Exhibit 12

Genworth Life and Annuity Insurance Company

Statement Of Ratio Of Earnings To Fixed Charges

(Dollar amounts in millions)



|                                                                                                 |  |                          |       |      |   |       |  |      |       |      |   |        |  |   |      
|------------------------------------------------------------------------------------------------ |  | ------------------------ | ----- | ---- | - | ----- |  | ---- | ----- | ---- | - | ------ |  | - | -----
|                                                                                                 |  | Years ended December 31,
|                                                                                                 |  | 2005                     |       | 2004 |   | 2003  |  | 2002 |       | 2001
|Net earnings from continuing operations before income taxes and accounting changes               |  | $                        | 54.8  |      | $ | 55.4  |  | $    | 16.6  |      | $ | 158.7  |  | $ | 199.7
|Fixed charges:                                                                                   |  |                          |       |      |   |       |  |      |       |      |   |        |  |   |      
|Interest expense                                                                                 |  |                          | 0.2   |      |   | 0.1   |  |      | 0.1   |      |   | 0.1    |  |   | 2.2  
|Interest portion of rental expense                                                               |  |                          | 1.1   |      |   | 0.5   |  |      | 1.0   |      |   | 1.0    |  |   | 1.8  
|Interest credited to investment contractholders                                                  |  |                          | 269.1 |      |   | 291.2 |  |      | 410.6 |      |   | 462.1  |  |   | 533.8
|                                                                                                 |  |                          |       |      |   |       |  |      |       |      |   |        |  |   |      
|Total fixed charges                                                                              |  |                          | 270.4 |      |   | 291.8 |  |      | 411.7 |      |   | 463.2  |  |   | 537.8
|                                                                                                 |  |                          |       |      |   |       |  |      |       |      |   |        |  |   |      
|Earnings available for fixed charges (including interest credited to investment contractholders) |  | $                        | 325.2 |      | $ | 347.2 |  | $    | 428.3 |      | $ | 621.9  |  | $ | 737.5
|                                                                                                 |  |                          |       |      |   |       |  |      |       |      |   |        |  |   |      
|Earnings available for fixed charges (excluding interest credited to investment contractholders) |  | $                        | 56.1  |      | $ | 56.0  |  | $    | 17.7  |      | $ | 159.8  |  | $ | 203.7
|                                                                                                 |  |                          |       |      |   |       |  |      |       |      |   |        |  |   |      
|Ratio of earnings to fixed charges (including interest credited to investment contractholders)   |  |                          | 1.20  |      |   | 1.19  |  |      | 1.04  |      |   | 1.34   |  |   | 1.37 
|Ratio of earnings to fixed charges (excluding interest credited to investment contractholders)   |  |                          | 43.15 |      |   | 93.33 |  |      | 16.09 |      |   | 145.27 |  |   | 50.93