plus (c) minus (d) minus (e) minus
(f), where:

     (a) is the Contract Value allocated to the Subaccount at the end of the
         preceding Valuation Period,  multiplied by the  Subaccount's  net
         investment  factor for the current Valuation Period;

     (b) is Purchase Payments  allocated to the Subaccount during the current
         Valuation Period;

     (c) is any other amounts  transferred into the  Subaccount  during the
         current  Valuation  Period;

     (d) is  Contract Value transferred out of the Subaccount during the current
         Valuation  Period;

     (e) is any withdrawal made from the Subaccount during the current Valuation
         Period; and

     (f) is any premium tax deductions.

Contract Value of the Guarantee Account

The Contract Value of the Guarantee Account is (a) plus (b) minus (c) minus (d),
where:

     (a) the sum of all amounts  allocated to it;

     (b) any interest credited on those  amounts;

     (c) any amounts  removed by transfer or surrender;  and

     (d) any amounts  deducted  for charges  made under the  Contract and any
         riders that may apply.

You may  distribute any allocation to one or more of the interest rate guarantee
periods  available at the time of your allocation.  Unless you choose otherwise,
the initial  interest rate guarantee period will be one year. Each interest rate
guarantee  period must be at least one year.  At the end of each  interest  rate
guarantee  period,  a new interest rate guarantee period of one year, with a new
rate,  will  begin.  We will  notify you of the new rate.  A new  interest  rate
guarantee period of one year will begin.

Interest rates that apply to allocations to the Guarantee Account are determined
by us in our sole discretion.  The minimum guaranteed  interest rate is shown on
the contract data pages.


                                       14

<PAGE>

                                       15

Deductions  from the Contract Value for the annual contract charge and any other
charges  that may apply are made first from the  Contract  Value of the Separate
Account. These charges are deducted proportionally from the Subaccounts in which
you are invested.  Any remaining charge will be deducted from the Contract Value
of the  Guarantee  Account.  This charge will be taken  proportionally  from the
money in the Guarantee  Account.  No deduction will occur if it would reduce the
Surrender  Value  below any minimum  value that might be required by  applicable
state law.

Annual Contract Charge

There will be a charge  made each year for  maintenance  of the  Contract.  This
charge is made once for each contract year against the Contract Value  allocated
to the Separate Account.  The charge for a contract year will be deducted at the
earlier  of  the  next  contract   anniversary  or  the  date  the  Contract  is
surrendered.  The amount of this charge is shown on the contract data pages.  We
will  waive  this  charge if the  Contract  Value at the time the  charge is due
exceeds the minimum Contract Value shown on the contract data pages.

Surrender

You can surrender this Contract by sending the Contract and a written request to
our Home Office.  We must receive the request before Income Payments begin.  The
amount payable is the Surrender Value as of the date we receive the request.

Withdrawal

You may make a withdrawal  from the Contract  Value at any time.  The  allowable
withdrawal  amount is subject to  limitations  as defined on the  contract  data
pages.  The  amount  payable  will be the  amount  of the  withdrawal,  less any
surrender charge and any premium tax.

You may tell us how to deduct the withdrawal from the Investment Options. If you
do not, the withdrawal  will be deducted first from each  Subaccount in the same
proportion  that the  Contract  Value  in that  Subaccount  bears  to the  total
Contract Value in all Subaccounts on the date we receive the request in our Home
Office.  If the  amount of the  withdrawal  exceeds  the  Contract  Value in the
Subaccount(s), any remaining deductions will be made from the Guarantee Account.
The amounts  deducted  from the  Guarantee  Account will be taken on a first-in,
first-out  basis.  "First-in,  first-out"  means  the  order in  which  Purchase
Payments and transferred amounts were allocated to the Guarantee Account.

Surrender Charge

All or part of the amount withdrawn or surrendered may be subject to a surrender
charge.  The  surrender  charge is a percentage of each  Purchase  Payment.  The
applicable  percentage  for each  Purchase  Payment  is  shown  in the  Table of
Surrender  Charges on the contract data pages.  The number of years shown in the
table  represents  the number of full and  partially  completed  years since the
Purchase Payment was received.

