S-3

As filed with the Securities and Exchange Commission on April 2, 2021

Registration File No. 333-___________

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM S-3

REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933

VOYA RETIREMENT INSURANCE AND ANNUITY COMPANY

(Exact name of registrant as specified in its charter)

Connecticut

(State or other jurisdiction of incorporation or organization)

71-0294708

(I.R.S. Employer Identification No.)

One Orange Way, C2N, Windsor, Connecticut 06095-4774, 1-800-262-3862

(Address, including zip code, and telephone number, including area code, of registrant's principal executive offices)

Peter M. Scavongelli, Senior Counsel
Voya Retirement Insurance and Annuity Company
One Orange Way, C2N
Windsor, CT 06095-4774
1-860-580-1631
(Name, address, including zip code, and telephone number, including area code, of agent for service)

As soon as practical after the effective date of the Registration Statement.

We request acceleration of the effective date of this Registration Statement to May 1, 2021.

(Approximate date of commencement of proposed sale to the public)

If the only securities being registered on this Form are being offered pursuant to dividend or interest reinvestment plans, please check the following box:  ¨

If any of the securities being registered on this Form are to be offered on a delayed or continuous basis pursuant to Rule 415 under the Securities Act of 1933, other than securities offered only in connection with dividend or interest reinvestment plans, check the following box.  þ

If this Form is filed to register additional securities for an offering pursuant to Rule 462(b) under the Securities Act, please check the following box and list the Securities Act registration statement number of the earlier effective registration statement for the same offering.  ¨

If this Form is post-effective amendment filed pursuant to Rule 462(c) under the Securities Act, check the following box and list the Securities Act registration statement number of the earlier effective registration statement for the same offering.  ¨

If this Form is registration statement pursuant to General Instruction I.D. or a post-effective amendment thereto that shall become effective upon filing with the Commission pursuant to Rule 462(e) under the Securities Act, check the following box.  ¨

If this Form is a post-effective amendment to a registration statement filed pursuant to General Instruction I.D. filed to register additional securities or additional classes of securities pursuant to Rule 413(b) under the Securities Act, check the following box.  ¨

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or a smaller reporting company.  See the definitions of “large accelerated filer,” “accelerated filer” and “smaller reporting company” in Rule 12b-2 of the Exchange Act.  ¨

Large accelerated filer  ¨                                                                                                                          Accelerated Filer  ¨

Non-accelerated filer  þ  (Do not check if a smaller reporting company)                                                                                                                                 Smaller reporting company  ¨

CALCULATION OF THE REGISTRATION FEE

Title of each class of securities to be registered	Amount to be registered*	Proposed maximum offering price per unit*	Proposed maximum aggregate offering price	Amount of registration fee*
	0	N/A	$1,000,000.00	$109.10

*     The proposed maximum aggregate offering price is estimated solely for the purpose of determining the registration fee.  The amount to be registered and the proposed maximum offering price per unit are not applicable as these securities are not issued in predetermined amounts or units.

PART I

INFORMATION REQUIRED IN PROSPECTUS

Voya Retirement Insurance and Annuity Company

Voya Guaranteed account

May 1, 2021

Introduction

The Voya Guaranteed Account (the “Guaranteed Account”) is a fixed interest option available during the accumulation phase of certain variable annuity contracts (the “contracts”) issued by Voya Retirement Insurance and Annuity Company (“VRIAC,” the “Company,” “we,” “us” and “our”).  Read this prospectus carefully before investing in the Guaranteed Account and save it for future reference.

General Description

The Guaranteed Account offers investors an opportunity to earn specified guaranteed rates of interest for specified periods of time, called guaranteed terms.  We generally offer several guaranteed terms at any one time for those considering investing in the Guaranteed Account.  The number of guaranteed terms offered may vary by state, we may not offer all guaranteed terms on all contracts, and the rates for a given guaranteed term may vary among contracts.  Each guaranteed term offers a guaranteed interest rate for investments that remain in the Guaranteed Account for the duration of the specific guaranteed term.  The guaranteed term establishes both the length of time for which we agree to credit a guaranteed interest rate and how long your investment must remain in the Guaranteed Account in order to receive the guaranteed interest rate.

We guarantee both principal and interest if, and only if, your investment remains invested for the full guaranteed term.  Charges related to the contract, such as a maintenance fee or early withdrawal charge, may still apply even if you do not withdraw until the end of a guaranteed term.  Investments taken out of the Guaranteed Account prior to the end of a guaranteed term may be subject to a market value adjustment which may result in an investment gain or loss.  See “Market Value Adjustment (MVA).”

PLEASE REFER TO PAGE 7 OF THIS PROSPECTUS FOR A DISCUSSION OF THE RISK FACTORS ASSOCIATED WITH THE CONTRACT.

Premium Bonus Option.  If the premium bonus option is available under your contract and you elect that option, we will credit a premium bonus to your contract for each purchase payment you make during the first account year.  There is an additional charge for this option during the first seven account years.  For amounts allocated to the Guaranteed Account, the assessment of this charge will result in a reduction in the interest which would have been credited to your account during the first seven account years if you had not elected the premium bonus option.  Therefore, the fees you will pay if you elect the premium bonus option will be greater than the fees you will pay if you do not elect the premium bonus option.  The premium bonus option may not be right for you if you expect to make additional purchase payments after the first account year or if you anticipate that you will need to make withdrawals during the first seven account years.  In these circumstances the amount of the premium bonus option charge may be more than the amount of the premium bonus we credit to your contract.  See the “Premium Bonus Option - Suitability” section of the contract prospectus.  The premium bonus option may not be available under all contracts or in all states.

This prospectus will explain:

·Guaranteed interest rates and guaranteed terms;

·Contributions to the Guaranteed Account;

·Types of investments available;

·How rates are offered;

·How there can be an investment risk and how we calculate gain or loss;

·Contract charges that can affect your account value in the Guaranteed Account;

·Taking investments out of the Guaranteed Account; and

·How to reinvest or withdraw at maturity.

Additional Disclosure Information

Neither the Securities and Exchange Commission (“SEC”) nor any state securities commission has approved or disapproved of these securities or passed on the accuracy or adequacy of this prospectus.  Any representation to the contrary is a criminal offense.  We do not intend for this prospectus to be an offer to sell or a solicitation of an offer to buy these securities in any state or jurisdiction that does not permit their sale.  We have not authorized anyone to provide you with information that is different than that contained in this prospectus.  The Guaranteed Account is not a deposit with, obligation of or guaranteed or endorsed by any bank, nor is it insured by the Federal Deposit Insurance Corporation (“FDIC”).

Our Home Office: Voya Retirement Insurance and Annuity Company One Orange Way Windsor, Connecticut 06095-4774 Customer Service: Voya P.O. Box 9271 Des Moines, Iowa 50306-9271 1-800-531-4547

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Table of Contents

Page

summary...................................................................................................................... 4

RISK FACTORS............................................................................................................... 7

description of the guaranteed account................................................... 8

transfers.................................................................................................................. 10

withdrawals........................................................................................................... 11

MARKET VALUE ADJUSTMENT (“mva”)............................................................... 11

contract charges................................................................................................ 13

other topics............................................................................................................. 14

inquiries..................................................................................................................... 17

APPENDIX I – Examples of Market Value Adjustment Calculations............................ I-1

APPENDIX II – Examples of Market Value Adjustment Yields................................... II-1

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summary

The Guaranteed Account is a fixed interest option that may be available during the accumulation phase of your variable annuity contract.  The following is a summary of certain facts about the Guaranteed Account.

In General.  Amounts that you invest in the Guaranteed Account will earn a guaranteed interest rate if left in the Guaranteed Account for a specified period of time (the guaranteed term).  You must invest amounts in the Guaranteed Account for the full guaranteed term in order to receive the quoted guaranteed interest rate.  If you withdraw or transfer those amounts before the end of the guaranteed term, we may apply a “market value adjustment,” which may be positive or negative.

Questions:  Contacting the Company.  To answer your questions, contact your local representative or write or call Customer Service at:

Voya Retirement Insurance and Annuity Company
P.O. Box 9271

Des Moines, IA 50306-9271

1-800-531-4547

Deposit Periods.  A deposit period is the time during which we offer a specific guaranteed interest rate if you deposit dollars for a specific guaranteed term.  For a particular guaranteed interest rate and guaranteed term to apply to your account dollars, you must invest them during the deposit period in which that rate and term are offered.

Guaranteed Terms.  A guaranteed term is the period of time account dollars must be left in the Guaranteed Account in order to earn the guaranteed interest rate specified for that guaranteed term.  We offer different guaranteed terms at different times.  We may also offer more than one guaranteed term of the same duration with different guaranteed interest rates.  Check with your local representative or the Company to learn the details about the guaranteed term(s) currently offered.  We reserve the right to limit the number of guaranteed terms or the availability of certain guaranteed terms.  The number of guaranteed terms offered may vary by state, we may not offer all guaranteed terms on all contracts, and the rates for a given guaranteed term may vary among contracts.

Guaranteed Interest Rates.  We guarantee different interest rates, depending upon when account dollars are invested in the Guaranteed Account.  For guaranteed terms one year or longer, we may offer different rates for specified time periods within a guaranteed term.  The interest rate we guarantee is an annual effective yield; that means that the rate reflects a full year’s interest.  We credit interest at a rate that will provide the guaranteed annual effective yield over one year.  The guaranteed interest rate(s) is guaranteed for that deposit period and for the length of the guaranteed term.

The guaranteed interest rates we offer will always meet or exceed the minimum interest rates agreed to in the contract.  Apart from meeting the contractual minimum interest rates, we cannot guarantee any aspect of future offerings.

Fees and Other Deductions.  We do not make deductions from amounts in the Guaranteed Account to cover mortality and expense risks.  We consider these risks when determining the credited rate.  The following other types of charges may be deducted from amounts held in, withdrawn or transferred from the Guaranteed Account:

·Market Value Adjustment (“MVA”).  An MVA may be applied to amounts transferred or withdrawn prior to the end of a guaranteed term, which reflects changes in interest rates since the deposit period.  The MVA may be positive or negative and therefore may increase or decrease the amount withdrawn to satisfy a transfer or withdrawal request.  See “Market Value Adjustment (“MVA”).”

·Tax Penalties and/or Tax Withholding.  Amounts withdrawn may be subject to withholding for federal income taxes, as well as a 10% penalty tax for amounts withdrawn prior to your having attained age 59½. See “Other Topics – FEDERAL Tax CONSIDERATIONS;” see also the “FEDERAL Tax CONSIDERATIONS” section of the contract prospectus.

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·Early Withdrawal Charge.  An early withdrawal charge, which is a deferred sales charge, may apply to amounts withdrawn from the contract, in order to reimburse us for some of the sales and administrative expenses associated with the contract.  See “Contract Charges;” see also the “Fees” section of the contract prospectus.

·Maintenance Fee.  A maintenance fee of up to $30 may be deducted, on an annual basis, pro-rata from all funding options including the Guaranteed Account.  See “Contract Charges;” see also the “Fees” section of the contract prospectus.

·Transfer Fees.  During the accumulation phase, transfer fees of up to $10 per transfer may be deducted from amounts held in or transferred from the Guaranteed Account.  See “Contract Charges;” see also the “Fees” section of the contract prospectus.

·Premium Taxes.  We may deduct a charge for premium taxes of up to 4% from amounts in the Guaranteed Account.  See “Contract Charges;” see also the “Fees” section of the contract prospectus.

·Premium Bonus Option Charge.  If the premium bonus option is available under your contract and elected by you at the time of application, a charge will be deducted from amounts allocated to the Guaranteed Account, resulting in a 0.50% reduction in the interest which would have been credited to your account during the first seven account years if you had not elected the premium bonus option.  See “Contract Charges;” see also the “Fee Tables,” “Fees” and “Premium Bonus Option” sections of the contract prospectus.

Market Value Adjustment (“MVA”).  If you withdraw or transfer all or part of your account value from the Guaranteed Account before a guaranteed term is complete, an MVA may apply.  The MVA reflects the change in the value of the investment due to changes in interest rates since the date of deposit.  The MVA may be positive or negative depending upon interest rate activity at the time of withdrawal or transfer.

An MVA will not apply to:

·Amounts transferred or withdrawn at the end of a guaranteed term;

·Transactions made under the maturity value transfer provision;

·Transfers due to participation in the dollar cost averaging program (see “Market Value Adjustment” for certain restrictions);

·Amounts distributed under a systematic distribution option (see “Systematic Distribution Options” in the contract prospectus);

·Withdrawals for minimum distributions required by the Internal Revenue Code of 1986, as amended (Tax Code), and for which the early withdrawal charge is waived; and

·Withdrawals due to your exercise of the right to cancel your contract.  See the “Right to Cancel” section of the contract prospectus.

MVAs applied to withdrawals or transfers from the Guaranteed Account will be calculated as an “aggregate MVA,” which is the sum of all MVAs applicable due to the withdrawal (see the “Market Value Adjustment (“MVA”)” section of this prospectus for an example of the calculation of the aggregate MVA).  The following withdrawals will be subject to an aggregate MVA only if it is positive:

·Withdrawals due to the election of a lifetime income option; and

·Unless otherwise noted, payment of a guaranteed death benefit (if paid within the first six months following death).

All other withdrawals will be subject to an aggregate MVA, regardless of whether it is positive or negative, including:

·Withdrawals due to the election of a nonlifetime income option;

·Payment of a guaranteed death benefit due to the death of a spousal beneficiary or a joint contract holder who continued the account in his or her name after the death of the other joint contract holder;

·Payment of a guaranteed death benefit more than six months after the date of death (except under certain contracts issued in the State of New York); and

·Full or partial withdrawals during the accumulation phase (an MVA may not apply in certain situations, see “Market Value Adjustment (“MVA”)”).

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See “Description of the Guaranteed Account” and “Market Value Adjustment (“MVA”).”

Maturity of a Guaranteed Term.  On or before the end of a guaranteed term, you may instruct us to:

·Transfer the matured amount to one or more new guaranteed terms available under the current deposit period;

·Transfer the matured amount to other available investment options; or

·Withdraw the matured amount.

Amounts withdrawn may be subject to an early withdrawal charge, a maintenance fee, tax withholding and, if you are under age 59½, tax penalties.  Withdrawals may also result in the forfeiture of all or a part of any premium bonus credited to the Guaranteed Account.  See “Description of the Guaranteed Account - Maturity of a Guaranteed Term;” see also the “Premium Bonus Option - Forfeiture” and “Withdrawals” sections of the contract prospectus.

See “Contract Charges;” see also the “Fees” and “FEDERAL Tax CONSIDERATIONS” sections of the contract prospectus.

When a guaranteed term ends, if we have not received instructions from you, we will automatically reinvest the maturing investment into a new guaranteed term of similar length (see “Description of the Guaranteed Account - Maturity of a Guaranteed Term”and “Maturity Value Transfer Provision”).  If the same guaranteed term is no longer available, the next shortest guaranteed term available in the current deposit period will be used.  If no shorter guaranteed term is available, the next longest guaranteed term will be used.

If you do not provide instructions concerning the maturing amount on or before the end of a guaranteed term, and this amount is automatically reinvested as noted above, the maturity value transfer provision will apply.

Maturity Value Transfer Provision.  This provision allows transfers or withdrawals of amounts automatically reinvested at the end of a guaranteed term without an MVA, if the transfer or withdrawal occurs during the calendar month immediately following a guaranteed term maturity date.  As described in “Fees and Other Deductions” above, other fees, including an early withdrawal charge and a maintenance fee, may be assessed on amounts withdrawn.  See “Description of the Guaranteed Account - Maturity Value Transfer Provision.”

Transfer of Account Dollars.  Generally, account dollars invested in the Guaranteed Account may be transferred among guaranteed terms offered through the Guaranteed Account and/or to other investment options offered through the contract.  However:

·Transfers may not be made during the deposit period in which your account dollars are invested in the Guaranteed Account or for 90 days after the close of that deposit period; and

·We may apply an MVA to transfers made before the end of a guaranteed term.

Investments.  Guaranteed interest rates credited during any guaranteed term do not necessarily relate to investment performance.  Deposits received into the Guaranteed Account will generally be invested in federal, state and municipal obligations, corporate bonds, preferred stocks, real estate mortgages, real estate, certain other fixed income investments and cash or cash equivalents.  All of our general assets are available to meet guarantees under the Guaranteed Account.

Amounts allocated to the Guaranteed Account are held in a nonunitized separate account established by the Company under Connecticut law.  To the extent provided for in the contract, assets of the separate account are not chargeable with liabilities arising out of any other business that we conduct.  See “Investments.”

Notification of Maturity.  We will notify you at least 18 calendar days prior to the maturity of a guaranteed term.  We will include information relating to the current deposit period’s guaranteed interest rates and the available guaranteed terms.  You may obtain information concerning available deposit periods, guaranteed interest rates and guaranteed terms by telephone 1-800-531-4547.  See “Description of the Guaranteed Account - General” and “Description of the Guaranteed Account - Maturity of a Guaranteed Term.”

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RISK FACTORS

Allocating contract value to the Guaranteed Account involves certain risks as noted below. You should also carefully consider your personal tax situation before you invest in the Guaranteed Account.  See “OTHER TOPICS – Federal Tax Considerations” and discuss your personal tax situation with a tax and/or legal adviser for information about the tax treatment of amounts invested in the Guaranteed Account.

Liquidity Risk.  The Guaranteed Account is designed for long-term investment and your purchase payments should be invested in the Guaranteed Account for at least the length of the early withdrawal charge period under the contract.  A free withdrawal percentage or other waiver, if available under the contract, may provide some liquidity.  However, if you withdraw more than the free withdrawal percentage, if available, or a waiver of the charge does not apply, an early withdrawal charge may apply, which in combination with the Market Value Adjustment, could result in the loss of principal and earnings.  Because the Guaranteed Account provides only limited liquidity during the early withdrawal charge period, it is not suitable for short-term investment.

Fees.  Your amount invested in the Guaranteed Account may be impacted by a Market Value Adjustment, the early withdrawal charge, maintenance fee, transfer fees, premium taxes, taxes, and, if the premium bonus option is available under your contract, the premium bonus charge.  These fees and other deductions could result in you receiving less than your investment in the Guaranteed Account.  

If the premium bonus option is available under your contract and you elect that option, premium bonus amounts invested in the Guaranteed Account will be subject to an additional charge during the first seven contract years.  This premium bonus charge will result in a reduction in the interest which would have been credited to those amounts during the first seven contract years, and the premium bonus charge may exceed the amount of the premium bonus credited to your contract.  See the “PREMIUM BONUS OPTION – SUITABILITY” section of the contract prospectus for more information.

Early Withdrawal Charge.  An early withdrawal charge may apply to certain withdrawals of all or a portion of your investment in the Guaranteed Account. The early withdrawal charge is designed to recover some of our sales and administrative costs associated with the contract. Any early withdrawal charge, in combination with the MVA, could result in the loss of principal and earnings. You bear the risk that you may receive less than your investment in the Guaranteed Account.

The Market Value Adjustment (“MVA”).  A MVA may apply to early withdrawals, transfers or other transactions associated with the Guaranteed Account.  We use the MVA to protect us from the risk that we will suffer a loss should we need to liquidate the investments we use to support the guaranteed interest rates that we offer in order to pay you the amount requested. The MVA may be negative, positive or result in no change.  The MVA is generally negative when interest rates in the current market are higher than at the guaranteed interest rates for the guaranteed terms in which you are invested.  At the time of any transaction triggering a MVA, in the event that interest rates in the current market are higher, you bear the risk that you may receive less than your investment in the Guaranteed Account.

Interest Rate Risk.  The minimum guaranteed interest rate associated with any applicable guaranteed term will never be less than the rate stated in your contract.  We will periodically determine the interest rates we offer in excess of the guaranteed minimum interest rate in our sole discretion.  We have no specific formula for determining the rate of interest we will declare in the future.  The interest rates we declare are influenced by, but do not necessarily correspond with, interest rates available on the type of debt instruments in which we intend to invest amounts attributable to the Guaranteed Account.  We cannot predict the level of future interest rates.

Investment Risk.  The Guaranteed Account’s investment risk and return characteristics are similar to those of a zero coupon bond or certificate of deposit.  Your account value maintained in the Guaranteed Account through the end of a guaranteed term provides a fixed rate of return. The Company guarantees principal and credited interest only when held for the length of the guaranteed term. Otherwise, an early withdrawal charge may apply, which in combination with the MVA, could result in the loss of principal and earnings. You bear the risk that you may receive less than your investment in the Guaranteed Account.

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Financial Strength.  All guarantees under the Guaranteed Account are subject to the financial strength and claims paying ability of the Company.

description of the guaranteed account

General

The Guaranteed Account offers guaranteed interest rates for specific guaranteed terms.  For a particular guaranteed interest rate and guaranteed term to apply to your account dollars, you must invest them during the deposit period in which that rate and term are offered.  For guaranteed terms of one year or longer, we may offer different interest rates for specified time periods within a guaranteed term.  We may also offer more than one guaranteed term of the same duration with different guaranteed interest rates.

An MVA may be applied to any values withdrawn or transferred from a guaranteed term prior to the end of that guaranteed term, except for amounts transferred under the maturity value transfer provision, amounts transferred under the dollar cost averaging program, amounts withdrawn under a systematic distribution option, amounts withdrawn for minimum distributions required by the Tax Code and withdrawals due to your exercise of the right to cancel your contract.

MVAs applied to withdrawals or transfers from the Guaranteed Account will be calculated as an “aggregate MVA,” which is the sum of all MVAs applicable due to the withdrawal (see the “Market Value Adjustment (“MVA”)” section of this prospectus for an example of the calculation of the aggregate MVA).  The following withdrawals will be subject to an aggregate MVA only if it is positive:

·Withdrawals due to the election of a lifetime income option; and

·Unless otherwise noted, payment of a guaranteed death benefit (if paid within the first six months following death).

All other withdrawals will be subject to an aggregate MVA, regardless of whether it is positive or negative, including:

·Withdrawals due to the election of a nonlifetime income option;

·Payment of a guaranteed death benefit due to the death of a spousal beneficiary or a joint contract holder who continued the account in his or her name after the death of the other joint contract holder;

·Payment of a guaranteed death benefit more than six months after the date of death (except under certain contracts issued in the State of New York); and

·Full or partial withdrawals during the accumulation phase (an MVA may not apply in certain situations, see “Market Value Adjustment (“MVA”)”).

We maintain a toll-free telephone number for those wishing to obtain information concerning available deposit periods, guaranteed interest rates and guaranteed terms.  The telephone number is 1-800-531-4547.  At least 18 calendar days before a guaranteed term matures we will notify you of the upcoming deposit period dates and information on the current guaranteed interest rates, guaranteed terms and projected matured guaranteed term values.

Contributions to the Guaranteed Account

You may invest in the guaranteed terms available in the current deposit period by allocating new payments to the Guaranteed Account or by transferring a sum from other funding options available under the contract or from other guaranteed terms of the Guaranteed Account, subject to the transfer limitations described in the contract.  We may limit the number of guaranteed terms you may select.  Currently, if the dollar cost averaging program is in effect in a guaranteed term and you wish to add an additional deposit to be dollar cost averaged, all amounts to be dollar cost averaged will be combined and the dollar cost averaging amount will be recalculated.  This will affect the duration of amounts in the guaranteed term.

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Although there is currently no limit, we reserve the right to limit the total number of investment options you may select at any one time during the life of the contract.  For purposes of determining any limit, each guaranteed term counts as one investment option.  Although we may require a minimum payment(s) to a contract, we do not require a minimum investment for a guaranteed term.  Refer to the contract prospectus.  There is a $500 minimum for transfers from other funding options.

Investments may not be transferred from a guaranteed term during the deposit period in which the investment is applied or during the first 90 days after the close of the deposit period.  This restriction does not apply to amounts transferred or withdrawn under the maturity value transfer provision, to amounts transferred under the dollar cost averaging program or, in some situations, withdrawn because you discontinued the dollar cost averaging program, or to amounts distributed under a systematic distribution option.  See “Maturity Value Transfer Provision” and “Transfers.”

Deposit Period

The deposit period is the period of time during which you may direct investments to a particular guaranteed term(s) and receive a stipulated guaranteed interest rate(s).  Each deposit period may be a month, a calendar quarter or any other period of time we specify.

Guaranteed Terms

A guaranteed term is the time we specify during which we credit the guaranteed interest rate.  We offer guaranteed terms at our discretion for various periods ranging up to and including 10 years.  We may limit the number of guaranteed terms you may select and may require enrollment in the dollar cost averaging program.

Guaranteed Interest Rates

Guaranteed interest rates are the rates that we guarantee will be credited on amounts applied during a deposit period for a specific guaranteed term.  We may offer different guaranteed interest rates on guaranteed terms of the same duration.  Guaranteed interest rates are annual effective yields, reflecting a full year’s interest.  We credit interest at a rate that will provide the guaranteed annual effective yield over one year.  Guaranteed interest rates are credited according to the length of the guaranteed term as follows:

·Guaranteed Terms of One Year or Less.  The guaranteed interest rate is credited from the date of deposit to the last day of the guaranteed term.

·Guaranteed Terms of Greater than One Year.  Except for those contracts or certificates issued in the State of New York, several different guaranteed interest rates may be applicable during a guaranteed term of more than one year.  The initial guaranteed interest rate is credited from the date of deposit to the end of a specified period within the guaranteed term.  We may credit several different guaranteed interest rates for subsequent specific periods of time within the guaranteed term.  For example, for a five-year guaranteed term we may guarantee 7% for the first year, 6.75% for the next two years and 6.5% for the remaining two years.  We reserve the right, however, to apply one guaranteed interest rate for an entire guaranteed term.

·We will not guarantee or credit a guaranteed interest rate below the minimum rate specified in the contract, nor will we credit interest at a rate above the guaranteed interest rate we announce prior to the start of a deposit period.  Our guaranteed interest rates are influenced by, but do not necessarily correspond with, interest rates available on fixed income investments we may buy using deposits directed to the Guaranteed Account (see “Other Topics - Investments”).  We consider other factors when determining guaranteed interest rates including regulatory and tax requirements, sales commissions and administrative expenses borne by the Company, general economic trends and competitive factors.  We make the final determination regarding guaranteed interest rates.  We cannot predict the level of future guaranteed interest rates.

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Maturity of a Guaranteed Term.  At least 18 calendar days prior to the maturity of a guaranteed term we will notify you of the upcoming deposit period, the projected value of the amount maturing at the end of the guaranteed term and the guaranteed interest rate(s) and guaranteed term(s) available for the current deposit period.

When a guaranteed term matures, the amounts in any maturing guaranteed term may be:

·Transferred to a new guaranteed term(s), if available under the contract;

·Transferred to any of the allowable investment options available under the contract; or

·Withdrawn from the contract.

We do not apply an MVA to amounts transferred or withdrawn from a guaranteed term on the date the guaranteed term matures.  Amounts withdrawn, however, may be subject to an early withdrawal charge, a maintenance fee, taxation and, if the contract holder is under age 59½, tax penalties.  Withdrawals may also result in the forfeiture of all or part of any premium bonus credited to the Guaranteed Account.  See the “Premium Bonus Option - Forfeiture” and “Withdrawals” sections of the contract prospectus.

If we have not received direction from you by the maturity date of a guaranteed term, we will automatically transfer the matured term value to a new guaranteed term of similar length.  If the same guaranteed term is no longer available, the next shortest guaranteed term available in the current deposit period will be used.  If no shorter guaranteed term is available, the next longest guaranteed term will be used.

Under the Guaranteed Account, each guaranteed term is counted as one funding option.  If a guaranteed term matures, and is renewed for the same term, it will not count as an additional investment option for purposes of any limitation on the number of investment options.

You will receive a confirmation statement, plus information on the new guaranteed rate(s) and guaranteed term.

Maturity Value Transfer Provision

If we automatically reinvest the proceeds from a matured guaranteed term, you may transfer or withdraw from the Guaranteed Account the amount that was reinvested without an MVA.  An early withdrawal charge and maintenance fee may apply to withdrawals.  If the full amount reinvested is transferred or withdrawn, we will include interest credited to the date of the transfer or withdrawal.  This provision is only available until the last business day of the month following the maturity date of the prior guaranteed term.  This provision only applies to the first transfer or withdrawal request received from the contract holder with respect to a particular matured guaranteed term value, regardless of the amount involved in the transaction.

transfers

We allow you to transfer all or a portion of your account value to the Guaranteed Account or to other investment options under the contract.  We do not allow transfers from any guaranteed term to any other guaranteed term or investment option during the deposit period for that guaranteed term or for 90 days following the close of that deposit period.  The 90-day wait does not apply to:

·Amounts transferred on the maturity date or under the maturity value transfer provision;

·Amounts transferred from the Guaranteed Account before the maturity date due to the election of an income phase payment option;

·Amounts distributed under a systematic distribution option;

·Amounts transferred from an available guaranteed term in connection with the dollar cost averaging program; and

·Withdrawals due to your exercise of the right to cancel your contract. See the “Right to Cancel” section of the contract prospectus.

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Transfers after the 90-day period are permitted from a guaranteed term(s) to another guaranteed term(s) available during a deposit period or to other available investment options.  We will apply an MVA to transfers made before the end of a guaranteed term.  Transfers within one calendar month of a term’s maturity date are not counted as one of the 12 free transfers of accumulated values in the account.

When the contract holder requests the transfer of a specific dollar amount, we account for any applicable MVA in determining the amount to be withdrawn from a guaranteed term(s) to fulfill the request.  Therefore, the amount we actually withdraw from the guaranteed term(s) may be more or less than the requested dollar amount. See “Appendix I” for an example.  For more information on transfers, see the contract prospectus.

withdrawals

The contract allows for full or partial withdrawals from the Guaranteed Account at any time during the accumulation phase.  To make a full or partial withdrawal, a request form (available from us) must be properly completed and submitted to Customer Service (or other designated office as provided in the contract).

Partial withdrawals are made pro-rata from each guaranteed term group.  From each guaranteed term group, we will first withdraw funds from the oldest deposit period, then from the next oldest and so on.

We may apply an MVA to withdrawals made prior to the end of a guaranteed term, except for withdrawals made under the maturity value transfer provision.  See “Market Value Adjustment (MVA)”.  We may deduct an early withdrawal charge and maintenance fee.  The early withdrawal charge is a deferred sales charge which may be deducted upon withdrawal to reimburse us for some of the sales and administrative expenses associated with the contract.  A maintenance fee, up to $30, may be deducted pro-rata from each of the funding options, including the Guaranteed Account.  Refer to the contract prospectus for a description of these charges.  When a request for a partial withdrawal of a specific dollar amount is made, we will include the MVA in determining the amount to be withdrawn from the guaranteed term(s) to fulfill the request.  Therefore, the amount we actually take from the guaranteed term(s) may be more or less than the dollar amount requested.  See “Appendix I” for an example.

Deferral of Payments

Under certain emergency conditions, we may defer payment of a Guaranteed Account withdrawal for up to six months.  Refer to the contract prospectus for more details.

Reinstatement Privilege

You may elect to reinstate all or a portion of a full withdrawal during the 30 days following such a withdrawal.  We must receive amounts for reinstatement within 60 days of the withdrawal.

We will apply reinstated amounts to the current deposit period.  This means that the guaranteed annual interest rate and guaranteed terms available on the date of reinstatement will apply.  Amounts are reinstated in the same proportion as prior to the full withdrawal.  We will not credit your account for market value adjustments or any premium bonus forfeited that we deducted at the time of withdrawal or refund any taxes that were withheld.  Refer to the contract prospectus for further details.

MARKET VALUE ADJUSTMENT (“mva”)

Aggregate MVA — The total of all MVAs applied due to a transfer or withdrawal.

Calculation of the Aggregate MVA — In order to satisfy a transfer or withdrawal, amounts may be withdrawn from more than one guaranteed term, with more than one guaranteed interest rate.  In order to determine the MVA applicable to such a transfer or withdrawal, the MVAs applicable to each guaranteed term will be added together, in order to determine the “aggregate MVA.”

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Example:

$1,000 withdrawal, two guaranteed terms,

MVA1 = $10, MVA2 = $–30

$10 + $–30 = $–20.

Aggregate MVA = $–20.

Example:

$1,000 withdrawal, two guaranteed terms,

MVA1 = $30, MVA2 = $–10

$30 + $–10 = $20.

Aggregate MVA = $20.

We apply an MVA to amounts transferred or withdrawn from the Guaranteed Account prior to the end of a guaranteed term.  To accommodate early withdrawals or transfers, we may need to liquidate certain assets or use cash that could otherwise be invested at current interest rates.  When we sell assets prematurely we could realize a profit or loss depending upon market conditions.

The MVA reflects changes in interest rates since the deposit period.  When interest rates increase after the deposit period, the value of the investment decreases and the MVA amount may be negative.  Conversely, when interest rates decrease after the deposit period, the value of the investment increases and the MVA amount may be positive.  Therefore, the application of an MVA may increase or decrease the amount withdrawn from a guaranteed term to satisfy a withdrawal or transfer request.

An MVA will not apply to:

·Amounts transferred or withdrawn at the end of a guaranteed term;

·Transactions made under the maturity value transfer provision;

·Transfers due to participation in the dollar cost averaging program*;

·Amounts distributed under a systematic distribution option - see “Systematic Distribution Options” in the contract prospectus;

·Withdrawals for minimum distributions required by the Tax Code and for which the early withdrawal charge is waived; and

·Withdrawals due to your exercise of the right to cancel your contract. See the “Right to Cancel” section of the contract prospectus.

