Exhibit (4) (b) (x)



Exhibit (4)(b)(x) 
 
GE LIFE AND ANNUITY ASSURANCE COMPANY 
DEATH PROVISIONS ENDORSEMENT 
 

 
The Contract to which this endorsement is attached is amended by deleting the Death
Provisions section and replacing it with the following: 
 
Distribution
Provisions Upon Death of Owner or Joint Owner 
 
When a Distribution
is Required: In certain circumstances, federal tax law requires that distributions be made under this Contract. Except as described below in the Distribution Rules provisions, a distribution is required at the first death of: 

	 	(1)	an Owner or Joint Owner; or 


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

 
The amount of proceeds payable upon the death of an Owner or Joint Owner (or the Annuitant or Joint Annuitant if an Owner or Joint
Owner is a non-natural entity) and the methods available for distributing such proceeds are also described in the provisions below. 
 
Proceeds Payable When an Owner or Joint Owner Dies Prior to the Date Income Payments Begin: If any Owner or Joint Owner dies prior to the date Income
Payments begin, the amount of proceeds payable will be the Contract Value as of the first Valuation Day as of which we have receipt of request for surrender or choice of applicable payment choice, proof of death and any required forms at our Home
Office. 
 
Death Benefit Provisions Upon the Death of An Annuitant or
Joint Annuitant 
 
If any Annuitant dies prior to the date Income
Payments begin, regardless of whether he or she is an Owner or Joint Owner, the amount of proceeds payable is the Death Benefit. The Death Benefit payable is equal to the greater of: 

	 	(a)	Purchase Payments adjusted for any withdrawals and any applicable premium tax; and 


	 	(b)	The Contract Value on the first Valuation Day as of which we have receipt of due proof of death and all required forms at our Home Office. 

 
Withdrawals reduce the Death Benefit proportionally by the same percentage that the
withdrawal (including any applicable surrender charges and any premium taxes paid) reduces the Contract Value. 
 
The Death Benefit will be calculated as of the first Valuation Day as of which we have receipt of due proof of death and all required forms at our Home Office. 
 
Change of Ownership: In the event that the underlying Contract is assigned or
sold, unless under a court ordered assignment, the Death Benefit will equal the Contract Value on the first Valuation Day as of which we have receipt of due proof of death and all required forms at our Home Office. 
 
 

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How to Claim Contract Proceeds and/or Death Benefit Payments 
 
Designated Beneficiary: At the death of: 

	 	(1)	an Owner or Joint Owner (or the Annuitant or Joint Annuitant if any Owner or Joint Owner is a non-natural entity); or 


	 	(2)	the Annuitant or Joint Annuitant; 

 
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 Owner 
(2) primary beneficiary 
(3)
contingent beneficiary 
(4) Owner’s or Joint 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
listed in the “How to Claim Proceeds When Death Occurs Before Payments Begin” provision. For purposes of this provision, if there is more than one primary beneficiary named, each one will be treated separately with respect to their portion
of the Contract. If there is no primary beneficiary(ies) alive or in existence at the time of the death, all proceeds will be then payable to any named contingent beneficiary(ies). 
 
How to Claim Proceeds When Death Occurs Before Payments Begin: We should be notified immediately by telephone upon the death of
an Owner, Joint Owner, Annuitant or Joint Annuitant. We have the right to request that all notifications of death be immediately followed by written notification. Upon notification, no additional Purchase Payments will be accepted. Upon such
notification of death, we will transfer all assets in the Contract to the [GE Investments Funds, Inc.—Money Market Fund] until receipt of due proof of death and any required forms. Due proof of death consists of a death certificate issued by a
government jurisdiction or a court of law. Any required forms can consist of information necessary in order to pay any named Designated Beneficiary(ies) and any other information necessary to process applicable proceeds. 
 
In cases where there are multiple Designated Beneficiaries, once all required
information is received, each Designated Beneficiary will be allocated their share of the proceeds in accordance with the terms of the Contract and as specified by the Owner. At such time, once allocated their share of the proceeds each Designated
Beneficiary may elect to: 
 

	Payment	Choices: 


	 	(1)	Receive the proceeds in one lump sum; or 


	 	(2)	Receive the proceeds over a period of five years following the date of death. At the end of the five year period, any remaining amounts will be distributed in one lump sum (if
the Designated Beneficiary dies before all payments have been distributed, the remaining proceeds will be paid to the person or entity named by the Designated Beneficiary or his or her estate if no person or entity is named); or



	 	(3)	Elect Optional Payment Plan (1) or (2) as described in the Optional Payment Plans section. If elected, payments must commence no later than one year after the date of death
and the Income Payment period must be during the lifetime of the Designated Beneficiary or for a period not exceeding the life expectancy of the Designated Beneficiary; or 


	 	(4)	If the Designated Beneficiary is the spouse of a deceased Owner, he or she may continue the Contract as stated in the “Distribution Rules” provision.


 

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If a Designated Beneficiary makes no election within 60 days following receipt of due proof of death and all
required forms at our Home Office, payments will default to payment choice (2). 
 
Distribution Rules When Death Occurs Before Income Payments Begin 
 
If the sole Designated Beneficiary is the surviving spouse of the deceased Owner, the surviving spouse may elect to continue the Contract with the surviving spouse as the Owner. If the deceased Owner was also an Annuitant or
Joint Annuitant, the surviving spouse will automatically become the new sole Annuitant. As the new named Owner and Annuitant, the surviving spouse may exercise all rights as stated in the Contract. Any other surviving Joint Annuitant will be removed
from the Contract. Should the surviving spouse remarry, the new spouse may not exercise this provision at the death of the surviving spouse. If the surviving spouse is one of multiple Designated Beneficiaries, the surviving spouse may only continue
the Contract in proportion to the amount as allocated him or her by the Owner as stated on the application or later in writing in a form acceptable to us. 
 
If the Designated Beneficiary(ies) is not the surviving spouse of the deceased, the Designated Beneficiary(ies) may not continue the Contract indefinitely.
Instead, the proceeds from the Contract must be distributed within five years of the date of death unless an Optional Payment Plan is elected. 
 
Distribution Rules When Death Occurs After Income Payments Begin 
 
If an Owner, Joint Owner, Annuitant, Joint 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.

 
For GE Life and Annuity Assurance Company, 
 
/s/ PAMELA S. SCHUTZ

 
Pamela S. Schutz

President 
 

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