Order of withdrawal.  Amounts  withdrawn will be deducted first from any gain in
the  Contract.  Surrender  charges are not assessed on amounts  which  represent
gain.  For purposes of this section,  "gain" is calculated as (a) plus (b) minus
(c) minus (d), but not less than zero where:

     (a) is the Contract  Value on the date we receive your withdrawal or
         surrender  request;

     (b) is the total of any  withdrawals  including  surrender charges
         previously taken;

     (c) is the total of  Purchase Payments made; and

     (d) is the total of any gain previously  withdrawn.

<PAGE>

In addition to any gain, an amount equal to 10% of the total  Purchase  Payments
made through the date of withdrawal  can also be withdrawn  during each contract
year without a surrender charge (the "10% free withdrawal amount"). The 10% free
withdrawal  amount is not  cumulative  from contract year to contract  year. Any
amount  withdrawn in excess of (1) the gain on the date of withdrawal,  plus (2)
10% of the total  Purchase  Payments,  will be the amount subject to a surrender
charge. For purposes of determining the applicable  surrender charge, the amount
subject to a  surrender  charge  will be deducted  from  Purchase  Payments on a
first-in,  first-out basis. Amounts withdrawn which are not subject to surrender
charge may be taken as a series of periodic payments instead of a lump sum.

There will be no surrender  charge if you choose one of the  following  Optional
Payment Plans:

     o    Plan 1;

     o    Plan 2 for a period of 5 or more years;

     o    Plan 5.

Postponement of Payments

We will make payment within seven days from the date of withdrawal or surrender.
We will make  payment  within  seven days from the receipt of due proof of death
for a lump sum claim settlement. We may postpone these payments when:

     o    the New York Stock Exchange is closed other than customary weekend and
          holiday closings; or

     o    the SEC restricts trading on the New York Stock Exchange; or

     o    the SEC permits postponement for the  protection of contractowners; or

     o    the SEC determines an emergency exists. Due to  the emergency disposal
          of securities or the determination of the values  of net assets of the
          Separate Account is not reasonably practical.

We reserve the right to defer payment of any  withdrawal  or surrender  from the
Guarantee  Account  for up to six  months.  We will not defer  payment if we are
required by law to pay earlier.  We will not defer payment if the amount is used
to pay Purchase Payments on contracts with us.

We have the right to defer  payment  which is derived  from any amount  recently
paid to us by check or draft.  We will make  payment when we are  satisfied  the
check or draft has been paid by the bank on which it is drawn.


                              GENERAL INFORMATION
--------------------------------------------------------------------------------

Statement of Values

At least once each year, we will send a Contract  statement.  The statement will
be mailed within 30 days of the statement date. The statement date will be on at
least one of the following  dates:  March 31st,  June 30th,  September  30th and
December  31st. The statement will show the Contract  Value,  Purchase  Payments
made, number of Accumulation  Units,  values of Accumulation  Units, and charges
deducted during the statement period.

Evidence of Death, Age, Gender or Survival

We will require proof of death before we act on contract  provisions relating to
death of any person or persons. We may also require proof of the age, gender, or
survival  of any  person  or  persons  before we act on any  contract  provision
dependent on age, gender or survival.

Incontestability

We will not contest this Contract.

                                       16

<PAGE>

                                       17

Misstatement of Age or Gender

If any  Annuitant's  age or  gender,  where  appropriate,  is  misstated  on the
contract data page, any Contract  benefits or proceeds will be determined  using
the correct age and gender.

Premium Tax

Premium tax rules vary by state and change from time to time. Some states assess
a  tax  against  us  on  receipt  of  Purchase   Payments  and  some  states  on
annuitization of proceeds.

Tax assessed on receipt of Purchase Payments:  The premium tax rate shown on the
contract  data  pages is the rate that was in effect in your  state at  Contract
issue.  To  calculate  any  premium  tax in  effect on the date we  receive  the
Purchase Payment, multiply the Purchase Payment by the premium tax rate. This is
the  amount  of any  state  and/or  local  premium  tax  charged  to us for this
Contract.  We reserve the right to deduct any such tax either from your Purchase
Payment(s) when received,  or from proceeds later when paid.  (Proceeds includes
benefits from surrender, withdrawal, annuity commencement and death.)

