Issued by Genworth Life and Annuity Insurance Company

Table of Contents
Summary ......................................................................................... 4
Preliminary Note Regarding Terms Used in this Prospectus. ................................................ 4
What is the Certificate ........................................................................... 4
How much will your Certificate cost ................................................................. 5
Can you cancel your Certificate .................................................................... 5
What protection does the Certificate provide ........................................................... 5
How does your Certificate work .................................................................... 6
How do you purchase a Certificate How does it relate to Genworth Financial Wealth Management, Inc. ............. 6
Designated Asset Allocation Models. ................................................................. 6
Risk Factors ....................................................................................... 7
Your Account may perform well enough so that you may not need the guarantee. ................................ 7
The Contract may be terminated between us and GFWM. .................................................. 7
Strategists’ changes may cause the asset allocation model to no longer be in compliance, potentially causing Certificate
termination. .................................................................................. 7
You may die before receiving payments from us. ........................................................ 7
You may not live long enough to receive enough income to exceed the amount of total fees paid. .................... 7
The Certificate does not protect the assets in your GFWM Account from your creditors. ........................... 8
Early Withdrawals and Excess Withdrawals may substantially reduce your guarantees. ........................... 8
We reserve the right to change the Withdrawal Guarantee Factors on January 1st of each year. ...................... 8
You may choose to cancel your Certificate prior to a severe market downturn. .................................. 8
Claims Paying Ability of the Company. ............................................................... 8
Tax Consequences. ............................................................................... 8
The Certificate ..................................................................................... 8
Management of Your GFWM Account .................................................................. 9
The Account Phase of the Certificate .................................................................... 12
HowaretheBirthdayandthedateWithdrawalsmaybeginbeingcalculated ................................... 12
How is the Initial Withdrawal Guarantee calculated ..................................................... 12
How are increases to the Withdrawal Guarantee calculated ................................................ 13
Other increases in the Withdrawal Guarantee. .......................................................... 14
How are decreases to the Withdrawal Guarantee calculated ................................................ 14
What are some things to consider in managing your Withdrawals from your Account ............................ 15
Asset Charges ...................................................................................... 16
Will you pay the same amount (in dollars) for the Withdrawal Guarantee every quarter ........................... 17
Will the fees you pay for advice and other services impact the guarantees under your Certificate .................... 17
Guarantee Phase Under the Certificate .................................................................. 18
What is Guaranteed Income When will you receive payments ............................................. 18
AlternativeAnnuityPayments. ...................................................................... 19
Death Provisions Under the Certificate .................................................................. 19
Divorce Provisions Under the Certificate ................................................................ 21
Illustration of How the Certificate Works ................................................................ 21
Other Risk Factors .................................................................................. 22
FinancialStrengthoftheCompany. .................................................................. 22
Asset Allocation Issues. ........................................................................... 23
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