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                                                             Exhibit (4)(b)(ivx)

                     GE LIFE AND ANNUITY ASSURANCE COMPANY
                     OPTIONAL ENHANCED DEATH BENEFIT RIDER
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This rider provides for an optional enhanced death benefit which is added to the
Death Benefit payable under your Contract or Policy.  For the purposes of this
rider, the term Contract Value will also refer to Account Value, if that term is
used in your Contract or Policy.

Enhanced Death Benefit

Enhanced death benefit if the Annuitant is, or both the Annuitant and Joint
Annuitant are, age 70 or younger at issue: The enhanced death benefit is equal
to 40% of (a) minus (b), where:
     (a)  is the Contract Value as of the date of receipt of due proof of death;
          and
     (b)  is the sum of premiums paid and not previously withdrawn or partially
          surrendered.

The enhanced death benefit cannot exceed 70% of premiums paid as adjusted for
withdrawals or partial surrenders.  Premiums, other than the initial premium,
paid within 12 months of death are not included in this calculation.  The
enhanced death benefit will never be less than zero.

Enhanced death benefit if the Annuitant, or the Joint Annuitant if applicable,
is older than age 70 at  issue:  The enhanced death benefit is equal to 25% of
(a) minus (b), where:
     (a) is the Contract Value as of the date of receipt of due proof of death;
         and
     (b) is the sum of premiums paid and not previously withdrawn or partially
         surrendered.

The enhanced death benefit cannot exceed 40% of premiums paid as adjusted for
withdrawals or partial surrenders.  Premiums, other than the initial premium,
paid within 12 months of death are not included in this calculation.  The
enhanced death benefit will never be less than zero.

Under both age scenarios listed above, withdrawals or partial surrenders are
taken first from gain and then from premiums made.  For purposes of this rider,
gain is calculated as (a) plus (b) minus (c) minus (d), but not less than zero
where:
     (a)  is the Contract Value on the date we receive your withdrawal or
          surrender request;
     (b)  is the total of any withdrawals or partial surrenders, excluding
          surrender charges, previously taken;
     (c)  is the total of premiums paid; and
     (d)  is the total of any gain previously withdrawn or partially
          surrendered.

When Enhanced Death Benefit is Calculated at Death of Annuitant or Any Joint
Annuitant:   The enhanced death benefit is calculated on the date that we
receive due proof of death at our Home Office.  Until we receive complete
written settlement instructions satisfactory to us from the beneficiary, the
calculated enhanced death benefit will remain allocated to the various
Investment Options according to your last instructions.  Therefore, the enhanced
death benefit will fluctuate with the performance of the underlying Investment
Options.

Annual Enhanced Death Benefit Charge

There will be a charge made for this rider while it is in effect.  This charge
is made in arrears at the beginning of each Contract or Policy year after the
first and at surrender.  The charge is made against the average of the Contract
Value at surrender.  This charge will be deducted proportionally from the
Subaccounts or Investment Subdivisions in which you are invested. The maximum
annual charge will
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be the rate shown on the Contract or Policy data pages times the average
Contract Value, as described above.

The actual charge will never be greater than the maximum annual charge.  The
charge at surrender will be a prorata portion of the annual charge.

If the Contract Value in the Separate Account is insufficient to cover the
annual death benefit charge, then the deduction will be made first from the
Contract Value in the Separate Account.  The excess of the charges over the
Contract Value in the Separate Account will then be deducted from the Contract
Value in the Guarantee Account.  Deductions from the Guarantee Account will be
taken first from the amounts which have been in the Guarantee Account for the
longest period of time.

When this Rider is Effective

This rider becomes effective on the Contract Date or Policy Date.  It will
remain in effect while this Contract or Policy is in force and before Income
Payments begin.  This rider cannot otherwise be terminated.