Tax assessed on  annuitization  of proceeds:  Since some states assess a premium
tax on proceeds used to purchase Income Payments, we reserve the right to deduct
from such  proceeds any premium tax paid by us.  Because state premium tax rules
change from time to time,  any tax rate for  proceeds  used to  purchase  Income
Payments is not shown in your Contract.  You may request notice of the amount of
this tax before Income Payments begin.

Nonparticipating

This Contract is nonparticipating. No dividends are payable.

Written Notice

You should send written  notice to our Home Office.  Please include the Contract
number and the Annuitant(s)'s full name.

We will send notices to your last known  address.  You should request an address
change form if you move.

                             OPTIONAL PAYMENT PLANS
--------------------------------------------------------------------------------

Death Benefit and Surrender Value proceeds will be paid in one lump sum. Annuity
Commencement  Value will be paid as  described  in the  Monthly  Income  Benefit
section.  Subject to the rules stated  below,  any part of the Death  Benefit or
Surrender Value proceeds can be left with us and paid under an Optional  Payment
Plan.  If you choose to do so, the proceeds less any premium tax will be applied
to calculate your Income  Payment.  During the  Annuitant(s)'s  life you (or the
Designated  Beneficiary at your death) can choose a plan. If a plan has not been
chosen at the death of the Annuitant or Owner,  the Designated  Beneficiary  can
choose a plan if the Death Benefit is to be paid.

There are several important Optional Payment Plan rules:

   o   Our consent must be obtained prior to selecting an Optional  Payment Plan
       if any Payee is not a natural person.

   o   Payment made under an Optional  Payment Plan at the death of any Owner or
       Annuitant must conform with the rules in the Death Provisions section.

   o   If you change a  beneficiary,  your plan  selection  will no longer be in
       effect unless you request that it continue.

   o   Any  choice  or  change  of a plan  must be sent in  writing  to our Home
       Office.

   o   The amount of each payment under a plan must be at least $100.

   o   Fixed Income  Payments  will  begin  on  the  date  we  receive  proof of
       any Annuitant's   or  Owner's  death, on  surrender, or  on  the  Annuity
       Commencement Date.

<PAGE>

   o   Variable  Income  Payments  will  begin within  seven days after the date
       payments would begin under the corresponding fixed option.

   o   Payments under Plan 4 will begin at the end of the first interest  period
       after the date proceeds are otherwise payable.

Fixed Income Options

Optional  Payment Plans 1 through 5 are available as fixed income  options.  Any
amount  left with us under a fixed  income  option  will be  transferred  to our
General Account.  Payments made will equal or exceed those required by the state
where this Contract is delivered.

Variable Income Options

Optional  Payment Plans 1 and 5 are available as variable income  options.  This
means  that  Income  Payments,  after the first,  will  reflect  the  investment
experience of the Subaccounts. No minimum amount is guaranteed.

Determination of the Amount of the First Variable Income Payment: The tables for
Optional  Payment Plans 1 and 5 are used to determine the first Income  Payment.
They show, for various plans, ages and genders,  the monthly payment that can be
purchased  with  $1,000 of  proceeds.  The first  payment  is equal to (a) times
(b), divided by 1,000, where:

     (a)  is the Contract Value  as of  the Annuity  Commencement Date, less any
          premium taxes; and

     (b)  is  the  monthly  payment  from  the  table for the  chosen  plan  and
          appropriate age(s) and gender(s) of the Annuitant(s).  The age used to
          determine the payment may be subject to an adjustment as  shown in the
          settlement age adjustment  table below.

These amounts use the 1983 'a' Individual  Annuity  Mortality  Table,  modified,
with an Assumed Interest Rate of 3%.

Determination of the Amount of Subsequent  Variable Income Payments:  Subsequent
payments are determined by means of Annuity Units.  The amount may be greater or
less than the initial payment.

The number of Annuity Units will be determined on the Annuity Commencement Date.
The number  will not change  unless a  transfer  is made.  The number of Annuity
Units for a Subaccount is (a) divided by (b), where:

     (a)  is the portion of the first payment from that Subaccount; and

     (b)  is the  Annuity  Unit value for  that  Subaccount on the day the first
          payment is due.

