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

General Features

This rider provides for a guaranteed minimum withdrawal benefit for the life of
the Annuitant(s) and an additional death benefit. The Withdrawal Base, Roll-Up
Value and Principal Protection Death Benefit on the Contract Date are equal to
the initial Purchase Payment. The Benefit Base is used to calculate the
guaranteed minimum withdrawal benefit. The Benefit Base does not impact the
Contract Value, Surrender Value, Death Benefit or Income Payment under the
Contract. Gross Withdrawals taken under this rider reduce the Contract Value by
the amount of the Gross Withdrawal. This rider is only available for
Annuitant(s) [age 45 through age 85] at the time the Contract is issued or when
an Annuitant is added to the Contract. There are two charges for this rider.
One charge is calculated [quarterly] as a percentage of the Benefit Base and
deducted [quarterly] from the Contract Value. Another charge is calculated
[quarterly] as a percentage of the value of the Principle Protection Death
Benefit and deducted [quarterly] from the Contract Value.

In order to obtain the full benefit described in this rider, your withdrawals
must be limited. You must allocate Contract Value to the prescribed Investment
Strategy. You may terminate this rider apart from the Contract on any Contract
anniversary on or after the [5/th/] Contract anniversary (see When this Rider
is Effective on page 7).

The Benefit Base and the Withdrawal Factor are used to determine the Withdrawal
Limit. Any additional Purchase Payment will be applied to the Withdrawal Base
and may be applied to the Roll-Up Value on the Valuation Day the additional
Purchase Payment is received (see Roll-Up Value and Purchase Payments on page
4). You may reset your Withdrawal Base to the Contract Value subject to the
terms and requirements described below (see Reset on page 4).

The Withdrawal Limit is the total amount that you may withdraw in a Benefit
Year without reducing the guaranteed minimum withdrawal benefit provided under
this rider. The Withdrawal Limit equals the Benefit Base multiplied by the
Withdrawal Factor (see Guaranteed Minimum Withdrawal Benefit on page 3). The
Withdrawal Factor is established based on the age of the younger Annuitant on
the earlier of the Valuation Day of the first Gross Withdrawal and the
Valuation Day when the Contract Value is reduced to [$100]. If a Gross
Withdrawal plus all prior Gross Withdrawals in a Benefit Year is in excess of
the Withdrawal Limit, your Withdrawal Base, Principal Protection Death Benefit
and Roll-Up Value are reduced (see Excess Withdrawals on page 5).

The Roll-Up Value is an amount used to calculate the Withdrawal Limit. The
Roll-Up Value may be adjusted based on the daily roll-up factor. On each
Contract anniversary, if the Withdrawal Base is greater than the current
Roll-Up Value, the Roll-Up Value will be increased to the Withdrawal Base. The
Roll-Up Value will continue to increase until the date of the first withdrawal
or the later of the [10/th/] anniversary of the Contract Date and the date the
older Annuitant turns age [65]. The Roll-Up Value will not increase after this
date.

On any Valuation Day you make a Gross Withdrawal, if that Gross Withdrawal plus
all prior Gross Withdrawals in a Benefit Year is in excess of the Withdrawal
Limit, your Roll-Up Value will be reduced to zero. After this date, additional
Purchase Payments will not increase the Roll-Up Value. The Roll-Up Value will
not increase after this date.

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Subsequent Purchase Payment(s) applied to your Contract generally will adjust
your Withdrawal Base and Principal Protection Death Benefit, and may adjust
your Roll-Up Value as described in the Roll-Up Value section. We reserve the
right not to adjust the Withdrawal Base, the Principal Protection Death Benefit
and/or the Roll-Up Value for any additional Purchase Payment(s) in order to
control future risks under this rider. If we decide not to make adjustments, we
will notify you [45] days prior to enacting this restriction.

We will reset your Withdrawal Base to your Contract Value [on an annual
anniversary of the Contract Date] when your Contract Value is higher than the
Withdrawal Base. If this day is not a Valuation Day, the reset will occur on
the next Valuation Day. On the Valuation Day we reset your benefit, we will
reset the Investment Strategy to the current Investment Strategy and reset the
charges for this rider. The new charges, which may be higher than your previous
charges, will never exceed the maximum aggregate rider charge of 2.50%. The
reset date must be at least [12 months] after the later of the Contract Date
and the last reset date. Resets will occur automatically unless such automatic
resets are or have been terminated.

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

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

    (b)is the Principal Protection Death Benefit; and

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

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

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

Terms and Procedures

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

Benefit Base - On each Valuation Day, the Benefit Base is the greatest of the
Contract Value on the prior Contract anniversary, the Withdrawal Base and the
Roll-Up Value.

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

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

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

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

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

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

Withdrawal Base - An amount used to establish the Withdrawal Limit. The
Withdrawal Base on the Contract Date is equal to the initial Purchase Payment.
The Withdrawal Base is only used to determine benefits under this rider. The
Withdrawal Base is not the Contract Value.

Withdrawal Factor - The percentage shown on the Contract Data Pages used to
establish the Withdrawal Limit. The Withdrawal Factor is based on the age of
the younger Annuitant on the earlier of the Valuation Day of the first Gross
Withdrawal and the Valuation Day when the Contract Value is reduced to [$100].

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

Investment Strategy

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

Reallocations

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

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

Allocations outside of the Investment Strategy are not allowed.

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

Guaranteed Minimum Withdrawal Benefit

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

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Withdrawal Limit

The Withdrawal Limit is calculated on each Valuation Day. The Withdrawal Limit
equals the Benefit Base multiplied by the Withdrawal Factor.