MVAs applied to withdrawals or transfers from the Guaranteed Account will be calculated as an “aggregate MVA,” which is the sum of all MVAs applicable due to the withdrawal.  (See the previous page for an example of the calculation of the aggregate MVA).  The following withdrawals will be subject to an aggregate MVA only if it is positive:

·Withdrawals due to the election of a lifetime income option; and

·Unless otherwise noted, payment of a guaranteed death benefit (if paid within the first six months following death).

All other withdrawals will be subject to an aggregate MVA, regardless of whether it is positive or negative, including:

·Withdrawals due to the election of a nonlifetime income option;

·Payment of a guaranteed death benefit due to the death of a spousal beneficiary or a joint contract holder who continued the account in his or her name after the death of the other joint contract holder;

·Payment of a guaranteed death benefit more than six months after the date of death (except under certain contracts issued in the State of New York); and

·Full or partial withdrawals during the accumulation phase (an MVA may not apply in certain situations, as noted above).

__________________________

*  If you discontinue the dollar cost averaging program and transfer the amounts in it, subject to the Company’s terms and conditions governing guaranteed terms, to another guaranteed term, an MVA will apply.

12

Calculation of the MVA

The amount of the MVA depends upon the relationship between:

·The deposit period yield of U.S. Treasury Notes that will mature in the last quarter of the guaranteed term; and

·The current yield of such U. S. Treasury Notes at the time of withdrawal.

If the current yield is less than the deposit period yield, the MVA will decrease the amount withdrawn from a guaranteed term to satisfy a transfer or withdrawal request (the MVA will be positive).  If the current yield is greater than the deposit period yield, the MVA will increase the amount withdrawn from a guaranteed term (the MVA will be negative or detrimental to the investor).

Deposit Period Yield

We determine the deposit period yield used in the MVA calculation by considering interest rates prevailing during the deposit period of the guaranteed term from which the transfer or withdrawal will be made.  First, we identify the Treasury Notes that mature in the last three months of the guaranteed term.  Then, we determine their yield-to-maturity percentages for the last business day of each week in the deposit period.  We then average the resulting percentages to determine the deposit period yield.

Treasury Note information may be found each business day in publications such as the Wall Street Journal, which publishes the yield-to-maturity percentages for all Treasury Notes as of the preceding business day.

Current Yield

We use the same Treasury Notes identified for the deposit period yield to determine the current yield - Treasury Notes that mature in the last three months of the guaranteed term.  However, we use the yield-to-maturity percentages for the last business day of the week preceding the withdrawal and average those percentages to get the current yield.

MVA Formula

The mathematical formula used to determine the MVA is:

{	(1+i)	}	x
			365
	(1+j)

where i is the deposit period yield; j is the current yield; and x is the number of days remaining (computed from Wednesday of the week of withdrawal) in the guaranteed term.  (For examples of how we calculate MVA, refer to Appendix I.)

We make an adjustment in the formula of the MVA to reflect the period of time remaining in the guaranteed term from the Wednesday of the week of a withdrawal.

contract charges

Certain charges may be deducted directly or indirectly from the funding options available under the contract, including the Guaranteed Account.  The contract may have a maintenance fee of up to $30 that we will deduct, on an annual basis, pro-rata from all funding options including the Guaranteed Account.  We may also deduct a maintenance fee upon full withdrawal of a contract.

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The contract may have an early withdrawal charge that we will deduct, if applicable, upon a full or partial withdrawal from the contract.  If the withdrawal occurs prior to the maturity of a guaranteed term, both the early withdrawal charge and an MVA may be assessed.

We do not deduct mortality and expense risk charges and other asset-based charges that may apply to variable funding options from the Guaranteed Account.  These charges are only applicable to the variable funding options.

If the premium bonus option is available under your contract and elected by you at the time of application, a charge will be deducted from amounts allocated to the Guaranteed Account, resulting in a 0.50% reduction in the interest which would have been credited to your account during the first seven account years if you had not elected the premium bonus option.  See the “Fee Tables,” “Fees” and “Premium Bonus Option” sections of the contract prospectus.

We may deduct a charge for premium taxes of up to 4% from amounts in the Guaranteed Account.

During the accumulation phase, transfer fees of up to $10 per transfer may be deducted from amounts held in or transferred from the Guaranteed Account.

Refer to the contract prospectus for details on contract deductions.

other topics

The Company

Voya Retirement Insurance and Annuity Company (the “Company,” “we,” “us” and “our”) is a stock life insurance company organized under the insurance laws of the State of Connecticut in 1976.  Prior to January 1, 2002, the Company was known as Aetna Life Insurance and Annuity Company. From January 1, 2002 until August 31, 2014, the Company was known as ING Life Insurance and Annuity Company.

We are an indirect, wholly owned subsidiary of Voya Financial, Inc. (“Voya”), which until April 7, 2014, was known as ING U.S., Inc.  In May 2013 the common stock of Voya began trading on the New York Stock Exchange under the symbol “VOYA”. 

We are engaged in the business of selling life insurance and annuities and providing financial services in the United States.  We are authorized to conduct business in all states, the District of Columbia, Guam, Puerto Rico and the Virgin Islands.  Our principal executive offices are located at:

One Orange Way

Windsor, Connecticut 06095-4774

Income Phase

The Guaranteed Account may not be used as a funding option during the income phase.  Amounts invested in guaranteed terms must be transferred to one or more of the options available to fund income payments before income payments can begin.

An aggregate MVA, as previously described, may be applied to amounts transferred to fund income payments before the end of a guaranteed term.  Amounts used to fund lifetime income payments will receive either a positive aggregate MVA or none at all; however, amounts transferred to fund a nonlifetime income payment option may receive either a positive or negative aggregate MVA.  Refer to the contract prospectus for a discussion of the income phase.

14

Investments

Amounts applied to the Guaranteed Account will be deposited to a nonunitized separate account established under Connecticut law.  A nonunitized separate account is a separate account in which the contract holder does not participate in the performance of the assets through unit values or any other interest.  Contract holders allocating funds to the nonunitized separate account do not receive a unit value of ownership of assets accounted for in this separate account.  The risk of investment gain or loss is borne entirely by the Company.  All Company obligations due to allocations to the nonunitized separate account are contractual guarantees of the Company and are accounted for in the separate account.  All of the general assets of the Company are available to meet our contractual guarantees.  To the extent provided for in the applicable contract, the assets of the nonunitized separate account are not chargeable with liabilities resulting from any other business of the Company.  Income, gains and losses of the separate account are credited to or charged against the separate account without regard to other income, gains or losses of the Company.

Types of Investments.  We intend to invest primarily in investment-grade fixed income securities including:

·Securities issued by the United States Government;

·Issues of United States Government agencies or instrumentalities (these issues may or may not be guaranteed by the United States Government;

·Debt securities which have an investment grade, at the time of purchase, within the four highest grades assigned by Moody’s Investors Services, Inc. (Aaa, Aa, A or Baa), Standard & Poor’s Corporation (AAA, AA, A or BBB) or any other nationally-recognized rating service;

·Other debt instruments, including those issued or guaranteed by banks or bank holding companies, and of corporations, which although not rated by Moody’s Standard & Poor’s or other nationally-recognized rating services, are deemed by the Company’s management to have an investment quality comparable to securities which may be purchased as stated above; and

·Commercial paper, cash or cash equivalents and other short-term investments having a maturity of less than one year which are considered by the Company’s management to have investment quality comparable to securities which may be purchased as stated above.

We may invest in futures and options.  We purchase financial futures, related options and options on securities solely for non-speculative hedging purposes.  Should securities prices be expected to decline, we may sell a futures contract or purchase a put option on futures or securities to protect the value of securities held in or to be sold for the nonunitized separate account.  Similarly, if securities prices are expected to rise, we may purchase a futures contract or a call option against anticipated positive cash flow or may purchase options on securities.

We are not obligated to invest the assets attributable to the contract according to any particular strategy, except as required by Connecticut and other state insurance laws.  The guaranteed interest rates established by the Company may not necessarily relate to the performance of the nonunitized separate account.

Taxation

You should seek advice from your tax and/or legal adviser as to the application of federal (and where applicable, state and local) tax laws to amounts paid to or distributed under the contract. Refer to the variable annuity contract prospectus for further discussion of tax considerations.

Taxation of the Company.  We are taxed as a life insurance company under the Tax Code.  We own all assets supporting the contract obligations.  Any income earned on such assets is considered income to the Company.  We do not intend to make any provision or impose a charge under the contracts with respect to any tax liability of the Company other than state premium taxes.

Taxation of Payments and Distributions.  For information concerning the tax treatment of payments to and distributions from the contract, please refer to the variable annuity contract prospectus.

15

Legal Matters

The Company’s organization and authority, and the legality and validity of the guaranteed terms and the Guaranteed Account, have been passed on by the Company’s legal department.

Experts

The consolidated financial statements of the Company appearing in the Company’s Annual Report (Form 10-K) for the year ended December 31, 2020 (including schedules appearing therein), have been audited by Ernst & Young LLP, independent registered public accounting firm, as set forth in their report thereon, included therein, and incorporated herein by reference.  Such consolidated financial statements are incorporated herein by reference in reliance upon such report given on the authority of such firm as experts in accounting and auditing.

The primary business address of Ernst & Young LLP is The Frost Tower, Suite 1901, 111 West Houston Street, San Antonio, TX 78205.

Legal Proceedings

We are not aware of any pending legal proceedings that are likely to have a material adverse effect upon the Company’s ability to meet its obligations under the contract, Voya Financial Partners, LLC’s ability to distribute the contract or upon the separate account.

· Litigation.  Notwithstanding the foregoing, the Company and/or Voya Financial Partners, LLC, is a defendant in a number of litigation matters arising from the conduct of its business, both in the ordinary course and otherwise. In some of these matters, claimants seek to recover very large or indeterminate amounts, including compensatory, punitive, treble and exemplary damages. Modern pleading practice in the U.S. permits considerable variation in the assertion of monetary damages and other relief. The variability in pleading requirements and past experience demonstrates that the monetary and other relief that may be requested in a lawsuit or claim oftentimes bears little relevance to the merits or potential value of a claim.

·Regulatory Matters.  As with other financial services companies, the Company and its affiliates, including Voya Financial Partners, LLC, periodically receive informal and formal requests for information from various state and federal governmental agencies and self-regulatory organizations in connection with inquiries and investigations of the products and practices of the Company or the financial services industry. It is the practice of the Company to cooperate fully in these matters.

The outcome of a litigation or regulatory matter and the amount or range of potential loss is difficult to forecast and estimating potential losses requires significant management judgment. It is not possible to predict the ultimate outcome for all pending litigation and regulatory matters and given the large and indeterminate amounts sought and the inherent unpredictability of such matters, it is possible that an adverse outcome in certain litigation or regulatory matters could, from time to time, have a material adverse effect upon the Company’s results of operations or cash flows in a particular quarterly or annual period.

Further Information

This prospectus does not contain all of the information contained in the registration statement of which this prospectus is a part.  Portions of the registration statement have been omitted from this prospectus as allowed by the SEC.  You may obtain the omitted information from the offices of the SEC, as described below.  We are required by the Securities Exchange Act of 1934 (the “Exchange Act”), to file periodic reports and other information with the SEC.  You may inspect or copy information concerning the Company at the Public Reference Room of the SEC at:

SEC Public Reference Branch

100 F Street, N.E., Room 1580

Washington, DC 20549

16

You may also obtain copies of these materials at prescribed rates from the Public Reference Branch of the above office.  You may obtain information on the operation of the Public Reference Branch by calling the SEC at either
1-800-SEC-0330 or 1-202-551-8090 or by e-mailing publicinfo@sec.gov.  You may also find more information about the Company by visiting the Company’s homepage on the internet at www.voya.com.

Our filings are available to the public on the SEC’s website at www.sec.gov.  (This uniform resource locator (“URL”) is an inactive textural references only and are not intended to incorporate the SEC website or our website into this prospectus.)  When looking for more information about the contract, you may find it useful to use the number assigned to the registration statement under the Securities Act of 1933.  This number is 333-_____________.

Incorporation of Certain Documents by Reference

The SEC allows us to “incorporate by reference” information that we file with the SEC into this prospectus, which means that the incorporated document is considered part of this prospectus.  We can disclose important information to you by referring you to this document.  This prospectus incorporates by reference the Annual Report on Form 10-K for the fiscal year ended December 31, 2020.

Form 10-K contains additional information about the Company and includes certified financial statements as of December 31, 2020 and 2019, and for each of the three years in the period ended December 31, 2020.  We were not required to file any other reports pursuant to Sections 13(a) or 15(d) of the Securities and Exchange Act since December 31, 2020.  All documents subsequently filed by the Company pursuant to Sections 13(a), 13(c), 14 or 15(d) of the Exchange Act, prior to the termination of the offering shall be deemed to be incorporated by reference into this prospectus. The registration statement, of which this prospectus is a part, and our Exchange Act filings are available to the public on the SEC’s website at www.sec.gov, and we file these documents electronically according to EDGAR under CIK No. 0000837010.

You may request a free copy of any documents incorporated by reference in this prospectus (including any exhibits that are specifically incorporated by reference in them).  Please direct your request to:

Voya Retirement Insurance and Annuity Company

Customer Service

P.O. Box 9271

Des Moines, Iowa 50306-9271

1-800-531-4547

inquiries

You may contact us directly by writing or calling us at the address or phone number shown above. 

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APPENDIX I

Examples of Market Value Adjustment Calculations

The following are examples of market value adjustment (MVA) calculations using several hypothetical deposit period yields and current yields.  These examples do not include the effect of any early withdrawal charge or other fees or deductions that may be assessed under the contract upon withdrawal.

EXAMPLE I
Assumptions: i, the deposit period yield, is 4% j, the current yield, is 6% x, the number of days remaining (computed from Wednesday of the week of withdrawal) in the guaranteed term, is 927.	Assumptions: i, the deposit period yield, is 5% j, the current yield, is 6% x, the number of days remaining (computed from Wednesday of the week of withdrawal) in the guaranteed term, is 927.

MVA ={		(1+i)	}	x	MVA={		(1+i)	}	x
				365					365
		(1+j)					(1+j)
	={	(1.04)	}	927		= {	(1.05)	}	927
				365					365
		(1.06)					(1.06)
= .9528					= .9762

In this example, the deposit period yield of 4% is less than the current yield of 6%; therefore, the MVA is less than one.  The amount withdrawn from the guaranteed term is multiplied by this MVA. If a withdrawal or transfer of a specific dollar amount is requested, the amount withdrawn from a guaranteed term will be increased to compensate for the negative MVA amount.  For example, a withdrawal request to receive a check for $2,000 would result in a $2,099.08 withdrawal from the guaranteed term. In this example, the deposit period yield of 5% is less than the current yield of 6%; therefore, the MVA is less than one.  The amount withdrawn from the guaranteed term is multiplied by this MVA. If a withdrawal or transfer of a specific dollar amount is requested, the amount withdrawn from a guaranteed term will be increased to compensate for the negative MVA amount.  For example, a withdrawal request to receive a check for $2,000 would result in a $2,048.76 withdrawal from the guaranteed term.

Voya Guaranteed AccountI-1

EXAMPLE II
Assumptions: i, the deposit period yield, is 6% j, the current yield, is 4% x, the number of days remaining (computed from Wednesday of the week of withdrawal) in the guaranteed term, is 927.	Assumptions: i, the deposit period yield, is 5% j, the current yield, is 4% x, the number of days remaining (computed from Wednesday of the week of withdrawal) in the guaranteed term, is 927.

MVA ={		(1+i)	}	x	MVA={		(1+i)	}	x
				365					365
		(1+j)					(1+j)
	={	(1.06)	}	927		= {	(1.05)	}	927
				365					365
		(1.04)					(1.04)
= 1.0496					= 1.0246

In this example, the deposit period yield of 6% is greater than the current yield of 4%; therefore, the MVA is greater than one.  The amount withdrawn from the guaranteed term is multiplied by this MVA. If a withdrawal or transfer of a specific dollar amount is requested, the amount withdrawn from a guaranteed term will be decreased to compensate for the positive MVA amount.  For example, a withdrawal request to receive a check for $2,000 would result in a $1,905.49 withdrawal from the guaranteed term. In this example, the deposit period yield of 5% is greater than the current yield of 4%; therefore, the MVA is greater than one.  The amount withdrawn from the guaranteed term is multiplied by this MVA. If a withdrawal or transfer of a specific dollar amount is requested, the amount withdrawn from a guaranteed term will be decreased to compensate for the positive MVA amount.  For example, a withdrawal request to receive a check for $2,000 would result in a $1,951.98 withdrawal from the guaranteed term.

Voya Guaranteed AccountI-2

APPENDIX II

Examples of Market Value Adjustment Yields

The following hypothetical examples show the MVA based upon a given current yield at various times remaining in the guaranteed term.  Table A illustrates the application of the MVA based upon a deposit period yield of 6%; Table B illustrates the application of the MVA based upon a deposit period yield of 5%.  The MVA will have either a positive or negative influence on the amount withdrawn from or remaining in a guaranteed term.  Also, the amount of the MVA generally decreases as the end of the guaranteed term approaches.

TABLE A: Deposit Period Yield of 6%
Current Yield	Change in Deposit Period Yield	Time Remaining to Maturity of Guaranteed Term
		8 Years	6 Years	4 Years	2 Years	1 Year	3 Months
9%	3%	-20.0%	-15.4%	-10.6%	-5.4%	-2.8%	-0.7%
8%	2%	-13.9	-10.6	-7.2	-3.7	-1.9	-0.5
7%	1%	-7.2	-5.5	-3.7	-1.9	-0.9	-0.2
6%	0%	0.0	0.0	0.0	0.0	0.0	0.0
4%	-2%	16.5	12.1	7.9	3.9	1.9	0.5
3%	-3%	25.8	18.8	12.2	5.9	2.9	0.7
2%	-4%	36.0	26.0	16.6	8.0	3.9	1.0
1%	-5%	47.2	33.6	21.3	10.1	5.0	1.2
TABLE B: Deposit Period Yield of 5%
Current Yield	Change in Deposit Period Yield	Time Remaining to Maturity of Guaranteed Term
		8 Years	6 Years	4 Years	2 Years	1 Year	3 Months
9%	+4%	-25.9%	-20.1%	-13.9%	-7.2%	-3.7%	-0.9%
8%	+3%	-20.2	-15.6	-10.7	-5.5	-2.8	-0.7
7%	+2%	-14.0	-10.7	-7.3	-3.7	-1.9	-0.5
6%	+1%	-7.3	-5.5	-3.7	-1.9	-0.9	-0.2
4%	-1%	8.0	5.9	3.9	1.9	1.0	0.2
3%	-2%	16.6	12.2	8.0	3.9	1.9	0.5
2%	-3%	26.1	19.0	12.3	6.0	2.9	0.7
1%	-4%	36.4	26.2	16.8	8.1	4.0	1.0

Voya Guaranteed AccountII-1

PART II

INFORMATION NOT REQUIRED IN PROSPECTUS

Item 14.        Other Expenses of Issuance and Distribution

The expenses in connection with issuance and distribution of the securities to be registered, other than underwriting discounts and commissions, are as follows Except for the Securities and Exchange Commission Filing Fee, all amounts shown are estimates):

Securities and Exchange Commission Registration Fees	$109.10
Federal Taxes	$0
State Taxes and Fees	$0
Trustees’ and Transfer Agents’ Fees	$0
Printing and Engraving	$0
Accounting Fees and Expenses	$5,000
Legal Fees and Expenses	$0
Engineering Fees	$0
Total Expenses	$5,109.10

Item 15.        Indemnification of Directors and Officers

Section 33-779 of the Connecticut General Statutes (“CGS”) provides that a corporation may provide indemnification of or advance expenses to a director, officer, employee or agent only as permitted by Sections 33-770 to 33-778, inclusive, of the CGS.  Reference is hereby made to Section 33-771(e) of the CGS regarding indemnification of directors and Section 33-776(d) of CGS regarding indemnification of officers, employees and agents of Connecticut corporations.  These statutes provide in general that Connecticut corporations incorporated prior to January 1, 1997 shall, except to the extent that their certificate of incorporation expressly provides otherwise, indemnify their directors, officers, employees and agents against “liability” (defined as the obligation to pay a judgment, settlement, penalty, fine, including an excise tax assessed with respect to an employee benefit plan, or reasonable expenses incurred with respect to a proceeding) when (1) a determination is made pursuant to Section 33-775 that the party seeking indemnification has met the standard of conduct set forth in Section 33-771 or (2) a court has determined that indemnification is appropriate pursuant to Section 33-774.  Under Section 33-775, the determination of and the authorization for indemnification are made (a) by two or more disinterested directors, as defined in Section 33-770(3); (b) by special legal counsel; (c) by the shareholders; or (d) in the case of indemnification of an officer, agent or employee of the corporation, by the general counsel of the corporation or such other officer(s) as the board of directors may specify.  Also, Section 33-772 with Section 33-776 provide that a corporation shall indemnify an individual who was wholly successful on the merits or otherwise against reasonable expenses incurred by him in connection with a proceeding to which he was a party because he is or was a director, officer, employee, or agent of the corporation.  Pursuant to Section 33-771(d), in the case of a proceeding by or in the right of the corporation or with respect to conduct for which the director, officer, agent or employee was adjudged liable on the basis that he received a financial benefit to which he was not entitled, indemnification is limited to reasonable expenses incurred in connection with the proceeding against the corporation to which the individual was named a party.

A corporation may procure indemnification insurance on behalf of an individual who is or was a director of the corporation. Consistent with the laws of the State of Connecticut, Voya Financial, Inc. maintains Professional Liability and Fidelity bond, Employment Practices liability and Network Security insurance policies issued by an international insurer. The policies cover Voya Financial, Inc. and any company in which Voya Financial, Inc. has a controlling financial interest of 50% or more. The policies cover the funds and assets of the principal underwriter/depositor under the care, custody and control of Voya Financial, Inc. and/or its subsidiaries. The policies provide for the following types of coverage: Errors and Omissions/Professional Liability, Employment Practices liability and fidelity/Crime (a.k.a. “Financial Institutional Bond”) and Network Security (a.k.a. “Cyber/IT”).

Section 20 of the Voya Financial Partners, LLC Limited Liability Company Agreement executed as of November 28, 2000 provides that Voya Financial Partners, LLC will indemnify certain persons against any loss, damage, claim or expenses (including legal fees) incurred by such person if he is made a party or is threatened to be made a party to a suit or proceeding because he was a member, officer, director, employee or agent of Voya Financial Partners, LLC, as long as he acted in good faith on behalf of Voya Financial Partners, LLC and in a manner reasonably believed to be within the scope of his authority.  An additional condition requires that no person shall be entitled to indemnity if his loss, damage, claim or expense was incurred by reason of his gross negligence or willful misconduct.  This indemnity provision is authorized by and is consistent with Title 8, Section 145 of the General Corporation Law of the State of Delaware.

Item 16. Exhibits

Furnish the exhibits as required by Item 601 of Regulation S-K (§229.601):

(1)(a)	Underwriting Agreement dated November 17, 2006 between ING Life Insurance and Annuity Company and ING Financial Advisers, LLC
(4)	Instruments defining the rights security holders, including indentures:
(4)(a)	Variable Annuity Contract (G2-CDA-94(IR))
(4)(b)	Variable Annuity Contract (G2-CDA-94(NQ))
(4)(c)	Variable Annuity Contract (G-MP2 (5/96))
(4)(d)	Certificate of Group Annuity Coverage (MP2CERT (5/96))
(4)(e)	Variable Annuity Contract (G-CDA-GP2 (4/94))
(4)(f)	Variable Annuity Contract (I-CDA-GP2 (4/94))
(4)(g)	Certificate of Group Annuity Coverage (GP2CERT (4/94))
(4)(h)	Group Variable, Fixed, or Combination Annuity Contract (Nonparticipating) (G-GP2 (5/96))
(4)(i)	Individual Variable, Fixed or Combination Annuity Contract (Nonparticipating) (I-GP2 (5/96))
(4)(j)	Variable Annuity Contract (G-MP2 (5/97))
(4)(k)	Variable Annuity Certificate (MP2CERT (5/97))
(4)(l)	Variable Annuity Contract (IMP2 (5/97))
(4)(m)	Certificate of Group Annuity Coverage (GP2CERT (5/97)).
(4)(n)	Name Change Endorsement (ENMCHGI (05/02))
(4)(o)	Name Change Endorsement (EVNMGHC (09/14))
(4)(p)	Endorsement (E-IRASECURE-20) to Contract (MP2CERT (5/97))
(4)(q)	Endorsement (E-DCSECURE-20) to Contract (MP2CERT (5/97))
(5)	Opinion re: Legality
(23)(a)	Consent of Independent Registered Public Accounting Firm, attached.
(23)(b)	Consent of Legal Counsel (included in Exhibit (5) above).
(24)(a)	Powers of Attorney (included on Signature Page of this Registration Statement)

Exhibits other than those listed above are omitted because they are not required or are not applicable.

Item 17.        Undertakings

The undersigned registrant hereby undertakes as follows, pursuant to Item 512 of Regulation S-K:

(a)Rule 415 offering

(1)Not Applicable

(2)That, for the purpose of determining any liability under the Securities Act of 1933, each such post-effective amendment shall be deemed to be a new registration statement relating to the securities offered therein, and the offering of such securities at that time shall be deemed to be the initial bona fide offering thereof.

(3)To remove from registration by means of a post-effective amendment any of the securities being registered which remain unsold at the termination of the offering.

(4)      Not Applicable

(5)(i)  Not Applicable

(5)(ii) That, for the purpose of determining liability under the Securities Act of 1933 to any purchaser, each prospectus filed pursuant to Rule 424(b) as part of a registration statement relating to an offering, other than registration statements relying on Rule 430B or other than prospectuses filed in reliance on Rule 430A shall be deemed to be part of and included in the registration statement as of the date it is first used after effectiveness.  Provided, however, that no statement made in a registration statement or prospectus that is part of the registration statement or made in a document incorporated or deemed incorporated by reference into the registration statement or prospectus that is part of the registration statement will, as to a purchaser with a time of contract of sale prior to such first use, supersede or modify any statement that was made in the registration statement or prospectus that was part of the registration statement or made in any such document immediately prior to such date of first use.

(6)      That, for the purpose of determining liability of the registrant under the Securities Act of 1933 to any purchaser in the initial distribution of the securities, the undersigned registrant undertakes in a primary offering of securities of the undersigned registrant pursuant to this registration statement, regardless of the underwriting method used to sell the securities to the purchaser, if the securities are offered or sold to such purchaser by means of any of the following communications, the undersigned registrant will be a seller to the purchaser and will be considered to offer or sell such securities to such purchaser:

(i)       Any preliminary prospectus or prospectus of the undersigned registrant relating to the offering required to be filed pursuant to Rule 424;

(ii)      Any free writing prospectus relating to the offering prepared by or on behalf of the undersigned registrant or used or referred to by the undersigned registrant;

(iii)    The portion of  any other free writing prospectus relating to the offering containing material information about the undersigned registrant or its securities provided by or on behalf of the undersigned registrant; and

(iv)     Any other communication that is an offer in the offering made by the undersigned registrant to the purchaser.

(b)          Filings incorporating subsequent Exchange Act documents by reference:

The undersigned registrant hereby undertakes that, for purposes of determining any liability under the Securities Act of 1933, each filing of the registrant’s annual report pursuant to section 13(a) or section 15(d) of the Securities Exchange Act of 1934 (and, where applicable, each filing of an employee benefit plan’s annual report pursuant to section 15(d) of the Securities Exchange Act of 1934) that is incorporated by reference in the registration statement shall be deemed to be a new registration statement relating to the securities offered therein, and the offering of such securities at that time shall be deemed to be the initial bona fide offering thereof.

(c)      Not applicable

(d)      Not applicable

(e)      Not applicable

(f)       Not applicable

(g)      Not applicable

(h)      Request for acceleration of effective date:

Insofar as indemnification for liabilities arising under the Securities Act of 1933 may be permitted to directors, officers and controlling persons of the registrant pursuant to the foregoing provisions, or otherwise, the registrant has been advised that in the opinion of the Securities and Exchange Commission such indemnification is against public policy as expressed in the Act and is, therefore, unenforceable.  In the event that a claim for indemnification against such liabilities (other than the payment by the registrant of expenses incurred or paid by a director, officer or controlling person of the registrant in the successful defense of any action, suit or proceeding) is asserted by such director, officer or controlling person in connection with the securities being registered, the registrant will, unless in the opinion of its counsel the matter has been settled by controlling precedent, submit to a court of appropriate jurisdiction the question whether such indemnification by it is against public policy as expressed in the Act and will be governed by the final adjudication of such issue.

(i)       Not applicable

(j)       Not applicable

(k)      Not applicable

(l)       Not applicable

SIGNATURES

Pursuant to the requirements of the Securities Act of 1933, the registrant certifies that it has reasonable grounds to believe that it meets all of the requirements for filing on Form S-3 and has duly caused this registration statement to be signed on its behalf by the undersigned, thereunto duly authorized, in the Town of Windsor, State of Connecticut, on this 2nd day of April, 2021.

By:	VOYA RETIREMENT INSURANCE AND ANNUITY COMPANY
	(REGISTRANT)
By:	/s/ Charles P. Nelson
	Charles P. Nelson President (principal executive officer)

As required by the Securities Act of 1933, this Registration Statement has been signed by the following persons in the capacities and on the dates indicated. Each person whose signature appears below hereby constitutes and appoints Peter M. Scavongelli, such person’s true and lawful attorney and agent with full power of substitution and re-substitution for him or her and in his or her name, place and stead, in any and all capacities, to sign for such person and in such person’s name and capacity indicated below, any and all amendments to this Registration Statement, hereby ratifying and confirming such person’s signature as it may be signed by said attorney to any and all amendments (pre-effective and post-effective amendments).

Signature	Title		Date
/s/ Charles P. Nelson	Director and President	)	February 18, 2021
Charles P. Nelson	(principal executive officer)	)
		)
/s/ Robert L. Grubka	Director	)	Feb. 22, 2021
Robert L. Grubka		)
		)
/s/ Michael R. Katz	Director and Chief Financial Officer	)	Feb 19, 2021
Michael R. Katz.	(principal financial officer)	)
		)
/s/ Heather H. Lavallee	Director	)	2/25/21
Heather H. Lavallee		)
		)
/s/ Francis G. O’Neill	Director	)	2/21/2021
Francis G. O’Neill		)
		)
/s/ Rodney O. Martin, Jr.	Director	)	3/4/21
Rodney O. Martin, Jr.		)
		)
/s/ Michael S. Smith	Director	)	March 12, 2021
Michael S. Smith		)
		)
/s/ C. Landon Cobb, Jr.	Chief Accounting Officer	)	02/23/2021
C. Landon Cobb, Jr.	(principal accounting officer)	)

Notary

State of Washington

County of Skagit

I certify that I know or have satisfactory evidence that Charles P. Nelson is the person who appeared before me, and said person acknowledged that he signed this instrument and acknowledged it to be his free and voluntary act for the uses and purposes mentioned in the instrument.

Dated:  February 18, 2021

(Seal or stamp)		Signature  /s/ Susann Elizabeth Dillard
	SUSANN ELIZABETH DILLARD NOTARY PUBLIC #208474 STATE OF WASHINGTON COMMISSION EXPIRES JULY 9, 2023
		My appointment expires: July 9, 2023

*****************************************************

STATE OF MINNESOTA

COUNTY OF Hennepin

The foregoing instrument was acknowledged before me this 22 day of Feb. 2021, by Robert L. Grubka.

/s/ Melissa O’Donnell Notary Public MELISSA ODONNELL Notary Public, State of Minnesota Commission Expires 01/31/2025

*****************************************************

Witness & Notary

Attested and subscribed in the presence of the principal and subsequent to the principal subscribing same:

First Witness signs:  /s/ Michele Eleveld                                Second Witness Signs:  /s/ Kyle Puffer                                                                        

Printed name of witness:  Michele Eleveld                             Printed name of witness:  Kyle Puffer                                                                        

State of Connecticut)

County of Hartford  )  ss:  at Windsor on 2/25/21

Personally Appeared Heather H. Lavallee, Signer and Sealer of the foregoing instrument, and acknowledged the same to be his free act and deed, before me.

/s/Christine Donohue Notary Public Christine Donohue Notary Public, State of Connecticut Commission Expires 12/31/22

*****************************************************

STATEMENT OF WITNESS

On the date written above, the principal (Francis G. O’Neill) declared to me in my presence that this instrument is his general durable power of attorney and that he had willingly signed or directed another to sign for him, and that he executed it as his free and voluntary act for the purposes therein expressed.

/s/ James C. Lehan                                                                       Signature of Witness #1
James C. Lehan                                                                            Printed or typed name of Witness #1
15 Fredrickson Rd                                                                        Address of Witness #1
Norfolk, MA 02056                      

/s/ Elizabeth S. Lehan                                                                   Signature of Witness #2
Elizabeth S. Lehan                                                                       Printed or typed name of Witness #2
15 Fredrickson Rd.                                                                       Address of Witness #2
Norfolk, MA 02056                      

*****************************************************

Notary

State of New York

County of New York

On the 4 day of March in the year 2021, before me, the undersigned, personally appeared Rodney O. Martin, Jr., personally known to me or proved to me on the basis of satisfactory evidence to be the individual whose name is subscribed to the within instrument and acknowledged to me that he executed the same in his capacity, and that by his signature on the instrument, the individual, or the person upon behalf of which the individual acted, executed the instrument.

Notary Public /s/ Pier A. Moore                          Notary Public, NY County No. 01M06115336                       Qualified in Kings County Certificate Filed in NY County Commission Expires 9/7/2024

*****************************************************

STATEMENT OF WITNESS

On the date written above, the principal (C. Landon Cobb, Jr.) declared to me in my presence that this instrument is his general durable power of attorney and that he had willingly signed or directed another to sign for him, and that he executed it as his free and voluntary act for the purposes therein expressed.

