Document:

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                  GENWORTH LIFE AND ANNUITY INSURANCE COMPANY
             GUARANTEED MINIMUM WITHDRAWAL BENEFIT FOR LIFE RIDER

This rider is added to the Contract. It provides for a guaranteed minimum
withdrawal benefit for the life of the Annuitant(s) as described below. 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 [5th] Contract anniversary.

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

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Gross Withdrawal - An amount withdrawn from Contract Value including any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.

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.

Withdrawal Base - An amount used to establish the Withdrawal Limit. The
Withdrawal Base on the Contract Date is equal to the initial Purchase Payment.

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.

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.

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

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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.

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.

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 your 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 [10th] 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 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, and/or the Roll-Up
Value for any additional Purchase Payments.

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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 rider charge as shown on the Contract
Data Pages. 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 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.

Withdrawals

If a Gross Withdrawal plus all prior Gross Withdrawals in a Benefit Year is in
excess of the Withdrawal Limit, your Withdrawal Base 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 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; and

         (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%].

    .  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 so that the payment will be at least [$100].

Death Provisions

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

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

     (b) 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.

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 [Home Office] 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 [Home
Office], 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
charge will terminate.

Rider Charge

A charge will be assessed for the guaranteed minimum withdrawal 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 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

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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
charge as shown on the Contract Data Pages. 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 5th Contract anniversary. Otherwise this rider and the
corresponding charges will terminate on the Annuity Commencement Date.

Change of Ownership

We must approve any assignment or sale of this Contract unless under a court
ordered assignment.

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, subject to our approval.

For Genworth Life and Annuity Insurance Company,

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

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                  GENWORTH LIFE AND ANNUITY INSURANCE COMPANY
             GUARANTEED MINIMUM WITHDRAWAL BENEFIT FOR LIFE RIDER

This rider is added to the Contract. It provides for a guaranteed minimum
withdrawal benefit for the life of the Annuitant(s) as described below. 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 [5th] Contract anniversary.

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

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.

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.

Withdrawal Base - An amount used to establish the Withdrawal Limit. The
Withdrawal Base on the Contract Date is equal to the initial Purchase Payment.

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.

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.

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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.

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.

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 your 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 [10th] 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.

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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 as shown on the
Contract Data Pages. 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 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.

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.

P5362DB 09/07                       3

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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.

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 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.

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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.

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 [Home Office] 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 [Home
Office], 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 as shown on the
Contract Data Pages. 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 5th Contract anniversary. Otherwise this rider and the
corresponding charges will terminate on the Annuity Commencement Date.

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Change of Ownership

We must approve any assignment or sale of this Contract unless under a court
ordered assignment.

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, subject to our approval.

For Genworth Life and Annuity Insurance Company,

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

P5362DB 09/07                       6<PAGE>

                  GENWORTH LIFE AND ANNUITY INSURANCE COMPANY
             GUARANTEED MINIMUM WITHDRAWAL BENEFIT FOR LIFE RIDER

This rider is added to the Policy. It provides for a guaranteed minimum
withdrawal benefit for the life of the Annuitant(s) as described below. In
order to obtain the full benefit described in this rider, your partial
surrenders must be limited. You must allocate Account Value to the prescribed
Investment Strategy. You may terminate this rider apart from the Policy on any
Policy anniversary on or after the [5th] Policy anniversary.

All rider terms will have the same meaning as under the Policy, unless
otherwise provided.

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

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

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

Designated Investment Subdivisions - The Designated Investment Subdivisions
shown on the Policy Data Pages.

Gross Withdrawal - An amount partially surrendered from Account Value including
any surrender charge, any taxes withheld and any applicable premium taxes.

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

Roll-Up Value - An amount used to calculate the Withdrawal Limit. The Roll-Up
Value on the Policy Date is equal to the initial Purchase Payment.

Withdrawal Base - An amount used to establish the Withdrawal Limit. The
Withdrawal Base on the Policy Date is equal to the initial Purchase Payment.

Withdrawal Factor - The percentage shown on the Policy 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 Account Value is reduced to [$100].

