Issued by Genworth Life and Annuity Insurance Company

‰ Balanced Risk-Return Profile asset allocation model,
Asset Charge of 0.85%
‰ Mutual fund or exchange trade fund expenses of 1.00%
‰ Advisory, custodial and other services fees of 1.55%
‰ Account Investment performance (gross of fees) of
minus 9% in years 1 and 2, and positive 8% per year
thereafter for life.
Result:
‰ Client withdraws $25,000 per year from their Account
‰ Several months after their 86 th Birthday, they move to
the Guarantee Phase when the Account Value falls
below their Withdrawal Guarantee of $25,000
‰ We make annual $25,000 payments to the client from
then until he or she dies at age 95.
‰ Account investment performance (gross of fees) of
minus 9% in years 1 and 2 and positive 8% per year
thereafter for life
‰ Withdrawals of $25,000 each year.
Result:
‰ Client withdraws $25,000 per year from their Account
‰ Several months after their 89 th Birthday, the client runs
out of money in their Account; it takes longer for the
client to run out of money in this example because there
are no fees being paid for the Certificate.
‰ We make no payments, since the client did not purchase
a Certificate.
Illustration of Example #1A
$600,000
Account (No LifeHarbor)
Illustration of Example #1
Account Value
Account (With LifeHarbor)
$600,000
$500,000
$400,000
$300,000
$200,000
$100,000
Account Value
$500,000
$400,000
$300,000
$200,000
$100,000
$0
65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95
Investor Age
Guaranteed Income
$0
$30,000
$25,000
$20,000
$15,000
$10,000
$5,000
$0
65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85
Participant Age
Payments from Us to You (With LifeHarbor)
85 86 87 88 89 90 91 92 93 94 95
Participant Age
Example #1a: Assume for this example the same scenario
except that the client DOES NOT buy the Certificate:
‰ Single Owner and Participant
‰ Account Value $500,000
‰ Withdrawal Guarantee: none
‰ Mutual fund or exchange traded fund expenses of
1.00%
‰ Advisory, custodial and other services fees of 1.55%
OTHER RISK FACTORS
Financial Strength of the Company.
The Certificate is not a separate account product, which means
that no assets are set aside in a segregated or “separate” account
to satisfy all obligations under the Certificates. Lifetime income
payments (if any), or Base Income payments (if any) will be
paid from our general account and, therefore, are subject to our
claims paying ability. Currently, the financial strength of the
Company is rated by four nationally recognized statistical rating
organizations (“NRSRO”), ranging from excellent and strong to
good and strong. The ratings for the Company reflect the
NRSROs’ opinions that the Company has either an excellent
and strong ability to meet its ongoing obligations to
policyholders on time, or a good and strong ability to meet its
ongoing obligations. A good and strong rating means the
Company may be more vulnerable than higher rated companies
to encounter adverse business conditions which may impair its
ability to pay benefits payable on outstanding insurance policies
on time. The financial strength ratings are the NRSROs’ current
opinions of the financial strength of the Company with respect
to its ability to pay under its outstanding insurance policies
according to their terms and the timeliness of payments. The
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