/s/ Tracy S. Cosby                                                                        Signature of Witness #1
Tracy S. Cosby                                                                             Printed or typed name of Witness #1
6267 Wager Ct.                                                                            Address of Witness #1
Powder Springs, GA 30127          

/s/ Linda Bell                                                                                Signature of Witness #2
Linda Bell                                                                                    Printed or typed name of Witness #2
2889 Torreya Way SE                                                                  Address of Witness #2
Marietta, GA 30067                     

Exhibit Index
Exhibit No.	Exhibit
16(1)(a)	Underwriting Agreement dated November 17, 2006 between ING Life Insurance and Annuity Company and ING Financial Advisers, LLC	EX-16(1)(a)
16(4)(a)	Variable Annuity Contract (G2-CDA-94(IR))	EX-16(4)(a)
16(4)(b)	Variable Annuity Contract (G2-CDA-94(NQ))	EX-16(4)(b)
16(4)(c)	Variable Annuity Contract (G-MP2 (5/96))	EX-16(4)(c)
16(4)(d)	Certificate of Group Annuity Coverage (MP2CERT (5/96))	EX-16(4)(d)
16(4)(e)	Variable Annuity Contract (G-CDA-GP2 (4/94))	EX-16(4)(e)
16(4)(f)	Variable Annuity Contract (I-CDA-GP2 (4/94))	EX-16(4)(f)
16(4)(g)	Certificate of Group Annuity Coverage (GP2CERT (4/94))	EX-16(4)(g)
16(4)(h)	Group Variable, Fixed, or Combination Annuity Contract (Nonparticipating) (G-GP2 (5/96))	EX-16(4)(h)
16(4)(i)	Individual Variable, Fixed or Combination Annuity Contract (Nonparticipating) (I-GP2 (5/96))	EX-16(4)(i)
16(4)(j)	Variable Annuity Contract (G-MP2 (5/97))	EX-16(4)(j)
16(4)(k)	Variable Annuity Certificate (MP2CERT (5/97))	EX-16(4)(k)
16(4)(l)	Variable Annuity Contract (IMP2 (5/97))	EX-16(4)(l)
16(4)(m)	Certificate of Group Annuity Coverage (GP2CERT (5/97))	EX-16(4)(m)
16(4)(n)	Name Change Endorsement (ENMCHGI (05/02))	EX-16(4)(n)
16(4)(o)	Name Change Endorsement (EVNMGHC (09/14))	EX-16(4)(o)
16(4)(p)	Endorsement (E-IRASECURE-20) to Contract (MP2CERT (5/97))	EX-16(4)(p)
16(4)(q)	Endorsement (E-DCSECURE-20) to Contract (MP2CERT (5/97))	EX-16(4)(q)
16(5)	Opinion re Legality	EX-16(5)
16(23)(a)	Consent of Independent Registered Public Accounting Firm	EX-16(23)(a)
16(23)(b)	Consent of Legal Counsel (included in Exhibit (5) above)	EX-16(23)(b)
16(24)(a)	Powers of Attorney (included on the Signature Page of this Registration Statement)	EX-16(24)(a)

EX-16

Exhibit 16(1)(a)

PRINCIPAL UNDERWRITING AGREEMENT

THIS UNDERWRITING AGREEMENT (“Agreement”) is effective as of the 17th day of

November, 2006, by and between ING Life Insurance and Annuity Company (“ILIAC”), on its own behalf

and on behalf of its nonunitized separate accounts for modified guaranteed annuity contracts (“MGA

Accounts”), and on behalf of Variable Annuity Accounts B, C, F, G and I, Separate Account D, and Variable

Life Accounts B and C (separate accounts of ILIAC (Variable Annuity Accounts B, C, F, G and I, Separate

Account D and Variable Life Accounts B and C hereinafter collectively referred to as the “Accounts”)), and

ING Financial Advisers, LLC (the “Underwriter”).

WHEREAS, the Accounts were established under Connecticut law as separate accounts of ILIAC

pursuant to authority granted by resolutions of ILIAC’s Board of Directors dated October 18, 1976, as

amended June 17, 1992 and January 1, 1997 and as further amended on November 15, 1993 (as regards

Variable Annuity Accounts B, C, G and Separate Account D), and June 18, 1986 (as regards Variable Life

Account B), May 31, 1994 as regards the establishment of Variable Annuity Account I (formerly Variable

Annuity Account I of ING Insurance Company of America), August 31, 1999 (as regards Variable Life

Account C), and September 24, 2004 (as regards Separate Account D);

WHEREAS, the Accounts will maintain the net proceeds of and reserves for certain variable

annuity contracts issued by ILIAC, and ILIAC’s MGA Accounts will receive the purchase payments under

certain modified guaranteed annuity contracts issued by ILIAC (collectively the “Contracts);

WHEREAS, ILIAC has registered the Accounts as unit investment trusts under the Investment

Company Act of 1940 and has registered or will register the Contracts for sale under the Securities Act of

1933 (where such registration is required by law); and

WHEREAS, ILIAC, the Accounts, and the MGA Accounts desire to have the Contracts sold

through the Underwriter, and the Underwriter is willing to provide for the sale of the Contracts under the

terms stated herein.

NOW THEREFORE, in consideration of their mutual promises the parties hereto agree as follows:

1.	Principal Underwriter
	ILIAC appoints the Underwriter as, and the Underwriter agrees to serve as, principal underwriter of the Contracts during the term of this Agreement. The Underwriter agrees to use its best efforts to provide for

1

	the solicitation of applications for the Contracts, and to undertake at its own expense to provide all sales services relative to the Contracts and to perform otherwise all duties and functions that are necessary and proper for the distribution of the Contracts.
2.	Sales Agreements
	The Underwriter is hereby authorized to enter into written sales agreements with other broker-dealers for the sale of the Contracts on terms and conditions not inconsistent with and subject to this Agreement.
3.	Registration and Responsibility of Underwriter
	The Underwriter represents that it is registered as a broker-dealer with the SEC under the Securities Exchange Act of 1934 and is a member of the National Association of Securities Dealers, Inc. ("NASD") and shall be registered if necessary or otherwise appropriately qualified under the securities laws of any state or other jurisdiction. The Underwriter shall be responsible for carrying out its sales and underwriting obligations hereunder in compliance with the NASD Rules of Fair Practice and federal and state securities laws and regulations. In this connection, the Underwriter agrees that it shall be responsible for ensuring that any organization with which it enters into a sales agreement for the sale of the Contracts, and such organization's agents or representatives, are duly and appropriately licensed, registered, appointed and otherwise qualified to offer and sell the Contracts under the federal securities laws and any applicable securities and insurance laws of each state or other jurisdiction in which the Contracts may be lawfully sold and in which ILIAC is licensed to sell the Contracts.
4.	Control and Responsibility
	ILIAC shall have ultimate control and responsibility of the functions that it has delegated. ILIAC shall own and have custody of its general corporate accounts and records.
5.	Administrative Services, Books, Records and Reports
	The Underwriter shall cause to be maintained and preserved for the periods prescribed such accounts, books and other documents as are required of it by the Investment Company Act of 1940 and any other applicable laws and regulations. The books, accounts and records of ILIAC, the Accounts and the Underwriter as to all transactions effected in accordance with this Agreement shall be maintained so as to clearly and accurately disclose the nature and details of such transactions, including the sale of Contracts and payment of commissions and service fees by ILIAC. The Underwriter shall furnish

2

	ILIAC with such reports as it may reasonably request for the purpose of meeting its reporting and record keeping requirements in accordance with applicable laws and regulations.
6.	Fiduciary Capacity
	Underwriter agrees that any purchase payments it receives for the Contracts will be held in a fiduciary capacity and agrees to transfer any such amount to ILIAC within three business days.
7.	Compensation to Underwriter
	ILIAC will pay the Underwriter for services rendered hereunder as billed by the Underwriter and agreed to by ILIAC. Underwriter agrees that reimbursement shall be limited to actual expenses.
8.	Non Exclusivity
	The services of the Underwriter to the Accounts hereunder are not to be deemed exclusive and the Underwriter shall be free to render similar services to others as long as its services provided hereunder are not impaired or interfered with thereby.
9.	Non Assignability
	This Agreement shall be nonassignable by the parties hereto.
10.	Amendment
	This Agreement shall be amended only by written agreement of the parties hereto.
11.	Term
	This Agreement shall be effective on the seventeenth day of November, 2006, and shall end on the sixteenth day of November, 2009; provided however, that this Agreement shall be automatically renewed on the seventeenth day of November of each calendar year thereafter for a twelve-month period under the same terms and conditions, subject to the provisions for termination set forth herein.
12.	Termination
	(a)	This Agreement may be terminated by either party hereto for any reason upon 60 days’ written notice to the other party.
	(b)	This Agreement may be terminated upon written notice of one party to the other party hereto in the event of bankruptcy or insolvency of such party to which notice is given.
	(c)	This Agreement may be terminated at any time upon the mutual written consent of the parties hereto.

3

	(d)	Upon termination of this Agreement, all authorizations, rights and obligations shall cease except the obligations to settle accounts hereunder, including payment of contributions subsequently received for Contracts in effect at the time of termination or issued pursuant to applications received by ILIAC prior to termination.
13.	Applicable Law
	This Agreement shall be construed and enforced in accordance with and governed by the laws of the State of Connecticut.
14.	Severabilitv
	If any provision of this Agreement shall be held or made invalid by a court, statute, rule or otherwise, the remainder of this Agreement shall not be affected thereby.

IN WITNESS THEREOF, the parties hereto have caused this Agreement to be signed by their

respective officials thereunder duly authorized and seals to be affixed as of the day and year first above

written.

ING LIFE INSURANCE AND ANNUITY COMPANY

By: _____ /s/ Brian D. Comer____________________

Title: _________President________________________

Date: _________November 13, 2006________________

ING LIFE INSURANCE AND ANNUITY COMPANY,
ON BEHALF OF ITS VARIABLE ANNUITY
ACCOUNTS B, C, F, G and I, SEPARATE ACCOUNT D and
VARIABLE LIFE ACCOUNTS B AND C

By: ______/s/ Brian D. Comer_____________________

Title: _____President_____________________________

Date: _____November 13, 2006____________________

ING FINANCIAL ADVISERS, L.L.C.

By: ____/s/ Richard R. Barhorst___________________

Title: _____President_____________________________

Date: _____November 13, 2006____________________

4

EX-16

Exhibit 16(4)(a)	---------------------------------------------------------
[LOGO OF AETNA INSURANCE COMPANY OF AMERICA APPEARS HERE]	Aetna Insurance Company of America Home Office: 151 Farmington Avenue Hartford, Connecticut 06156 (800) 531-4547 You may call the toll-free number shown above to get answers to your questions or help to resolve a complaint. Aetna Insurance Company of America, herein called Aetna, agrees to pay the benefits stated in this Contract.

Specifications

- --------------------------------------------------------------------------------Plan MARATHON PLUS

- --------------------------------------------------------------------------------Type of Plan INDIVIDUAL RETIREMENT ANNUITY ROLLOVER ACCOUNT

- --------------------------------------------------------------------------------Contract Holder E.G. ANYBROKER

- --------------------------------------------------------------------------------Contract No.

SPECIMEN

- --------------------------------------------------------------------------------Effective Date SEPTEMBER 1, 1993 - --------------------------------------------------------------------------------This Contract is Delivered in YOUR STATE and is Subject to the Laws of that Jurisdiction

THE VARIABLE FEATURES OF THE GROUP CONTRACT ARE DESCRIBED IN PARTS III and V.

Right to Cancel

- --------------------------------------------------------------------------------The Contract Holder may cancel this Contract within 10 days of receiving it, by sending a written notice to Aetna at the above address or to the agent from whom it was purchased. Aetna will return all payments made for this Contract within 7 days after it receives the notice of cancellation and this Contract at its Home Office.

This page, the following pages, and the application make up the entire Contract.

Signed at the Home Office on the Effective Date.

/s/ Signature Appears Here President /s/ Signature Appears Here Secretary

Group Variable, Fixed, or Combination Annuity Contract
Nonparticipating

ALL PAYMENTS AND VALUES PROVIDED BY THE GROUP CONTRACT, WHEN BASED ON INVESTMENT EXPERIENCE OF A SEPARATE ACCOUNT, ARE VARIABLE AND ARE NOT GUARANTEED AS TO FIXED DOLLAR AMOUNT. THIS CONTRACT CONTAINS A MARKET VALUE ADJUSTMENT FORMULA. APPLICATION OF A MARKET VALUE ADJUSTMENT MAY RESULT IN EITHER AN INCREASE OR DECREASE IN THE CURRENT VALUE. THE MARKET VALUE ADJUSTMENT FORMULA DOES NOT APPLY TO A GUARANTEED TERM AT THE TIME OF ITS MATURITY.

<PAGE>

Specifications

- --------------------------------------------------------------------------------

Guaranteed Interest Rate There is a guaranteed interest rate for Purchase Payment(s) held in the MG Account. (See Contract Schedule I).

- --------------------------------------------------------------------------------

Deductions from the Separate Account There will be deductions for mortality and expense risks and administrative fees. (See Contract Schedule I and II).

- --------------------------------------------------------------------------------

Deduction from Purchase Payment(s) Purchase Payment(s) are subject to a deduction for premium taxes, if any. (See 3.01.)

- --------------------------------------------------------------------------------

Surrender Fee There will be a charge deducted upon surrender. (See Contract Schedule I).

This Contract is a legal contract and constitutes the entire legal relationship between Aetna and the Contract Holder.

READ THIS CONTRACT CAREFULLY. This Contract sets forth, in detail, all of the rights and obligations of both you and Aetna. IT IS THEREFORE IMPORTANT THAT YOU

Page 2 of 30

READ THIS CONTRACT CAREFULLY.

2

<PAGE>

Contract Schedule I
Accumulation Period

Separate Account

- -------------------------------------------------------------------------------

Separate Account:	Variable Annuity Account I
Charges to Separate	A daily charge is deducted from any portion of
Account:	the Current Value allocated to the Separate
	Account. The deduction is the daily equivalent
	of the annual effective percentage shown in the
following chart:
	Administrative Charge	0.15%
	Mortality Risk Charge	0.35%
	Expense Risk Charge	0.90%
		-----
	Total Separate Account
	Charges	1.40%

Marathon Guaranteed Account (MG Account)

- -------------------------------------------------------------------------------

Minimum Guaranteed Interest Rate (effective
annual rate of return): 3.0%.

Separate Account and MG Account

- -------------------------------------------------------------------------------

Transfers:	An unlimited number of Transfers may be made during the Accumulation Period. Aetna allows 12 free Transfers in any calendar year. Thereafter, Aetna reserves the right to charge $10 for each subsequent Transfer.
Maintenance Fee:	The annual Maintenance Fee is $30. If the Account's Current Value is $50,000 or more on the date the Maintenance Fee is to be deducted, the Maintenance Fee is $0.

3

<PAGE>

Contract Schedule I (Continued)
Accumulation Period

Separate Account and MG Account (Cont'd)

- --------------------------------------------------------------------------------

Surrender Fee:	For each surrender, the Surrender Fee will be determined
	as follows:
		Surrender Fee
	Length of Time from Deposit of Net	(as percentage of
	Purchase Payment (Years)	Net Purchase Payment)
	Less than 2 years	7%
	2 or more but less than 4 years	6%
	4 or more but less than 5 years	5%
	5 or more but less than 6 years	4%
	6 or more but less than 7 years	3%
	7 years or more	0%
Systematic Withdrawal	The specified payment or specified percentage may not be
Option (SWO):	greater than 10% of the Account's Current Value at time
	of election.
See 1. GENERAL DEFINITIONS for explanations.

4

<PAGE>

	Contract Schedule II
	Annuity Period
Separate Account
- --------------------------------------------------------------------------------
Charges to Separate	A daily charge at an annual effective rate of
Account:	1.25% for Annuity mortality and expensive
	risks. The administrative charge is established
	upon election of an Annuity option. This charge
	will not exceed 0.25%.
https://www.sec.gov/Archives/edgar/data/925981/0000950109-95-002138.txt		03/22/2018

Page 3 of 30

Variable Annuity Assumed	If a Variable Annuity is chosen, an assumed
Annual Net Return Rate:	annual net return rate of 5.0% may be elected.
	If 5.0% is not elected, Aetna will use an
	assumed annual net return rate of 3.5%.
	The assumed annual net return rate factor for
	3.5% per year is 0.9999058.
	The assumed annual net return rate factor for
	5.0% per year is 0.9998663.
	If the portion of a Variable Annuity payment
	for any Fund is not to decrease, the Annuity
	return factor under the Separate Account for
	that Fund must be:
	(a)	4.75% on an annual basis plus an annual
		return of up to 0.25% to offset the
		administrative charge set at the time
		Annuity payments commence if an assumed
		annual net return rate of 3.5% is chosen;
or
	(b)	6.25% on an annual basis plus an annual
		return of up to 0.25% to offset the
		administrative charge set at the time
		Annuity payments commence, if an assumed
		annual net return rate of 5% is chosen.

Fixed Annuity

- --------------------------------------------------------------------------------

Minimum Guaranteed Interest Rate (effective
annual rate of return): 3.0%

See 1. GENERAL DEFINITIONS for explanations.

5

<PAGE>

TABLE OF CONTENTS

I.	GENERAL DEFINITIONS
-	---------------------------------------------------------------------------

		Page
1.01	Account	9
1.02	Accumulation Period	9
1.03	Adjusted Current Value	9
1.04	Annuitant	9
1.05	Annuity	9
1.06	*Beneficiary	9
1.07	Certificate Holder	9
1.08	Code	9
1.09	Contract	9
1.10	Contract Holder	9
1.11	Current Value	10
1.12	Deposit Period	10
1.13	Fixed Annuity	10
1.14	Fund(s)	10
1.15	General Account	10
1.16	Guaranteed Rates - MG Account	10
1.17	Guaranteed Term	10
1.18	Guaranteed Term(s) Groups	10
1.19	Maintenance Fee	11
1.20	Marathon Guaranteed Account (MG Account)	11
1.21	Market Value Adjustment (MVA)	11
1.22	Matured Term Value	11
1.23	Matured Term Value Transfer	11
1.24	Maturity Date	11
1.25	Net Purchase Payment	11
1.26	Nonunitized Separate Account	11
https://www.sec.gov/Archives/edgar/data/925981/0000950109-95-002138.txt			03/22/2018

Page 4 of 30

1.27	Purchase Payment	11
1.28	Reinvestment	12
1.29	Separate Account	12
<PAGE>
		Page
1.30	Surrender Value	12
1.31	Transfers	12
1.32	Valuation Period (Period)	12
1.33	Variable Annuity	12
II.	GENERAL PROVISIONS
- --------------------------------------------------------------------------
2.01	Change of Contract	12
2.02	Change of Fund(s)	13
2.03	Nonparticipating Contract	14
2.04	Payments and Elections	14
2.05	State Laws	14
2.06	Control of Contract	14
2.07	Designation of Beneficiary	14
2.08	Misstatements and Adjustments	15
2.09	Incontestability	15
2.10	Grace Period	15
2.11	Individual Certificates	15
III. PURCHASE PAYMENT, CURRENT VALUE, AND SURRENDER PROVISIONS
- --------------------------------------------------------------------------
3.01	Net Purchase Payment	15
3.02	Certificate Holder's Account	15
3.03	Fund(s) Record Units - Separate Account	15
3.04	Net Return Factor(s) - Separate Account	15
3.05	Fund Record Unit Value - Separate Account	16
3.06	Market Value Adjustment	16
3.07	Transfer of Current Value from the Funds or MG Account	17
3.08	Reports	18
3.09	Notice to the Certificate Holder	18
3.10	Loans	18
3.11	Distribution Options	18
3.12	Death Benefit Amount	22
	7
<PAGE>
		Page
3.13	Death Benefit Options Available to Beneficiary	22
3.14	Required Distribution to Certificate Holder/Beneficiary	23
3.15	Liquidation of Surrender Value	24
3.16	Surrender Fee	24
3.17	Payment of Surrender Value	25
3.18	Reinstatement	25
3.19	Payment of Adjusted Current Value	26
IV.	ANNUITY PROVISIONS
- --------------------------------------------------------------------------
4.01	Choices to be Made	26
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4.02	Annuity Payments to Certificate Holder	26
4.03	Annuity Payments to Beneficiary	27
4.04	Terms of Annuity Options	27
4.05	Death of Annuitant/Beneficiary	28
4.06	Fund(s) Annuity Units - Separate Account	28
4.07	Fund(s) Annuity Unit Value - Separate Account	29
4.08	Annuity Net Return Factor(s) - Separate Account	29
4.09	Annuity Options	29
8
<PAGE>

I.	GENERAL DEFINITIONS
-	-------------------------------------------------------------------------------

1.01	Account:
1.02	Accumulation Period:
1.03	Adjusted Current Value:
1.04	Annuitant:
1.05	Annuity:
1.06	Beneficiary:
1.07	Certificate Holder:
1.08	Code:
1.09	Contract:
1.10	Contract Holder:

<PAGE>

1.11      Current Value:

A record established for each Certificate Holder to maintain the value of the Net Purchase Payment held on his/her behalf during the Accumulation Period.

The period during which the Net Purchase Payment is applied to an Account to provide future Annuity payment(s).

The Current Value of an Account plus or minus any aggregate MG Account MVA, if applicable. (See 1.21)

The person whose life if measured for purposes of the guaranteed death benefit and the duration of Annuity payments under an Account. The Certificate Holder and Annuitant must be the same person under an Account.

Payment of an income:

(a) For the life of one or two persons; (b) For a stated period; or (c) For some combination of (a) and (b).

The individual or estate entitled to receive any payment from an Account upon the death of the Annuitant.

A person who purchases an interest in this Contract as evidenced by a certificate.

The Internal Revenue Code of 1986, as it may be amended from time to time.

This agreement between Aetna and the Contract Holder to provide annuities which qualify as Individual Retirement Annuities under Code Section 408(b) for the exclusive benefit of the Certificate Holder(s) or their Beneficiaries.

The entity to which the Contract is issued. The Contract is offered to:

(a) National Association of Securities Dealers, Inc. ("NASD") member broker-dealers selected by Aetna, who have a minimum net capital of $250,000 or more, including broker-dealer subsidiaries of banks and savings and loan associations, to provide Individual Retirement Annuities under Code Section 408 to their customers; and

(b) Employers who sponsor Individual Retirement Annuity plans under Code Section 408 for their employees.

9

As of the most recent Valuation Period, the Net Purchase Payment and any additional amount deposited pursuant to 3.12 plus any interest added to the portion allocated to the MG Account; and plus or minus the

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1.12 Deposit Period:

1.13	Fixed Annuity:
1.14	Fund(s):
1.15	General Account:
1.16	Guaranteed Rates - MG Account:

1.17 Guaranteed Term:

1.18      Guaranteed Term(s) Groups:

<PAGE>

1.19	Maintenance Fee:
1.20	Marathon Guaranteed Account (MG Account):
1.21	Market Value Adjustment (MVA):

Page 6 of 30

investment experience of the portion
allocated to the Funds since deposit; less
all Maintenance Fees deducted, any amounts
surrendered and any amounts applied to an
Annuity.

A calendar week, a calendar month, a
calendar quarter, or any other period of
time specified by Aetna during which the
Net Purchase Payment, Transfers and
Reinvestments are accepted into the MG
Account for one or more Guaranteed Terms.
Aetna reserves the right to extend the
Deposit Period.

An Annuity with payments that do not vary
in amount.

The open-end management investment
companies (mutual funds) in which the
Separate Account invests.

The account holding the assets of Aetna,
other than those assets held in Aetna's
separate accounts.

Aetna will declare the interest rate(s)
applicable to a specific Guaranteed Term at
the start of the Deposit Period for that
Guaranteed Term. The rate(s) are guaranteed
by Aetna for that Deposit Period and the
ensuing Guaranteed Term. The Guaranteed
Rates are annual effective yields. That is,
interest is credited daily at a rate that
will produce the Guaranteed Rate over the
period of a year. No Guaranteed Rate will
ever be less than the Minimum Guaranteed
Rate shown on Contract Schedule I.

For Guaranteed Terms of one year or less,
one Guaranteed Rate is credited for the
full Guaranteed Term. For longer Guaranteed
Terms, an initial Guaranteed Rate is
credited from the date of deposit to the
end of a specified period within the
Guaranteed Term. There may be different
Guaranteed Rate(s) declared for subsequent
specified time intervals throughout the
Guaranteed Term.

The period of time for which MG Account
Guaranteed Rates are guaranteed on Net
Purchase Payments, Transfers and
Reinvestments made into a current Deposit
Period for the MG Account. Such period
begins on the day following the close of
the Deposit Period and ends on the
designated Maturity Date. Guaranteed Terms
are offered at Aetna'a discretion for
various lengths of time ranging up to and
including ten years.

During a Deposit Period, Aetna may make
available any number of Guaranteed Terms.
The Certificate Holder may allocate the Net
Purchase Payment and Transfers into any or
all of the available Guaranteed Terms.

All MG Account Guaranteed Term(s) with the
same length of time from the close of the
Deposit Period until the designated
Maturity Date.

10

The Maintenance Fee (see Contract Schedule
I) will be deducted during the Accumulation
Period from the Current Value on each
anniversary of the date the Account is
established and upon surrender of the entire
Account.

An accumulation option where Aetna guarantees
stipulated rate(s) of interest for specified
periods of time. All assets of Aetna,
including amounts in the Nonunitized
Separate Account, are available to meet the
guarantees under the MG Account.

An adjustment to the amount withdrawn or
transferred from an MG Account Guaranteed
Term prior to the end of that Guaranteed
Term. The adjustment reflects the change in
the value of the investment due to changes

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1.22	Matured Term Value:
1.23	Matured Term Value Transfer:

1.24	Maturity Date:
1.25	Net Purchase Payment:
1.26	Nonunitized Separate Account:

1.27 Purchase Payment:

<PAGE>

1.28 Reinvestment:

1.29      Separate Account:

Page 7 of 30

in interest rates since the date of deposit
and is computed using the formula given in
3.06. The adjustment is expressed as a
percentage of each dollar being withdrawn.

The amount payable on an MG Account
Guaranteed Term's Maturity Date.

During the calendar month following an MG
Account Maturity Date, the Certificate
Holder may notify Aetna's Home Office in
writing to Transfer or surrender all or part
of the Matured Term Value, plus interest at
the new Guaranteed Rate accrued thereon,
from the MG Account without an MVA. This
provision only applies to the first such
written request received from the
Certificate Holder during this period for
any Matured Term Value.

The last date of an MG Account Guaranteed
Term.

The Purchase Payment less premium taxes, as
applicable.

A separate account set up by Aetna under
Title 38, Section 38a-433, of the
Connecticut General Statutes, that holds
assets for MG Account Terms. There are no
discrete units for this Account. The
Certificate Holder does not participate in
the investment gain or loss from the assets
held in the Nonunitized Separate Account.
Such gain or loss is borne entirely by
Aetna. These assets may be chargeable with
liabilities arising out of any other
business of Aetna.

The cash payment accepted by Aetna at its
Home Office which is a rollover amount under
Code Section 402(c), 403(a)(4), 403(b)(8),
or 408(d)(3). Aetna may require verification
that a rollover amount qualifies as such
under the Code. Payments to Simplified
Employee Pension plans and annual deductible
and nondeductible contributions to
Individual Retirement Annuities are not
accepted under this Contract.

Aetna reserves the right to refuse to accept
any Purchase Payment at any time for any
reason. No advance notice will be given to
the Contract Holder or Certificate Holder.

11

Aetna will mail a notice to the Certificate
Holder at least 18 calendar days before a
Guaranteed Term's Maturity Date. This notice
will contain the Terms available during current
Deposit Periods with their Guaranteed Rate(s)
and projected Matured Term Value. If no
specific direction is given by the Certificate
Holder prior to the Maturity Date, each Matured
Term Value will be reinvested in the current
Deposit Period for a Guaranteed Term of the
same duration. If a Guaranteed Term of the same
duration is unavailable, each Matured Term
Value will automatically be reinvested in the
current Deposit Period for the next shortest
Guaranteed Term available. If no shorter
Guaranteed Term is available, the next longer
Guaranteed Term will be used. Aetna will mail a
confirmation statement to the Certificate
Holder the next business day after the Maturity
Date. This notice will state the Guaranteed
Term and Guaranteed Rate(s) which will apply to
the reinvested Matured Term Value.

A separate account that buys and holds shares
of the Fund(s). Income, gains or losses,
realized or unrealized, are credited or charged
to the Separate Account without regard to other
income, gains or losses of Aetna. Aetna owns
the assets held in the Separate Account and is
not a trustee as to such amounts. This Separate
Account generally is not guaranteed and is held
at market value. The assets of the Separate
Account, to the extent of reserves and other
contract liabilities of the Account, shall not
be charged with Aetna liabilities.

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1.30	Surrender Value:
1.31	Transfers:

Page 8 of 30

The amount payable by Aetna upon the surrender
of any portion of any Account.

The movement of invested amounts among the
available Fund(s) and the MG Account under this
Contract during the Accumulation Period.

1.32	Valuation Period (Period): The period of time of which a Fund determines
		its net asset value, usually 4:15 p.m. Eastern
		time each day the New York Stock Exchange is
		open until 4:15 p.m. the next such day, or such
		other day that one or more of the Funds
		determines its net asset value.
1.33	Variable Annuity:	An annuity with payments that vary with net
		investment results of one or more Funds under
		the Separate Account.
II.	GENERAL PROVISIONS

- --------------------------------------------------------------------------------

2.01 Change of Contract:

<PAGE>

2.01      Change of Contract (Cont'd):

2.02      Change of Fund(s):

Only an authorized officer of Aetna may change the terms of this Contract. Aetna will notify the Contract Holder in writing at least 30 days before the effective date of any change. Any change will not affect the amount or terms of any Annuity which begins before the change.

Aetna reserves the right to refuse to accept any Purchase Payment at any time for any reason. No advance notice will be given to the Contract Holder or Certificate Holder.

12

Aetna may make any change that affects the MG Account Market Value Adjustment (3.06) with at least 30 days' advance written notice to the Contract Holder and the Certificate Holder. Any such change shall become effective for any new Term and will apply to all present and future Accounts.

Aetna reserves the right to change the terms of the distribution options (3.11) for future elections and discontinue the availability of these options after proper notification.

Any change that affects any of the following under this Contract will not apply to Accounts in existence before the effective date of the change:

(a)	Net Purchase Payment (1.25)
(b)	MG Account Guaranteed Rate (1.16)
(c)	Net Return Factor(s)-Separate Account (3.04)
(d)	Current Value (1.11)
(e)	Surrender Value (1.30)
(f)	Fund(s) Annuity Unit Value-Separate Account (4.05)
(g)	Annuity options (4.09)
(h)	Fixed Annuity Interest Rates (4.01)
(i)	Transfers (1.31).

Any change that affects the Annuity options and the tables for the options may be made:

(a)	No earlier than 12 months after the effective date of this Contract; and
(b)	No earlier than 12 months after the effective date of any prior change.

Any Account established on or after the effective date of any change will be subject to the change. If the Contract Holder does not agree to any change under this provision, no new Accounts may be established under this Contract. This Contract may also be changed as deemed necessary by Aetna to comply with federal or state law.

Aetna, or the Separate Account, may:

(a)	Change the Fund(s) which may be invested in by the Separate Account; and
(b)	Replace the shares of any Fund(s) held in the Separate Account with shares of any other Fund(s).

Changes must be:

(a)      Approved by a majority vote in the Separate Account with respect to the Fund(s) whose

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		shares are to be replaced; or
	(b) Deemed necessary by Aetna under the
		Investment Company Act of 1940; or
<PAGE>
2.02	Change of Fund(s)	(c) Deemed necessary by Aetna to accomplish
	(Cont'd):	the purpose of the Separate Account.
		Aetna will notify the Contract Holder and the
		Certificate Holder of any change.
2.03	Nonparticipating Contract:	The Contract Holder, Certificate Holders, or

2.04 Payments and Elections:

2.05 State Laws:

2.06 Control of Contract:

2.07      Designation of Beneficiary:

<PAGE>

2.08	Misstatements and Adjustments:
2.09	Incontestability:
2.10	Grace Period:

Beneficiaries will not have a right to share in the earnings of Aetna.

While the Certificate Holder is living, Aetna will pay the Certificate Holder any Annuity payments as and when due. After the Certificate Holder's death, any Annuity payments required to be made will be paid in accordance with 4.05 Aetna will determine other payments and/or elections as of the end of the Valuation Period in which the request is received at its Home Office. Such payments will be made within 7 calendar days of receipt at its Home Office of a written claim for payment which is in good order, except as provided in 3.17.

The Contract and the Certificates comply with the laws of the state in which they are delivered. Any surrender, death, or Annuity payments are equal to or greater than the minimum required by such laws. Annuity tables for legal reserve valuation shall be as required by state law. Such tables may be different from Annuity tables used to determine Annuity payments.

This is a Contract between the Contract Holder and Aetna. The Contract Holder has title to the Contract. Contract Holder rights are limited to accepting or rejecting Contract modifications.

Each Certificate Holder has a nonforfeitable right to all amounts held in his or her Account. Each Certificate Holder may make any choices allowed by this Contract for his or her Account. Choices made under this Contract must be in writing. Until receipt of such choices at Aetna'a Home Office, Aetna may rely on any previous choices made.

