Exhibit 12

Genworth Life and Annuity Insurance Company

Statement of Ratio of Income to Fixed Charges

(Dollar amounts in millions)



|                                                                                               |  |                          |         |      |   |         |  |      |       |      |   |       |  |   |        
|---------------------------------------------------------------------------------------------- |  | ------------------------ | ------- | ---- | - | ------- |  | ---- | ----- | ---- | - | ----- |  | - | -------
|                                                                                               |  | Years ended December 31,
|                                                                                               |  | 2007                     |         | 2006 |   | 2005    |  | 2004 |       | 2003
|Net income before income taxes and equity in net income of subsidiary                          |  | $                        | 405.9   |      | $ | 548.0   |  | $    | 418.5 |      | $ | 367.3 |  | $ | 242.6  
|Fixed charges:                                                                                 |  |                          |         |      |   |         |  |      |       |      |   |       |  |   |        
|Interest expense(1)                                                                            |  |                          | 205.1   |      |   | 134.0   |  |      | 48.7  |      |   | 24.5  |  |   | 43.5   
|Interest portion of rental expense                                                             |  |                          | 3.5     |      |   | 2.9     |  |      | 2.6   |      |   | 2.5   |  |   | 2.7    
|                                                                                               |  |                          |         |      |   |         |  |      |       |      |   |       |  |   |        
|Subtotal                                                                                       |  |                          | 208.6   |      |   | 136.9   |  |      | 51.3  |      |   | 27.0  |  |   | 46.2   
|Interest credited to investment contractholders                                                |  |                          | 541.3   |      |   | 496.7   |  |      | 456.0 |      |   | 487.0 |  |   | 742.5  
|                                                                                               |  |                          |         |      |   |         |  |      |       |      |   |       |  |   |        
|Total fixed charges                                                                            |  |                          | 749.9   |      |   | 633.6   |  |      | 507.3 |      |   | 514.0 |  |   | 788.7  
|                                                                                               |  |                          |         |      |   |         |  |      |       |      |   |       |  |   |        
|Income available for fixed charges (including interest credited to investment contractholders) |  | $                        | 1,155.8 |      | $ | 1,181.6 |  | $    | 925.8 |      | $ | 881.3 |  | $ | 1,031.3
|                                                                                               |  |                          |         |      |   |         |  |      |       |      |   |       |  |   |        
|Income available for fixed charges (excluding interest credited to investment contractholders) |  | $                        | 614.5   |      | $ | 684.9   |  | $    | 469.8 |      | $ | 394.3 |  | $ | 288.8  
|                                                                                               |  |                          |         |      |   |         |  |      |       |      |   |       |  |   |        
|Ratio of income to fixed charges (including interest credited to investment contractholders)   |  |                          | 1.54    |      |   | 1.87    |  |      | 1.82  |      |   | 1.71  |  |   | 1.31   
|Ratio of income to fixed charges (excluding interest credited to investment contractholders)   |  |                          | 2.95    |      |   | 5.00    |  |      | 9.17  |      |   | 14.61 |  |   | 6.25   



|(1) | Interest expense primarily relates to interest on our non-recourse funding
obligations as further described in note 11 of our consolidated financial statements in Item 8Financial Statements and Supplementary Data.
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