Each subsequent payment is equal to the sum of payments for each Subaccount. The
payment  for a  Subaccount  is the number of Annuity  Units for that  Subaccount
times the Annuity Unit value for that  Subaccount  seven days before the monthly
anniversary of the Annuity Commencement Date.

We guarantee that each subsequent  payment will not be affected by variations in
mortality  experience from the mortality  assumptions on which the first payment
is based.

Determination  of Annuity  Unit  Value::  Initially,  the Annuity Unit value was
arbitrarily set at the start of the  Subaccount.  The Annuity Unit value of each
Subaccount  for any Valuation  Period is equal to the Annuity Unit value for the
preceding Valuation Period multiplied by the product of (a) and (b), where:

     (a)  is the net investment factor for the  Valuation  Period  for which the
          Annuity Unit value is being calculated; and

     (b)  is an Assumed  Interest  Rate factor  equal to  .99991902  raised to a
          power equal to the number of days in the Valuation Period.

The Assumed  Interest Rate factor in (b) is the daily  equivalent of dividing by
one plus the Assumed  Interest  Rate of 3%. If a plan with a  different  Assumed
Interest  Rate is used to determine  the initial  payment,  a different  Assumed
Interest Rate factor will be used to determine subsequent payments.

As described above, our  determination of an Accumulation  Unit value or Annuity
Unit value will be binding on you and any Designated Beneficiary.

                                       18

<PAGE>

                                       19

Payment Plans

The fixed  income  options are shown below.  Variable  income  options,  with an
Assumed  Interest  Rate of 3%, have the same  initial  monthly  payment rate per
$1000 as the fixed  income  options  shown in the Plan 1 and Plan 5 Tables.  The
monthly  payment rate is based on the 1983 Table 'a',  using 3% interest.  Other
plans may be available upon request.

Plan 1. Life Income with Period  Certain.  We will make  monthly  payments for a
guaranteed  minimum  period.  If the Payee lives longer than the minimum period,
payments will continue for his or her life.  The minimum period can be 10, 15 or
20 years.  Payments  will be according to the table  below.  Guaranteed  amounts
payable  under this plan will earn  interest  at 3%  compounded  yearly.  We may
increase  the  interest  rate and the amount of any  payment.  If the Payee dies
before the end of the guaranteed  period,  the amount of remaining  payments for
the  minimum  period  will be  discounted  at the same rate used in  calculating
Income  Payments.  Discounted  means we will deduct the amount of interest  each
remaining  payment  would  have  earned  had it not  been  paid out  early.  The
discounted  amounts  will  be  paid  in one  sum to the  Payee's  estate  unless
otherwise provided.

                                  Plan 1 Table

Monthly payment rates for each $1,000 of proceeds under Plan 1.