The Contract is not subject to the claims of any creditors of the Contract Holder or the Certificate Holder except to the extent permitted by law.

The Account may not be attached, alienated, or subject to the claims of any creditors of the Certificate Holder except to the extent permitted by law. The Account is nontransferable by the Certificate Holder. The Certificate Holder may not assign, transfer, pledge or use as collateral his or her rights under the Contract.

Each Certificate Holder shall name his or her Beneficiary. The Beneficiary may be changed at any time. Changes to a Beneficiary must be submitted to Aetna's Home Office in writing and will not be effective until accepted by Aetna.

14

If Aetna finds the age of any Annuitant to be misstated, the correct facts will be used to adjust payments.

Aetna cannot cancel this Contract because of any error of fact on the application. Aetna cannot cancel an Account because of any error of fact on the enrollment form.

This Contract will remain in effect except as provided in the Payment of Adjusted Current Value provision (see 3.19).

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2.11      Individual Certificates:

Page 10 of 30

Aetna shall issue a certificate to each
Certificate Holder. The certificate will
summarize certain provisions of the
Contract. Certificates are for information
only and are not a part of the Contract.

III.	PURCHASE PAYMENT, CURRENT VALUE, AND SURRENDER PROVISIONS
-	--------------------------------------------------------------------------------

3.01 Net Purchase Payment:

3.02	Certificate Holder's Account:
3.03	Fund(s) Record Units- Separate Account:

3.04      Net Return Factor(s)- Separate Account:

<PAGE>

3.04 Net Return Factor(s)--Separate Account (Cont'd):

This amount is the actual Purchase Payment less any premium tax. Aetna will generally deduct the premium tax when Annuity benefits are elected (see Part IV). If Aetna determines that under applicable state law, it must pay a premium tax when the Purchase Payment is received or at any other time, it will deduct the tax at that time.

The Net Purchase Payment will be credited among:

(a) The current Deposit Period(s) for Guaranteed Terms under the MG Account; and

(b) The Fund(s) in which the Separate Account invests.

The Certificate Holder shall tell Aetna the allocation percentage to be applied to the current Deposit Period for each of the available Guaranteed Terms in the MG Account and/or each Fund.

Aetna will maintain an Account for each Certificate Holder.

Aetna will declare from time to time the acceptability and the minimum amount for a Purchase Payment.

The portion of the Net Purchase Payment applied to each Fund under the Separate Account will determine the number of Fund record units for that Fund. This number is equal to the portion of the Net Purchase Payment applied to each Fund divided by the Fund record unit value (see 3.05) for the Valuation Period in which the Purchase Payment is received in good order at Aetna's Home Office.

The net return factor(s) are used to compute all Separate Account record units for any Fund.

The net return factor(s) for each Fund is equal to 1.0000000 plus the net return rate.

15

The net return rate is equal to:

(a)	The value of the shares of the Fund held by the Separate Account at the end of the Valuation Period; minus
(b)	The value of the shares of the Fund held by the Separate Account at the start of the Valuation Period; plus or minus
(c)	Taxes (or reserves for taxes) on the Separate Account (if any); divided by
(d)	The total value of the Fund(s) record units and Fund(s) Annuity units of the Separate Account at the start of the Valuation Period; minus
(e)	A daily Separate Account charge at an annual rate as shown on Contract Schedule I for mortality and expense risks, which may include profit; and a daily administrative charge.
A	net return rate may be more or less

than 0%. The value of a share of the Fund is equal to the net assets of the Fund divided by the number of shares outstanding.

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3.05 Fund Record Unit Value -- Separate Account:	A Fund recorded unit value is computed by multiplying the net return factors for the current Valuation Period by the Fund record unit value for the previous Period. The dollar value of a Fund record units, Separate Account assets, and Variable Annuity payments may go up or down due to investment gain or loss.
3.06 Market Value Adjustment:	There will be an MVA for a withdrawal from the MG Account before the end of a Guaranteed Term when the withdrawal is due to:

(a)	A Transfer; except as specified in MG Account Matured Term Value Transfer;
(b)	A full or partial surrender, including a 10% free withdrawal under 3.16; or
(c)	An election of Annuity option 2 (see 4.09).

Full and partial surrenders and Transfers made
within six months after the date of the
Annuitant's death will be the greater of:

(a)	The aggregate MVA amount which is the sum of all market value adjusted amounts calculated due to a withdrawal of amounts.
	This total may be greater or less than the Current Value of those amounts; or
(b)	The applicable portion of the Current Value in the MG Account.

	After the six-month period, the surrender or Transfer will be the aggregate MVA amount, which may be greater or less than the Current Value of those amounts. The greater of the aggregate MVA amount or the applicable portion of the Current Value applies to amounts withdrawn from the MG Account on account of an election of Annuity options 3 or 4 (see 4.09). 16
<PAGE> 3.06 Market Value Adjustment (Cont'd):	Market value adjusted amounts will be equal to the amount withdrawn multiplied by the following ratio:

x
---
365

(1 + i)
-----------------
x
---
365
(1 + j)

Where:

i	is the Deposit Period Yield
j	is the Current Yield
x	is the number of days remaining, (computed from Wednesday of the week of withdrawal) in the Guaranteed Term.

The Deposit Period Yield will be determined
as follows:

(a) At the close of the last business day of
each week of the Deposit Period, a yield
will be computed as the average of the
yields on that day of U.S. Treasury Notes
which mature in the last three months of
the Guaranteed Term.

(b) The Deposit Period Yield is the average
of those yields for the Deposit Period.
If withdrawal is made before the close of
the Deposit Period, it is the average of
those yields on each week preceding
withdrawal.

The Current Yield is the average of the
yields on the last business day of the week
preceding withdrawal on the same U.S.
Treasury Notes included in the Deposit
Period Yield.

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3.07	Transfer of Current Value from the Funds or MG
	Account:

<PAGE>

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In the event that no U.S. Treasury Notes
which mature in the last three months of the
Guaranteed Term exist, Aetna reserves the
right to use the U.S. Treasury Notes that
mature in the following quarter.

Before an Annuity option is elected, all or
any portion of the Adjusted Current Value of
the Certificate Holder's Account may be
transferred from any Fund or Guaranteed Term
of the MG Account:

(a) To any other Fund; or
(b) To any Guaranteed Term of the MG Account
available in the current Deposit Period.

Transfer requests can be submitted as a
percentage or as a dollar amount. Aetna may
establish a minimum transfer amount. Within
a Guaranteed Term Group, the amount to be
surrendered or transferred will be withdrawn
first from the oldest Deposit Period, then
from the next oldest, and so on until the
amount requested is satisfied.

17

3.07	Transfer of Current Value	The Certificate Holder may make an unlimited
	from the Funds or MG	number of Transfers during the Accumulation
	Account (Cont'd):	Period. The number of free Transfers allowed
		by Aetna is shown on Contract Schedule I.
		Additional Transfers may be subject to a
		Transfer fee as shown on Contract Schedule
		I. Transfers from the MG Account of a
		Matured Term Value on or within one calendar
		month after a Term's Maturity Date do not
		count against the annual Transfer limit.
		Amounts applied to Guaranteed Terms of the
		MG Account may not be transferred to the
		Funds or to another Guaranteed Term during
		the Deposit Period or for 90 days after the
		close of the Deposit Period except for
		Matured Term Value(s) during the calendar
		month following the Term's Maturity Date.
		Transfers from Guaranteed Terms of the MG
		Account are subject to the MVA provisions
of 3.06.
3.08	Reports:	Aetna, as issuer of the Contract, will make
		any reports required of it by federal law.
		Aetna will furnish annual calendar year
		reports concerning the status of the
annuity.
3.09	Notice to the Certificate	The Certificate Holder will receive
	Holder:	quarterly statements from Aetna of:
		(a) The value of any amounts held in:

(1)	The MG Account; and
(2)	The Fund(s) under the Separate Account.

(b) The number or any Fund(s) record units; and (c) The Fund(s) record unit value.

3.10	Loans:
3.11	Distribution Options:

Such number or values will be as of a specific date no more than 60 days before the date of the notice.

Loans are not available under this Contract.

The following distribution options may be elected by the Certificate Holder during the Accumulation Period.

(a) Estate Conservation Option (ECO) - A distribution option under which a portion of the Account's Current Value will automatically be surrendered and distributed each year. ECO payments will be calculated based on the Account's full Current Value. The distributed amount will be withdrawn pro rata from each investment option used under the Account. A Surrender Fee will not be deducted from any portion of the Adjusted Current Value which is paid as a distribution under ECO. Certificate Holders should consult their tax adviser prior to requesting this distribution option. Aetna will not be responsible

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<PAGE>

3.11 Distribution Options (Cont'd):

<PAGE>

3.11 Distribution Options (Cont'd):

Page 13 of 30

for any adverse tax consequences due to
receiving ECO payments.

(1) Amount of Distribution: Each year
that ECO is in effect, Aetna will
calculate and distribute an amount
equal to the minimum required
distribution under the Code. The

annual distribution will be determined by
dividing the Current Value as of December
31 of the year prior to the payment year,
by a life expectancy factor.

The Certificate Holder, or spouse
Beneficiary if ECO is elected after the
Certificate Holder's death, shall elect
either single life expectancy or joint
life expectancy. Life expectancy is
computed by use of the expected return
multiples in Tables V and VI of section
1.72-9 of the Income Tax Regulations.

Joint life expectancy can only be elected
based on the joint life expectancy of the
Certificate Holder and his or her
Beneficiary. If the Certificate Holder
makes any changes in the Beneficiary
designation under the Certificate, ECO
distributions after the change will be
recalculated as required by IRS
regulations.

Life expectancies shall be recalculated
annually. If the joint life expectancy is
elected with a non-spouse Beneficiary, the
life expectancy of the non-spouse
Beneficiary may not be recalculated.
Instead, the life expectancy will be
calculated using the attained age of the
Beneficiary during the calendar year in
which the Certificate Holder attains age
70 1/2, and payments for subsequent years
shall be recalculated based on such life
expectancy reduced by one for each
calendar year which has elapsed since the
calendar year life expectancy was first
calculated.

If joint life expectancy is elected with a
spouse Beneficiary, at the death of
either, the payments can continue and will
be calculated based solely on the
survivor's life expectancy. If joint life
expectancy is elected with a non-spouse
Beneficiary and the non-spouse Beneficiary
dies first, payments will continue based
on the joint life expectancy.

If a single life expectancy is elected and
the Certificate Holder dies, or if a joint
life expectancy is elected and the
survivor dies, the death benefits
determined under Section 3.12 will be paid
to the Beneficiary in a lump sum not later
than December 31 following the year of
death.

(2)	Minimum Initial Current Value: At its discretion, Aetna may require a minimum initial Account Current Value for election of this option. If after election of this option, the Current Value is insufficient to make a scheduled ECO payment, Aetna will distribute the entire Account balance.
(3)	Date of Distribution: Distribution will be made annually on the 15th of any month or such other date Aetna may designate or allow. The Certificate Holder shall specify an initial distribution month, not earlier than the
	19

calendar year in which the Certificate
Holder attains age 70 1/2, or such later
time when distributions must commence as
specified under the Code, whichever is
appropriate. For a spouse Beneficiary, the
earliest date is the date of the
Certificate Holder's death.

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(4)      Election and Revocation: ECO may be elected by the Certificate Holder by submitting a written request to Aetna at his Home Office.

Once elected, this option may be revoked
by the Certificate Holder, or spouse
Beneficiary if elected after the
Certificate Holder's death, by submitting
a written request to Aetna at its Home
Office. Any revocation will apply only to
amounts not yet paid. The Certificate
Holder assumes responsibility for
compliance with minimum distribution rules
under the Code. ECO may be elected only
once by the Certificate Holder or by a
spouse Beneficiary.

(b)	Systematic Withdrawal Option (SWO): A
	distribution	option under which a portion of
	the	Account's Current Value will automatically
	be	surrendered and distributed each year. SWO
	payments	will be calculated based on the
	Account's	Current Value. The distributed amount
	will	be withdrawn pro rata from each investment
	option	used under the Account. A Surrender Fee
	will	not be deducted from any portion of the
	Adjusted	Current Value which is paid as a
	distribution	under SWO. Certificate Holders
	should	consult their tax adviser prior to
	requesting	this distribution option. Aetna will
	not	be responsible for any adverse tax
	consequences	due to receiving SWO payments.
	(1)	Amount of Distribution: The Certificate
		Holder	may elect one of the three payment
		methods	described below.
		(i)	Specified Payment: Payments of a designated dollar amount. The annual amount may not be greater than the percentage of the Current Value at time of election as shown on Contract Schedule I. This annual dollar amount will remain constant. At its discretion, Aetna may require a minimum initial payment amount; or
		(ii)	Specified Period: Payments made over a period of time of at least 10 years. The maximum specified period shall be determined under the Code minimum distribution rules. The annual amount paid each year is calculated by dividing the Account's Current Value as of December 31 of the prior year by the number of payment years remaining; or

(iii) Specified Percentage: Payment of a
designated percentage which cannot be
greater than the

20

<PAGE>

3.11 Distribution Options (Cont'd): percentage of the Current Value at the time of election as shown on Contract Schedule I. The percentage may be changed by written request. Aetna reserves the right to limit the number of times the percentage may be changed. The annual amount is calculated by multiplying the Current Value as of December 31 of the year prior to the payment year by the designated percentage. Payments will be made until the year the Certificate Holder attains age 70 1/2 or, if elected by the spouse Beneficiary, the year the Certificate Holder would have attained age 70 1/2. Under both the Specified Payment and Specified Period payment methods, a higher amount shall be paid in any year if required under the Code minimum distribution rules. For purposes of this determination, life expectancy for the initial distribution year shall be calculated based on single life expectancy Table V of Section 1.72-9 of the Income

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<PAGE>

3.11      Distribution Options (Cont'd):

3.12      Death Benefit Amount:

Page 15 of 30

Tax Regulations. With each subsequent
year, the life expectancy will be the life
expectancy for the previous year reduced
by one.

Payments upon the Certificate Holder's
death will be made to the Beneficiary in
the manner described in 3.13.

(2)	Minimum Initial Current Value: At its discretion, Aetna may require a minimum initial Current Value for election of this option. If after election of this option the Current Value is insufficient to make a scheduled SWO payment, Aetna will distribute the entire Account balance.
(3)	Date of Distribution: The Certificate Holder shall specify the initial distribution date. The earliest date for distribution is the first date on which the Certificate Holder attains age 59 1/2.
	As elected by the Certificate Holder, SWO payments will be made on a monthly, quarterly, semi-annual or annual basis. If SWO payments are made more frequently than annually, the designated annual amount is divided by the number of payments due each year. Subsequent distributions will be made on the 15th of any month or such other date Aetna may designate or allow.
(4)	Election and Revocation: SWO may be elected by the Certificate Holder, or spouse Beneficiary if elected after the
Certificate	Holder's death, by submitting
a	completed and signed election form to
Aetna's	Home Office.
21

Once elected, this option may be
revoked by the Certificate Holder, or
spouse Beneficiary if elected after
the Certificate Holder's death, by
submitting a written request to Aetna
at its Home Office. Any revocation
will apply only to amounts not yet
paid. SWO may be elected only once by
the Certificate Holder or by the
spouse Beneficiary.

If the Certificate Holder/Annuitant dies before
Annuity payments start, the Beneficiary is
entitled to a death benefit under the Account.
The claim date is the date when proof of death
and the Beneficiary's claim are received in good
order at Aetna's Home Office. The amount of the
death benefit is determined as follows:

(a)	Death of Certificate Holder/Annuitant less
	than	75 years of age: The guaranteed death
	benefit	is the greatest of:
	(1)	The Net Purchase Payment made to the Account minus the sum of all amounts surrendered, applied to an Annuity, or deducted from the Account;
	(2)	The step up value as of the date of death minus the total of all partial surrenders, amounts applied to an Annuity and deductions made from the Account since determination of the step up value. The step up value is the Current Value on the most recent seventh year anniversary of the date the Net Purchase Payment is applied to the Account;
	(3)	The Account's Current Value as of the date of death.
	The	excess, if any, of the guaranteed death
	benefit	value over the Account's Current
	Value	is determined as of the date of
	death.	Any excess amount will be deposited
	to	the Account and allocated to Aetna
	Variable	Encore Fund as of the claim date.
	The	Current Value on the claim date plus
	any	excess amount deposited becomes the
	Account's	Current Value.

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3.13      Death Benefit Options available to Beneficiary:

<PAGE>

3.13      Death Benefit Options

available to Beneficiary (Cont'd):

Page 16 of 30

(b)      Death of Certificate Holder/Annuitant age 75 or greater: The death benefit amount is the Account Current Value on the claim date.

Prior to any election, or until amounts must be
otherwise distributed under this section, the
Current Value of the Account will be retained in
the Account. The Beneficiary has the right under
the Account to allocate or reallocate any amount
to any of the available investment options
(subject to an MVA, as applicable). The
following options are available to the
Beneficiary:

(a)	If the Beneficiary is the Certificate Holder's surviving spouse, the surviving spouse may exercise all rights under the Contract and continue in the Accumulation Period, or may elect (1), (2), or (3) below. Under the Code, distributions from the Account are
	22

not required until December 31st of the year
in which the original Certificate Holder would
have attained age 70 1/2. The Beneficiary may
elect to:

(1) Apply some or all of the Adjusted Current
Value of the Account to Annuity option 2,
3, or 4 (see 4.09);
(2) Apply some or all of the Adjusted Current
Value of the Account to Annuity option 1
(see 4.09); or

(3) Receive, at any time, a lump sum payment
equal to the Adjusted Current Value of
the Account.

3.14      Required Distribution to Certificate Holder/ Beneficiary:

	If ECO is in effect on the Certificate Holder's date of death, the surviving spouse can elect to continue receiving ECO payments if a joint life expectancy was chosen. Otherwise, the surviving spouse must receive a lump sum payment equal to the Adjusted Current Value.
	If SWO is in effect and the Certificate Holder dies before the required beginning date for minimum distributions (see 3.14), SWO payments will cease and the surviving spouse may claim the death benefit in accordance with the terms of this section.
	If SWO is in effect and the Certificate Holder dies after the required beginning date for minimum distributions, the surviving spouse may elect to continue receiving the SWO payments. Otherwise, the surviving spouse must elect to receive a lump sum payment equal to the Adjusted Current Value.
(b)	If the Beneficiary is other than the Certificate Holder's surviving spouse, then
options	(1), (2), or (3) under (a) above
apply.	Any portion of the Adjusted Current
Value	of the Account that is not applied to
Annuity	option 2, 3 or 4 by December 31st of
the	year following the year of the Certificate
Holder's	death must be distributed by December
31st	of the year containing the fifth
anniversary	of the Certificate Holder's date
of	death.
If	ECO or SWO is in effect on the Certificate
Holder's	date of death, the Beneficiary must
receive	an automatic and immediate lump sum
payment	equal to the Adjusted Current Value.
(c)	If no Beneficiary exists, a lump sum payment
equal	to the Adjusted Current Value will be
made	to the Certificate Holder's estate.
(a)	Certificate Holder: The entire interest of the
Certificate	Holder will be distributed or
begin	to be distributed no later than April 1
following	the calendar year in which the
Certificate	Holder attains age 70 1/2
(required	beginning date), over (a) the life
of	the Certificate Holder, or the lives of the
Certificate	Holder and his or her designated

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<PAGE>

3.14 Required Distribution to Certificate Holder/ Beneficiary (Cont'd):

3.15 Liquidation of Surrender Value:

3.16 Surrender Fee:

<PAGE>

3.16 Surrender Fee (Cont'd):

Page 17 of 30

Beneficiary, or (b) a period certain not
extending beyond the life expectancy of the
Certificate Holder, or the joint and last
survivor expectancy of the Certificate Holder
and his or her designated Beneficiary.
Payments must be made in periodic payments at
intervals no longer than one year. In
addition, payments must be either
nonincreasing or they may

23

increase only as provided in Q&A F-3 of
section 1.401(a)(9)-1 of the Proposed
Income Tax Regulations.

All distributions made hereunder shall be
made in accordance with the requirements
of section 401(a)(9) of the Code, and the
regulations thereunder, including the
minimum distribution incidental benefit
requirement of section 1.401(a)(9)-2 of
the Proposed Income Tax Regulations.

Distribution may be an Annuity as set
forth in Sections 4.01 through 4.04,
payments under ECO or SWO as defined in
Section 3.11, or a lump sum payment.

(b)      Beneficiary: If the Certificate Holder dies after distribution of his or her interest has begun, the remaining portion of such interest will continue to be distributed at least as rapidly as under the method of distribution being used prior to the Certificate Holder's death.

Distributions are considered to have begun
if distributions are made on account of
the Certificate Holder's reaching his or
her required beginning date or if prior to
the required beginning date distributions
irrevocably commence to the Certificate
Holder over a period permitted and in an
Annuity form acceptable under section
1.401(a)(9) of the Income Tax Regulations.

All or any portion of the Account's Adjusted
Current Value may be surrendered at any time.
Surrender requests can be submitted as a
percentage of the Account value or as a
specific dollar amount. The Net Purchase
Payment amount is withdrawn first, and then the
excess value, if any. Amounts are withdrawn on
a pro rata basis from the Fund(s) and/or the
Guaranteed Term(s) Groups of the MG Account in
which the Current Value is invested. Within a
Guaranteed Term Group, the amount to be
surrendered or transferred will be withdrawn
first from the oldest Deposit Period, then from
the next oldest, and so on until the amount
requested is satisfied.

After deduction of the Maintenance Fee, if
applicable, the surrendered amount shall be
reduced by a Surrender Fee, if applicable.

The Surrender Fee only applies to the Net
Purchase Payment portion surrendered and varies
according to the elapsed time since deposit
(see Contract Schedule I).

No Surrender Fee is deducted from any portion
of the Current Value which is paid:

(a)	To a Beneficiary due to the Certificate Holder's death before Annuity payments start;
(b)	As a premium for an Annuity option 2, 3 or 4 under this Contract (see 4.09);
	24
(c)	As a distribution under the ECO or SWO provision (see 3.11);
(d)	At least 12 months after the date of the Purchase Payment to the Account, in an amount equal to or less than 10% of the Current Value. This applies to the first

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3.17 Payment of Surrender VAlue:

3.18 Reinstatement:

<PAGE>

3.18 Reinstatement (Cont'd):

3.19      Payment of Adjusted Current Value:

Page 18 of 30

surrender request, partial or full, in a
calendar year. The Current Value is
calculated as of the date the surrender
request is received in good order at
Aetna's Home Office. This waiver is not
available to the Certificate Holder while
SWO is in effect;

(e)	For a full surrender of the Account where the Current Value of the Account is $2,500 or less and no surrenders have been taken from the Account within the prior 12 months;
(f)	By Aetna under 3.19; or
(g)	If the Certificate Holder has spent at least 45 consecutive days in a licensed nursing care facility and each of the following conditions are met:

(1) more than one calendar year has elapsed
since the date the certificate was
issued; and

(2) the surrender is requested within 3
years of admission to a licensed
nursing care facility.

This waiver does not apply if the
Certificate Holder was in a nursing care
facility at the time the certificate was
issued.

Under certain emergency conditions, Aetna may
defer payment:

(a)	For a period of up to 6 months (unless not allowed by state law); or
(b)	As provided by federal law.

All or a portion of the proceeds of a full
surrender of an Account may be reinvested
within 30 days after the surrender. Any
Maintenance Fee and surrender Fee charged at
the time of surrender on the amount reinvested
will be included in the reinstatement. Any
Market Value Adjustment(s) deducted from
surrenders will not be included in the
reinstatement.

Amounts will be reinstated among the MG Account
and the Funds in the Separate Account in the
same proportion as they were at the time of
surrender. Any amounts reinstated to the MG
Account will be credited to the available
Guaranteed Terms of the current Deposit Period
in the same proportion as they were at the time
of surrender. In the event that a Guaranteed
Term of the same duration is unavailable,
amounts will be reinvested in the next shortest
Guaranteed Term available in the current
Deposit Period. If no shorter Guaranteed Term
is available, the next longer Guaranteed Term
will be used. The number of Fund(s) record
units reinstated will be based on the record
unit value(s) next computed after receipt at
Aetna's

25

Home Office of the reinstatement request and
the amount to be reinstated. Any Maintenance
Fee which falls due after the surrender and
before the reinstatement will be deducted from
the amount reinstated.

Any Account(s) surrendered because the Current
Value was less than $2,500 immediately
following any partial surrender may not be
reinstated (see 3.19).

Reinstatement of an Account is permitted only
once.

Upon 90 days' written notice to the Certificate
Holder, Aetna will terminate any Account if the
Current Value becomes less than $2,500
immediately following any partial surrender.
Aetna does not intend to exercise this right in
cases where an Account Current Value is reduced
to $2,500 or less solely due to investment

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Page 19 of 30

performance. A Surrender Fee will not be
deducted from the Adjusted Current Value. This
terminated Adjusted Current Value of an Account
may not be reinstated.

IV.	ANNUITY PROVISIONS
-	--------------------------------------------------------------------------------

4.01 Choices to be Made:

4.02      Annuity Payments to Certificate Holder:

<PAGE>

4.02      Annuity Payments to Certificate Holder (Cont'd):

4.03	Annuity Payments to Beneficiary:
4.04	Terms of Annuity Options:

The Certificate Holder may tell Aetna to apply any portion of the Adjusted Current Value (minus any premium tax) for an Annuity under option 2, 3, or 4 (see 4.09). The first Annuity payment may not be earlier than one calendar year after the Purchase Payment nor later than the later of:

(a)	The first day of the month following the Annuitant's 85th birthday; or
(b)	The tenth anniversary of the last Purchase Payment. In lieu of the election of an Annuity, the Certificate Holder may tell Aetna to make a lump sum payment.

When an Annuity option is chosen, Aetna must also be told if payments are to be made other than monthly and whether to pay:

(a)	A Fixed Annuity using the General Account;
(b)	A Variable Annuity using any of the Fund(s) available under this Contract for Annuity purposes; or
(c)	A combination of (a) and (b).

If a Fixed Annuity is chosen, the Annuity purchase rate for the option chosen reflects the Minimum Guaranteed Interest Rate (see Contract Schedule II), but may reflect higher interest rates. If a Variable Annuity is chosen, the initial Annuity payment for the option chosen reflects the assumed annual return rate elected. (see Contract Schedule II).

In no event may any payments under an Annuity option extend beyond:

(a)	The life of the Certificate Holder;
	26
	(b)	The lives of the Certificate Holder and Beneficiary;
	(c)	Any certain period greater than the Certificate Holder's life expectancy according to regulations under Code Section 401(a)(9), determined as of the date payments are to begin; or
	(d)	A period greater than the joint and last survivor life expectancies of the Certificate Holder and the Certificate Holder's Beneficiary according to regulations under Code Section 401(a)(9), determined as of the date payments are to begin.

In no event may payments to the Beneficiary under an Annuity option extend beyond:

(a) The life of the Beneficiary; or (b) Any certain period greater than the Beneficiary's life expectancy as determined by regulations under Code Section 401(a)(9).

(a) When payments start, the age of the Annuitant plus the number of years for which payments are guaranteed must not exceed 95.

(b) An Annuity option may not be elected if the first payment would be less than $50 or if the total payments in a year would be less than $250 (less if required by state law). Aetna reserves the right to increase the minimum first Annuity payment amount and the annual minimum Annuity payment amount based upon increases reflected in the Consumer Price Index-Urban, (CPI-U) since July 1, 1993.

(c) If a Fixed Annuity under option 2, 3 or 4 is chosen and a larger payment would result from applying the Surrender

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<PAGE>

4.04 Terms of Annuity Options (Cont'd):

4.05 Death of Annuitant/ Beneficiary:

Page 20 of 30

Value to a current Aetna single premium
immediate Annuity, Aetna will make the
larger payment.
(d) For purposes of calculating the
guaranteed first payment of a Variable
Annuity or the payments for a Fixed
Annuity, the Annuitant's and second
Annuitant's adjusted age will be used.
The Annuitant's and second Annuitant's
adjusted age is his or her age as of
the birthday closest to the Annuity
commencement date reduced by one year
for Annuity commencement dates
occurring during the period of time
from July 1, 1993 through December 31,
1999. The Annuitant's and second
Annuitant's age will be reduced by two
years for Annuity commencement dates
occurring during the period of time
from January 1, 2000 through December
31, 2009. The Annuitant's and second
Annuitant's age will be reduced by one
additional year for Annuity
commencement dates occurring in each
succeeding decade.

The Annuity rates for options 3 and 4
are based on mortality from 1983 Table
a.

(e) Assumed Annual Net Return Rate is the
interest rate used to determine the
amount of the first Annuity payment
under a Variable Annuity as shown on
Contract Schedule II. The Separate
Account must earn this rate plus enough
to cover the

27

mortality and expense risks charges (which
may include profit) and administrative
charges if future Variable Annuity
Payments are to remain level, (see Annuity
return factor under Variable Annuity
Assumed Annual Net Return Rate on Contract
Schedule II).

(f)	Once elected, Annuity payments cannot be commuted to a lump sum except for Variable Annuity payments under option 2 (see 4.09). The life expectancy of the Certificate Holder or Certificate Holder and second Annuitant shall be irrevocable upon the election of an Annuity option.
(a)	When the Annuitant dies under option 2 or 3, or both the Annuitant and second Annuitant die under option 4(d), the present value of any remaining guaranteed payments will be paid in one sum to the Beneficiary, or upon election by the Beneficiary, any remaining payments will continue to the Beneficiary. If option 4 has been elected and the Annuitant dies, the remaining payments will continue to the second Annuitant as successor payee.
(b)	If there is no Beneficiary under option 2, 3 or 4, the present value of any remaining payments will be paid in one sum to the Certificate Holder's estate.
(c)	If the Beneficiary designated under option 1 dies, the amount held plus accrued interest will be paid in one sum to a
successor	Beneficiary, if any, named by
the	designated Beneficiary. If there is no
successor	Beneficiary, the lump sum will
be	paid to the designated Beneficiary's
estate.
(d)	If the Beneficiary dies while receiving
Annuity	payments, the present value of any
remaining	guaranteed payments will be paid
in	one sum to the successor Beneficiary,
or	upon election by the successor
Beneficiary,	any remaining payments will
continue	to the successor Beneficiary. If
no	successor Beneficiary has been
designated,	the present value of any
remaining	guaranteed payments will be paid
in	one sum to the Beneficiary's estate.

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4.06 Fund(s) Annuity Units--Separate Account:

<PAGE>

4.06      Fund(s) Annuity Units -- Separate Account (Cont'd):

4.07      Fund(s) Annuity Unit Value -- Separate Account:

4.08      Annuity Net Return Factor(s) -- Separate Account:

4.09      Annuity Options:

Page 21 of 30

(e)      The present value will be determined as of the Valuation Period in which proof of death acceptable to Aetna and a request for payment is received at Aetna's Home Office. The interest rate used to determine the first payment will be used to calculate the present value.

The number of each Fund's Annuity units is
based on the amount of the first Variable
Annuity payment which is equal to:

(a)	The portion of the Current Value applied to pay a Variable Annuity (minus any premium tax); divided by
(b)	1,000; multiplied by
(c)	The payment rate for the option chosen.
	28

Such amount, or portion, of the variable
payment will be divided by the appropriate
Fund Annuity unit value (see 4.07) on the
tenth Valuation Period before the due date of
the first payment to determine the number of
each Fund Annuity units. The number of each
Fund Annuity units remains fixed. Each future
payment is equal to the sum of the products of
each Fund Annuity unit value multiplied by the
appropriate number of units. The Fund Annuity
unit value on the tenth Valuation Period prior
to the due date of the payment is used.

For any Valuation Period, a Fund Annuity unit
value is equal to:
(a) The value for the previous Period;
multiplied by
(b) The Annuity net return factor(s) (see
4.08 below) for the Period; multiplied by
(c) A factor to reflect the assumed annual
net return rate (see Contract Schedule
II).

The dollar value of a Fund(s) Annuity unit
values and Annuity payments may go up or down
due to investment gain or loss.

The Annuity net return factor(s) are used to
compute all Separate Account Annuity Payments
for any Fund.

The Annuity net return factor(s) for each Fund
is equal to 1.0000000 plus the net return
rate.

The net return rate is equal to:

(a) The value of the shares of the Fund held
by the Separate Account at the end of a
Valuation Period; minus
(b) The value of the shares of the Fund held
by the Separate Account at the start of
the Valuation Period; plus or minus
(c) Taxes (or reserves for taxes) on the
Separate Account (if any); divided by
(d) The total value of the Fund(s) Record
Units and Fund(s) Annuity Units of the
Separate Account at the start of the
Valuation Period; minus
(e) A daily charge for Annuity mortality and
expense risks, which may include profit,
and a daily administrative charge (at the
annual rate as shown on Contract Schedule
II).

A net return rate may be more or less than 0%.

The value of a share of the Fund is equal to
the net assets of the Fund divided by the
number of shares outstanding.

Payments shall not be changed due to changes
in the mortality or expense results or
administrative charges.

Option 1--Payment of Interest on Sum Left with
Aetna -- This option may be used only by the
beneficiary when the Certificate Holder dies
before Aetna has started paying an Annuity. A
portion or all of the sum paid upon death may
be held under this option and will be held in
the General Account of Aetna at interest (see
4.01). The Beneficiary may later tell Aetna

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to:

     29 <PAGE>

4.09 Annuity Options (Cont'd): (a) Pay a portion or all of the sum held by Aetna; or

(b)      Apply a portion or all of the sum held by Aetna to any Annuity option below.