The Withdrawal Factor is established based on the age of the younger Annuitant
on the earlier of the Valuation Day of the first Gross Withdrawal and the
Valuation Day when the Contract Value is reduced to [$100]. The Withdrawal
Factor percentages are shown on the Contract Data Pages.

Withdrawal Base

An amount used to establish the Withdrawal Limit. The Withdrawal Base on the
Contract Date is equal to the initial Purchase Payment. The Withdrawal Base may
change as a result of a Purchase Payment, withdrawal, or reset as described
below.

Roll-Up Value

The initial Roll-Up Value equals the initial Purchase Payment(s). We will
increase your Roll-Up Value on each day. The new Roll-Up Value is equal to the
sum of (a) and (b), multiplied by (c), where:

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

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

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

On each Contract anniversary, if the Withdrawal Base is greater than the
current Roll-Up Value, the Roll-Up Value will be increased to the Withdrawal
Base. The Roll-Up Value will continue to increase until the date of the first
withdrawal or the later of the [10/th/] anniversary of the Contract Date and
the date the older Annuitant turns age [65]. The Roll-Up Value will not
increase after this date.

On any Valuation Day you make a Gross Withdrawal, if that Gross Withdrawal plus
all prior Gross Withdrawals in a Benefit Year is in excess of the Withdrawal
Limit, your Roll-Up Value will be reduced to zero. The Roll-Up Value will not
increase after this date.

Purchase Payments

Any Purchase Payment applied to your Contract will adjust your Withdrawal Base
and Principal Protection Death Benefit, and may adjust your Roll-Up Value as
described in the Roll-Up Value section above. You must allocate all assets to
the prescribed Investment Strategy.

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

Reset of the Benefit

We will reset your Withdrawal Base to your Contract Value [on an annual
anniversary of the Contract Date] when your Contract Value is higher than the
Withdrawal Base. If this day is not a Valuation Day, the reset will occur on
the next Valuation Day. On the Valuation Day we reset your benefit, we will
reset the Investment Strategy to the current Investment Strategy and reset the
charges for this rider. The new charges, which may be higher than your previous
charges, will never exceed the maximum aggregate rider charge of 2.50%. The
reset date must be at least [12 months] after the later of the Contract Date
and the last reset date.

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

Automatic resets will continue until and unless:

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

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

    (c)the Annuity Commencement Date is reached; or

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

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

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

Excess Withdrawals

If a Gross Withdrawal plus all prior Gross Withdrawals in a Benefit Year is in
excess of the Withdrawal Limit, your Withdrawal Base, Principal Protection
Death Benefit and Roll-Up Value are reduced.

The new Withdrawal Base equals the lesser of (a) and (b), where:

    (a)is the Contract Value on the Valuation Day after the Gross Withdrawal;
       and

    (b)is the prior Withdrawal Base minus the Gross Withdrawal.

The new Principal Protection Death Benefit will equal the lesser of (a) and
(b), where:

    (a)is the Contract Value on the Valuation Day after the Gross Withdrawal;
       and

    (b)is the prior Principal Protection Death Benefit minus the Gross
       Withdrawal.

The new Roll-Up Value will be zero. Additional Purchase Payments will not
increase the Roll-Up Value.

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

Required Minimum Distributions

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

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Reduction in Contract Value

After taking a withdrawal, your Contract Value may be less than the amount
required to keep your Contract in effect. In this event, or if your Contract
Value is reduced to [$100], the following will occur:

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

          (a) the Contract Value;

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

          (c) the Principal Protection Death Benefit.

    .  If the Withdrawal Limit is greater than [$100], we will begin Income
       Payments. We will make payments of a fixed amount for the life of the
       Annuitant or, if there are Joint Annuitants, the last surviving
       Annuitant. The fixed amount payable annually will equal the most
       recently calculated Withdrawal Limit. We will make payments monthly
       unless agreed otherwise. If the monthly amount is less than [$100], we
       will reduce the frequency, to no less than annual, so that the payment
       will be at least [$100]. The Principal Protection Death Benefit will
       continue under this provision. The Principal Protection Death Benefit
       will be reduced by each payment. The Principal Protection Death Benefit,
       if any, will be payable on the last death of an Annuitant.

Principal Protection Death Benefit

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

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

Gross Withdrawals in a Benefit Year decrease the Principal Protection Death
Benefit. If a Gross Withdrawal plus all prior Gross Withdrawals in a Benefit
Year is less than or equal to the Withdrawal Limit, the Principal Protection
Death Benefit will be reduced by the Gross Withdrawal. If a Gross Withdrawal
plus all prior Gross Withdrawals in a Benefit Year is in excess of the
Withdrawal Limit, your Principal Protection Death Benefit will equal the lesser
of (a) and (b), where:

    (a)is the Contract Value on the Valuation Day after the Gross Withdrawal;
       and

    (b)is the prior Principal Protection Death Benefit minus the Gross
       Withdrawal.

Death Provisions

At the death of the last Annuitant, a Death Benefit may be payable under this
Contract and rider. The amount of any Death Benefit payable will be the
greatest of (a), (b) and (c), where:

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

    (b)is the Principal Protection Death Benefit; and

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

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

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

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

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

Rider Charge

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

When this Rider is Effective

The rider becomes effective on the Contract Date. It will remain in effect
while this Contract is in force and before the Annuity Commencement Date. You
may terminate this rider apart from the Contract on any Contract anniversary on
or after the [5/th/] Contract anniversary. Otherwise this rider and the
corresponding charges will terminate on the Annuity Commencement Date.

Change of Ownership

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

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General Provisions

For purposes of this rider:

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

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

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

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

For Genworth Life Insurance Company of New York,

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

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