<TABLE>
<CAPTION>


Settlement                                                      Settlement
   Age         Male Payee                  Female Payee            Age             Male Payee                    Female Payee
        --------------------------    -------------------------            --------------------------     --------------------------
        10 Years 15 Years 20 Years    10 Years 15 Years 20 Years           10 Years 15 Years 20 Years     10 Years 15 Years 20 Years
        Certain  Certain  Certain     Certain  Certain Certain             Certain  Certain  Certain      Certain  Certain  Certain
------------------------------------------------------------------------------------------------------------------------------------
<S>     <C>
   20    $2.90    $2.90    $2.89       $2.81    $2.81   $2.81       65      $5.51    $5.22    $4.86         $4.91   $4.77    $4.58
   25     3.00     2.99     2.99        2.88     2.88    2.88       66       5.66     5.33     4.92          5.03    4.88     4.65
   30     3.11     3.11     3.10        2.97     2.97    2.97       67       5.81     5.43     4.99          5.17    4.99     4.73
   35     3.26     3.25     3.24        3.09     3.08    3.08       68       5.97     5.54     5.05          5.31    5.10     4.80
   40     3.45     3.43     3.41        3.23     3.23    3.22       69       6.13     5.65     5.10          5.46    5.21     4.88
   45     3.68     3.66     3.62        3.42     3.41    3.39       70       6.30     5.75     5.16          5.62    5.33     4.95
   50     3.98     3.94     3.88        3.65     3.64    3.61       71       6.48     5.85     5.21          5.79    5.45     5.02
   51     4.05     4.00     3.93        3.71     3.69    3.66       72       6.66     5.95     5.25          5.97    5.57     5.08
   52     4.12     4.07     3.99        3.77     3.74    3.71       73       6.84     6.05     5.29          6.15    5.69     5.14
   53     4.20     4.14     4.05        3.83     3.80    3.76       74       7.02     6.14     5.33          6.34    5.81     5.20
   54     4.28     4.21     4.11        3.89     3.86    3.82       75       7.20     6.23     5.36          6.54    5.92     5.25
   55     4.36     4.29     4.18        3.96     3.93    3.88       76       7.39     6.31     5.39          6.74    6.03     5.29
   56     4.45     4.37     4.24        4.03     3.99    3.94       77       7.57     6.39     5.41          6.95    6.13     5.33
   57     4.55     4.45     4.31        4.11     4.07    4.00       78       7.75     6.46     5.43          7.15    6.23     5.36
   58     4.65     4.53     4.38        4.19     4.14    4.07       79       7.93     6.52     5.45          7.36    6.32     5.39
   59     4.75     4.62     4.45        4.28     4.22    4.13       80       8.09     6.58     5.47          7.57    6.41     5.42
   60     4.86     4.72     4.52        4.37     4.30    4.20       81       8.26     6.63     5.48          7.78    6.48     5.44
   61     4.98     4.81     4.59        4.46     4.39    4.27       82       8.41     6.67     5.49          7.97    6.55     5.46
   62     5.10     4.91     4.65        4.56     4.48    4.35       83       8.56     6.71     5.49          8.16    6.60     5.47
   63     5.23     5.01     4.72        4.67     4.57    4.42       84       8.69     6.74     5.50          8.34    6.65     5.48
   64     5.37     5.11     4.79        4.79     4.67    4.50    85&over     8.81     6.77     5.50          8.50    6.70     5.49
</TABLE>


Values for ages not shown will be furnished upon request.

Plan 2. Income for a Fixed Period.  We will make  periodic  payments for a fixed
period, not longer than 30 years. Payments can be annual, semi-annual, quarterly
or monthly.  Payments  will be made  according  to the table  below.  Guaranteed
amounts payable under this plan will earn interest at 3% compounded  yearly.  We
may increase the interest and the amount of any payment.  If the Payee dies, the
amount of the  remaining  guaranteed  payments will be discounted to the date of
the Payee's  death at the same rate used in  calculating  Income  Payments.  The
discounted amount will be paid in one sum to the Payee's estate unless otherwise
provided.


                                  Plan 2 Table

Monthly payment rates for each $1,000 of proceeds under Plan 2.

<TABLE>
<CAPTION>

Years
Payable   1       2       3       4       5       6       7       8       9       10      11      12      13      14      15
-------------------------------------------------------------------------------------------------------------------------------
<S>     <C>
Monthly
Payment $84.47  $42.86  $28.99  $22.06  $17.91  $15.14  $13.16  $11.68  $10.53   $9.61   $8.86   $8.24   $7.71   $7.26   $6.87
-------------------------------------------------------------------------------------------------------------------------------
-------------------------------------------------------------------------------------------------------------------------------
Years
Payable   16      17      18      19      20      21      22      23      24      25      26      27      28      29      30
-------------------------------------------------------------------------------------------------------------------------------
Monthly
Payment $6.53   $6.23    $5.96  $5.73   $5.51   $5.32   $5.15   $4.99   $4.84    $4.71  $4.59   $4.47   $4.37   $4.27    $4.18
-------------------------------------------------------------------------------------------------------------------------------
</TABLE>

Annual,  semi-annual or quarterly  payments are  determined by  multiplying  the
monthly payment by 11.838, 5.963 or 2.992, respectively.