If a nonspouse Beneficiary elects that some or
all of the Account is to be held under this
option, the Beneficiary must tell Aetna to pay
the full sum held under this option by December
31st of the year containing the fifth
anniversary of the Certificate Holder's date of
death.

Option 2 -- Payments for a Stated Period of
Time -- An Annuity will be paid for the number
of years chosen. The number of years must be at
least 5 and not more than 30.

If payments for this option are made under a
Variable Annuity, the present value of any
remaining payments may be withdrawn at any
time. If a withdrawal is requested within 3
years after the start of payments, it will be
treated as a surrender and any applicable
Surrender Fee will be applied (see 3.16).

Option 3 -- Life Income -- An Annuity will be
paid for the life of the Annuitant. If also
chosen, Aetna will guarantee payments for 60,
120, 180, or 240 months.

Option 4 -- Life Income Based upon the Lives of
Two Annuitants -- An Annuity will be paid
during the lives of the Annuitant and a second
Annuitant. Payments will continue until both
Annuitants have died. When this option is
chosen, a choice must be made of:

(a)	100% of the payment to continue after the first death;
(b)	66 2/3% of the payment to continue after the first death;
(c)	50% of the payment to continue after the first death;
(d)	Payments for a minimum of 120 months with 100% of the payment to continue after the first death; or
(e)	100% of the payment to continue at the death of the second Annuitant and 50% of the payment to continue at the death of the Annuitant.

Other Options -- Aetna may make other options
available as allowed by the laws of the state
in which this Contract and the certificate is
delivered.

30

<PAGE>

OPTION 2

Payments for a Stated Period of Time

Amount of First Monthly Payment for Each $1,000
After Deduction of any Charge for Premium Taxes

Rates for a Fixed Annuity with Guaranteed Interest Rate of 3.0%

<TABLE>
<CAPTION>
- --------------------------------------------------------------------------------
	Guaranteed	Monthly	Quarterly	Semi-Annual	Annual
Years	Rate	Payment	Payment	Payment	Payment
- --------------------------------------------------------------------------------
<S>	<C>	<C>	<C>	<C>	<C>
3	3.00%	$ 28.99	$ 86.76	$ 172.88	$ 343.23
4	3.00%	22.06	66.02	131.56	261.19
5	3.00%	17.91	53.59	106.78	211.99
6	3.00%	15.14	45.30	90.27	179.22
7	3.00%	13.16	39.39	78.49	155.83
8	3.00%	11.68	34.96	69.66	138.31
9	3.00%	10.53	31.52	62.81	124.69
10	3.00%	9.61	28.77	57.33	113.82
11	3.00%	8.86	26.52	52.85	104.93
12	3.00%	8.24	24.65	49.13	97.54
13	3.00%	7.71	23.08	45.98	91.29
14	3.00%	7.26	21.73	43.29	85.95
15	3.00%	6.87	20.56	40.96	81.33
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16	3.00%	6.53	19.54	38.93	77.29
17	3.00%	6.23	18.64	37.14	73.74
18	3.00%	5.96	17.84	35.56	70.59
19	3.00%	5.73	17.13	34.14	67.78
20	3.00%	5.51	16.50	32.87	65.26
21	3.00%	5.32	15.92	31.72	62.98
22	3.00%	5.15	15.40	30.68	60.92
23	3.00%	4.99	14.92	29.74	59.04
24	3.00%	4.84	14.49	28.88	57.33
25	3.00%	4.71	14.09	28.08	55.76
26	3.00%	4.59	13.73	27.36	54.31
27	3.00%	4.47	13.39	26.68	52.97
28	3.00%	4.37	13.08	26.06	51.74
29	3.00%	4.27	12.79	25.49	50.60
30	3.00%	4.18	12.52	24.95	49.53

- --------------------------------------------------------------------------------

</TABLE>

31

<PAGE>

OPTION 3

Life Income

Amount of First Monthly Payment for Each $1,000
After Deduction of any Charge for Premium Taxes

Rates for a Fixed Annuity with Guaranteed Interest Rate of 3.0%

Payments Guaranteed for a Stated Period of Months

-------------------------------------------------

<TABLE>

<CAPTION>

- --------------------------------------------------------------------------------

Adjusted

Age of	None	60	120	180	240
Annuitant

- --------------------------------------------------------------------------------

<S>	<C>	<C>	<C>	<C>	<C>
50	$ 4.05	$ 4.05	$ 4.03	$ 3.99	$ 3.93
51	4.12	4.11	4.09	4.05	3.99
52	4.19	4.19	4.16	4.11	4.04
53	4.27	4.26	4.23	4.18	4.10
54	4.35	4.34	4.31	4.25	4.16
55	4.44	4.42	4.39	4.32	4.22
56	4.53	4.51	4.47	4.40	4.29
57	4.62	4.61	4.56	4.48	4.35
58	4.72	4.71	4.65	4.56	4.42
59	4.83	4.81	4.75	4.64	4.49
60	4.95	4.93	4.86	4.73	4.55
61	5.07	5.05	4.97	4.83	4.62
62	5.20	5.17	5.08	4.92	4.69
63	5.34	5.31	5.20	5.02	4.76
64	5.49	5.45	5.33	5.12	4.83
65	5.65	5.61	5.47	5.22	4.89
66	5.82	5.77	5.61	5.33	4.96
67	6.01	5.94	5.75	5.44	5.02
68	6.20	6.13	5.91	5.54	5.08
69	6.41	6.33	6.07	5.65	5.14
70	6.64	6.54	6.23	5.76	5.19
71	6.88	6.76	6.41	5.86	5.24
72	7.14	7.00	6.59	5.97	5.28
73	7.43	7.26	6.77	6.06	5.32
74	7.73	7.53	6.96	6.16	5.35
75	8.06	7.82	7.14	6.25	5.38

- --------------------------------------------------------------------------------

</TABLE>

Rates are based on mortality from 1983 Table a. The rates do not differ by sex. Rates for ages not shown will be provided on request and will be computed on a basis consistent with the rates in the above tables.

32

<PAGE>

OPTION 4

Life Income for Two Payees

Amount of First Monthly Payment for Each $1,000
After Deduction of any Charge for Premium Taxes

Rates for a Fixed Annuity with Guaranteed Interest Rate of 3.0%

<TABLE>
<CAPTION>

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Page 24 of 30

Adjusted Ages
- -----------------------
	Second
Annuitant	Annuitant Option 4a	Option 4b	Option 4c	Option 4d	Option 4e

- --------------------------------------------------------------------------------

<S>	<C>	<C>	<C>	<C>	<C>	<C>
55	50	$ 3.69	$ 4.05	$ 4.27	$ 3.69	$ 4.03
55	55	3.88	4.25	4.47	3.87	4.14
55	60	3.99	4.44	4.71	3.98	4.42
60	55	3.99	4.44	4.71	3.98	4.42
60	60	4.24	4.71	4.99	4.23	4.57
60	65	4.38	4.97	5.32	4.38	4.93
65	60	4.38	4.97	5.32	4.38	4.93
65	65	4.72	5.33	5.70	4.71	5.14
65	70	4.93	5.68	6.15	4.91	5.66
70	65	4.93	5.68	6.15	4.91	5.66
70	70	5.40	6.21	6.70	5.36	5.96
70	75	5.69	6.68	7.32	5.62	6.67
75	70	5.69	6.68	7.32	5.62	6.67
75	75	6.37	7.45	8.15	6.23	7.12
75	80	6.78	8.11	8.99	6.54	8.13

- --------------------------------------------------------------------------------

</TABLE>

Rates are based on mortality from 1983 Table a. The rates do not differ by sex. Rates for ages not shown will be provided on request and will be computed on a basis consistent with the rates in the above tables.

33

<PAGE>

OPTION 2

Payments for a Stated Period of Time

Amount of First Monthly Payment for Each $1,000
After Deduction of any Charge for Premium Taxes

Rates for a Variable Annuity with Assumed Net Return Rate of 3.5%

<TABLE>
<CAPTION>
	Monthly	Quarterly	Semi-Annual	Annual
Years	Payment	Payment	Payment	Payment

- ------------------------------------------------------------------

<S>		<C>	<C>	<C>	<C>
	3	$ 29.19	$ 87.33	$ 173.91	$ 344.86
	4	22.27	66.61	132.65	263.04
	5	18.12	54.19	107.92	213.99
	6	15.35	45.92	91.44	181.32
	7	13.38	40.01	79.69	158.01
	8	11.90	35.59	70.88	140.56
	9	10.75	32.16	64.05	127.00
	10	9.83	29.42	58.59	116.18
	11	9.09	27.18	54.13	107.34
	12	8.46	25.32	50.42	99.98
	13	7.94	23.75	47.29	93.78
	14	7.49	22.40	44.62	88.47
	15	7.10	21.24	42.31	83.89
	16	6.76	20.23	40.29	79.89
	17	6.47	19.34	38.51	76.37
	18	6.20	18.55	36.94	73.25
	19	5.97	17.85	35.54	70.47
	20	5.75	17.22	34.28	67.98
	21	5.56	16.65	33.15	65.74
	22	5.39	16.13	32.13	63.70
	23	5.24	15.66	31.19	61.85
	24	5.09	15.24	30.34	60.17
	25	4.96	14.85	29.56	58.62
	26	4.84	14.49	28.85	57.20
	27	4.73	14.15	28.19	55.90
	28	4.63	13.85	27.58	54.69
	29	4.53	13.57	27.02	53.57
	30	4.45	13.30	26.49	52.53

- ------------------------------------------------------------------

</TABLE>

34

<PAGE>

OPTION 2

Payments for a Stated Period of Time

Amount of First Monthly Payment for Each $1,000
After Deduction of any Charge for Premium Taxes

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Page 25 of 30

Rates for a Variable Annuity with Assumed Net Return Rate of 5.0%

<TABLE>

<CAPTION>

- --------------------------------------------------------------------------------

	Monthly	Quarterly	Semi-Annual	Annual
Years	Payment	Payment	Payment	Payment

- --------------------------------------------------------------------------------

<S>	<C>	<C>	<C>	<C>
3	$ 29.80	$ 89.04	$ 176.99	$ 349.72
4	22.89	68.38	135.93	268.58
5	18.74	56.00	111.33	219.98
6	15.99	47.77	94.96	187.64
7	14.02	41.90	83.30	164.59
8	12.56	37.52	74.58	147.35
9	11.42	34.11	67.81	133.99
10	10.51	31.40	62.42	123.34
11	9.77	29.19	58.03	114.66
12	9.16	27.36	54.38	107.45
13	8.64	25.81	51.31	101.39
14	8.20	24.50	48.69	96.21
15	7.82	23.36	46.44	91.75
16	7.49	22.37	44.47	87.88
17	7.20	21.51	42.75	84.48
18	6.94	20.74	41.23	81.47
19	6.71	20.06	39.88	78.80
20	6.51	19.46	38.68	76.42
21	6.33	18.91	37.59	74.28
22	6.17	18.42	36.62	72.35
23	6.02	17.98	35.73	70.61
24	5.88	17.57	34.93	69.02
25	5.76	17.20	34.20	67.57
26	5.65	16.87	33.53	66.25
27	5.54	16.56	32.92	65.04
28	5.45	16.28	32.35	63.93
29	5.36	16.01	31.83	62.90
30	5.28	15.77	31.35	61.95

- --------------------------------------------------------------------------------

</TABLE>

35

<PAGE>

OPTION 3

Life Income

Amount of First Monthly Payment for Each $1,000
After Deduction of any Charge for Premium Taxes

Rates for a Variable Annuity with Assumed Net Return Rate of 3.5%

	Payments Guaranteed for a Stated Period of Months
	-------------------------------------------------
<TABLE>
<CAPTION>
- --------------------------------------------------------------------------------
Adjusted
Age of	None	60	120	180	240
Annuitant
- --------------------------------------------------------------------------------
<S>	<C>	<C>	<C>	<C>	<C>
50	$ 4.34	$ 4.34	$ 4.31	$ 4.27	$ 4.22
51	4.41	4.40	4.38	4.33	4.27
52	4.48	4.47	4.45	4.40	4.32
53	4.56	4.55	4.52	4.46	4.38
54	4.64	4.63	4.59	4.53	4.44
55	4.72	4.71	4.67	4.60	4.50
56	4.81	4.80	4.75	4.67	4.56
57	4.91	4.89	4.84	4.75	4.62
58	5.01	4.99	4.93	4.83	4.69
59	5.12	5.10	5.03	4.92	4.75
60	5.23	5.21	5.13	5.00	4.82
61	5.36	5.33	5.24	5.09	4.88
62	5.49	5.45	5.35	5.19	4.95
63	5.63	5.59	5.47	5.28	5.02
64	5.78	5.73	5.60	5.38	5.08
65	5.94	5.89	5.73	5.48	5.15
66	6.11	6.05	5.87	5.58	5.21
67	6.29	6.22	6.02	5.69	5.27
68	6.49	6.41	6.17	5.79	5.33
69	6.70	6.60	6.33	5.90	5.38
70	6.92	6.81	6.49	6.00	5.43
71	7.17	7.04	6.66	6.10	5.48
72	7.43	7.27	6.84	6.20	5.52
73	7.71	7.53	7.02	6.30	5.55
74	8.02	7.80	7.20	6.39	5.59
75	8.35	8.08	7.38	6.48	5.62
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Page 26 of 30

- --------------------------------------------------------------------------------</TABLE>

Rates are based on mortality from 1983 Table a. The rates do not differ by sex. Rates for ages not shown will be provided on request and will be computed on a basis consistent with the rates in the above tables.

36

<PAGE>

OPTION 3

Life Income

Amount of First Monthly Payment for Each $1,000
After Deduction of any Charge for Premium Taxes

Rates for a Variable Annuity with Assumed Net Return Rate of 5.0%

Payments Guaranteed for a Stated Period of Months

-------------------------------------------------

<TABLE>

<CAPTION>

- --------------------------------------------------------------------------------

Adjusted

Age of	None	60	120	180	240
Annuitant

- --------------------------------------------------------------------------------

<S>	<C>	<C>	<C>	<C>	<C>
50	$ 5.26	$ 5.25	$ 5.22	$ 5.17	$ 5.11
51	5.33	5.32	5.28	5.23	5.15
52	5.40	5.38	5.34	5.29	5.20
53	5.47	5.45	5.41	5.35	5.26
54	5.54	5.53	5.48	5.41	5.31
55	5.63	5.61	5.56	5.47	5.36
56	5.71	5.69	5.63	5.54	5.42
57	5.80	5.78	5.72	5.61	5.47
58	5.90	5.88	5.81	5.69	5.53
59	6.01	5.98	5.90	5.77	5.59
60	6.12	6.09	6.00	5.85	5.65
61	6.24	6.21	6.10	6.93	5.71
62	6.37	6.33	6.21	6.02	5.77
63	6.51	6.46	6.33	6.11	5.83
64	6.66	6.60	6.45	6.20	5.89
65	6.82	6.75	6.57	6.30	5.95
66	6.99	6.91	6.71	6.39	6.01
67	7.17	7.08	6.85	6.49	6.06
68	7.36	7.27	6.99	6.59	6.12
69	7.57	7.46	7.15	6.69	6.17
70	7.80	7.67	7.30	6.78	6.21
71	8.05	7.89	7.47	6.88	6.25
72	8.31	8.13	7.64	6.97	6.29
73	8.59	8.38	7.81	7.06	6.33
74	8.90	8.64	7.99	7.15	6.36
75	9.23	8.93	8.16	7.23	6.38

- --------------------------------------------------------------------------------

</TABLE>

Rates are based on mortality from 1983 Table a. The rates do not differ by sex. Rates for ages not shown will be provided on request and will be computed on a basis consistent with the rates in the above tables.

37

<PAGE>

OPTION 4

Life Income for Two Payees

Amount of First Monthly Payment for Each $1,000
After Deduction of any Charge for Premium Taxes

Rates for a Variable Annuity with Assumed Net Return Rate of 3.5%

<TABLE>
<CAPTION>

• -------------------------------------------------------------------------------- Adjusted Ages

• --------------------

	Second
Annuitant	Annuitant	Option 4a	Option 4b	Option 4c	Option 4d	Option 4e
- --------------------------------------------------------------------------------
<S>	<C>	<C>	<C>	<C>	<C>	<C>
55	50	$ 3.97	$ 4.35	$ 4.56	$ 3.97	$ 4.31
55	55	4.16	4.54	4.76	4.15	4.42
55	60	4.27	4.73	5.00	4.26	4.48
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Page 27 of 30

60	55	4.27	4.73	5.00	4.26	4.70
60	60	4.51	4.99	5.27	4.50	4.84
60	65	4.66	5.25	5.61	4.65	4.93
65	60	4.66	5.25	5.61	4.65	5.22
65	65	4.99	5.61	5.99	4.98	5.42
65	70	5.19	5.97	6.44	5.17	5.54
70	65	5.19	5.97	6.44	5.17	5.93
70	70	5.67	6.49	6.99	5.62	6.23
70	75	5.95	6.96	7.61	5.87	6.40
75	70	5.95	6.96	7.61	5.87	6.95
75	75	6.64	7.73	8.43	6.48	7.40
75	80	7.04	8.39	9.29	6.79	7.64

- --------------------------------------------------------------------------------

</TABLE>

Rates are based on mortality from 1983 Table a. The rates do not differ by sex. Rates for ages not shown will be provided on request and will be computed on a basis consistent with the rates in the above tables.

38

<PAGE>

OPTION 4

Life Income for Two Payees

Amount of First Monthly Payment for Each $1,000
After Deduction of any Charge for Premium Taxes

Rates for a Variable Annuity with Assumed Net Return Rate of 5.0%

<TABLE>
<CAPTION>

• -------------------------------------------------------------------------------- Adjusted Ages

• --------------------

Second

Annuitant Annuitant Option 4a Option 4b Option 4c Option 4d Option 4e - --------------------------------------------------------------------------------

<S>	<C>	<C>	<C>	<C>	<C>	<C>
55	50	$ 4.88	$ 5.26	$ 5.48	$ 4.88	$ 5.23
55	55	5.04	5.44	5.66	5.04	5.32
55	60	5.15	5.63	5.91	5.14	5.38
60	55	5.15	5.63	5.91	5.14	5.59
60	60	5.37	5.87	6.16	5.37	5.72
60	65	5.52	6.14	6.51	5.51	5.80
65	60	5.52	6.14	6.51	5.51	6.10
65	65	5.83	6.49	6.87	5.82	6.29
65	70	6.04	6.84	7.34	6.00	6.41
70	65	6.04	6.84	7.34	6.00	6.81
70	70	6.49	7.35	7.87	6.44	7.08
70	75	6.77	7.84	8.51	6.68	7.25
75	70	6.77	7.84	8.51	6.68	7.81
75	75	7.45	8.60	9.33	7.27	8.25
75	80	7.86	9.28	10.20	7.57	8.49

- --------------------------------------------------------------------------------

</TABLE>

Rates are based on mortality from 1983 Table a. The rates do not differ by sex. Rates for ages not shown will be provided on request and will be computed on a basis consistent with the rates in the above tables.

39

<PAGE>

- --------------------------------------------------------------------------------

[LOGO OF AETNA INSURANCE COMPANY OF AMERICA APPEARS HERE]

Aetna Insurance Company of America
Home Office; 151 Farmington Avenue
Hartford, Connecticut 06156
(800) 531-4547

Group Variable, Fixed, or Combination Annuity Contract
Nonparticipating

- --------------------------------------------------------------------------------

ALL PAYMENTS AND VALUES PROVIDED BY THE GROUP CONTRACT, WHEN BASED ON INVESTMENT
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Page 28 of 30

EXPERIENCE OF A SEPARATE ACCOUNT, ARE VARIABLE AND ARE NOT GUARANTEED AS TO FIXED DOLLAR AMOUNT. THIS CONTRACT CONTAINS A MARKET VALUE ADJUSTMENT FORMULA. APPLICATION OF A MARKET VALUE ADJUSTMENT MAY RESULT IN EITHER AN INCREASE OR DECREASE IN THE CURRENT VALUE. THE MARKET VALUE ADJUSTMENT FORMULA DOES NOT APPLY TO A GUARANTEED TERM AT THE TIME OF ITS MATURITY.

<PAGE>

Aetna Insurance Company of America

Endorsement

This Contract is endorsed as follows.

Add the following to Section I General Definitions:

Dollar Cost Averaging - A program that permits the Certificate Holder to systematically transfer amounts from any of the Funds and the one-year MG Account Guaranteed Term to any of the Funds by completing the appropriate section of the enrollment form or a Dollar Cost Averaging election form.

Delete Section 1.21, Market Value Adjustment, and replace it with the following.

1.21      Market Value Adjustment - An adjustment that may apply to an amount withdrawn or transferred from an MG Account Guaranteed Term prior to the end of that Guaranteed Term. The adjustment reflects the change in the value of the investment due to changes in interest rates since the date of deposit and is computed using the formula given in 3.06. The adjustment is expressed as a percentage of each dollar withdrawn or transferred.

Delete the first two paragraphs of Section 3.06, Market Value Adjustment, and replace it with the following:

3.06	Market Value Adjustment - Except as noted below, there will be an MVA
	for	a withdrawal from the MG Account before the end of a Guaranteed
	Term	when the withdrawal is due to:
	(a)	A Transfer, except for Transfers from the one-year MG Account Guaranteed Term under the Dollar Cost Averaging program or, as specified in MG Account Matured Term Value Transfer;
	(b)	A full or partial surrender (including a 10% free withdrawal under 3.16), except for a partial withdrawal under the Systematic Withdrawal Option (see 3.10); or
	(c)	An election of Annuity option 2 (see 4.09).
	Full	and partial surrenders and Transfers made within six months after
	the	date of the Annuitant's death will be the greater of:
	(a)	The aggregate MVA amount which is the sum of all market value adjusted amounts calculated due to a withdrawal of amounts. This total may be greater or less than the Current Value of those amounts; or

<PAGE>

(b) The applicable portion of the Current Value in the MG Account.

Delete Section 3.07, Transfer of Current Value from the Funds or MG Account, and replace it with the following:

3.07	Transfer of Current Value from the Funds or MG Account - Before an
	Annuity	option is elected, all or any portion of the Adjusted Current
	Value	of the Certificate Holder's Account may be transferred from any
	Fund	or Guaranteed Term of the MG Account:
	(a)	To any other Fund; or
	(b)	To any Guaranteed Term of the MG Account available in the current Deposit Period.
	Transfer	requests can be submitted as a percentage or as a dollar
	amount.	Aetna may establish a minimum transfer amount. Within a
	Guaranteed	Term Group, the amount to be surrendered to transferred
	will	be withdrawn first from the oldest Deposit Period, then from the
	next	oldest, and so on until the amount requested is satisfied.
	The	Certificate Holder may make an unlimited number of Transfers
	during	the Accumulation Period. The number of free Transfers allowed
	by	Aetna is shown on Contract Schedule I. Additional Transfers may be
	subject	to a Transfer fee as shown on Contract Schedule I.
	Amounts	transferred from the MG Account under the Dollar Cost
	Averaging	program, or amounts transferred as a Matured Term Value on
	or	within one calendar month of the Term's Maturity Date, do not count
	against	the annual Transfer limit.
	Amounts	applied to Guaranteed Terms of the MG Account may not be

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03/22/2018

Page 29 of 30

transferred to the Funds or to another Guaranteed Term during the
Deposit Period or for 90 days after the close of the Deposit Period
except for (1) a Matured Term Value(s) during the calendar month
following the Term's Maturity Date and (2) amounts transferred from
the one-year MG Account Guaranteed Term under the Dollar Cost
Averaging program.

2

<PAGE>

Delete the first paragraph in Subsection 3.11(a), Estate Conservation Option (ECO), and replace it with the following:

(a)      Estate Conservation Option (ECO) - A distribution option under which a portion of the Account's Current Value will be surrendered automatically and distributed each year. ECO payments will be calculated based on the Account's full Current Value. The distributed amount will be withdrawn pro rata from each investment option used under the Account. A Surrender Fee will not be deducted from any portion of the Current Value which is paid as a distribution under ECO. Certificate Holders should consult their tax advisor prior to requesting this distribution option. Aetna will not be responsible for any adverse tax consequences due to receiving ECO payments.

Delete the first paragraph 3.11(b), Systematic Withdrawal Option (SWO), and replace it with the following:

(b)      Systematic Withdrawal Option (SWO) - A distribution option under which a portion of the Account's Current Value will be surrendered automatically and distributed each year. SWO payments will be calculated based on the Account's full Current Value. The distributed amount will be withdrawn pro rata from each investment option used under the Account. A Surrender Fee will not be deducted from any portion of the Current Value which is paid as a distribution under SWO. Certificate Holders should consult their tax advisor prior to requesting this distribution option. Aetna will not be responsible for any adverse tax consequences due to receiving SWO payments.

Delete Section 3.12, Death Benefit Amount, and replace it with the following:

3.12	Death Benefit Amount - If the Certificate Holder or Annuitant dies
	before	Annuity payments start, the Beneficiary is entitled to a death
	benefit	under the Account. The claim date is the date when proof of
	death	and the Beneficiary's claim are received in good order at
	Aetna's	Home Office. The amount of the death benefit is determined as
	follows:
	(a)	Death of Certificate Holder/Annuitant less than 75 years of age: The guaranteed death benefit is the greatest of:

(1) The sum of all Net Purchase Payment(s) made to the Account
(as of the date of death) minus the sum of all amounts
surrendered, applied to an Annuity, or deducted from the
Account;

3

<PAGE>

(2) The highest step-up value as of the date of death. A step-up
value is determined on each anniversary of the Effective Date.
Each step-up value is calculated as the Account's Current
Value on the Effective Date anniversary, increased by the
amount of any Purchase Payment(s) made, and decreased by the
sum of all amounts surrendered, deducted, and/or applied to an
Annuity option since the Effective Date anniversary.

(3) The Account's Current Value as of the date of death.

The excess, if any, of the guaranteed death benefit value over the
Account's Current Value is determined as of the date of death. Any
excess amount will be deposited in the Account and allocated to
the Aetna Variable Encore Fund as of the claim date. The Current
Value on the claim date, plus any excess amount deposited, becomes
the Account's Current Value.

(b)      Death of Certificate Holder/Annuitant age 75 or greater: The death benefit amount is the greatest of:

(1) The sum of all Net Purchase Payment(s) made to the Account (as
of the date of death) minus the sum of all amounts
surrendered, applied to an Annuity, or deducted from the
Account;

(2) The highest step-up value prior to the Certificate Holder's
75th birthday. A step-up value is determined on each
anniversary of the Effective Date. Each step-up value is
calculated as the Account's Current Value on the Effective
Date anniversary, increased by the amount of any Purchase
Payment(s) made, and decreased by the sum of all amounts
surrendered, deducted, and/or applied to an Annuity option
since the Effective Date anniversary.

(3) The Account's Current Value as of the date of death.

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The excess, if any, of the guaranteed death benefit value over the
Account's Current Value is determined as of the date of death. Any
excess amount will be deposited in the Account and allocated to
the Aetna Variable Encore Fund as of the claim date. The Current
Value on the claim date, plus any excess amount deposited, becomes
the Account's Current Value.

(c)      At the death of a surviving spouse Beneficiary who continued the Account in his or her own name, the death benefit amount is equal to the Account's Current Value less any applicable Surrender Fee on the amount of any Purchase Payment(s) made since the death of the Certificate Holder.

4

<PAGE>

Delete Section 3.15, Liquidation of Surrender Value, and replace it with the following:

3.15      Liquidation of Surrender Value - All or any portion of the Account's Current Value may be surrendered at any time. Surrender requests can be submitted as a percentage of the Account's Current Value or as a specific dollar amount. Net Purchase Payment amounts are withdrawn first, and then the excess value, if any. For any partial surrender, amounts are withdrawn on a pro rata basis from the Fund(s) and/or the Guaranteed Term(s) Groups of the MG Account in which the Current Value is invested. Within a Guaranteed Term Group, the amount to be surrendered or transferred will be withdrawn first from the oldest Deposit Period, then from the next oldest, and so on until the amount requested is satisfied.

After deduction the Maintenance Fee, if applicable, the surrendered amount shall be reduced by a Surrender Fee, if applicable. An MVA may apply to amounts surrendered from the MG Account.

Endorsed and made part of this Contract on the Effective Date of the Contract.

/s/ SIGNATURE APPEARS HERE

President
Aetna Insurance Company of America

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EX-16

Exhibit 16(4)(b)
	Aetna Insurance Company of America
[LOGO OF	Home Office: 151 Farmington Avenue
AETNA	Hartford, Connecticut 06156
APPEARS	(800) 531-4547
HERE]
	You may call the toll-free number shown above to get answers to
	your questions or help to resolve a complaint.
	Aetna Insurance Company of America, herein called Aetna, agrees
	to pay the benefits stated in this Contract.
Specifications
- --------------------------------------------------------------------------------
Plan
MARATHON PLUS
- --------------------------------------------------------------------------------
Type of Plan
FLEXIBLE PREMIUM ACCOUNT
- --------------------------------------------------------------------------------
Contract Holder
E.G. ANYBROKER
- --------------------------------------------------------------------------------
Contract No.
SPECIMEN
- --------------------------------------------------------------------------------
Effective Date
SEPTEMBER 1, 1993
- --------------------------------------------------------------------------------
This Contract is Delivered in YOUR STATE			and is Subject to the
Laws of that Jurisdiction
THE VARIABLE FEATURES OF THE GROUP CONTRACT ARE DESCRIBED IN PARTS III AND V.
Right to Cancel
- --------------------------------------------------------------------------------
The contract Holder may cancel this Contract within 10 days of receiving it by
returning this Contract along with a written notice to Aetna at the above
address or to the agent from whom it was purchased. Within 7 days after it
receives the notice of cancellation and this Contract at its Home Office, Aetna
will return the entire consideration paid plus any increase or minus any
decrease in the	current value of any funds allocated to the Separate Account.
This page, the following pages, and the application make up the entire Contract.
Signed at the Home Office on the Effective Date.
/s/SIGNATURE APPEARS HERE			/s/SIGNATURE APPEARS HERE
President			Secretary
Group Variable, Fixed, or Combination Annuity Contract
		Nonparticipating
ALL PAYMENTS AND VALUES PROVIDED BY THE GROUP CONTRACT, WHEN BASED ON INVESTMENT
EXPERIENCE OF A SEPARATE ACCOUNT, ARE VARIABLE AND ARE NOT GUARANTEED AS TO
FIXED DOLLAR AMOUNT. THIS CONTRACT CONTAINS A MARKET VALUE ADJUSTMENT FORMULA.
APPLICATION OF A MARKET VALUE ADJUSTMENT MAY RESULT IN EITHER AN INCREASE OR
DECREASE IN THE CURRENT VALUE. THE MARKET VALUE ADJUSTMENT FORMULA DOES NOT
APPLY TO A GUARANTEED TERM AT THE TIME OF ITS MATURITY.
<PAGE>
Specifications
- --------------------------------------------------------------------------------
Guaranteed		There is a guaranteed interest rate for Purchase
Interest Rate		Payment(s) held in the MG Account. (See Contract
		Schedule I).
- --------------------------------------------------------------------------------
Deductions from		There will be deductions for mortality and expense risks
the Separate		and administrative fees. (See Contract Schedule I and
Account		II).
- --------------------------------------------------------------------------------
Deduction from		Purchase Payment(s) are subject to a deduction for
Purchase Payment(s)		premium taxes, if any. (See 3.01).
- --------------------------------------------------------------------------------
Surrender Fee		There will be a charge deducted upon surrender. (See
		Contract Schedule I).
This Contract is a legal contract and constitutes the entire legal relationship
between Aetna and the Contract Holder.

Page 2 of 30

READ THIS CONTRACT CAREFULLY. This Contract sets forth, in detail, all of the rights and obligations of both you and Aetna. IT IS THEREFORE IMPORTANT THAT YOU READ THIS CONTRACT CAREFULLY.

2

<PAGE>

Contract Schedule I
Accumulation Period

Separate Account

- --------------------------------------------------------------------------------

Separate Account:	Variable Annuity Account I
Charges to Separate	A daily charge is deducted from any portion of
Account:	the Current Value allocated to the Separate
	Account. The deduction is the daily equivalent
	of the annual effective percentage shown in the
following chart:
	Administrative Charge	0.15%
	Mortality Risk Charge	0.35%
	Expense Risk Charge	0.90%
		-----
	Total Separate Account Charges	1.40%

Marathon Guaranteed Account (MG Account)

- --------------------------------------------------------------------------------

Minimum Guaranteed Interest Rate (effective
annual rate of return): 3.0%.

Separate Account and MG Account

- --------------------------------------------------------------------------------

Transfers:	An unlimited number of Transfers may be made during the Accumulation Period. Aetna allows 12 free Transfers in any calendar year. Thereafter, Aetna reserves the right to charge $10 for each subsequent Transfer.
Maintenance Fee:	The annual Maintenance Fee is $30. If the Account's Current Value is $50,000 or more on the date the Maintenance Fee is to be deducted, the Maintenance Fee is $0.

3

<PAGE>

Contract Schedule I (Continued)
Accumulation Period

Separate Account and MG Account (Cont'd)

- --------------------------------------------------------------------------------

Surrender Fee:	For each surrender, the Surrender Fee for each
	Net Purchase Payment will be determined as
	follows:
<TABLE>
<CAPTION>
		Surrender Fee
	Length of Time from Deposit of Net	(as percentage of
	Purchase Payment (Years)	Net Purchase Payment)
	<S>	<C>
	Less than 2 years	7%
	2 or more but less than 4 years	6%
	4 or more but less than 5 years	5%
	5 or more but less than 6 years	4%
	6 or more but less than 7 years	3%
	7 years or more	0%
</TABLE>
Systematic	The specified payment or specified percentage
Withdrawal Option	may not be greater than 10% of the Account's
(SWO):	Current Value at time of election.

