Issued by Genworth Life and Annuity Insurance Company

eneficiary and will not return any fees except for the
portion of the current billing period’s fees for the
number of days from your death until the end of the
billing period;
‰ If you die (or if the Participant dies where the
Certificate is owned by a non-natural person) on or
after the Annuity Exercise Date, we will calculate the
remaining amount of premium that has not yet been
paid to you, and will make annual payments to your
beneficiary in the same amount that you were
receiving while alive until the annuity payments
equal the amount of premium you paid for either the
Base Income or Guaranteed Income provision. If you
have already been paid annuity payments equal to or
greater than your Premium, we will make no further
payments.
For Non-Qualified Contracts and there are Joint Owners:
‰ Each Owner is a Joint Participant with respect to the
death of the other Owner and a Participant with
respect to their own death;
‰ The Joint Participant rules described below apply on
death.
For Non-Qualified Contracts with Joint Participants during the
Account Phase:
‰ If the Joint Participant dies before the Participant, the
Certificate will generally continue with the sole
surviving Owner and Participant.
‰ The Certificate cannot be continued, if the Owner is
not an individual. If the Owner is an entity, the
Certificate will terminate on the death of either the
Participant or Joint Participant.
‰ If the Owner and Participant dies before the Joint
Participant, the Joint Participant may continue the
Certificate as Owner and Participant.
For Non-Qualified Contracts with Joint Participants during the
Guarantee Phase:
‰ If the Joint Participant dies before the Participant, we
will continue to make annuity payments to the Owner
while the Participant is alive. If the Participant then
dies, the rule described below for the situation where
the Participant is the first to die will apply.
‰ If the Participant dies, we will calculate the remaining
amount of premium that has not yet been paid to the
Owner, and will make annual payments to the
beneficiary in the same amount that the Owner was
receiving while the Participant was alive until annuity
payments equal the amount of premium paid for
either the Base Income or Guaranteed Income
provision. If the Owner has already been paid annuity
payments equal to or greater than the Premium, we
will make no further payments.
For Qualified Certificates and there is no Joint Participant:
‰ If you die before the reaching the Guarantee Phase,
your Certificate terminates. We will make no
payments to your beneficiary and will not return any
fees except for the portion of the current billing
period’s fees for the number of days from your death
until the end of the billing period.
‰ If you die on or after reaching the Guarantee Phase,
we will calculate the remaining amount of premium
that has not yet been paid to you, and will make
annual payments to your beneficiary in the same
amount that you were receiving while alive until the
annuity payments equal the amount of premium you
paid for either the Base Income or Guaranteed
Income provision. If you have already been paid
annuity payments equal to or greater than your
premium, we will make no further payments.
For Qualified Contracts with Joint Participants during the
Account Phase:
‰ If the Joint Participant dies before the Participant,
the Certificate will continue with the same
Participant.
‰ If the Participant dies before the Joint Participant
and the sole beneficiary of the Account is the Joint
Participant, the Owner may continue the
Certificate with the Joint Participant as the new
Participant.
For Qualified Contracts with Joint Participants during the
Guarantee Phase:
‰ If the Joint Participant dies before the Participant,
we will continue to make annuity payments to the
Owner while the Participant is alive. If the
Participant then dies, the rule described below for
the situation where the Participant is the first to die
will apply.
‰ If the Participant dies, we will calculate the
remaining amount of premium that has not yet
been paid to the Owner, and will make annual
payments to the Owner in the same amount that
the Owner was receiving while the Participant was
alive until the annuity payments equal the amount
of Premium paid for either the Base Income or
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