Withdrawal Limit - The total amount you may partially surrender in a Benefit
Year without reducing the guaranteed minimum withdrawal benefit provided under
this rider.

Investment Strategy

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

On a monthly basis, we will rebalance Account Value to the Investment
Subdivisions in accordance with the percentages allocated. In addition, on any
Valuation Day after any

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transaction involving a partial surrender, receipt of a Purchase Payment or a
transfer of Account Value, we will rebalance Account Value to the Investment
Subdivisions in accordance with the percentages allocated, unless you instruct
us otherwise. Your allocation instructions must always comply with the
Investment Strategy.

The Guarantee Account, if any, under the Policy 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.

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 Account Value is reduced to [$100]. The Withdrawal
Factor percentages are shown on the Policy Data Pages.

Withdrawal Base

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

Roll-Up Value

The initial Roll-Up Value equals your 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 Policy Data Pages.

On each Policy 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 partial
surrender or the later of the [10th] anniversary of the Policy 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 Policy will adjust your Withdrawal Base
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.

P5363 09/07                         2

<PAGE>

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

Reset of the Benefit

We will reset your Withdrawal Base to your Account Value [on an annual
anniversary of the Policy Date] when your Account 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 rider charge as shown on the Policy Data
Pages. The reset date must be at least [12 months] after the later of the
Policy Date and the last reset date.

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 Policy anniversary
       date);

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

   (c) the Maturity Date is reached; or

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

If automatic resets have terminated, you may later reinstate automatic resets
for any future Policy anniversary by submitting a written request to do so;
provided you are following the Investment Strategy and you have not reached the
Maturity 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 Policy anniversary date.
Upon reset, these changes will apply. The reset provision will end if, on the
Policy anniversary, any Annuitant is older than the maximum reset age as shown
on the Policy Data Pages.

Withdrawals

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

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

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

   (b) is the prior Withdrawal Base 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 Policy.

P5363 09/07                         3

<PAGE>

Reduction in Account Value

After taking a partial surrender, your Account Value may be less than the
amount required to keep your Policy in effect. In this event, or if your
Account 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 Account Value; and

         (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%].

    .  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 so that the payment will be at least [$100].

Death Provisions

At the death of the last Annuitant, a Death Benefit may be payable under the
Policy. The amount of any Death Benefit payable will be the greater of (a) and
(b), where:

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

   (b) 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 Policy.

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 Policy 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 [Home Office] 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 Policy as the Owner, this rider will continue. The
Withdrawal Base and Roll-Up Value will be the same as it was under the Policy
for the deceased Owner. If no partial surrenders were taken prior to the first
Valuation Day we receive due proof of death and all required forms at our [Home
Office], 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 Policy for the deceased Owner.

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

Rider Charge

A charge will be assessed for the guaranteed minimum withdrawal benefit. The
charge for the guaranteed minimum withdrawal benefit is calculated [quarterly]
as a percentage of the Benefit Base and deducted [quarterly] from the Account
Value. The charges are shown on the Policy Data Pages. We may apply different
charges for the rider for a Policy that is a single Annuitant

P5363 09/07                         4

<PAGE>

policy and a Policy that is a Joint Annuitant policy. Once a Policy is a Joint
Annuitant policy 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 Policy is issued, new charges may apply.
These new charges may be higher than the charges previously applied to your
Policy. The charges for this rider will never exceed the maximum charge as
shown on the Policy Data Pages. On the day the rider and/or the Policy
terminates, the charges for this rider will be calculated, prorata, and
deducted.

When this Rider is Effective

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

Change of Ownership

We must approve any assignment or sale of this Policy unless under a court
ordered assignment.

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, subject to our approval.

For Genworth Life and Annuity Insurance Company,

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

P5363 09/07                         5

<PAGE>

                  GENWORTH LIFE AND ANNUITY INSURANCE COMPANY
             GUARANTEED MINIMUM WITHDRAWAL BENEFIT FOR LIFE RIDER

This rider is added to the Policy. It provides for a guaranteed minimum
withdrawal benefit for the life of the Annuitant(s) as described below. In
order to obtain the full benefit described in this rider, your partial
surrenders must be limited. You must allocate Account Value to the prescribed
Investment Strategy. You may terminate this rider apart from the Policy on any
Policy anniversary on or after the [5th] Policy anniversary.