See 1. GENERAL DEFINITIONS for explanations.

4

<PAGE>

Contract Schedule II
Annuity Period

Separate Account

- -------------------------------------------------------------------------------

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Charges to Separate Account:

A daily charge at an annual effective rate of 1.25% for Annuity mortality and expense risks. The administrative charge is established upon election of an Annuity option. This charge will not exceed 0.25%.

Variable Annuity Assumed Annual Net Return Rate:

If a Variable Annuity is chosen, an assumed annual net return rate of 5.0% may be elected. If 5.0% is not elected, Aetna will use an assumed annual net return rate of 3.5%. The assumed annual net return rate factor for 3.5% per year is 0.9999058. The assumed annual net return rate factor for 5.0% per year is 0.9998663. If the portion of a Variable Annuity payment for any Fund is not to decrease, the Annuity return factor under the Separate Account for that Fund must be: (a) 4.75% on an annual basis plus an annual return of up to 0.25% to offset the administrative charge set at the time Annuity payments commence if an assumed annual net return rate of 3.5% is chosen; or (b) 6.25% on an annual basis plus an annual return of up to 0.25% to offset the administrative charge set at the time Annuity payments commence, if an assumed annual net return rate of 5% is chosen.

Fixed Annuity

- --------------------------------------------------------------------------------

Minimum Guaranteed Interest Rate (effective annual
rate of return): 3.0%

See 1. GENERAL DEFINITIONS for explanations.

5

<PAGE>

TABLE OF CONTENTS

I. GENERAL DEFINITIONS
- ---------------------------------------------------------------

Page

1.01	Account	9
1.02	Accumulation Period	9
1.03	Adjusted Current Value	9
1.04	Annuitant	9
1.05	Annuity	9
1.06	Beneficiary	9
1.07	Certificate Holder	9
1.08	Code	9
1.09	Contract	9
1.10	Contract Holder	9
1.11	Current Value	10
1.12	Deposit Period	10
1.13	Fixed Annuity	10
1.14	Fund(s)	10
1.15	General Account	10
1.16	Guaranteed Rates - MG Account	10
1.17	Guaranteed Term	10
1.18	Guaranteed Term(s) Groups	10
1.19	Maintenance Fee	11
1.20	Marathon Guaranteed Account (MG Account)	11
1.21	Market Value Adjustment (MVA)	11
1.22	Matured Term Value	11
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1.23	Matured Term Value Transfer	11
1.24	Maturity Date	11
1.25	Net Purchase Payment(s)	11
1.26	Nonunitized Separate Account	11
1.27	Purchase Payment(s)	11
1.28	Reinvestment	11
1.29	Separate Account	12

6

<PAGE>

		Page
1.30	Surrender Value	12
1.31	Transfers	12
1.32	Valuation Period (Period)	12
1.33	Variable Annuity	12

II. GENERAL PROVISIONS
- -----------------------------------------------------------------
2.01	Change of Contract	12
2.02	Change of Fund(s)	13
2.03	Nonparticipating Contract	14
2.04	Payments and Elections	14
2.05	State Laws	14
2.06	Control of Contract	14
2.07	Designation of Beneficiary	14
2.08	Misstatements and Adjustments	15
2.09	Incontestability	15
2.10	Grace Period	15
2.11	Individual Certificates	15

III. PURCHASE PAYMENT, CURRENT VALUE, AND SURRENDER PROVISIONS
- -----------------------------------------------------------------

3.01	Net Purchase Payment	15
3.02	Certificate Holder's Account	15
3.03	Fund(s) Record Units -- Separate Account	16
3.04	Net Return Factor(s) -- Separate Account	16
3.05	Fund Record Unit Value -- Separate Account	16
3.06	Market Value Adjustment	16
3.07	Transfer of Current Value from the Funds or MG Account	18
3.08	Notice to the Certificate Holder	18
3.09	Loans	18
3.10	Systematic Withdrawal Option (SWO)	18
3.11	Death Benefit Amount	20
3.12	Death Benefit Options available to Beneficiary	20

7

<PAGE>

Page
3.13	Liquidation of Surrender Value	22
3.14	Surrender Fee	22
3.15	Payment of Surrender Value	23
3.16	Reinstatement	23
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3.17 Payment of Adjusted Current Value

24

IV. ANNUITY PROVISIONS
- ----------------------------------------------------------------

4.01	Choices to be Made	24
4.02	Terms of Annuity Options	24
4.03	Death of Annuitant/Beneficiary	25
4.04	Fund(s) Annuity Units -- Separate Account	26
4.05	Fund(s) Annuity Unit Value -- Separate Account	27
4.06	Annuity Net Return Factor(s) -- Separate Account	27
4.07	Annuity Options	27

8

<PAGE>

I.	GENERAL DEFINITIONS
-	--------------------------------------------------------------------------------

1.01	Account:
1.02	Accumulation Period:
1.03	Adjusted Current Value:
1.04	Annuitant:
1.05	Annuity:
1.06	Beneficiary:
1.07	Certificate Holder:
1.08	Code:
1.09	Contract
1.10	Contract Holder:

A record established for each Certificate Holder to maintain the value of all Net Purchase Payments held on his/her behalf during the Accumulation Period.

The period during which the Net Purchase Payment(s) are applied to an Account to provide future Annuity payment(s).

The Current Value of an Account plus or minus any aggregate MG Account MVA, if applicable. (See 1.21)

The person whose life is measured for purposes of the guaranteed death benefit and the duration of Annuity payments under this Contract.

Payment of an income:

(a)	For the life of one or two persons;
(b)	For a stated period; or
(c)	For some combination of (a) and (b).

The individual or estate entitled to receive any payment from the Account upon the death of the Annuitant.

A person who purchases an interest in this Contract as evidenced by a certificate. A Certificate Holder cannot be a nonnatural person (i.e. a trustee for a trust, an executor or administrator for an estate, or an incorporated or unincorporated business).

The Internal Revenue Code of 1986, as it may be amended from time to time.

This agreement between Aetna and the Contract Holder.

The entity to which the Contract is issued. The Contract is offered to:

(a)	National Association of Securities Dealers, Inc. (``NASD'') member broker-dealers selected by Aetna, who have a minimum net capital of $250,000 or more, including broker-dealer subsidiaries of banks and savings and loan associations;
(b)	Employers who sponsor nonqualified benefit plans for their employees (exempt from ERISA Title I);
(c)	Entities that contribute to annuities on behalf of their customers; and
(d)	Custodians of custodial accounts and trustees of trusts that have been established for Individual Retirement Accounts under Code Section 408.

9

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<PAGE>

1.11 Current Value:

1.12 Deposit Period:

1.13 Fixed Annuity:

1.14	Fund(s):
1.15	General Account:
1.16	Guaranteed Rates-- MG Account:

1.17 Guaranteed Term:

1.18 Guaranteed Term(s) Groups:

<PAGE>

1.19 Maintenance Fee

1.20 Marathon Guaranteed Account (MG Account):

As of the most recent Valuation Period, the Net Purchase Payment and any additional amount deposited pursuant to 3.11 plus any interest added to the portion allocated to the MG Account; and plus or minus the investment experience of the portion allocated to the Funds since deposit; less all Maintenance Fees deducted, any amounts surrendered and any amounts applied to an Annuity.

A calendar week, a calendar month, a calendar quarter, or any other period of time specified by Aetna during which Net Purchase Payment(s), Transfers and Reinvestments are accepted into the MG Account for one or more Guaranteed Terms. Aetna reserves the right to extend the Deposit Period.

An Annuity with payments that do not vary in amount.

The open-end management investment companies (mutual funds) in which the Separate Account invests.

The Account holding the assets of Aetna, other than those assets held in Aetna's separate accounts.

Aetna will declare the interest rate(s) applicable to a specific Guaranteed Term at the start of the Deposit Period for that Guaranteed Term. The rate(s) are guaranteed by Aetna for the Deposit Period and the ensuing Guaranteed Term. The Guaranteed Rates are annual effective yields. That is, interest is credited daily at a rate that will produce the Guaranteed Rate over the period of a year. No Guaranteed Rate will ever be less than the Minimum Guaranteed Rate shown on Contract Schedule I.

For Guaranteed Terms of one year or less, one Guaranteed Rate is credited for the full Guaranteed Term. For longer Guaranteed Terms, an initial Guaranteed Rate is credited from the date of deposit to the end of a specified period within the Guaranteed Term. There may be different Guaranteed Rate(s) declared for subsequent specified time intervals throughout the Guaranteed Term.

The period of time for which MG Account Guaranteed Rates are guaranteed on Net Purchase Payments, Transfers and Reinvestments made into a current Deposit Period for the MG Account. Such period begins on the day following the close of the Deposit Period and ends on the designated Maturity Date. Guaranteed Terms are offered at Aetna's discretion for various lengths of time ranging up to and including ten years.

During a Deposit Period, Aetna may make available any number of Guaranteed Terms. The Certificate Holder may allocate Net Purchase Payments and Transfers into any or all of the available Guaranteed Terms.

All MG Account Guaranteed Term(s) with the same length of time from the close of the Deposit Period until the designated Maturity Date.

10

The Maintenance Fee (see Contract Schedule I) will be deducted during the Accumulation Period from the Current Value on each anniversary of the date the Account is established and upon surrender of the entire Account.

An accumulation option where Aetna guarantees stipulated rate(s) of interest for specified periods of time. All assets of Aetna, including amounts in the Nonunitized Separate Account, are available to meet the guarantees under the MG Account.

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		Page 7 of 30
1.21 Market Value Adjustment	An adjustment to the amount withdrawn or
(MVA):	transferred from an MG Account Guaranteed Term
	prior to the end of that Guaranteed Term. The
	adjustment reflects the change in the value of
	the investment due to changes in interest rates
	since the date of deposit and is computed using
	the formula given in 3.06. The adjustment is
	expressed as a percentage of each dollar being
	withdrawn.
1.22 Matured Term Value:	The amount payable on an MG Account Guaranteed
	Term's Maturity Date.
1.23 Matured Term Value	During the calendar month following an MG
Transfer:	Account Maturity Date, the Certificate Holder
	may notify Aetna's Home Office in writing to
	Transfer or surrender all or part of the
	Matured Term Value, plus interest at the new
	Guaranteed Rate accrued thereon, from the MG
	Account without an MVA. This provision only
	applies to the first such written request
	received from the Certificate Holder during
	this period for any Matured Term Value.
1.24 Maturity Date:	The last day of an MG Account Guaranteed Term.
1.25 Net Purchase Payment(s):	The Purchase Payment less premium taxes, as
	applicable.
1.26 Nonunitized Separate	A separate account set up by Aetna under Title
Account:	38, Section 38a-433, of the Connecticut General
	Statutes, that holds assets for MG Account
	Terms. There are no discrete units for this
	Account. The Certificate Holder does not
	participate in the investment gain or loss from
	the assets held in the Nonunitized Separate
	Account. Such gain or loss is borne entirely by
	Aetna. These assets may be chargeable with
	liabilities arising out of any other business
	of Aetna.
1.27 Purchase Payment(s):	Payment(s) accepted by Aetna at its Home
	Office. Aetna reserves the right to refuse to
	accept any Purchase Payment at any time for any
	reason. No advance notice will be given to the
	Contract Holder or Certificate Holder.
1.28 Reinvestment:	Aetna will mail a notice to the Certificate
	Holder at least 18 calendar days before a
	Guaranteed Term's Maturity Date. This notice
	will contain the Terms available during the
	current Deposit Periods with their Guaranteed
	Rate(s) and projected Matured Term Value. If no
	specific direction is given by the Certificate
	Holder prior to the Maturity Date, each Matured
	Term Value will be reinvested in the current
	Deposit Period for a Guaranteed Term of the
	same duration. If a Guaranteed Term of
	11
<PAGE>
1.28 Reinvestment (Cont'd):	the same duration is unavailable, each Matured
	Term Value will automatically be reinvested in
	the current Deposit Period for the next
	shortest Guaranteed Term available. If no
	shorter Guaranteed Term is available, the next
	longer Guaranteed Term will be used. Aetna will
	mail a confirmation statement to the
	Certificate Holder the next business day after
	the Maturity Date. This notice will state the
	Guaranteed Term and Guaranteed Rate(s) which
	will apply to the reinvested Matured Term
	Value.
1.29 Separate Account:	A separate account that buys and holds shares
	of the Fund(s), income, gains or losses,
	realized or unrealized, are credited or charged
	to the Separate Account without regard to other
	income, gains or losses of Aetna. Aetna owns
	the assets held in the Separate Account and
	is not a trustee as to such amounts. This
	Separate Account generally is not guaranteed
	and is held at market value. The assets of the
	Separate Account, to the extent of reserves and
	other contract liabilities of the Account,
	shall not be charged with other Aetna
	liabilities.
1.30 Surrender Value:	The amount payable by Aetna upon the surrender
	of any portion of an Account.
1.31 Transfers:	The movement of invested amounts among the
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	available Fund(s) and the MG Account under this Contract during the Accumulation Period.
1.32 Valuation Period (Period):	The period of time for which a Fund determines its net asset value, usually from 4:15 p.m. Eastern time each day the New York Stock Exchange is open until 4:15 p.m. the next such day, or such other day that one or more of the Funds determines its net value.
1.33 Variable Annuity:	An Annuity with payments that vary with the net investment results of one or more Funds under the Separate Account.

II.	GENERAL PROVISIONS
-	--------------------------------------------------------------------------------

2.01 Change or Contract:

<PAGE>

2.01 Change of Contract (Cont'd):

2.02 Change of Fund(s):

Only an authorized officer of Aetna may change the terms of this Contract. Aetna will notify the Contract Holder in writing at least 30 days before the effective date of any change. Any change will not affect the amount or terms of any Annuity which begins before the change.

Aetna reserves the right to refuse to accept any Purchase Payment at any time for any reason. This applies to an initial Purchase Payment to establish a new Account or to subsequent Purchase Payments to existing Accounts under the Contract. No advance notice will be given to the Contract Holder or Certificate Holder.

12

Aetna may make any change that affects the MG Account Market Value Adjustment (3.06) with at least 30 days' advance written notice to the Contract Holder and the Certificate Holder. Any such change shall become effective for any new Term and will apply to all present and future Accounts.

Aetna reserves the right to change the terms of the Systematic Withdrawal option (3.10) for future elections and discontinue the availability of this option after proper notification.

Any change that affects any of the following under this Contract will not apply to Accounts in existence before the effective date of the change:

(a)	Net Purchase Payment (1.25)
(b)	MG Account Guaranteed Rate (1.16)
(c)	Net Return Factor(s) -- Separate Account (3.04)
(d)	Current Value (1.11)
(e)	Surrender Value (1.30)
(f)	Funds(s) Annuity Unit Value -- Separate Account (4.05)
(g)	Annuity options (4.07)
(h)	Fixed Annuity interest Rates (4.01)
(i)	Transfers (1.31).

Any change that affects the Annuity options and the tables for the options may be made:

(a)	No earlier than 12 months after the effective date of this Contract; and
(b)	No earlier than 12 months after the effective date of any prior change

Any Account established on or after the effective date or any change will be subject to the change. If the Contract Holder does not agree to any change under this provision, no new Accounts may be established under this Contract. This Contract may also be changed as deemed necessary by Aetna to comply with federal or state law.

Aetna, or the Separate Account, may:

(a)	Change the Fund(s) which may be invested in by the Separate Account; and
(b)	Replace the shares of any Fund(s) held in the Separate Account with shares of any other Fund(s).

Changes must be:

(a) Approved by a majority vote in the Separate

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<PAGE>

2.02 Change of Fund(s) (Cont'd):

2.03 Nonparticipating Contract:

2.04 Payments and Elections:

2.05 State Laws:

2.06 Control of Contract:

2.07 Designation of Beneficiary:

<PAGE>

2.08 Misstatements and Adjustments:

2.09	Incontestability:
2.10	Grace Period:

2.11 Individual Certificates:

Page 9 of 30

Account with respect to the Fund(s) whose
shares are to be replaced; or

(b)	Deemed necessary by Aetna under the Investment Company Act of 1940; or
	13
(c)	Deemed necessary by Aetna to accomplish the purpose of the Separate Account.

Aetna will notify the Contract Holder and the
Certificate Holder of any change.

The Contract Holder, Certificate Holders or
Beneficiaries will not have a right to share
in the earnings of Aetna.

While the Certificate Holder is living, Aetna
will pay the Certificate Holder any Annuity
payments as and when due. After the Certificate
Holder's death, any Annuity payments required
to be made will be paid in accordance with
4.03. Aetna will determine other payments
and/or elections as of the end of the Valuation
Period in which the request is received at its
Home Office. Such payments will be made within
7 calendar days of receipt at its Home Office
of a written claim for payment which is in good
order, except as provided in 3.15.

The Contract and the Certificates comply with
the laws of the state in which they are
delivered. Any surrender, death, or Annuity
payments are equal to or greater than the
minimum required by such laws. Annuity tables
for legal reserve valuation shall be as
required by state law. Such tables may be
different from Annuity tables used to determine
Annuity payments.

This is a Contract between the Contract Holder
and Aetna. The Contract Holder has title to the
Contract. Contract Holder rights are limited to
accepting or rejecting Contract modifications.
The Certificate Holder has all other rights to
amounts held in his or her Account.

Each Certificate Holder shall own all amounts
held in his or her Account. Each Certificate
Holder may make any choices allowed by this
Contract for his or her Account. Choices made
under this Contract must be in writing. Until
receipt of such choices at Aetna's Home Office,
Aetna may rely on any previous choices made.

The Contract is not subject to the claims of any
creditors of the Contract Holder or the
Certificate Holder, except to the extent
permitted by law.

The Certificate Holder may assign or transfer
his or her rights under the Contract to one or
more natural persons. Any assignment or transfer
made must be submitted to Aetna's Home Office in
writing and will not be effective until accepted
by Aetna.

Each Certificate Holder shall name his or her
Beneficiary. The Beneficiary may be changed at
any time. Changes to Beneficiary must be
submitted to Aetna's Home Office in writing and
will not be effective until accepted by Aetna.

14

If Aetna finds the age of any Annuitant to be
misstated, the correct facts will be used to
adjust payments.

Aetna cannot cancel this Contract because of
any error of fact on the application. Aetna
cannot cancel an Account because of any error
of fact on the enrollment form.

This Contract will remain in effect even if
Purchase Payments are not continued except as
provided in the Payment of Adjusted Current
Value provision (see 3.17).

Aetna shall issue a certificate to each
Certificate Holder. The certificate will
summarize certain provisions of the Contract.
Certificates are for information only and are

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Page 10 of 30

not a part of the Contract.

III.	PURCHASE PAYMENT, CURRENT VALUE, AND SURRENDER PROVISIONS
-	-------------------------------------------------------------------------------

3.01 Net Purchase Payment:

3.02 Certificate Holder's Account:

<PAGE>

This amount is the actual Purchase Payment less any premium tax. Aetna will generally deduct the premium tax when Annuity benefits are elected (see Part IV). If Aetna determines that under applicable state law, it must pay a premium tax when the Purchase Payment is received or at any other time, it will deduct the tax at that time.

The Net Purchase Payment will be credited among:

(a)	The current Deposit Period(s) for Guaranteed Terms under the MG Account; and
(b)	The Fund(s) in which the Separate Account invests.

For each Net Purchase Payment, the Certificate Holder shall tell Aetna the allocation percentage to be applied to the current Deposit Period for each of the available Guaranteed Terms in the MG Account and/or each Fund. If allocation instructions are not received along with any subsequent Net Purchase Payment, the allocation will be the same as that indicated on the original enrollment form. If the same Guaranteed Term is no longer available, the Net Purchase Payment will be allocated to the next shortest Guaranteed Term available in the current Deposit Period. If no shorter Guaranteed Term is available, the next longer Guaranteed Term will be used.

Aetna will maintain an Account for each Certificate Holder.

Aetna will declare from time to time the acceptability and the minimum amount for additional Purchase Payments. Each Account will be subject to the Terms and Conditions of the Contract in effect at the time the first Purchase Payment for such Account is applied to the Contract except for changes made to comply with federal or state law.

15

3.03 Fund(s) Record Units -- Separate Account:	The portion of the Net Purchase Payment(s) applied to each Fund under the Separate Account will determine the number of Fund record units for that Fund. This number is equal to the portion of the Net Purchase Payment(s) applied to each Fund divided by the Fund record unit value (see 3.05) for the Valuation Period in which the Purchase Payment is received in good order at Aetna's Home Office.
3.04 Net Return Factor(s) -- Separate Account:	The net return factor(s) are used to compute all Separate Account record units for any Fund. The net return factor(s) for each Fund is equal to 1.0000000 plus the net return rate. The net return rate is equal to:

(a)	The value of the shares of the Fund held by the Separate Account at the end of the Valuation Period; minus
(b)	The value of the shares of the Fund held by the Separate Account at the start of the Valuation Period; plus or minus
(c)	Taxes (or reserves for taxes) on the Separate Account (if any); divided by
(d)	The total value of the Fund(s) record units and Fund(s) annuity units of the Separate Account at the start of the Valuation Period; minus
(e)	A daily Separate Account charge at an annual rate as shown on Contract Schedule I for mortality and expense risks, which may include profit; and a daily administrative charge.
A	net return rate may be more or less than 0%.

The value of a share of the Fund is equal to
the net assets of the Fund divided by the
number of shares outstanding.

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3.05 Fund Record Unit

Value -- Separate Account:

3.06 Market Value

Adjustment:

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3.06 Market Value Adjustment (Cont'd):

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A Fund record unit value is computed by
multiplying the net return factors for the
current Valuation Period by the Fund record
unit value for the previous Period. The dollar
value of Fund record units, Separate Account
assets, and Variable Annuity payments may go up
or down due to investment gain or loss.

There will be an MVA for a withdrawal from the
MG Account before the end of a Guaranteed Term
when the withdrawal is due to:

(a)	A Transfer; except as specified in MG Account Matured Term Value Transfer;
(b)	A full or partial surrender, including a 10% free withdrawal under 3.14; or
(c)	An election of Annuity option 2 (see 4.07).

Full and partial surrenders and Transfers made
within six months after the date of the
Annuitant's death will be the greater of:

16

(a)	The aggregate MVA amount which is the sum of all market value adjusted amounts calculated due to a withdrawal of amounts.
	This total may be greater or less than the Current Value of those amounts; or
(b)	The applicable portion of the Current Value in the MG Account.

After the six-month period, the surrender or
Transfer will be the aggregate MVA amount,
which may be greater or less than the Current
Value of those amounts.

The greater of the aggregate MVA amount or the
applicable portion of the Current Value applies
amounts withdrawn from the MG Account on
account of an election of Annuity options 3 or
4 (see 4.07).

Market value adjusted amounts will be equal to
the amount withdrawn multiplied by the
following ratio:

x
---
365

(1 + i)
------------------
x
---
365

(1 + j)

Where:

i	is the Deposit Period Yield
j	is the Current Yield
x	is the number of days remaining, (computed from Wednesday of the week of withdrawal) in the Guaranteed Term.

The Deposit Period Yield will be determined as
follows:

(a)	At the close of the last business day of each week of the Deposit Period, a yield will be computed as the average of the yields on that day of U.S. Treasury Notes which mature in the last three months of the Guaranteed Term.
(b)	The Deposit Period Yield is the average of yields for the Deposit Period. If withdrawal is made before the close of the Deposit Period, it is the average of those yields on each week preceding withdrawal.

The Current Yield is the average of the yields
on the last business day of the week preceding
withdrawal on the same U.S. Treasury Notes
included in the Deposit Period Yield.

In the event that no U.S. Treasury Notes which
mature in the last three months of the

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3.07 Transfer of Current Value from the Funds or MG

Account:

3.08 Notice to the Certificate Holder:

3.09	Loans:
3.10	Systematic Withdrawal Option (SWO):

<PAGE>

3.10 Systematic Withdrawal Option (SWO)(Cont'd):

Page 12 of 30

Guaranteed Term exist, Aetna reserves the
right to use the U.S. Treasury Notes that
mature in the following quarter.

17

Before an Annuity option is elected, all or
any portion of the Adjusted Current Value of
the Certificate Holder's Account may be
transferred from any Fund or Guaranteed Term
of the MG Account:

(a)	To any other Fund; or
(b)	To any Guaranteed Term of the MG Account available in the current Deposit Period.

Transfer requests can be submitted as a
percentage or as a dollar amount, Aetna may
establish a minimum transfer amount. Within
a Guaranteed Term Group, the amount to be
surrendered or transferred will be withdrawn
first from the oldest Deposit Period, then
from the next oldest, and so on until the
amount requested is satisfied.

The Certificate Holder may make an unlimited
number of Transfers during the Accumulation
Period. The number of free Transfers allowed by
Aetna is shown on Contract Schedule I.
Additional Transfers may be subject to a
Transfer fee as shown on Contract Schedule I.

Transfers from the MG Account of a Matured Term
Value on or within one calendar month of a
Term's Maturity Date do not count against the
annual Transfer limit.

Amounts applied to Guaranteed Terms of the MG
Account may not be transferred to the Funds or
to another Guaranteed Term during the Deposit
Period or for 90 days after the close of the
Deposit Period except for Matured Term
Value (s) during the calendar month following
the Term's Maturity Date.

Transfers from Guaranteed Terms of the MG
Account are subject to the MVA provisions of
3.06.

The Certificate Holder will receive quarterly
statements from Aetna of:

(a)      The value of any amounts held in: (1) The MG Account; and (2) The Fund(s) under the Separate

Account.

(b)	The number of any Fund(s) record units; and
(c)	The Fund(s) record unit value.

Such number or values will be as of a specific
date no more than 60 days before the date of
the notice.

Loans are not available under this Contract.

A distribution option under which a portion of
the Account's Current Value will automatically
be surrendered and distributed each year. SWO
payments will be calculated on the Account's
full Current Value. The distributed amount is
withdrawn pro rata from each investment option
under the Account. A Surrender Fee will not be
deducted from any portion of the Adjusted
Current Value which is paid as a distribution
under SWO.

18

Certificate Holders should consult their tax
adviser prior to requesting this distribution
option. Aetna will not be responsible for any
adverse tax consequences due to receiving SWO
payments.

(a)      Amount of Distribution: The Certificate Holder may elect one of the three payment methods described below.

(1) Specified Payment: Payments of a
designated dollar amount. The annual
amount may not be greater than the

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3.10 Systematic Withdrawal Option (SWO)(Cont'd):

3.11 Death Benefit Amount:

Page 13 of 30

percentage of the Current Value at time
of election as shown on Contract
Schedule I. This annual dollar amount
will remain constant. At its
discretion, Aetna may require a minimum
initial payment amount;

(2) Specified Period: Payments which are
made over a period of time which must
be at least 10 years. The annual amount
paid each year is calculated by
dividing the Current Value as of
December 31 of the prior year by the
number of payment years remaining; or

(3) Specified Percentage: Payment of a
designated percentage which cannot be
greater than the percentage of the
Current Value at the time of election
as shown on Contract Schedule I. The
percentage may be changed by written
request. Aetna reserves the right to
limit the number of times the
percentage may be changed. The annual
amount is calculated by multiplying
the Current Value as of December 31 of
the year prior to the payment by the
designated percentage.

Payments upon the Certificate Holder's or
Annuitant's death will be made to the
Beneficiary in the manner described in
3.12.

(b)	Minimum Initial Current Value: At its discretion, Aetna may require a minimum initial Current Value for election of this option. If after election of this option the Current Value is insufficient to make a scheduled SWO payment, Aetna will distribute the entire Account balance.
(c)	Date of Distribution: The Certificate Holder shall specify the initial distribution date. The earliest date for distribution is the date on which the Certificate Holder attains age 59 1/2. As elected by the Certificate Holder, SWO payments will be made on a monthly, quarterly, semi-annual or annual basis. If SWO payments are made more frequently than annually, the designated annual amount is divided by the number of payments due each calendar year. Subsequent distributions will be made on the 15th of any month or such other date Aetna may designate or allow.
(d)	Election and Revocation: SWO may be elected by submitting a completed and signed
election	form to Aetna's Home Office. Once
elected,	this option may be revoked by the
Certificate	Holder or spousal Beneficiary,
if	elected after the Certificate
19

Holder's death, by submitting a written
request to Aetna at its Home Office. Any
revocation will apply only to amounts not
yet paid. SWO may be elected only once by
the Certificate holder or by the spousal
Beneficiary.

If the Certificate Holder or Annuitant dies
before Annuity payments start, the Beneficiary
is entitled to a death benefit under the
Account. The claim date is the date when proof
of death and the Beneficiary's claim are
received in good order at Aetna's Home Office.
The amount of the death benefit is determined
as follows:

(a)      Death or Annuitant less than 75 years of age: The guaranteed death benefit is the greatest of:

(1) The gross sum of all Purchase
Payment(s) made to the Account (as of
the date of death) minus the sum of all
amounts surrendered, applied to an
Annuity, of deducted from the Account;

(2) The step up value as of the date of

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3.12 Death Benefit Options available to Beneficiary:

<PAGE>

3.12 Death Benefit Options available to Beneficiary (Cont'd):

Page 14 of 30

death plus all Net Purchase Payments
made to the Account, minus the total of
all partial surrenders, amounts applied
to an Annuity and deductions made from
the Account since determination of the
step up value. The step up value is the
Current Value on the most recent
seventh year anniversary of the date
the first Net Purchase Payment is
applied to the Account;

(3) The Account's Current Value as of the
date of death.

The excess, if any, of the guaranteed death
benefit value over the Account's Current
Value is determined as of the date of
death. Any excess amount will be deposited
to the Account and allocated to Aetna
Variable Encore Fund as of the claim date.
The Current Value on the claim date plus
any excess amount deposited becomes the
Account's Current Value.

(b)	Death or Annuitant age 75 or greater: The Death benefit amount is the Account Current Value on the claim date.
(c)	Death of the Certificate Holder if the Certificate Holder is not the Annuitant: The death benefit amount is the Account's Adjusted Current Value on the claim date. A
	Surrender Fee may apply to any full or partial surrender (see 3.14 and Contract Schedule I).

Prior to any election, or until amounts must be
otherwise distributed under this section, the
Current Value of the Account will be retained
in the Account. The Beneficiary has the right
under the Account to allocate or reallocate any
amount to any of the available investment
options (subject to an MVA, as applicable). The
following options are available to the
Beneficiary:

20

(a)      When the Certificate Holder is the Annuitant: If the Certificate Holder/ Annuitant dies, and:

(1) If the Beneficiary is the Certificate
Holder's surviving spouse, the
Beneficiary will be the successor
Certificate Holder of the Account on
Aetna's records. Such successor
Certificate Holder may exercise all
Certificate Holder rights under the
Contract and continue in the
Accumulation Period, or may elect (i),
(ii), or (iii) below. Under the Code,
distributions from the Account are not
required until the successor
Certificate Holder's death. The
Beneficiary may elect to:

(i) Apply some or all of the Adjusted
Current Value of the Account to
Annuity option 2, 3 or 4 (see
4.07);

	(ii) Apply some or all of the
	Adjusted Current Value of the
	Account to Annuity option 1
	(see 4.07); or
	(iii) Receive, at any time, a lump sum
	payment equal to the Adjusted
	Current Value of the Account.
(2)	If the Beneficiary is other than the
	Certificate Holder's surviving
	spouse, the options (i), (ii), or
	(iii) under (1) above apply. Any
	portion of the Adjusted Current
	Value of the Account not applied
	to Annuity option 2, 3 or 4 within
	one year of the Certificate Holder's
	death, must be distributed within
	five years of the date of death.
(3)	If no Beneficiary exists, a lump sum
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3.12 Death Benefit Options available to Beneficiary (Cont'd):

3.13 Liquidation of Surrender Value:

3.14 Surrender Fee:

Page 15 of 30

payment equal to the Adjusted
Current Value will be made to the
Certificate Holder's estate.

(b)	When the Certificate Holder is not the
	Annuitant	and the Certificate Holder dies,
	and:
	(1)	If the Beneficiary is the Certificate
		Holder's	surviving spouse, the
		Beneficiary	will be the successor
		Certificate	Holder of the Account on
		Aetna's	records. Such successor
		Certificate	Holder may exercise all
		Certificate	Holder rights under the
		Contract	and continue in the
		Accumulation	Period, or may elect
		(i),	(ii), or (iii) below. Under the
		Code,	distributions from the Account
		are	not required until the successor
		Certificate	Holder's death. The
		Beneficiary	may elect to:
		(i)	Apply some or all of the Adjusted Current Value of the Account to Annuity option 2, 3 or 4 (see 4.07);
		(ii)	Apply some or all of the Surrender Value of the Account to Annuity option 1 (see 4.07); or
	21
		(iii)	Receive, at any time, a lump sum payment equal to the Surrender Value of the Account.
	(2)	If the Beneficiary is other than the
		Certificate	Holder's surviving
		spouse,	then options (i), (ii), or
		(iii)	under (1) above apply. Any
		portion	of the Adjusted Current
		Value	of the Account not applied to
		Annuity	option 2, 3 or 4 within one
		year	of the Certificate Holder's
		death	will be subject to a Surrender
		Fee,	if applicable, and must be
		distributed	within five years of the
		date	of death.
	(3)	If no Beneficiary exists, a lump sum
		payment	equal to the Surrender Value
		will	be made to the Certificate
		Holder's	estate.
(c)	When the Certificate Holder is not the
	Annuitant	and the Annuitant dies: The
	Beneficiary	must elect Annuity option 2, 3
	or	4 within 60 days of the date of death
	or	the gain, if any, will be includable in
	the	Beneficiary's income in the tax year
	in	which the Annuitant dies.

