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                  GENWORTH LIFE AND ANNUITY INSURANCE COMPANY
                            GUARANTEED INCOME RIDER

This rider is added to the Contract. The rider provides a guaranteed income
benefit. The benefit is a series of payments determined on the earlier of the
Income Start Date or the Annuity Commencement Date with respect to payments you
have made to the designated Subaccount(s). Each series of monthly payments is
referred to as a Segment. The guaranteed income benefit is comprised of one or
more guaranteed income Segments (GIS). Each Segment has its own effective date,
Income Start Date, Scheduled Transfer, Monthly Income plan and Guaranteed
Annual Income Factor as shown on the Contract Data Pages. Any time a new
Segment is added, a new set of Contract Data Pages will be sent to you. You may
add additional Segments on any Contract monthly anniversary. In order to add a
Segment, the attained age for any Annuitant must not exceed the age limit shown
on the Contract Data Pages. We allow a maximum of five Segments. We reserve the
right to allow additional Segments. You may not terminate this rider, except
under the terms specified under the Termination of Rider provision.

All rider terms will have the same meaning as under the Contract, unless
otherwise provided. Each Segment will operate as follows:

Adjustment Account - The account that is established when the Monthly Income is
calculated on the Income Start Date.

Annual Income Amount - The amount equal to Annuity Units multiplied by Annuity
Unit value on the Valuation Day each Annuity Year starts for any benefits
calculated under this rider.

Annuity Year - A one-year period of time beginning on the Income Start Date or
the annual anniversary of the Income Start Date.

GIS Subaccount - The Subaccount(s) indicated on the Contract Data Pages into
which the Scheduled Transfers are made.

GIS Value - On any Valuation Day, the sum of the values in each GIS Subaccount
on the earlier of the Income Start Date and the Annuity Commencement Date.

Guaranteed Annual Income Factor - A factor used to calculate the annual
Guaranteed Income Floor acquired with each Scheduled Transfer.

Guaranteed Income Floor - The guaranteed amount of Monthly Income as of the
Income Start Date.

Income Start Date - The date stated on the Contract Data Pages on which Monthly
Income from the GIS Subaccount(s) is scheduled to commence, provided any
Annuitant is living on that date. This date cannot be changed after issue. Any
restriction as to when this date must occur will be shown on the Contract Data
Pages.

Income Start Value - The GIS Value as of the Income Start Date.

Level Income Amount - The amount that would result from applying the Annual
Income Amount to a 12-month, period certain, single payment immediate annuity
made available to this rider. We will declare the interest rate at the start of
each Annuity Year.

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Monthly Income - The amount added each month on a prorata basis to the
Investment Options in which assets are then allocated, excluding the GIS
Subaccount(s), on and after the Income Start Date. The amount of the Monthly
Income remains constant throughout an Annuity Year. This amount may increase or
decrease from Annuity Year to Annuity Year. You have the option to have the
Monthly Income paid to you.

Scheduled Transfer - The amount transferred into the GIS Subaccount(s) from the
Investment Options, excluding the GIS Subaccount(s). This amount is shown on
the Contract Data Pages. Once established, this amount may not be changed.

Segment - A series of monthly payments. Each Segment comprises the guaranteed
income benefit.

Scheduled Transfers

The first Scheduled Transfer is made to the GIS Subaccount(s) as of the
effective date. Scheduled Transfers if due will continue to be made on each
monthly anniversary of that date until the earlier of the Income Start Date or
the Annuity Commencement Date. Scheduled Transfers may be made in advance of
the monthly anniversaries on which they become due. If any month ends before
the monthly anniversary or on a day that is not a Valuation Day, the next
Valuation Day will be treated as the monthly anniversary for that month.

Only Scheduled Transfers can be made into the GIS Subaccount(s). Purchase
Payments may not be made directly to the GIS Subaccount(s). Scheduled Transfers
are made first to the GIS Subaccount(s) of the Segment that has been in effect
for the longest period of time.

Scheduled Transfers will first be made from the Subaccounts, excluding the GIS
Subaccount(s), on a prorata basis. Transfers will be made from any Guarantee
Account to the extent that the value in the Subaccounts is insufficient to
cover the Scheduled Transfer amount. Transfers from the Guarantee Account will
be taken first from the amounts that have been in the Guarantee Account for the
longest period of time.

There is a minimum Scheduled Transfer amount unless we agree otherwise. This
minimum is shown on the Contract Data Pages. If amounts available for transfer
on the date of the Scheduled Transfer are not enough to make the Scheduled
Transfer, that Scheduled Transfer and any future Scheduled Transfers will not
be made with respect to that Segment. Your Guaranteed Income Floor will be
determined based upon Scheduled Transfers made to that date.