All rider terms will have the same meaning as under the Policy, unless
otherwise provided.

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

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

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

Designated Investment Subdivisions - The Designated Investment Subdivisions
shown on the Contract Data Pages.

Gross Withdrawal - An amount partially surrendered from Account Value including
any surrender charge, any taxes withheld and any applicable premium taxes.

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

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

Roll-Up Value - An amount used to calculate the Withdrawal Limit. The Roll-Up
Value on the Policy Date is equal to the initial Purchase Payment.

Withdrawal Base - An amount used to establish the Withdrawal Limit. The
Withdrawal Base on the Policy Date is equal to the initial Purchase Payment.

Withdrawal Factor - The percentage shown on the Policy 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 Account Value is reduced to [$100].

Withdrawal Limit - The total amount you may partially surrender in a Benefit
Year without reducing the guaranteed minimum withdrawal benefit provided under
this rider.

Investment Strategy

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

P5363DB 09/07                       1

<PAGE>

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

The Guarantee Account, if any, under the Policy 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.

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 Account Value is reduced to [$100]. The Withdrawal
Factor percentages are shown on the Policy Data Pages.

Withdrawal Base

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

Roll-Up Value

The initial Roll-Up Value equals your 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 Policy Data Pages.

On each Policy 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 partial
surrender or the later of the [10th] anniversary of the Policy 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.

P5363DB 09/07                       2

<PAGE>

Purchase Payments

Any Purchase Payment applied to your Policy 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 Account Value [on an annual
anniversary of the Policy Date] when your Account 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 as shown on the
Policy Data Pages. The reset date must be at least [12 months] after the later
of the Policy Date and the last reset date.

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 Policy anniversary
       date);

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

   (c) the Maturity Date is reached; or

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

If automatic resets have terminated, you may later reinstate automatic resets
for any future Policy anniversary by submitting a written request to do so;
provided you are following the Investment Strategy and you have not reached the
Maturity 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 Policy anniversary date.
Upon reset, these changes will apply. The reset provision will end if, on the
Policy anniversary, any Annuitant is older than the maximum reset age as shown
on the Policy Data Pages.

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 Account 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 Account Value on the Valuation Day after the Gross Withdrawal; and

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

P5363DB 09/07                       3

<PAGE>

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 Policy.

Reduction in Account Value

After taking a partial surrender, your Account Value may be less than the
amount required to keep your Policy in effect. In this event, or if your
Account 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 Account 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 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 Policy and rider as described in the Death
Provisions section below.

The Principal Protection Death Benefit on the Policy 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 Account Value on the Valuation Day after the Gross Withdrawal; and

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

P5363DB 09/07                       4

<PAGE>

Death Provisions

At the death of the last Annuitant, a Death Benefit may be payable under this
Policy 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 Policy;

   (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 Policy.

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 Policy 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 [Home Office] 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 Policy as the Owner, this rider will continue. The
Withdrawal Base and Roll-Up Value will be the same as it was under the Policy
for the deceased Owner. If no partial surrenders were taken prior to the first
Valuation Day we receive due proof of death and all required forms at our [Home
Office], 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 Policy 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 Account
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 Account Value. The charges are shown
on the Policy Data Pages. We may apply different charges for the rider for a
Policy that is a single Annuitant policy and a Policy that is a Joint Annuitant
policy. Once a Policy is a Joint Annuitant policy 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 Policy is
issued, new charges may apply. These new charges may be higher than the charges
previously applied to your Policy. The charges for this rider will never exceed
the maximum aggregate charge as shown on the Policy Data Pages. On the day the
rider and/or the Policy terminates, the charges for this rider will be
calculated, prorata, and deducted.

When this Rider is Effective

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

P5363DB 09/07                       5

<PAGE>

Change of Ownership

We must approve any assignment or sale of this Policy unless under a court
ordered assignment.

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, subject to our approval.

For Genworth Life and Annuity Insurance Company,

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

P5363DB 09/07                       6

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