Document:

Exhibit (4) (b) (xv)

 
Exhibit 4(b)(xv)

 
GE LIFE AND ANNUITY ASSURANCE COMPANY

JOINT OWNER ENDORSEMENT 
 

 
This endorsement is effective on the Contract
Date. 
 
The Contract to which this endorsement is attached is amended by
deleting The Owner provision in its entirety and replacing it with the following: 
 
The Owner 
 
You have rights while this annuity is in
force. These rights are subject to the rights of any irrevocable beneficiary and any assignee under an assignment filed with us. 
 
You may name a Joint Owner. Joint Owners own the Contract equally with the right of survivorship. Right of survivorship means that if a Joint Owner dies, his or her
interest in 
 
the Contract will pass to the surviving Joint Owner.
Disposition of the Contract on death of an Owner is subject to the Death Provisions. 
 
For GE Life and Annuity Assurance Company, 
 
 
/s/  PAMELA S. SCHUTZ 
Pamela S. Schutz 
      President 
 
 

1Exhibit (4) (b) (xvi)

Exhibit 4(b)(xvi) 
 
GE LIFE AND ANNUITY ASSURANCE COMPANY 
ANNUITY CROSS FUNDED ENDORSEMENT 
 

 
The Contract to which this endorsement is added, is endorsed as follows: 
 

	1.    Add	the following Definition: 

 
CROSS FUNDED ANNUITY — The deferred annuity Contract issued and agreed upon by GE Life and Annuity Assurance Company as
indicated on the Contract data pages. 
 

	2.    The	Death Benefit Provisions Upon the Death of An Annuitant or Joint Annuitant provision of the Death Provisions section is amended by adding the following paragraph:

 
Withdrawals of any Contract Value that are immediately
allocated to the Cross Funded Annuity reduce the Death Benefit provided under the Contract or any optional riders in the same manner as any other withdrawal of Contract Value. Except as othewise required by law, GE Life and Annuity Assurance Company
will treat for federal and state income tax reporting purposes the withdrawals that are immediately allocated to the Cross Funded Annuity, as non-taxable internal transfers of assets inside a single deferred annuity. 
 

	3.	The Surrender Charge provision in the Contract Value Benefits section is amended by adding the following paragraph: 

 
Withdrawals of any Contract Value that are immediately allocated to the
Cross Funded Annuity are not subject to a surrender charge. In addition, if you want to take additional withdrawals of any Contract Value, amounts allocated to the Cross Funded Annuity from this Contract will not be considered a withdrawal of any of
the 10% free withdrawal amount. 
 
This endorsement is effective on the
Contract Date unless another date is specified on the Contract data pages. 
 
For GE Life and Annuity Assurance Company, 
 
 
/s/  PAMELA S. SCHUTZ 
Pamela S. Schutz 
    President 
 
 

1Exhibit (4)(b)(xvii)

Exhibit (4)(b)(xvii) 
 
GE LIFE AND ANNUITY ASSURANCE COMPANY 
EARNINGS PROTECTOR DEATH BENEFIT RIDER 
 

 
This rider provides for an optional death benefit, which is added to the Death Benefit
payable under your Contract. 
 
Earnings Protector Death Benefit

 
Earnings Protector Death Benefit if all Annuitant(s) are age 70 or
younger at issue: The Earnings Protector Death Benefit is equal to 40% of earnings defined as (a) minus (b), where: 

	 	(a)	is the Contract Value as of the first Valuation Day as of which we have receipt of due proof of death and all required forms at our Home Office; and 

	 	(b)	is the sum of premiums paid and not previously withdrawn. 

 
The Earnings Protector Death Benefit cannot exceed 70% of premiums paid as adjusted for withdrawals. Premiums, other than the initial premium, paid within 12 months
of death are not included in this calculation. The Earnings Protector Death Benefit will never be less than zero. 
 
Earnings Protector Death Benefit if any Annuitant(s) is older than age 70 at issue: The Earnings Protector Death Benefit is equal to 25% of earnings defined
as (a) minus (b), where: 

	 	(a)	is the Contract Value as of the first Valuation Day as of which we have receipt of due proof of death and all required forms at our Home Office; and 

	 	(b)	is the sum of premiums paid and not previously withdrawn. 

 
The Earnings Protector Death Benefit cannot exceed 40% of premiums paid as adjusted for withdrawals. Premiums, other than the initial premium, paid within 12 months
of death are not included in this calculation. The Earnings Protector Death Benefit will never be less than zero. 
 
Under both age scenarios listed above, withdrawals are considered to have been taken first from gain and then from premiums paid. 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 Valuation Date we receive your withdrawal request and all required forms at our Home Office; 

	 	(b)	is the total of any withdrawals, excluding surrender charges, previously taken; 

	 	(c)	is the total of premiums paid; and 

	 	(d)	is the total of any gain previously withdrawn. 

 
When the Earnings Protector Death Benefit will be calculated: The Earnings Protector Death Benefit will be calculated as of the first Valuation Day as of
which we have receipt of due proof of death and all required forms at our Home Office. 
 
 

1 

Rider 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 year after the first, and at
surrender. The charge is made against the Contract Value. The maximum charge will be the rate shown on the Contract data pages times the Contract Value at the time of deduction. The actual charge will never be greater than the maximum annual charge.
The charge at surrender will be a proportional share of the annual charge. 
 