Plan 3.  Income of a  Definite  Amount.  We will  make  periodic  payments  of a
definite amount. Payments can be annual, semi-annual,  quarterly or monthly. The
amount  paid  each  year  must be at least  $120 for each  $1,000  of  proceeds.
Payments will continue until the proceeds are  exhausted.  The last payment will
equal the amount of any unpaid  proceeds.  Unpaid proceeds will earn interest at
3% compounded  yearly.  We may increase the interest rate. If we do, the payment
period will be extended. If the Payee dies, the amount of the remaining proceeds
with  earned  interest  will  be paid  in one  sum to his or her  estate  unless
otherwise provided.

Plan 4. Interest Income.  We will make periodic payments of interest earned from
the proceeds  left with us.  Payments can be annual,  semi-annual,  quarterly or
monthly,  and will begin at the end of the first period  chosen.  Proceeds  left
under this plan will earn interest at 3% compounded  yearly. We may increase the
interest  rate and the amount of any payment.  If the Payee dies,  the amount of
remaining proceeds and any earned but unpaid interest will be paid in one sum to
his or her estate unless otherwise provided.

Plan 5. Joint Life and Survivor  Income.  We will make  monthly  payments to two
Payees  for a  guaranteed  minimum  of 10 years.  Each Payee must be at least 35
years old when  payments  begin.  The amount  payable  under this plan will earn
interest at 3%  compounded  yearly.  We may increase  the interest  rate and the
amount of any payment. Payments will continue as long as either Payee is living.
If both  Payees  die  before the end of the  minimum  period,  the amount of the
remaining  payments for the 10 year period will be  discounted  at the same rate
used in calculating  the monthly income.  The discounted  amount will be paid in
one sum to the survivor's estate unless otherwise provided.

                                  Plan 5 Table

Monthly payment rates for each $1000 of proceeds under Plan 5.

<TABLE>
<CAPTION>


Male Settlement                                                         Female Settlement Age
------------------------------------------------------------------------------------------------------------------------------------
<S>     <C>
    Age            35          40          45         50         55         60        65         70         75        80     85&over
------------------------------------------------------------------------------------------------------------------------------------
    35           $2.95       $3.02       $3.07      $3.12      $3.16      $3.19     $3.21      $3.23      $3.24     $3.25     $3.26
    40            2.99        3.07        3.15       3.22       3.28       3.33      3.37       3.40       3.42      3.43      3.44
    45            3.02        3.11        3.21       3.31       3.41       3.49      3.55       3.60       3.64      3.66      3.68
    50            3.04        3.15        3.27       3.40       3.53       3.65      3.76       3.84       3.90      3.94      3.97
    55            3.05        3.18        3.32       3.48       3.65       3.82      3.98       4.12       4.22      4.29      4.33
    60            3.07        3.20        3.35       3.54       3.75       3.97      4.21       4.42       4.60      4.73      4.80
    65            3.07        3.21        3.38       3.58       3.82       4.11      4.42       4.74       5.03      5.25      5.39
    70            3.08        3.22        3.39       3.61       3.88       4.21      4.60       5.04       5.47      5.84      6.09
    75            3.08        3.22        3.40       3.63       3.92       4.28      4.74       5.28       5.87      6.42      6.82
    80            3.09        3.23        3.41       3.64       3.94       4.33      4.82       5.45       6.18      6.91      7.50
 85&over          3.09        3.23        3.41       3.65       3.95       4.35      4.87       5.55       6.37      7.26      8.00
</TABLE>

Figures for  intermediate  ages,  for two males or two females will be furnished
upon request.

                                       20
<PAGE>

                                       21

                             Maximum Age Adjustment

Settlement  Age: The settlement age is the Payee's age last birthday on the date
payments  begin,  minus an age adjustment  from the table below.  The actual age
adjustment may be less than the numbers shown.

 Year Payments Begin                                 Maximum Age
After        Prior To                                 Adjustment
---------------------                                -----------

 ---           2001                                       0
2000           2026                                       5
2025           2051                                      10
2050           ---                                       15


<PAGE>



                           FLEXIBLE PREMIUM VARIABLE
                           DEFERRED ANNUITY CONTRACT
--------------------------------------------------------------------------------

o    Income Payments begin at Annuity Commencement Date

o    No Dividends

o    Some benefits reflect investment results

--------------------------------------------------------------------------------


                              GE LIFE AND ANNUITY
                               ASSURANCE COMPANY