Withdrawals and Transfers

You may take a withdrawal or make transfers from the GIS Subaccount(s) at any
time prior to the earlier of the Income Start Date or the Annuity Commencement
Date. Except for the annual Contract charge and any applicable transfer charge,
any rider charge and Contract charge not taken as an asset based charge from
the GIS Subaccount(s) will be treated as withdrawals for purposes of
calculating the Guaranteed Income Floor and Scheduled Transfers made. Once you
take a withdrawal or make a transfer from a Segment, you will not be permitted
to make any additional Scheduled Transfers to that Segment. Your Guaranteed
Income Floor will be adjusted to reflect the amount withdrawn or transferred.
After such withdrawal or transfer, the Scheduled Transfers made will equal
(a) multiplied by (b) divided by (c), where:

     (a) is the Scheduled Transfers made prior to such withdrawal or transfer

     (b) is the GIS Value after such withdrawal or transfer; and

     (c) is the GIS Value before such withdrawal or transfer

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Unless you instruct us otherwise, withdrawals will first be deducted from your
Subaccounts, excluding the GIS Subaccount(s). These deductions will be taken on
a prorata basis. Then withdrawals will be deducted from the amounts that have
been in the Guarantee Account for the longest period of time. Finally,
withdrawals will be deducted from the GIS Subaccount(s) of the Segments
beginning with the Segment that has been in effect for the shortest period of
time.

Transfers from the GIS Subaccount(s) will be administered as described under
the Contract.

Monthly Income

You may elect to receive Monthly Income under this rider or you may elect to
transfer your GIS Value to another Investment Option under your Contract and
receive Income Payments.

On the Income Start Date, we will begin your Monthly Income. The Income Start
Value will be applied to the Monthly Income plan shown on the Contract Data
Pages. The Monthly Income plan's value is received as payments over a specific
period of time. As a result, there is no redeemable value in the GIS
Subaccount(s) once Monthly Income begins. The Monthly Income will be allocated
on a prorata basis to the Investment Options in which assets are then
allocated, excluding the GIS Subaccount(s), unless you choose to have the
Monthly Income paid directly to you. Monthly Income is calculated as of the
first Valuation Day of each Annuity Year. If the first day of the Annuity Year
does not begin on a Valuation Day, payments will be calculated on the next
succeeding Valuation Day. Monthly Income will not vary from month to month
during an Annuity Year.

Your Monthly Income plan is shown on the Contract Data Pages. For purposes of
this rider only, income rates are based on the Annuity 2000 Mortality Table,
using an interest rate of 3.5%. The following tables have annual income rates
per $1,000 for a Life Income with 10 Year Period Certain Plan and a Joint Life
and Survivor Income with 10 Year Period Certain Plan. Under the Life Income
with 10 Year Period Certain plan, if the Annuitant lives longer than 10 years,
Monthly Income will continue for his or her life. Under the Joint Life and
Survivor Income with 10 Year Period Certain plan, if any Annuitants live longer
than 10 years, Monthly Income will continue as long as any Annuitant is living.

              Life Income with 10 Year Period Certain Plan Table

Annual income rates for each $1,000 of Income Start Value less any applicable
premium tax.

  Age*     10 Years Certain Age* 10 Years Certain Age* 10 Years Certain
  ----     ---------------- ---- ---------------- ---- ----------------
   55           52.14        62       59.19        69       69.56
   56           52.99        63       60.44        70       71.38
   57           53.88        64       61.76        71       73.29
   58           54.83        65       63.15        72       75.28
   59           55.83        66       64.63        73       77.36
   60           56.89        67       66.18        74       79.51
   61           58.01        68       67.83        75       81.73
--------
* Age means settlement age. Values for ages not shown will be furnished upon
  request.

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     Joint Life and Survivor Income with 10 Year Period Certain Plan Table

Annual income rates for each $1,000 of Income Start Value less any applicable
  premium tax.

                                             Female Settlement Age
                                         -----------------------------
               Male Settlement Age        55    60    65    70    75
               -------------------       ----- ----- ----- ----- -----
                       55                47.09 48.52 49.73 50.65 51.31
                       60                48.52 50.62 52.54 54.14 55.33
                       65                49.73 52.54 55.39 58.01 60.13
                       70                50.65 54.14 58.01 61.96 65.53
                       75                51.31 55.33 60.13 65.53 70.99

           Values for ages not shown will be furnished upon request.