This annual charge will be deducted proportionally from the Subaccounts in which you are invested. If the assets in the Subaccounts are insufficient to cover the annual charge, then the excess of the charges over the assets in the
Separate Account will then be deducted from the assets 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 unless another effective date is shown
on the Contract data pages. If will remain in effect while this Contract is in force and before Income Payments begin. This rider may not be terminated prior to the Annuity Commencement Date. On the Annuity Commencement Date, this rider and its
corresponding charge will terminate. If the Contract is terminated and later reinstated, this rider cannot be reinstated without our approval. 
 
Change of Ownership 
 
In the event that the underlying Contract is assigned or sold, unless under a court ordered assignment, this rider will terminate on such date of sale or assignment. 
 
Issue Age 
 
This rider is only available if all Annuitants are age [90 or younger] on the Contract Date. 
 
Spousal Continuation 
 
If the spouse of the deceased elects to continue the Contract as provided under the terms of the Contract, this rider is automatically
continued provided that the spouse’s attained age on the election date is age [90 or younger]. All references at age at issue will mean age on the date of election to continue the Contract. For purposes of spousal continuation, all references
to “sum of premiums paid”, “premiums paid” and “total of premiums paid” will mean the Contract Value on the same Valuation Day after all benefits are paid under the Contract and any riders due to the death of the first
Annuitant. 
 
For GE Life and Annuity Assurance Company, 
 
/s/  PAMELA S.
SCHUTZ 
Pamela S. Schutz 
      President 
 

2Exhibit (4)(b)(v)

Exhibit (4)(b)(v) 
 
GE LIFE AND ANNUITY ASSURANCE COMPANY 
JOINT ANNUITANT ENDORSEMENT 
 

 
The Contract to which this endorsement is attached is amended by deleting The Annuitant
provision and replacing it with the following: 
 
The Annuitant

 
Except for non-natural Owners, you must be an Annuitant. You may name
a Joint Annuitant if the Joint Annuitant is your spouse and is also named primary beneficiary. The Annuitant(s) cannot be changed without our consent. If there is a non-natural Owner, the Annuitant(s) cannot be changed and a Joint Annuitant cannot
be added or removed. 
 
For GE Life and Annuity Assurance Company,

 
/s/    PAMELA S. SCHUTZ 
Pamela S. Schutz 
        PresidentExhibit (4)(b)(vi)

 
Exhibit (4)(b)(vi)

 
GE LIFE AND ANNUITY ASSURANCE COMPANY

ANNUITY COMMENCEMENT DATE ENDORSEMENT 
 

 
The
Contract to which this endorsement is attached is amended by deleting The Annuity Commencement Date definition in the Definitions section and replacing it with the following: 
 
ANNUITY COMMENCEMENT DATE — The date stated on the Contract data pages on which Income Payments are scheduled to
commence, if the Annuitant(s) is living on that date. This date cannot be changed after issue, but may be deferred for one year by sending us written notice not more than 90 days and not less than 30 days before the Annuity Commencement Date. If you
defer the Annuity Commencement Date in this manner, the Annuity Commencement Date will then be the new Annuity Commencement Date you selected. 
 
You may continue to defer the Annuity Commencement Date, for one year at a time, by sending us written notice each year within the time period provided. The Annuity
Commencement Date cannot be deferred to a date later than the Contract Anniversary on which the Annuitant, or younger of the Annuitant and Joint Annuitant, reaches age 90, unless we approve a later date. 
 
For GE Life and Annuity Assurance Company, 
 
/s/    PAMELA S.
SCHUTZ 
Pamela S. Schutz 
        PresidentExhibit (4)(b)(vii)

 
Exhibit (4)(b)(vii)

 
GE LIFE AND ANNUITY ASSURANCE COMPANY

VESTED GUARANTEED MINIMUM INCOME PAYMENT ENDORSEMENT 
 

 
The
Contract to which this endorsement is attached is amended by adding the following provision to the Purchase Payments section immediately after the Scheduled Installment provision: 
 
Vested Guaranteed Minimum Income Payment 
 
A Default occurs when either: 

	  	 (1)	 More than 24 Scheduled Installments are paid outside of the grace period over the life of your Contract; or 

	  	 (2)	 A Scheduled Installment, interest that is charged on it and any monthly billing fee are not paid within one year from the Scheduled Installment’s Monthly Due Date.

 
If a Default occurs, the Guaranteed Minimum Income Payment
shown on the Contract data pages is forfeited; however, you will be entitled to a reduced Guaranteed Minimum Income Payment. 
 
On the date of Default, provided Default occurs after 60 Scheduled Installments have been paid, the vested Guaranteed Minimum Income Payment will be (a) divided by
(b) multiplied by (c), where: 

	  	 (a)	 is the total Scheduled Installments paid into the Subaccount and not previously withdrawn prior to the date of Default; 

	  	 (b)	 is the total Scheduled Installments that are required to be paid into the Subaccount prior to the Annuity Commencement Date to secure the Guaranteed Minimum Income Payment
shown on the Contract data pages; and 

	  	 (c)	 is the Guaranteed Minimum Income Payment shown on the Contract data pages. 

 
Restrictions concerning the reduced Guaranteed Minimum Income Payment are as follows: 

	  	 •	 Once the reduced Guaranteed Minimum Income Payment has been determined, we will not recalculate it again even if subsequent Purchase Payments are made; and

	  	 •	 Once a Default has occurred and the reduced Guaranteed Minimum Income Payment has been determined, if a withdrawal is taken from the Subaccount and not repaid with interest
within one year of the date of withdrawal, then the reduced Guaranteed Minimum Income Payment is forfeited. 

 
For GE Life and Annuity Assurance Company, 
 
/s/    PAMELA S. SCHUTZ 
Pamela S. Schutz 
        President

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