All or any portion of the Account's Adjusted
Current Value may be surrendered at any time.
Surrender requests can be submitted as a
percentage of the Account value or as a
specific dollar amount. Net Purchase Payment
amounts are withdrawn first, and then the
excess value, if any. For any partial
surrender, amounts are withdrawn on a pro rata
basis from the Fund(s) and/or the Guaranteed
Term(s) Groups of the MG Account in which the
Current Value is invested. Within a Guaranteed
Term Group, the amount to be surrendered or
transferred will be withdrawn first from the
oldest Deposit Period, then from the next
oldest, and so on until the amount requested
is satisfied.

After deduction of the Maintenance Fee, if
applicable, the surrendered amount shall be
reduced by a Surrender Fee, if applicable.

The Surrender Fee only applies to the Net
Purchase Payment(s) portion surrendered and
varies according to the elapsed time since
deposit (see Contract Schedule I). Net

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	Purchase Payment amounts are withdrawn in
	the same order they were applied.
	No Surrender Fee is deducted from any portion
	of the Current Value which is paid:
	(a)	To a Beneficiary due to the Annuitant's
		death before Annuity payments start, up to
		a maximum of the aggregate Net Purchase
		Payment(s) minus the total of all partial
		surrenders, amounts applied to an Annuity
		and deductions made prior to the
		Annuitant's date of death;
	(b)	As a premium for an Annuity option 2, 3 or
		4 under this Contract (see 4.07);
	(c)	As a distribution under the SWO provision
		(see 3.10);
22
<PAGE>
3.14 Surrender Fee (Cont'd):	(d) At least 12 months after the date of the
		first Purchase Payment to the Account, in
		an amount equal to or less than 10% of the
		Current Value. This applies to the first
		surrender request, partial or full, in a
		calendar year. The Current Value is
		calculated as of the date the surrender
		request is received in good order at
		Aetna's Home Office. This waiver is not
		available to the Certificate Holder while
		SWO is in effect;
	(e) For a full surrender of the Account where
		the Current Value of the Account is $2,500
		or less and no surrenders have been taken
		from the Account within the prior 12
months;
	(f) By Aetna under 3.17; or
	(g) If the Annuitant has spent at least 45
		consecutive days in a licensed nursing care
		facility and each of the following
		conditions are met;
		(1) more than one calendar year has elapsed
		since the date the certificate was
		issued; and
		(2) the surrender is requested within 3
		years of admission to a licensed
		nursing care facility.
		This waiver does not apply if the Annuitant
		was in a nursing care facility at the time
		the certificate was issued.

3.15 Payment of Surrender Value: Under certain emergency conditions, Aetna may defer payment:

(a)	For a period of up to 6 months (unless not allowed by state law); or
(b)	As provided by federal law.

3.16 Reinstatement: All or a portion of the proceeds of a full surrender of an Account may be reinvested within 30 days after the surrender. Any Maintenance Fee and Surrender Fee charged at the time of surrender on the amount being reinvested will be included in the reinstatement. Any Market Value Adjustment(s) deducted from surrenders will not be included in the reinstatement. Amounts will be reinstated among the MG Account and the Funds in the Separated Account in the same proportion as they were at the time of surrender. Any amounts reinstated to the MG Account will be credited to the Guaranteed Terms available during the current Deposit Period in the same proportion as they were at the time of surrender. In the event that a Guaranteed Term of the same duration is unavailable, amounts will be reinvested in the next shortest Guaranteed Term available in the current Deposit Period. If no shorter Guaranteed Term is available, the next longer Guaranteed Term will be used. The number of

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3.16 Reinstatement (Cont'd):

3.17 Payment of Adjusted Current Value:

Page 17 of 30

Fund(s) Record Units reinstated will be based
on the Record Unit Value(s) next computed after
receipt at Aetna's Home Office of the
reinstatement request and the amount to be
reinstated.

23

Any Maintenance Fee which falls due after the
surrender and before the reinstatement will be
deducted from the amount reinstated.

Any Account(s) surrendered because the Current
Value was less than $2,500 immediately
following any partial surrender may not be
reinstated (see 3.17).

Reinstatement of an Account is permitted only
once.

Upon 90 days' written notice to the Certificate
Holder, Aetna will terminate any Account if the
Current Value becomes less than $2,500
immediately following any partial surrender.
Aetna does not intend to exercise this right in
cases where an Account Current Value is reduced
to $2,500 of less solely due to investment
performance. A Surrender Fee will not be
deducted from the Adjusted Current Value. This
terminated Adjusted Current Value of an Account
may not be reinstated.

IV.	ANNUITY PROVISIONS
-	--------------------------------------------------------------------------------

4.01 Choices to be Made:

4.02 Terms of Annuity Options:

<PAGE>

4.02 Terms of Annuity Options (Cont'd):

The Certificate Holder may tell Aetna to apply any portion of the Adjusted Current Value (minus any premium tax) for an Annuity under option 2, 3, or 4 (see 4.07). The first Annuity payment may not be earlier than one calendar year after the initial Purchase Payment nor later than the later of:

(a)	The first day of the month following the Annuitant's 85th birthday; of
(b)	The tenth anniversary of the last Purchase Payment. In lieu of the election of an Annuity, the Certificate Holder may tell Aetna to make a lump sum payment.

When an Annuity Option is chosen, Aetna must also be told if payments are to be made other than monthly and whether to pay:

(a)	A Fixed Annuity using the General Account;
(b)	A Variable Annuity using any of the Fund(s) available under this Contract for Annuity purposes; or
(c)	A combination of (a) and (b).

If a Fixed Annuity is chosen, the Annuity purchase rate for the option chosen reflects the Minimum Guaranteed Interest Rate (see Contract Schedule II), but may reflect higher interest rates. If a Variable Annuity is chosen, the initial Annuity payment for the option chosen reflects the assumed annual return rate elected. (see Contract Schedule II).

(a)	When payments start, the age of the Annuitant plus the number of years for which payments are guaranteed must not exceed 95.
	24
(b)	An Annuity option may not be elected if the first payment would be less than $50 or if the total payments in a year would be less than $250 (less if required by state law).
	Aetna reserves the right to increase the minimum first Annuity payment amount and the annual minimum Annuity payment amount based upon increases reflected in the Consumer Price Index-Urban, (CPI-U) since July 1, 1993.
(c)	If a Fixed Annuity under option 2,3 or 4 is

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4.03 Death of Annuitant/ Beneficiary:

<PAGE>

4.03 Death of Annuitant/ Beneficiary (Cont'd):

Page 18 of 30

chosen and a larger payment would result
from applying the Surrender Value to a
current Aetna single premium immediate
Annuity, Aetna will make the larger
payment.

(d)	For purposes of calculating the guaranteed
	first	payment of a Variable Annuity or the
	payments	for a Fixed Annuity, the
	Annuitant's	and second Annuitant's adjusted
	age	will be used. The Annuitant's and
	second	Annuitant's adjusted age is his or
	her	age as of the birthday closest to the
	Annuity	commencement date reduced by one
	year	for Annuity commencement dates
	occurring	during the period of time from
	July	1, 1993 through December 31, 1999. The
	Annuitant's	and second Annuitant's age will
	be	reduced by two years for Annuity
	commencement	dates occurring during the
	period	of time from January 1, 2000 through
	December	31, 2009. The Annuitant's and
	second	Annuitant's age will be reduced by
	one	additional year for Annuity
	commencement	dates occurring in each
	succeeding	decade.
	The	Annuity purchase rates for options 3
	and	4 based on mortality from 1983
	Table	a.
(e)	Assumed Annual Net Return Rate is the
	interest	rate used to determine the amount
	of	the first Annuity payment under a
	Variable	Annuity as shown on Contract
	Schedule	II. The Separate Account must earn
	this	rate plus enough to cover the
	mortality	and expense risks charges (which
	may	include profit) and administrative
	charges	if future Variable Annuity Payments
	are	to remain level, (see Annuity return
	factor	under Variable Annuity Assumed
	Annual	Net Return Rate on Contract Schedule
	II)	.
(f)	Once elected, Annuity payments cannot be
	commuted	to a lump sum except for Variable
	Annuity	payments under option 2 (see 4.07).
	The	life expectancy of the Annuitant or the
	Annuitant	and second Annuitant shall be
	irrevocable	upon the election of an Annuity
	option.
(a)	Certificate Holder is Annuitant: When the
	Certificate	Holder is the Annuitant and the
	Annuitant	dies under option 2 or 3, or both
	the	Annuitant and the second Annuitant
	die	under option 4(d), the present value of
	any	remaining guaranteed payments will be
	paid	in one sum to the Beneficiary, or upon
	election	by the Beneficiary, any remaining
	payments	will continue to the Beneficiary.
	If	option 4 has been elected and the
	Certificate	Holder dies, the remaining
	payments	will continue to the successor
	payee.	If no successor payee has been
	designated,the	Beneficiary will be treated
	as	the successor payee.
	25
(b)	Certificate Holder is Not Annuitant: When
	the	Certificate Holder is not the Annuitant
	and	the Certificate Holder dies, the
	remaining	payments under options 2, 3 or 4
	will	continue to the successor payee. If
	no	successor payee has been designated, the
	Beneficiary	will be treated as the
	successor	payee.
	If	the Annuitant dies under option 2 or 3,
	or	if both the Annuitant and the second
	Annuitant	die under option 4(d), the
	present	value of any remaining guaranteed
	payments	will be paid in one sum to the
	Beneficiary,	or upon the election by the
	Beneficiary,	any remaining payments will
	continue	to the Beneficiary. If option 4
	has	been elected, and the Annuitant dies,
	the	remaining payments will continue to the
	Certificate	Holder.
(c)	No Beneficiary Named/Surviving: If there is
	no	Beneficiary under option 2, 3, or 4, the

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4.04 Fund(s) Annuity Units --Separate Account:

<PAGE>

4.04 Fund(s) Annuity Units--Separate Account (Cont'd):

4.05 Fund(s) Annuity Unit Value--Separate Account:

4.06 Annuity Net Return Factor(s)--Separate Account:

Page 19 of 30

present value of any remaining payments
will be paid in one sum to the Certificate
Holder, or if the Certificate Holder is not
living, then to the Certificate Holder's
estate.

(d)	If the Beneficiary designated under option 1 dies, the amount held plus accrued interest will be paid in one sum to a successor Beneficiary, if any, named by the designated Beneficiary. If there is no successor Beneficiary, the lump sum will be paid to the designated Beneficiary's estate.
(e)	If the Beneficiary or the successor payee dies while receiving Annuity payments, the present value of any remaining guaranteed payments will be paid in one sum to the successor Beneficiary/payee, or upon election by the successor Beneficiary/payee, any remaining payments will continue to the successor Beneficiary/payee. If no successor Beneficiary/payee has been designated, the present value of any remaining guaranteed payments will be paid in one sum to the Beneficiary's/payee's estate.
(f)	The present value will be determined as of the Valuation Period in which proof of death acceptable to Aetna and a request for
payment	is received at Aetna's Home Office.
The	interest rate used to determine the
first	payment will be used to calculate the
present	value.

The number of each Fund's Annuity Units is
based on the amount of the first Variable
Annuity payment which is equal to:

(a)	The portion of the Current Value applied to pay a Variable Annuity (minus any premium tax); divided by
(b)	1,000; multiplied by
(c)	The payment rate for the option chosen.

Such amount, or portion, of the variable
payment will be divided by the appropriate Fund
Annuity unit value (see 4.05) on the tenth
Valuation Period before the due date of the
first payment to determine the number of each
Fund Annuity units. The

26

number of each Fund Annuity units remains fixed.
Each future payment is equal to the sum of the
products of each Fund Annuity unit value
multiplied by the appropriate number of units.
The Fund Annuity unit value of the tenth
Valuation Period prior to the date of the
payment is used.

For any Valuation Period, a Fund Annuity unit
is equal to:

(a)	The value for the previous Period; multiplied by
(b)	The Annuity net return factor(s) (see 4.06 below) for the Period; multiplied by
(c)	A factor to reflect the assumed annual net return rate (see Contract Schedule II).

The dollar value of a Fund Annuity unit values
and Annuity payments may go up or down due to
investment gain or loss.

The Annuity net return factor(s) are used to
compute all Separate Account Annuity Payments
for any Fund.

The Annuity net return factor(s) for each Fund
is equal to 1.0000000 plus the net return rate.

The net return rate is equal to:

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Page 20 of 30

(a)	The value of the shares of the Fund held
	by	the Separate Account at the end of a
	Valuation	Period; minus
(b)	The value of the shares of the Fund held
	by	the Separate Account at the start of
	the	Valuation Period; plus or minus
(c)	Taxes (or reserves for taxes) on the
	Separate	Account (if any); divided by
(d)	The total value of the Fund(s) record
	units	and Fund(s) Annuity units of the
	Separate	Account at the start of the
	Valuation	Period; minus
(e)	A daily charge for Annuity mortality and
	expense	risks, which may include profit,
	and	a daily administrative charge (at the
	annual	rate as shown on Contract Schedule
	II)	.
A	net return rate may be more or less than 0%.

	The value of a share of the Fund is equal to the net assets of the Fund divided by the number of shares outstanding. Payments shall not be changed due to changes in the mortality or expense results or administrative charges.
4.07 Annuity Options:	Option 1 -- Payment of Interest on Sum Left with Aetna -- This option may be used only by the Beneficiary when the Certificate Holder dies before Aetna has started paying an Annuity. A portion or all of the sum paid upon death may be held under this option and will be held in the General Account of Aetna at interest (see 4.01). The Beneficiary may later tell Aetna to:

(a)	Pay a portion or all of the sum held by Aetna; or
(b)	Apply a portion or all of the sum held by Aetna to any Annuity option below.

27

<PAGE> 4.07 Annuity Options (Cont'd):

If a nonspouse Beneficiary elects that some or all of the Current Value is to be held under this option, the Beneficiary must tell Aetna to pay the full sum held under this option within 5 years of the date of death. Option 2--Payments for a Stated Period of Time--An Annuity will be paid for the number of years chosen. The number of years must be at least 5 and not more than 30. If payments for this option are made under a Variable Annuity the present value of any remaining payments may be withdrawn at any time. If a withdrawal is requested within 3 years after the start of payments, it will be treated as a surrender and any applicable Surrender Fee will be applied (see 3.14). If a nonspouse Beneficiary elects this option at the death of the Certificate Holder, the period selected may not extend beyond the Beneficiary's life expectancy. Option 3--Life Income--An Annuity will be paid for the life of the Annuitant. If also chosen, Aetna will guarantee payments for 60, 120, 180, or 240 months. Option 4--Life Income Based upon the Lives of Two Annuitants--An Annuity will be paid during the lives of the Annuitant and a second Annuitant. Payments will continue until both Annuitants have died. When this option is chosen, a choice must be made of: (a) 100% of the payment to continue after the first death; (b) 66 2/3% of the payment to continue after the first death; (c) 50% of the payment to continue after the first death; (d) Payments for a minimum of 120 months with 100% of the payment to continue after the first death; or (e) 100% of the payment to continue at the death of the second Annuitant and 50% of the payment to continue at the death of the

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Annuitant.

Other Options--Aetna may take other
options available as allowed by the laws of the
state in which this Contract and the
Certificate is delivered.

28

<PAGE>

OPTION 2

Payments for a Stated Period of Time

Amount of First Monthly Payment for Each $1,000
After Deduction of any Charge for Premium Taxes

Rates for a Fixed Annuity with Guaranteed Interest Rate of 3.0%

<TABLE>

<CAPTION>

- --------------------------------------------------------------------------------

	Guaranteed	Monthly	Quarterly	Semi-Annual	Annual
Years	Rate	Payment	Payment	Payment	Payment

- --------------------------------------------------------------------------------

<S>	<C>	<C>	<C>	<C>	<C>
3	3.00%	$ 28.99	$ 86.76	$ 172.88	$ 343.23
4	3.00%	22.06	66.02	131.56	261.19
5	3.00%	17.91	53.59	106.78	211.99
6	3.00%	15.14	45.30	90.27	179.22
7	3.00%	13.16	39.39	78.49	155.83
8	3.00%	11.68	34.96	69.66	138.31
9	3.00%	10.53	31.52	62.81	124.69
10	3.00%	9.61	28.77	57.33	113.82
11	3.00%	8.86	26.52	52.85	104.93
12	3.00%	8.24	24.65	49.13	97.54
13	3.00%	7.71	23.08	45.98	91.29
14	3.00%	7.26	21.73	43.29	85.95
15	3.00%	6.87	20.56	40.96	81.33
16	3.00%	6.53	19.54	38.93	77.29
17	3.00%	6.23	18.64	37.14	73.74
18	3.00%	5.96	17.84	35.56	70.59
19	3.00%	5.73	17.13	34.14	67.78
20	3.00%	5.51	16.50	32.87	65.26
21	3.00%	5.32	15.92	31.72	62.98
22	3.00%	5.15	15.40	30.68	60.92
23	3.00%	4.99	14.92	29.74	59.04
24	3.00%	4.84	14.49	28.88	57.33
25	3.00%	4.71	14.09	28.08	55.76
26	3.00%	4.59	13.73	27.36	54.31
27	3.00%	4.47	13.39	26.68	52.97
28	3.00%	4.37	13.08	26.06	51.74
29	3.00%	4.27	12.79	25.49	50.60
30	3.00%	4.18	12.52	24.95	49.53

- --------------------------------------------------------------------------------

</TABLE>

29

<PAGE>

OPTION 3

Life income

Amount of First Monthly Payment for Each $1,000
After Deduction of any Charge for Premium Taxes

Rates for a Fixed Annuity with Guaranteed Interest Rate of 3.0%

<TABLE>
<CAPTION>
	Payments Guaranteed for a Stated Period of Months
	-------------------------------------------------
- --------------------------------------------------------------------------------
Adjusted	None	60	120	180	240
Age of
Annuitant
- --------------------------------------------------------------------------------
<S>	<C>	<C>	<C>	<C>	<C>
50	$ 4.05	$ 4.05	$ 4.03	$ 3.99	$ 3.93
51	4.12	4.11	4.09	4.05	3.99
52	4.19	4.19	4.16	4.11	4.04
53	4.27	4.26	4.23	4.18	4.10
54	4.35	4.34	4.31	4.25	4.16
55	4.44	4.42	4.39	4.32	4.22
56	4.53	4.51	4.47	4.40	4.29
57	4.62	4.61	4.56	4.48	4.35
58	4.72	4.71	4.65	4.56	4.42
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59	4.83	4.81	4.75	4.64	4.49
60	4.95	4.93	4.86	4.73	4.55
61	5.07	5.05	4.97	4.83	4.62
62	5.20	5.17	5.08	4.92	4.69
63	5.34	5.31	5.20	5.02	4.76
64	5.49	5.45	5.33	5.12	4.83
65	5.65	5.61	5.47	5.22	4.89
66	5.82	5.77	5.61	5.33	4.96
67	6.01	5.94	5.75	5.44	5.02
68	6.20	6.13	5.91	5.54	5.08
69	6.41	6.33	6.07	5.65	5.14
70	6.64	6.54	6.23	5.76	5.19
71	6.88	6.76	6.41	5.86	5.24
72	7.14	7.00	6.59	5.97	5.28
73	7.43	7.26	6.77	6.06	5.32
74	7.73	7.53	6.96	6.16	5.35
75	8.06	7.82	7.14	6.25	5.38

- --------------------------------------------------------------------------------</TABLE> Rates are based on mortality from 1983 Table a. The rates do not differ by sex.

Rates for ages not shown will be provided on request and will be computed on a basis consistent with the rates in the above tables.

30

<PAGE>

OPTION 4

Life Income for Two Payees

Amount of First Monthly Payment for Each $1,000
After Deduction of any Charge for Premium Taxes

Rates for a Fixed Annuity with Guaranteed interest Rate of 3.0%

<TABLE>
<CAPTION>

• -------------------------------------------------------------------------------- Adjusted Ages

• ----------------------

	Second
Annuitant	Annuitant	Option 4a	Option 4b	Option 4c	Option 4d	Option 4e

- --------------------------------------------------------------------------------

<S>	<C>	<C>	<C>	<C>	<C>	<C>
55	50	$ 3.69	$ 4.05	$ 4.27	$ 3.69	$ 4.03
55	55	3.88	4.25	4.47	3.87	4.14
55	60	3.99	4.44	4.71	3.98	4.42
60	55	3.99	4.44	4.71	3.98	4.42
60	60	4.24	4.71	4.99	4.23	4.57
60	65	4.38	4.97	5.32	4.38	4.93
65	60	4.38	4.97	5.32	4.38	4.93
65	65	4.72	5.33	5.70	4.71	5.14
65	70	4.93	5.68	6.15	4.91	5.66
70	65	4.93	5.68	6.15	4.91	5.66
70	70	5.40	6.21	6.70	5.36	5.96
70	75	5.69	6.68	7.32	5.62	6.67
75	70	5.69	6.68	7.32	5.62	6.67
75	75	6.37	7.45	8.15	6.23	7.12
75	80	6.78	8.11	8.99	6.54	8.13

- --------------------------------------------------------------------------------</TABLE> Rates are based on mortality from 1983 Table a. The rates do not differ by sex.

Rates for ages not shown will be provided on request and will be computed on a basis consistent with the rates in the above tables.

31

<PAGE>

OPTION 2

Payments for a Stated Period of Time

Amount of First Monthly Payment for Each $1,000
After Deduction of any Charge for Premium Taxes

<TABLE>
<CAPTION>

Rates for a Variable Annuity with Assumed Net Return Rate of 3.5%

- --------------------------------------------------------------------------------
	Monthly	Quarterly	Semi-Annual	Annual
Years	Payment	Payment	Payment	Payment
- --------------------------------------------------------------------------------
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<S>	<C>	<C>	<C>	<C>
3	$ 29.19	$ 87.33	$ 173.91	$ 344.86
4	22.27	66.61	132.65	263.04
5	18.12	54.19	107.92	213.99
6	15.35	45.92	91.44	181.32
7	13.38	40.01	79.69	158.01
8	11.90	35.59	70.88	140.56
9	10.75	32.16	64.05	127.00
10	9.83	29.42	58.59	116.18
11	9.09	27.18	54.18	107.34
12	8.46	25.32	50.42	99.98
13	7.94	23.75	47.29	93.78
14	7.49	22.40	44.62	88.47
15	7.10	21.24	42.31	83.89
16	6.76	20.23	40.29	79.89
17	6.47	19.34	38.51	76.37
18	6.20	18.55	36.94	73.25
19	5.97	17.85	35.54	70.47
20	5.75	17.22	34.28	67.98
21	5.56	16.65	33.15	65.74
22	5.39	16.13	32.13	63.70
23	5.24	15.66	31.19	61.85
24	5.09	15.24	30.34	60.17
25	4.96	14.85	29.56	58.62
26	4.84	14.49	28.85	57.20
27	4.73	14.15	28.19	55.90
28	4.63	13.85	27.58	54.69
29	4.53	13.57	27.02	53.57
30	4.45	13.30	26.49	52.53

- --------------------------------------------------------------------------------

</TABLE>

32

<PAGE>

OPTION 2

Payments for a Stated Period of Time

Amount of First Monthly Payment for Each $1,000
After Deduction of any Charge for Premium Taxes

<TABLE>
<CAPTION>

Rates for a Variable Annuity with Assumed Net Return Rate of 5.0%

- --------------------------------------------------------------------------------

	Monthly	Quarterly	Semi-Annual	Annual
Years	Payment	Payment	Payment	Payment

- --------------------------------------------------------------------------------

<S>	<C>	<C>	<C>	<C>
3	$ 29.80	$ 89.04	$ 176.99	$ 349.72
4	22.89	68.38	135.93	268.58
5	18.74	56.00	111.33	219.98
6	15.99	47.77	94.96	187.64
7	14.02	41.90	83.30	164.59
8	12.56	37.52	74.58	147.35
9	11.42	34.11	67.81	133.99
10	10.51	31.40	62.42	123.34
11	9.77	29.19	58.03	114.66
12	9.16	27.36	54.38	107.45
13	8.64	25.81	51.31	101.39
14	8.20	24.50	48.69	96.21
15	7.82	23.36	46.44	91.75
16	7.49	22.37	44.47	87.88
17	7.20	21.51	42.75	84.48
18	6.94	20.74	41.23	81.47
19	6.71	20.06	39.88	78.80
20	6.51	19.46	38.68	76.42
21	6.33	18.91	37.59	74.28
22	6.17	18.42	36.62	72.35
23	6.02	17.98	35.73	70.61
24	5.88	17.57	34.93	69.02
25	5.76	17.20	34.20	67.57
26	5.65	16.87	33.53	66.25
27	5.54	16.56	32.92	65.04
28	5.45	16.28	32.35	63.93
29	5.36	16.01	31.83	62.90
30	5.28	15.77	31.35	61.95

- --------------------------------------------------------------------------------

</TABLE>

33

<PAGE>

OPTION 3

Life Income

Amount of First Monthly Payment for Each $1,000

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Page 24 of 30

After Deduction of any Charge for Premium Taxes

Rates for a Variable Annuity with Assumed Net Return Rate of 3.5%

Payments Guaranteed for a Stated Period of Months

-------------------------------------------------

<TABLE>

<CAPTION>

- --------------------------------------------------------------------------------

Adjusted
Age of	None	60	120	180	240
Annuitant

- --------------------------------------------------------------------------------

<S>	<C>	<C>	<C>	<C>	<C>
50	$ 4.34	$ 4.34	$ 4.31	$ 4.27	$ 4.22
51	4.41	4.40	4.38	4.33	4.27
52	4.48	4.47	4.45	4.40	4.32
53	4.56	4.55	4.52	4.46	4.38
54	4.64	4.63	4.59	4.53	4.44
55	4.72	4.71	4.67	4.60	4.50
56	4.81	4.80	4.75	4.67	4.56
57	4.91	4.89	4.84	4.75	4.62
58	5.01	4.99	4.93	4.83	4.69
59	5.12	5.10	5.03	4.92	4.75
60	5.23	5.21	5.13	5.00	4.82
61	5.36	5.33	5.24	5.09	4.88
62	5.49	5.45	5.35	5.19	4.95
63	5.63	5.59	5.47	5.28	5.02
64	5.78	5.73	5.60	5.38	5.08
65	5.94	5.89	5.73	5.48	5.15
66	6.11	6.05	5.87	5.58	5.21
67	6.29	6.22	6.02	5.69	5.27
68	6.49	6.41	6.17	5.79	5.33
69	6.70	6.60	6.33	5.90	5.38
70	6.92	6.81	6.49	6.00	5.43
71	7.17	7.04	6.66	6.10	5.48
72	7.43	7.27	6.84	6.20	5.52
73	7.71	7.53	7.02	6.30	5.55
74	8.02	7.80	7.20	6.39	5.59
75	8.35	8.08	7.38	6.48	5.62

- --------------------------------------------------------------------------------

</TABLE>

Rates are based on mortality from 1983 Table a. The rates do not differ by sex. Rates for ages not shown will be provided on request and will be computed on a basis consistent with the rates in the above tables.

34

<PAGE>

OPTION 3

Life Income

Amount of First Monthly Payment for Each $1,000
After Deduction of any Charge for Premium Taxes

Rates for a Variable Annuity with Assumed Net Return Rate of 5.0%

	Payments Guaranteed for a Stated Period of Months
	-------------------------------------------------
<TABLE>
<CAPTION>
- --------------------------------------------------------------------------------
Adjusted
Age of	None	60	120	180	240
Annuitant
- --------------------------------------------------------------------------------
<S>	<C>	<C>	<C>	<C>	<C>
50	$ 5.26	$ 5.25	$ 5.22	$ 5.17	$ 5.11
51	5.33	5.32	5.28	5.23	5.15
52	5.40	5.38	5.34	5.29	5.20
53	5.47	5.45	5.41	5.35	5.26
54	5.54	5.53	5.48	5.41	5.31
55	5.63	5.61	5.56	5.47	5.36
56	5.71	5.69	5.63	5.54	5.42
57	5.80	5.78	5.72	5.61	5.47
58	5.90	5.88	5.81	5.69	5.53
59	6.01	5.98	5.90	5.77	5.59
60	6.12	6.09	6.00	5.85	5.65
61	6.24	6.21	6.10	6.93	5.71
62	6.37	6.33	6.21	6.02	5.77
63	6.51	6.46	6.33	6.11	5.83
64	6.66	6.60	6.45	6.20	5.89
65	6.82	6.75	6.57	6.30	5.95
66	6.99	6.91	6.71	6.39	6.01
67	7.17	7.08	6.85	6.49	6.06
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68	7.36	7.27	6.99	6.59	6.12
69	7.57	7.46	7.15	6.69	6.17
70	7.80	7.67	7.30	6.78	6.21
71	8.05	7.89	7.47	6.88	6.25
72	8.31	8.13	7.64	6.97	6.29
73	8.59	8.38	7.81	7.06	6.33
74	8.90	8.64	7.99	7.15	6.36
75	9.23	8.93	8.16	7.23	6.38

- --------------------------------------------------------------------------------</TABLE> Rates are based on mortality from 1983 Table a. The rates do not differ by sex.

Rates for ages not shown will be provided on request and will be computed on a basis consistent with the rates in the above tables.

35

<PAGE>

OPTION 4

Life Income for Two Payees

Amount of First Monthly Payment for Each $1,000
After Deduction of any Charge for Premium Taxes

Rates for a Variable Annuity with Assumed Net Return Rate of 3.5%

<TABLE>

<CAPTION>

- --------------------------------------------------------------------------------

Adjusted Ages

- -----------------------

Second

Annuitant Annuitant Option 4a Option 4b Option 4c Option 4d Option 4e

- --------------------------------------------------------------------------------

<S>		<C>		<C>	<C>	<C>	<C>	<C>
	55		50	$ 3.97	$ 4.35	$ 4.56	$ 3.97	$ 4.31
	55		55	4.16	4.54	4.76	4.15	4.42
	55		60	4.27	4.73	5.00	4.26	4.48
	60		55	4.27	4.73	5.00	4.26	4.70
	60		60	4.51	4.99	5.27	4.50	4.84
	60		65	4.66	5.25	5.61	4.65	4.93
	65		60	4.66	5.25	5.61	4.65	5.22
	65		65	4.99	5.61	5.99	4.98	5.42
	65		70	5.19	5.97	6.44	5.17	5.54
	70		65	5.19	5.97	6.44	5.17	5.93
	70		70	5.67	6.49	6.99	5.62	6.23
	70		75	5.95	6.96	7.61	5.87	6.40
	75		70	5.95	6.96	7.61	5.87	6.95
	75		75	6.64	7.73	8.43	6.48	7.40
	75		80	7.04	8.39	9.29	6.79	7.64

- --------------------------------------------------------------------------------

</TABLE>

Rates are based on mortality from 1983 Table a. The rates do not differ by sex. Rates for ages not shown will be provided on request and will be computed on a basis consistent with the rates in the above tables.

36

<PAGE>

OPTION 4

LIFE INCOME FOR TWO PAYEES

AMOUNT OF FIRST MONTHLY PAYMENT FOR EACH $1,000
AFTER DEDUCTION OF ANY CHARGE FOR PREMIUM TAXES

     Rates for a Variable Annuity with Assumed Net Return Rate of 5.0% <TABLE> <CAPTION>

• -------------------------------------------------------------------------------- ADJUSTED AGES

• --------------------

	SECOND
ANNUITANT ANNUITANT OPTION 4a OPTION 4b OPTION 4c OPTION 4d OPTION 4e
- --------------------------------------------------------------------------------
<S>	<C>	<C>	<C>	<C>	<C>	<C>
55	50	$ 4.88	$ 5.26	$ 5.48	$ 4.88	$ 5.23
55	55	5.04	5.44	5.66	5.04	5.32
55	60	5.15	5.63	5.91	5.14	5.38
60	55	5.15	5.63	5.91	5.14	5.59
60	60	5.37	5.87	6.16	5.37	5.72
60	65	5.52	6.14	6.51	5.51	5.80
65	60	5.52	6.14	6.51	5.51	6.10
65	65	5.83	6.49	6.87	5.82	6.29
65	70	6.04	6.84	7.34	6.00	6.41
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70	65	6.04	6.84	7.34	6.00	6.81
70	70	6.49	7.35	7.87	6.44	7.08
70	75	6.77	7.84	8.51	6.68	7.25
75	70	6.77	7.84	8.51	6.68	7.81
75	75	7.45	8.60	9.33	7.27	8.25
75	80	7.86	9.28	10.20	7.57	8.49

- --------------------------------------------------------------------------------</TABLE> Rates are based on mortality from 1983 Table a. The rates do not differ by sex.

Rates for ages not shown will be provided on request and will be computed on a basis consistent with the rates in the above tables.

37

<PAGE>

- -------------------------------------------------------------------------------

[LOGO OF AETNA INSURANCE COMPANY OF AMERICA APPEARS HERE]

Aetna Insurance Company of America
Home Office: 151 Farmington Avenue
Hartford, Connecticut 06156
(800) 531-4547

Group Variable, Fixed, or Combination Annuity Contract
Nonparticipating

- -------------------------------------------------------------------------------

ALL PAYMENTS AND VALUES PROVIDED BY THE GROUP CONTRACT, WHEN BASED ON INVESTMENT EXPERIENCE OF A SEPARATE ACCOUNT, ARE VARIABLE AND ARE NOT GUARANTEED AS TO FIXED DOLLAR AMOUNT. THIS CONTRACT CONTAINS A MARKET VALUE ADJUSTMENT FORMULA. APPLICATION OF A MARKET VALUE ADJUSTMENT MAY RESULT IN EITHER AN INCREASE OR DECREASE IN THE CURRENT VALUE. THE MARKET VALUE ADJUSTMENT FORMULA DOES NOT APPLY TO A GUARANTEED TERM AT THE TIME OF ITS MATURITY.