                            Maximum Age Adjustment

The settlement age(s) is the Annuitant(s)'s age last birthday on the date
Monthly Income begins, 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
                        ---------  -------- -----------
                          2000       2026       5
                          2025       2051       10
                          2050         --       15

The initial Annual Income Amount under the applicable payment plan is
calculated by (a) multiplied by (b), divided by (c), where:

     (a) is the annual income rate per $1,000, for the Monthly Income plan
         shown on the Contract Data Pages, using the settlement age(s) of the
         Annuitant(s) as of the Income Start Date;

     (b) is the Income Start Value less any applicable premium tax; and

     (c) is $1,000.

The Guaranteed Income Floor is equal to (a) multiplied by (b), where:

     (a) is the Scheduled Transfers made into the GIS subaccount(s), adjusted
         for withdrawals and transfers; and

     (b) is the Guaranteed Annual Income Factor shown on the Contract Data
         Pages divided by 12

The initial Monthly Income is the greater of the Level Income Amount and the
Guaranteed Income Floor.

The subsequent Annual Income Amounts under the applicable income plan are
determined by means of Annuity Units. The amount of any subsequent Annual
Income Amount may be greater or less than the initial amount. We guarantee that
each subsequent Annual Income Amount will not be affected by variations in
mortality experience from the mortality assumptions on which the first amount
is based. The number of Annuity Units is determined by dividing the portion of
the initial Annual Income Amount attributable to that Subaccount by the Annuity
Unit value for that Subaccount as of the Income Start Date. The dollar amount
of each subsequent Annual Income Amount is the sum of the amounts from each
Subaccount. The amount is determined by multiplying your number of Annuity
Units in each Subaccount by the Annuity Unit value for that Subaccount as of
the Valuation Day each Annuity Year starts.

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An Adjustment Account is established on the Income Start Date. The value of the
Adjustment Account will be the greater of (a) and (b), where:

     (a) is zero; and

     (b) is 12 multiplied by the Guaranteed Income Floor minus 12 multiplied by
         the initial Level Income Amount.

The actual Monthly Income in subsequent Annuity Years is the greater of (a) and
(b), where:

     (a) is the Subsequent Level Income Amount minus any value in the
         Adjustment Account as of the date of the last Monthly Income was made
         divided by 12; and

     (b) is the Guaranteed Income Floor.

For Monthly Income in subsequent Annuity Years, the value of the Adjustment
Account will be the greater of (a) and (b), where:

     (a) is zero; and

     (b) is the value of the Adjustment Account as of the date that the last
         Monthly Income was made, plus 12 multiplied by the actual subsequent
         Monthly Income, minus 12 multiplied by the subsequent Level Income
         Amount.

On the Income Start Date, if any Monthly Income would be $100 or less, we
reserve the right to reduce the frequency of transfers or payments to an
interval that would result in each amount being at least $100. If the annual
amount is less than $100, we will pay you the Income Start Value and the
Segment will terminate on the Income Start Date.

On the Annuity Commencement Date, no further amount can be added to the GIS
Subaccount(s). On this date, Monthly Income will be included as part of Income
Payments in accordance with your Income Payment plan selected under the
Contract.

Rider Provisions

Death Provisions

The following provisions apply to any and all Segments with regard to the death
of any Annuitant.

Special Distribution Rules when Death Occurs Before Income Start Date and
Annuity Commencement Date

For a surviving spouse who is an Annuitant and Designated Beneficiary, the
following will apply:

(1) Upon notification of death:

     (a) the value of all Subaccounts, excluding the value of the GIS
         Subaccount(s), will be transferred to the Money Market Fund; and

     (b) Scheduled Transfers if due will continue to be made.

(2) On receipt of proof of death and all required forms at our Home Office, but
    only if the surviving spouse elects to continue the Contract:

     (a) the Death Benefit under the Contract will be allocated on a prorata
         basis to the Investment Options in which assets are then allocated;

     (b) all current Segments will continue; and

     (c) the surviving spouse may elect to fund new Segments on a Contract
         monthly anniversary, if then eligible.

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For a surviving spouse, who is the Designated Beneficiary of any portion of the
Contract and not an Annuitant, the following will apply;

     (1) Upon notification of death:

         (a) the value of all Subaccounts, excluding the value of the GIS
             Subaccount(s), will be transferred to the Money Market Fund; and

         (b) all existing Segments will terminate.

