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EX-4
3
0003.txt
EXHIBIT 4(B)(VI)




                                                                EXHIBIT 4(b)(vi)

                     GE LIFE AND ANNUITY ASSURANCE COMPANY
                      OPTIONAL ENHANCED DEATH BENEFIT RIDER
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This rider provides for an optional enhanced death benefit which is added to the
Death benefit payable under your Contract or Policy. For the purposes of this
rider, the term Contract Value will also refer to Account Value, if that term is
used in your Contract or Policy.

Enhanced Death Benefit

Enhanced death benefit if the Annuitant is, or both the Annuitant and Joint
Annuitant are, age 70 or younger at issue: The enhanced death benefit is equal
to 40% of (a) minus (b), where:
     (a)  is the Contact Value as of the date of receipt of due proof of death;
          and
     (b)  is the sum of premiums paid and not previously withdrawn or
          partially surrendered.

The enhanced death benefit cannot exceed 70% of premiums paid as adjusted for
withdrawals or partial surrenders. The enhanced death benefit will never be less
than zero.

Enhanced death benefit if the Annuitant, or the Joint Annuitant if applicable,
is older than age 70 at issue: The enhanced death benefit is equal to 25% of (a)
minus (b), where:
     (a)  is the Contact Value as of the date of receipt of due proof of death;
          and
     (b)  is the sum of premiums paid and not previously withdrawn or
          partially surrendered.

The enhanced death benefit cannot exceed 40% of premiums paid as adjusted for
withdrawals or partial surrenders. The enhanced death benefit will never be less
than zero.

Under both age scenarios listed above, withdrawals or partial surrenders are
taken first from gain and then from premiums made. 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 date we receive your withdrawal or
          surrender request;
     (b)  is the total of any withdrawals or partial surrenders, excluding
          surrender charges, previously taken;
     (c)  is the total of premiums paid;
     (d)  is the total of any gain previously withdrawn or partially
          surrendered.

When Enhanced Death Benefit is Calculated at Death of Annuitant or Any Joint
Annuitant: The enhanced death benefit is calculated on the date that we receive
due proof of death at our Home Office. Until we receive complete written
settlement instructions satisfactory to us from the beneficiary, the calculated
enhanced death benefit will remain allocated to the various Investment Options
according to your last instructions. Therefore, the enhanced death benefit will
fluctuate with the performance of the underlying Investment Options.

Annual Enhanced Death Benefit 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 or Policy year after the
first, and at surrender. The charge is made against the average of the Contract
Value at the beginning of the previous Contract or Policy year and the Contract
Value at the end of the previous Contract or Policy year. At surrender, the
charge is made against the average of the Contract Value at the beginning of the
current Contract or Policy year and the Contract Value at surrender. This charge
will be deducted proportionately from the Subaccounts or Investment Subdivisions
in which you are invested. The maximum annual charge will be the rate shown on
the Contract or Policy data pages times the Contract Value, as described above.
The actual charge will never be greater than the maximum annua1 charge. The
charge at surrender will be a prorata portion of the annual charge.