For GE Life and Annuity Assurance Company,

                                Pamela S. Schutz
                                   President<PAGE>

                                                                 Exhibit (10)(i)

     STEPHEN E. ROTH
DIRECT LINE: (202) 383-0158
Internet: sroth@sablaw.com

                                April 26, 2001

Board of Directors
GE Life and Annuity Assurance Company
6610 West Broad Street
Richmond, Va 23230

          Re   GE Life & Annuity Separate Account 4
               ------------------------------------

Ladies and Gentlemen:

          We hereby consent to the reference to our name under the caption
"Legal Matters" in the Statement of Additional Information filed as part of
Post-Effective Amendment No. 22 to the Registration Statement on Form N-4 filed
by GE Life & Annuity Separate Account 4 for certain flexible premium variable
deferred annuity contracts (File No. 33-76334). In giving this consent, we do
not admit that we are in the category of persons whose consent is required under
Section 7 of the Securities Act of 1933.

                              Very truly yours,

                              SUTHERLAND ASBILL & BRENNAN LLP

                              By:  /s/ Stephen E. Roth
                                  --------------------------
                                      Stephen E. Roth<PAGE>

                                                                  Exhibit 10(ii)

                        Consent of Independent Auditors

The Board of Directors
GE Life and Annuity Assurance Company
  and
Contractholders
GE Life & Annuity Separate Account 4:

We consent to the use of our reports included herein and to the reference to our
firm under the heading "Experts" in the Statement of Additional Information.

Our report on the consolidated financial statements of GE Life and Annuity
Assurance Company and subsidiary dated January 22, 2001, contains an explanatory
paragraph that states the Company changed its method of accounting for
insurance-related assessments in 1999.

                                            /s/ KPMG LLP

Richmond, VA
April 19, 2001<PAGE>

                                                                  Exhibit 10(i)

      STEPHEN E. ROTH
DIRECT LINE: (202) 383-0158
 Internet: sroth@sablaw.com

                                April 26, 2001

Board of Directors
GE Capital Life Assurance
 Company of New York
125 Park Avenue, 6th Floor
New York, NY 10017-5529

          Re   GE Capital Life Separate Account II
               -----------------------------------

Ladies and Gentlemen:

          We hereby consent to the reference to our name under the caption
"Legal Matters" in the Statement of Additional Information filed as part of
Post-Effective Amendment No. 4 to the Registration Statement on Form N-4 filed
by GE Capital Life Separate Account II for certain flexible premium variable
deferred annuity contracts (File No. 333-39955).  In giving this consent, we do
not admit that we are in the category of persons whose consent is required under
Section 7 of the Securities Act of 1933.

                              Very truly yours,

                              SUTHERLAND ASBILL & BRENNAN LLP

                              By: /s/ Stephen E. Roth
                                 -----------------------------
                                  Stephen E. Roth<PAGE>

                                                                Exhibit 10(ii)

                        Consent of Independent Auditors

The Board of Directors
GE Capital Life Assurance Company of New York
     and
Contractholders
GE Capital Life Separate Account II

We consent to the use of our reports included herein and to the reference
to our firm under the heading "Experts" in the Statement of Additional
Information.

                                                /s/ KPMG LLP

Richmond, VA
April 19, 2001<PAGE>

                                                                   EXHIBIT 10(a)

     STEPHEN E. ROTH
DIRECT LINE: (202) 383-0158
Internet: sroth@sablaw.com

                                April 26, 2001

Board of Directors
GE Capital Life Assurance
 Company of New York
125 Park Avenue, 6th Floor
New York, NY 10017-5529

          Re   GE Capital Life Separate Account II
               -----------------------------------

Ladies and Gentlemen:

          We hereby consent to the reference to our name under the caption
"Legal Matters" in the Statement of Additional Information filed as part of
Post-Effective Amendment No. 1 to the Registration Statement on Form N-4 filed
by GE Capital Life Separate Account II for certain flexible premium variable
deferred annuity contracts (File No. 333-47016).  In giving this consent, we do
not admit that we are in the category of persons whose consent is required under
Section 7 of the Securities Act of 1933.

                              Very truly yours,

                              SUTHERLAND ASBILL & BRENNAN LLP

                              By: /s/ Stephen E. Roth
                                  --------------------------------
                                      Stephen E. Roth<PAGE>

                                                              Exhibit (10)(ii)

                        Consent of Independent Auditors

The Board of Directors
GE Capital Life Assurance Company of New York
  and
Contractholders
GE Capital Life Separate Account II:

We consent to the use of our report included herein and to the reference to our
firm under the heading "Experts" in the Statement of Additional Information.

Richmond, VA
April 19, 2001
                                                        /s/ KPMG LLP

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