     (2) On receipt of proof of death and all required forms at our Home
         Office, but only if the surviving spouse elects to continue the
         Contract:

         (a) we will allocate the Death Benefit under the Contract on a prorata
             basis to the Investment Options in which assets are then
             allocated; and

         (b) the surviving spouse may elect to fund new Segments on a Contract
             monthly anniversary, if then eligible.

Special Distribution Rules when Death Occurs on or After Income Start Date and
Before Annuity Commencement Date

On the Income Start Date, the Death Benefit is reduced prorata by the same
proportion that the Income Start Value is to the total Contract Value.

If any Annuitant dies after the Income Start Date but before the Annuity
Commencement Date, proceeds, in addition to proceeds paid under other
provisions of the Contract, will be paid under this rider, unless the surviving
spouse continues the Contract. The amount of additional proceeds will be the
greater of (a) and (b), where:

         (a) is the commuted value of the remaining period certain of the
             Guaranteed Income Floor; and

         (b) is the commuted value of the remaining period certain of the
             Annual Income Amount.

Commuted values will be calculated at a rate not greater than 1% above the rate
at which the payments and Annuity Units were calculated. We will calculate the
commuted values on the date that we receive proof of death and all required
forms at our Home Office.

For a surviving spouse who is an Annuitant and Desginated Beneficiary, the
following will apply:

     (1) Upon notification of death:

         (a) the value of all Subaccounts, excluding the value of the GIS
             Subaccount(s), will be transferred to the Money Market Fund; and

         (b) Scheduled Transfers if due will continue to be made

     (2) On receipt of proof of death and all required forms at our Home
         Office, but only if the surviving spouse elects to continue the
         Contract:

         (a) the Death Benefit will be allocated on a prorata basis to the
             Investment Options under the contract in which assets are then
             allocated including any rider Segments that are before the Income
             Start Date;

         (b) all current Segments will continue; and

         (c) the surviving spouse may elect to fund new Segments on a Contract
             monthly anniversary, if then eligible.

For a surviving spouse, who is the Designated Beneficiary of any portion of the
Contract and not an Annuitant, the following will apply;

     (1) Upon notification of death:

         (a) the value of the Subaccounts will be transferred to the Money
             Market Fund; and

         (b) all existing Segments not past the Income Start Date will
             terminate.

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     (2) On receipt of proof of death and all required forms at our Home
         Office, but only if the surviving spouse elects to continue the
         Contract:

         (a) the Death Benefit will be allocated on a prorata basis to the
             Investment Options under the Contract in which assets are then
             allocated;

         (b) any Segment past its Income Start Date will continue any remaining
             period certain payments; and

         (c) the surviving spouse may elect to fund new Segments on a Contract
             monthly anniversary, if then eligible.

Rider Charge

There will be a daily asset charge made for this rider. This charge is added to
the Contract's daily asset charge and applied against all amounts in the
Subaccounts. This charge is shown on the Contract Data Pages. There will be no
further rider charge if you elect to receive Income Payments only in a form
other than Monthly Income.

Other Charges

Any rider and Contract charges not taken on a daily basis, will first be
deducted on a prorata basis from all Subaccounts, excluding the GIS
Subaccount(s). If the assets in the Subaccounts are insufficient to cover the
charges, the remaining amount will be deducted from any Guarantee Account.
Deductions from the Guarantee Account will be taken first from the amounts that
have been in the Guarantee Account for the longest period of time. Finally, any
remaining charges will be deducted from the GIS Subaccount(s) of the Segments
beginning with the Segment that has been in effect for the shortest period of
time and that has not reached its Income Start Date. Except for the annual
Contract charge and any applicable transfer charge, any rider charge and
Contract charge not taken as an asset based charge from the GIS Subaccount(s)
will be treated as withdrawals for purposes of calculating the Guaranteed
Income Floor and Scheduled Transfers made.

When this Rider is Effective

The effective dates of this rider and each Segment are shown on the Contract
Data Pages.

Termination of Rider

This rider will terminate on the Contract anniversary following the first date
that there are no Segments, unless you are eligible to add a Segment on that
date.

Change of Ownership

On the date that the Contract is assigned or sold, unless under an involuntary
assignment effected by legal process, all amounts in the GIS Subaccount(s) will
be transferred to the Money Market Fund.

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

General Provisions

For purposes of this rider:

       A non-natural entity Owner must name an Annuitant and may name a Joint
       Annuitant.

       An individual Owner must also be an Annuitant.

       If there is only one Owner, that Owner may name his or her spouse as a
       Joint Annuitant.

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For Genworth Life and Annuity Insurance Company,

                             /s/ Pamela S. Schutz
                           -------------------------
                                   President

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