<PAGE>

Aetna Insurance Company of America

Endorsement

This Contract is endorsed as follows.

Add the following to Section I, General Definitions:

Dollar Cost Averaging - A program that permits the Certificate Holder to systematically transfer amounts from any of the Funds and the one-year MG Account Guaranteed Term to any of the Funds by completing the appropriate section of the enrollment form or a Dollar Cost Averaging election form.

Delete Section 1.06, Beneficiary, and replace it with the following:

1.06      Beneficiary - The individual or estate entitled to receive any payment from the Account upon the death of the Annuitant, or if the Certificate Holder is different from the Annuitant, upon the death of the Certificate Holder. If the Account is held by joint Certificate Holders, the survivor will be deemed the designated Beneficiary and any other Beneficiary on record will be treated as the contingent Beneficiary.

Delete Section 1.07, Certificate Holder, and replace it with the following:

1.07      Certificate Holder - A person who purchases an interest in this Contract as evidenced by a certificate. Aetna reserves the right to limit ownership to natural persons. If more than one Certificate Holder owns an Account, each Certificate Holder will be a joint Certificate Holder. Any joint Certificate Holder must be the spouse of the other joint Certificate. Joint Certificate Holders have joint ownership rights and both must authorize exercising any ownership rights unless Aetna allows otherwise. If the Account is owned by a nonnatural person, the death benefit will be paid at the death of the Annuitant.

Delete Section 1.21, Market Value Adjustment, and replace it with the following.

1.21      Market Value Adjustment - An adjustment that may apply to an amount withdrawn or transferred from an MG Account Guaranteed Term prior to the end of that Guaranteed Term. The adjustment reflects the change in the value of the investment due to changes in interest rates since the date of deposit and is computed using the formula given in 3.06. The adjustment is expressed as a percentage of each dollar withdrawn or transferred.

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1

<PAGE>

Delete Section 2.04, Payments and Elections, and replace it with the following:

2.04

Payments and Elections - While the Certificate Holder is living, Aetna will pay the Certificate Holder any Annuity payments as and when due.

After the Certificate Holder's death, or at the death of the first Certificate Holder if the Account is owned jointly, any Annuity payments remaining to be made will be paid in accordance with 4.03. Aetna will determine other payments and/or elections as of the end of the Valuation Period in which the request is received at its Home Office. Such payments will be made within seven calendar days of receipt at its Home Office of a written claim for payment which is in good order, except as provided in 3.15.

Delete Section 2.06, Control of Contract, and replace it with the following:

2.06	Control of Contract - This is a Contract between the Contract Holder and Aetna. The Contract Holder has title to the Contract. Contract Holder rights are limited to accepting or rejecting Contract modifications. The Certificate Holder has all other rights to amounts held in his or her Account.
	Each Certificate Holder shall own all amounts held in his or her Account. Each Certificate Holder may make any Certificate Holder choices allowed under this Contract. Certificate Holder choices made under this Contract must be in writing. If the Account is owned jointly both joint Certificate Holders must authorize any Certificate Holder change in writing. Until receipt of such choices at Aetna's Home Office, Aetna may rely on any previous choices made.
	The Contract is not subject to the claims of any creditors of the Contract Holder or Certificate Holder, except to the extent permitted by law.

The Certificate Holder may assign or transfer his or her rights under the Contract. Aetna reserves the right not to accept assignment or transfer to a nonnatural person. Any assignment or transfer made must be submitted to Aetna's Home Office in writing and will not be effective until accepted by Aetna.

Delete Section 2.07, Designation of Beneficiary, and replace it with the following:

2.07      Designation of Beneficiary - Each Certificate Holder shall name his or her Beneficiary. If the Account is owned jointly, both joint Certificate Holders must agree in writing to the Beneficiary designated. The Beneficiary may be changed at any time. Changes to a Beneficiary must be submitted to Aetna's Home Office in writing and will not be effective until accepted by Aetna.

2

<PAGE>

Delete the first two paragraphs of Section 3.06, Market Value Adjustment, and replace them with the following:

3.06	Market Value Adjustment - Except as noted below, an MVA will apply to a
	withdrawal	from the MG Account before the end of a Guaranteed Term when
	the	withdrawal is:
	(a)	A Transfer, except for Transfers from the one-year MG Account Guaranteed Term under the Dollar Cost Averaging program or, as specified in 1.23, MG Account Matured Term Value Transfer;
	(b)	A full or partial surrender (including a 10% free withdrawal under 3.14), except for a partial withdrawal under the Systematic Withdrawal Option (see 3.10); or
	(c)	An election of Annuity option 2 (see 4.07).
	Full	and partial surrenders and Transfers made within six months after
	the	date of the Annuitant's death will be the greater of:
	(a)	The aggregate MVA amount which is the sum of all market value adjusted amounts calculated due to a withdrawal of amounts. This total may be greater or less than the Current Value of those amounts; or
	(b)	The applicable portion of the Current Value in the MG Account.

Delete Section 3.07, Transfer of Current Value from the Funds or MG Account, and replace them with the following:

3.07      Transfer of Current Value from the Funds or MG Account - Before an Annuity option is elected, all or any portion of the Adjusted Current Value of the Certificate Holder's Account may be transferred from any Fund or Guaranteed Term of the MG Account:

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(a)	To any other Fund; or
(b)	To an Guaranteed Term of the MG Account available in the current Deposit Period.

Transfer requests can be submitted as a percentage or as a dollar amount. Aetna may establish a minimum transfer amount. Within a Guaranteed Term Group, the amount to be surrendered to transferred will be withdrawn first from the oldest Deposit Period, then from the next oldest, and so on until the amount requested is satisfied.

3

<PAGE>

The Certificate Holder may make an unlimited number of Transfers during the Accumulation Period. The number of free Transfers allowed by Aetna is shown on Contract Schedule I. Additional Transfers may be subject to a Transfer fee as shown on Contract Schedule I.

Amounts transferred from the MG Account under the Dollar Cost Averaging program, or amounts transferred as a Matured Term Value on or within one calendar month of the Term's Maturity Date, do not count against the annual Transfer limit.

Amounts applied to Guaranteed Terms of the MG Account may not be
transferred to the Funds or to another Guaranteed Term during the
Deposit Period or for 90 days after the close of the Deposit Period
except for (1) a Matured Term Value(s) during the calendar month
following the Term's Maturity Date and (2) amounts transferred from
the one-year MG Account Guaranteed Term under the Dollar Cost
Averaging program.

Delete the first paragraph in Section 3.10, Systematic Withdrawal Option (SWO), and replace it with the following:

3.10	Systematic Withdrawal Option (SWO) - A distribution option under which a portion of the Account's Current Value will be automatically surrendered and distributed each year. SWO payments will be calculated on the Account's full Current Value. The distributed amount is withdrawn pro rata from each investment option under the Account. A
	Surrender Fee will not be deducted from any portion of the Current Value which is paid as a distribution under SWO. Certificate Holders should consult their tax advisor prior to requesting this distribution option. Aetna will not be responsible for any adverse tax consequences due to receiving SWO payments.

Delete Section 3.11, Death Benefit Amount, and replace it with the following:

3.11	Death Benefit Amount - If the Certificate Holder or Annuitant dies
	before	Annuity payments start, the Beneficiary is entitled to a death
	benefit	under the Account. If the Account is owned jointly, the death
	benefit	is paid at the death of the first joint Certificate Holder to
	die.	The claim date is the date when proof of death and the
	Beneficiary's	claim are received in good order at Aetna's Home Office.
	The	amount of the death benefit is determined as follows:
	(a)	Death of Annuitant less than 75 years of age: The guaranteed death benefit is the greatest of:

4

<PAGE>

(1) The sum of all Net Purchase Payment(s) made to the Account (as
of the date of death) minus the sum of all amounts surrendered,
applied to an Annuity, or deducted from the Account;

(2) The highest step-up value as of the date of death. A step-up
value is determined on each anniversary of the Effective Date.
Each step-up value is calculated as the Account's Current Value
on the Effective Date anniversary, increased by the amount of
any Purchase Payment(s) made, and decreased by the sum of all
amounts surrendered, deducted, and/or applied to an Annuity
option since the Effective Date anniversary.

(3) The Account's Current Value as of the date of death.

The excess, if any, of the guaranteed death benefit value over the
Account's Current Value is determined as of the date of death. Any
excess amount will be deposited in the Account and allocated to the
Aetna Variable Encore Fund as of the claim date. The Current Value
on the claim date, plus any excess amount deposited, becomes the
Account's Current Value.

(b)      Death of Annuitant age 75 or greater: The death benefit amount is the greatest of:

(1) The sum of all Net Purchase Payment(s) made to the Account (as
of the date of death) minus the sum of all amounts surrendered,
applied to an Annuity, or deducted from the Account;

(2) The highest step-up value prior to the Certificate Holder's
75th birthday. A step-up value is determined on each

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anniversary of the Effective Date. Each step-up value is
calculated as the Account's Current Value on the Effective Date
anniversary, increased by the amount of any Purchase Payment(s)
made, and decreased by the sum of all amounts surrendered,
deducted, and/or applied to an Annuity option since the
Effective Date anniversary.

(3) The Account's Current Value as of the date of death.

The excess, if any, of the guaranteed death benefit value over the
Account's Current Value is determined as of the date of death. Any
excess amount will be deposited in the Account and allocated to the
Aetna Variable Encore Fund as of the claim date. The Current Value
on the claim date, plus any excess amount deposited, becomes the
Account's Current Value.

(c) Death of Certificate Holder if the Certificate Holder is not the
Annuitant: The death benefit amount is the Account's Adjusted
Current Value on the claim

5

<PAGE>

date. A Surrender Fee may apply to any full or partial surrender
(see 3.14 and Contract Schedule I).

(d) At the death of a surviving spouse Beneficiary who continued the Account in his or her own name, the death benefit amount is equal to the Account's Current Value less any applicable Surrender Fee on the amount of any Purchase Payment(s) made since the death of the Certificate Holder.

Delete Section 3.12, Death Benefit Options available to Beneficiary, and replace it with the following:

3.12	Death Benefit Options available to Beneficiary - Prior to any election,
	or	until amounts must be otherwise distributed under this section, the
	Account's	Current Value will be retained in the Account. The
	Beneficiary	has the right to allocate or reallocate any amount to any
	available	investment option (subject to an MVA if applicable). The
	following	options are available to the Beneficiary:
	(a)	When the Certificate Holder is the Annuitant: If the Certificate Holder/Annuitant dies, and:

(1) If the Beneficiary is the Certificate Holder's surviving
spouse, the Beneficiary may exercise all Certificate Holder
rights under the Contract and continue in the Accumulation
Period, or may elect (i), (ii), or (iii) below. Under the Code,
distributions from the Account are not required until the
spousal Beneficiary's death. The spousal Beneficiary may elect
to:

(i)	Apply some or all of the Adjusted Current Value to Annuity option 2, 3 or 4 (see 4.07);
(ii)	Apply some or all of the Adjusted Current Value to Annuity option 1 (see 4.07); or
(iii)	Receive, at any time, a lump sum payment equal to the Account's Adjusted Current Value.

(2) If the Beneficiary is other than the Certificate Holder's
surviving spouse, then options (i), (ii), or (iii) under (1)
above apply. Any portion of the Adjusted Current Value not
applied to Annuity option 2, 3 or 4 within one year of the
Certificate Holder's death, must be distributed within five
years of the date of death.

(3) If no Beneficiary exists, a lump sum payment equal to the
Adjusted Current Value will be made to the Certificate Holder's
estate.

6

<PAGE>

(b)      When the Certificate Holder is not the Annuitant and the Certificate Holder dies, and:

(1) If the Beneficiary is the Certificate Holder's surviving
spouse, the Beneficiary may exercise all Certificate Holder
rights under the Contract and continue in the Accumulation
Period, or may elect (i), (ii), or (iii) below. Under the
Code, distributions from the Account are not required until
the spousal Beneficiary's death. The spousal Beneficiary may
elect to:

(i)	Apply some or all of the Adjusted Current Value to Annuity option 2, 3 or 4 (see 4.07);
(ii)	Apply some or all of the Surrender Value to Annuity option 1 (see 4.07); or

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(iii)      Receive, at any time, a lump sum payment equal to the Account's Surrender Value.

(2) If the Beneficiary is other than the Certificate Holder's
surviving spouse, then options (i), (ii), or (iii) under (1)
above apply. Any portion of the Adjusted Current Value not
applied to Annuity Option 2, 3, or 4 within one year of the
Certificate Holder's death, must be distributed within five
years of the date of death.

(3) If no Beneficiary exists, a lump sum payment equal to the
Surrender Value will be made to the Certificate Holder's
estate.

(c)      When the Certificate Holder is not the Annuitant and the Annuitant dies: The Beneficiary must elect Annuity option 2, 3, or 4 within 60 days of the date of death or the gain, if any, will be includable in the Beneficiary's income in the tax year in which the Annuitant dies.

Delete Section 3.13, Liquidation of Surrender Value, and replace it with the following:

3.13      Liquidation of Surrender Value - All or any portion of the Account's Current Value may be surrendered at any time. Surrender requests can be submitted as a percentage of the Account's Current Value or as a specific dollar amount. Net Purchase Payment amounts are withdrawn first, and then the excess value, if any. For any partial surrender, amounts are withdrawn on a pro rata basis from the Fund(s) and/or the Guaranteed Term(s) Groups of the MG Account in which the Current Value is invested. Within a Guaranteed Term Group, the amount to be surrendered or transferred will be withdrawn first from the oldest Deposit Period, then from the next oldest, and so on until the amount requested is satisfied.

7

<PAGE>

After deduction of the Maintenance Fee, if applicable, the
surrendered amount shall be reduced by a Surrender Fee, if
applicable. An MVA may apply to amounts surrendered from the MG
Account.

Delete subsection (a) of Section 4.03, Death of Annuitant/Beneficiary, and replace it with the following:

4.03      Death of Annuitant/Beneficiary; (a) Certificate Holder is Annuitant: When the Certificate Holder is the Annuitant and the Annuitant dies under option 2 or 3, or both the Annuitant and the second Annuitant die under option 4(d), the present value of any remaining guaranteed payments will be paid in one sum to the Beneficiary, or upon election by the Beneficiary, any payments remaining will continue to the Beneficiary. If option 4 has been elected and the Certificate Holder dies, the remaining payments will continue to the successor payee. If no successor payee has been designated, the Beneficiary will be treated as the successor payee. If the Account has joint Certificate Holders, the surviving joint Certificate Holder will be deemed the successor payee.

Delete the first paragraph of subsection (b) of Section 4.03, Death of Annuitant/Beneficiary, and replace it with the following:

(b)      Certificate Holder is Not Annuitant: When the Certificate Holder is not the Annuitant and the Certificate Holder dies, the remaining payments under options 2, 3 or 4 will continue to the successor payee. If no successor payee has been designated, the Beneficiary will be treated as the successor payee. If the Account has joint Certificate Holders, the surviving joint Certificate Holder will be deemed the successor payee.

Endorsed and made part of the Certificate on the Effective Date of the Contract.

/s/ SIGNATURE APPEARS HERE

President
Aetna Insurance Company of America

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EX-16

Exhibit 16(4)(c) - [Aetna logo]	Aetna Insurance Company of America
	Home Office: 151 Farmington Avenue
	P.O. Box 30670
	Hartford, Connecticut 06150-0670
	(800) 531-4547
You may call the toll-free number shown above for answers to questions or to
resolve a complaint.
Aetna Insurance Company of America, a stock company, herein called Aetna,
agrees to pay the benefits stated in this Contract.
Specifications
- --------------------------------------------------------------------------------
Plan
SPECIMEN
- --------------------------------------------------------------------------------
Type of Plan
SPECIMEN
- --------------------------------------------------------------------------------
Contract Holder
SPECIMEN
- --------------------------------------------------------------------------------
Contract Number
SPECIMEN
- --------------------------------------------------------------------------------
Effective Date
SPECIMEN
- --------------------------------------------------------------------------------
This Contract is delivered in YOUR STATE and is subject to the laws of that
jurisdiction
The variable features of the Group Contract are described in parts III and IV.
Right to Cancel
- --------------------------------------------------------------------------------
The Group Contract Holder may cancel this Contract within 10 days by returning
it to the agent from whom it was purchased, or to Aetna at the address shown
above. Within seven days of receiving the Contract at its home office, Aetna
will return the amount of Certificate Holder Purchase Payment(s) received, plus
any increase, or minus any decrease, on the amount, if any, allocated to the
Separate Account fund(s).
This page and the pages that follow constitute the entire Contract.
Signed at the home office on the Effective Date.
/s/ Daniel Kearney	/s/ Maria F. McKeon
President	Secretary
Group Variable, Fixed, or Combination Annuity Contract
Nonparticipating
ALL PAYMENTS AND VALUES PROVIDED BY THE GROUP CONTRACT, WHEN BASED ON INVESTMENT
EXPERIENCE OF A SEPARATE ACCOUNT, ARE VARIABLE AND ARE NOT GUARANTEED AS TO
FIXED DOLLAR AMOUNT. THIS CONTRACT CONTAINS A MARKET VALUE ADJUSTMENT FORMULA.
APPLICATION OF A MARKET VALUE ADJUSTMENT MAY RESULT IN EITHER AN INCREASE OR
DECREASE IN THE CURRENT VALUE. THE MARKET VALUE ADJUSTMENT FORMULA DOES NOT
APPLY TO A GUARANTEED TERM AT THE TIME OF ITS MATURITY.
G-MP2(5/96)
<PAGE>
Specifications
- --------------------------------------------------------------------------------
Guaranteed	There is a guaranteed interest rate for Purchase
Interest Rate	Payment(s) held in the AG Account. (See Contract
	Schedule I).
- --------------------------------------------------------------------------------
Deductions from	There will be deductions for mortality and expense
the Separate	risks and administrative fees. (See Contract
Account	Schedule I and II).
- --------------------------------------------------------------------------------
Deduction from	Purchase Payment(s) are subject to a deduction for
Purchase	premium taxes, if any. (See 3.01.)
Payment(s)
- --------------------------------------------------------------------------------
Surrender	There will be a charge deducted upon surrender. (See
Fee	Contract Schedule I).
This Contract is a legal contract and constitutes the entire legal relationship
between Aetna and the Contract Holder.
READ THIS CONTRACT CAREFULLY. This Contract sets forth, in detail, all of the
rights and obligations of both you and Aetna. THEREFORE, IT IS IMPORTANT THAT
YOU READ THIS CONTRACT CAREFULLY.
	2

<PAGE>
	Contract Schedule I
	Accumulation Period
Separate Account
- --------------------------------------------------------------------------------
Separate Account:	Variable Annuity Account I
Charges to Separate	A daily charge is deducted from any portion of the
Account:	Current Value allocated to the Separate Account.
	The deduction is the daily equivalent of the
	annual effective percentage shown in the following
	chart:
	Administrative Charge	0.15%
	Mortality Risk Charge	0.35%
	Expense Risk Charge	0.90%
		-----
Total Separate Account
	Charges	1.40%
AICA Guaranteed Account (AG Account)
- --------------------------------------------------------------------------------
Minimum Guaranteed	3.0% (effective annual rate of return)
Interest Rate:
Separate Account and AG Account
- --------------------------------------------------------------------------------
Transfers:	An unlimited number of Transfers are allowed
	during the Accumulation Period. Aetna allows 12
	free Transfers in any calendar year. Thereafter,
	Aetna reserves the right to charge $10 for each
subsequent Transfer.
Maintenance Fee:	The annual Maintenance Fee is $30. If the
	Account's Current Value is $50,000 or more on the
	date the Maintenance Fee is to be deducted, the
Maintenance Fee is $0.
	3
<PAGE>
	Contract Schedule I (Continued)
	Accumulation Period
Separate Account and AG Account (Cont'd)
- --------------------------------------------------------------------------------
Surrender Fee:	For each surrender, the Surrender Fee will be
	determined as follows:
		Surrender Fee
		(as percentage
	Length of Time from Deposit of Net	of Net Purchase
	Purchase Payment (Years)	Payment)
	------------------------	--------
	Less than 2 years	7%
	2 or more but less than 4 years	6%
	4 or more but less than 5 years	5%
	5 or more but less than 6 years	4%
	6 or more but less than 7 years	3%
	7 years or more	0%
Systematic Withdrawal	The specified payment or specified percentage may
Option (SWO):	not be greater than 10% of the Account's Current
	Value at time of election.
See 1. GENERAL DEFINITIONS for explanations.
	4
<PAGE>
Contract Schedule II
Annuity Period
Separate Account
- --------------------------------------------------------------------------------
Charges to Separate	A daily charge at an annual effective rate of
Account:	1.25% for Annuity mortality and expense risks. The
	administrative charge is established upon election
	of an Annuity option. This charge will not exceed
	0.25%.
Variable Annuity Assumed	If a Variable Annuity is chosen, an assumed annual
Annual Net Return Rate:	net return rate of 5.0% may be elected. If 5.0% is
	not elected, Aetna will use an assumed annual net
return rate of 3.5%.

Page 3 of 24

The assumed annual net return rate factor for 3.5%
per year is 0.9999058.

The assumed annual net return rate factor for 5.0%
per year is 0.9998663.

If the portion of a Variable Annuity payment for
any Fund is not to decrease, the Annuity return
factor under the Separate Account for that Fund
must be:

(a) 4.75% on an annual basis plus an annual return
of up to 0.25% to offset the administrative
charge set at the time Annuity payments
commence if an assumed annual net return rate
of 3.5% is chosen; or

(b) 6.25% on an annual basis plus an annual return
of up to 0.25% to offset the administrative
charge set at the time Annuity payments
commence, if an assumed annual net return rate
of 5% is chosen.

Fixed Annuity

- --------------------------------------------------------------------------------Minimum Guaranteed 3.0% (effective annual rate of return) Interest Rate:

See 1. GENERAL DEFINITIONS for explanations.

5

<PAGE>

TABLE OF CONTENTS

I.	GENERAL DEFINITIONS
-	--------------------------------------------------------------------------------

	Page
1.01 Account	9
1.02 Accumulation Period	9
1.03 Adjusted Current Value	9
1.04 AICA Guaranteed Account (AG Account)	9
1.05 Annuitant	9
1.06 Annuity	9
1.07 Beneficiary	9
1.08 Certificate Holder	9
1.09 Code	9
1.10 Contract	9
1.11 Contract Holder	9
1.12 Current Value	9
1.13 Deposit Period	10
1.14 Dollar Cost Averaging	10
1.15 Fixed Annuity	10
1.16 Fund(s)	10
1.17 General Account	10
1.18 Guaranteed Rates - AG Account	10
1.19 Guaranteed Term	10
1.20 Guaranteed Term(s) Groups	10
1.21 Maintenance Fee	11
1.22 Market Value Adjustment (MVA)	11
1.23 Matured Term Value	11
1.24 Matured Term Value Transfer	11
1.25 Maturity Date	11
1.26 Net Purchase Payment(s)	11
1.27 Nonunitized Separate Account	11
1.28 Purchase Payment(s)	11
1.29 Reinvestment	11
6
<PAGE>
	Page
1.30 Separate Account	12
1.31 Surrender Value	12
1.32 Transfers	12
1.33 Valuation Period (Period)	12
1.34 Variable Annuity	12

II.	GENERAL PROVISIONS
-	--------------------------------------------------------------------------------

2.01 Change of Contract	12
2.02 Change of Fund(s)	13
2.03 Nonparticipating Contract	13
2.04 Payments and Elections	14
2.05 State Laws	14
2.06 Control of Contract	14
2.07 Designation of Beneficiary	14
2.08 Misstatements and Adjustments	14
2.09 Incontestability	14
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2.10 Grace Period	15
2.11 Individual Certificates	15

III.	PURCHASE PAYMENT, CURRENT VALUE, AND SURRENDER PROVISIONS
-	--------------------------------------------------------------------------------

3.01 Net Purchase Payment	15
3.02 Certificate Holder's Account	15
3.03 Fund(s) Record Units -- Separate Account	15
3.04 Net Return Factor(s) -- Separate Account	16
3.05 Fund Record Unit Value -- Separate Account	16
3.06 Market Value Adjustment	16
3.07 Transfer of Current Value from the Funds or AG Account	17
3.08 Notice to the Certificate Holder	18
3.09 Loans	18
3.10 Systematic Withdrawal Option (SWO)	18
3.11 Death Benefit Amount	20

7

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	Page
3.12 Death Benefit Options Available to Beneficiary	20
3.13 Liquidation of Surrender Value	22
3.14 Surrender Fee	22
3.15 Payment of Surrender Value	23
3.16 Payment of Adjusted Current Value	23

IV.	ANNUITY PROVISIONS
-	--------------------------------------------------------------------------------

4.01 Choices	23
4.02 Terms of Annuity Options	24
4.03 Death of Annuitant/Beneficiary	25
4.04 Fund(s) Annuity Units -- Separate Account	26
4.05 Fund(s) Annuity Unit Value -- Separate Account	26
4.06 Annuity Net Return Factor(s) -- Separate Account	26
4.07 Annuity Options	27

8

<PAGE>

I.	GENERAL DEFINITIONS
-	--------------------------------------------------------------------------------

1.01 Account:	A record established for each Certificate Holder to maintain the value of all Net Purchase Payments held on his/her behalf during the Accumulation Period.
1.02 Accumulation Period:	The period during which the Net Purchase Payment(s) are applied to an Account to provide future Annuity payment(s).
1.03 Adjusted Current Value:	The Current Value of an Account plus or minus any aggregate AG Account MVA, if applicable. (See 1.22)
1.04 AICA Guaranteed Account (AG Account):	An accumulation option where Aetna guarantees stipulated rate(s) of interest for specified periods of time. All assets of Aetna, including amounts in the Nonunitized Separate Account, are available to meet the guarantees under the AG Account.
1.05 Annuitant:	The person whose life is measured for purposes of the guaranteed death benefit and the duration of Annuity payments under this Contract.
1.06 Annuity:	Payment of an income: (a) For the life of one or two persons; (b) For a stated period; or (c) For some combination of (a) and (b).
1.07 Beneficiary:	The individual or estate entitled to receive any death benefit due under the Contract. If the Account is held by joint Certificate Holders, the survivor will be deemed the designated Beneficiary and any other Beneficiary on record will be treated as the contingent Beneficiary.
1.08 Certificate Holder:	A person who purchases an interest in this Contract as evidenced by a certificate. Aetna reserves the right to limit ownership to natural persons. If more than one Certificate Holder owns an Account, each Certificate Holder will be a joint Certificate Holder. Any joint Certificate Holder must be the spouse of the other joint Certificate Holder. Joint Certificate Holders have joint ownership rights and both must authorize exercising any ownership rights unless Aetna allows otherwise.

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1.09	Code:
1.10	Contract:
1.11	Contract Holder:
1.12	Current Value:

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1.13 Deposit Period:

1.14

1.15 Fixed Annuity:

1.16	Fund(s):
1.17	General Account:
1.18	Guaranteed Rates -- AG Account:

1.19 Guaranteed Term:

1.20 Guaranteed Term(s) Groups:

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The Internal Revenue Code of 1986, as it may be
amended from time to time.

This agreement between Aetna and the Contract
Holder.

The entity to which the Contract is issued.

As of the most recent Valuation Period, the Net
Purchase Payment and any additional amount
deposited pursuant to 3.11 plus any interest added
to the portion allocated to the AG Account; and
plus or minus the investment experience of the
portion allocated to the Funds since deposit; less
all Maintenance Fees deducted, any amounts
surrendered and any amounts applied to an Annuity.

9

A calendar week, a calendar month, a calendar
quarter, or any other period of time specified by
Aetna during which Net Purchase Payment(s),
Transfers and Reinvestments are accepted into the
AG Account for one or more Guaranteed Terms. Aetna
reserves the right to extend the Deposit Period.

Dollar Cost Averaging: A program that permits the
Certificate Holder to systematically transfer
amounts from any of the Funds and the one-year AG
Account Guaranteed Term to any of the Funds.
Dollar Cost Averaging is not available with the
Systematic Withdrawal Option or the Estate
Conservation Option.

An Annuity with payments that do not vary in
amount.

The open-end management investment companies
(mutual funds) in which the Separate Account
invests.

The Account holding the assets of Aetna, other
than those assets held in Aetna's separate
accounts.

Aetna will declare the interest rate(s) applicable
to a specific Guaranteed Term at the start of the
Deposit Period for that Guaranteed Term. The
rate(s) are guaranteed by Aetna for the Deposit
Period and the ensuing Guaranteed Term. The
Guaranteed Rates are annual effective yields. That
is, interest is credited daily at a rate that will
produce the Guaranteed Rate over the period of a
year. No Guaranteed Rate will ever be less than
the Minimum Guaranteed Rate shown on Contract
Schedule I.

For Guaranteed Terms of one year or less, one
Guaranteed Rate is credited for the full
Guaranteed Term. For longer Guaranteed Terms, an
initial Guaranteed Rate is credited from the date
of deposit to the end of a specified period within
the Guaranteed Term. There may be different
Guaranteed Rate(s) declared for subsequent
specified time intervals throughout the Guaranteed
Term.

The period of time for which AG Account Guaranteed
Rates are guaranteed on Net Purchase Payments,
Transfers and Reinvestments made into a current
Deposit Period for the AG Account. Such period
begins on the day following the close of the
Deposit Period and ends on the designated Maturity
Date. Guaranteed Terms are offered at Aetna's
discretion for various lengths of time ranging up
to and including ten years.

During a Deposit Period, Aetna may make available
any number of Guaranteed Terms. The Certificate
Holder may allocate Net Purchase Payments and
Transfers into any or all of the available
Guaranteed Terms.

All AG Account Guaranteed Term(s) with the same
length of time from the close of the Deposit
Period until the designated Maturity Date.

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1.21 Maintenance Fee:	The Maintenance Fee (see Contract Schedule I) will be deducted during the Accumulation Period from the Current Value on each anniversary of the date the Account is established and upon surrender of the entire Account.
1.22 Market Value Adjustment (MVA):	An adjustment that may apply to an amount withdrawn or transferred from an AG Account Guaranteed Term prior to the end of that Guaranteed Term. The adjustment reflects the change in the value of the investment due to changes in interest rates since the date of deposit and is computed using the formula given in 3.06. The adjustment is expressed as a percentage of each dollar being withdrawn.
1.23 Matured Term Value:	The amount payable on an AG Account Guaranteed Term's Maturity Date.
1.24 Matured Term Value Transfer:	During the calendar month following an AG Account Maturity Date, the Certificate Holder may notify Aetna's home office in writing to Transfer or surrender all or part of the Matured Term Value, plus interest at the new Guaranteed Rate accrued thereon, from the AG Account without an MVA. This provision only applies to the first such written request received from the Certificate Holder during this period for any Matured Term Value.
1.25 Maturity Date:	The last day of an AG Account Guaranteed Term.

1.26 Net Purchase Payment(s): The Purchase Payment less premium taxes, as applicable.

1.27 Nonunitized Separate Account:	A separate account set up by Aetna under Title 38, Section 38a-433, of the Connecticut General Statutes, that holds assets for AG Account Terms. There are no discrete units for this Account. The Certificate Holder does not participate in the investment gain or loss from the assets held in the Nonunitized Separate Account. Such gain or loss is borne entirely by Aetna. These assets may be chargeable with liabilities arising out of any other business of Aetna.
1.28 Purchase Payment(s):	Payment(s) accepted by Aetna at its home office. Aetna reserves the right to refuse to accept any Purchase Payment at any time for any reason. No advance notice will be given to the Contract Holder or Certificate Holder.
1.29 Reinvestment:	Aetna will mail a notice to the Certificate Holder at least 18 calendar days before a Guaranteed Term's Maturity Date. This notice will contain the Terms available during the current Deposit Periods with their Guaranteed Rate(s) and projected Matured Term Value. If no specific direction is given by the Certificate Holder prior to the Maturity Date, each Matured Term Value will be reinvested in the current Deposit Period for a Guaranteed Term of the same duration. If a Guaranteed Term of the same duration is unavailable, each Matured Term Value will automatically be reinvested in the current Deposit Period for the next shortest Guaranteed Term available. If no shorter Guaranteed Term is available, the next longer Guaranteed Term

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1.29 Reinvestment (Cont'd):

will be used. Aetna will mail a confirmation statement to the Certificate Holder the next business day after the Maturity Date. This notice will state the Guaranteed Term and Guaranteed Rate(s) which will apply to the reinvested Matured Term Value.

1.30 Separate Account:

A separate account that buys and holds shares of the Fund(s). Income, gains or losses, realized or unrealized, are credited or charged to the Separate Account without regard to other income, gains or losses of Aetna. Aetna owns the assets held in the Separate Account and is not a trustee as to such amounts. This Separate Account generally is not guaranteed and is held at market value. The assets of the Separate Account, to the extent of reserves and other contract liabilities of the Account, shall not be charged with other Aetna liabilities.

1.31 Surrender Value:	The amount payable by Aetna upon the surrender of
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1.32	Transfers:
1.33	Valuation Period (Period):
1.34	Variable Annuity:
II.	GENERAL PROVISIONS

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any portion of an Account.

The movement of invested amounts among the
available Fund(s) and the AG Account under this
Contract during the Accumulation Period.

The period of time for which a Fund determines its
net asset value, usually from 4:15 p.m. Eastern
time each day the New York Stock Exchange is open
until 4:15 p.m. the next such day, or such other
day that one or more of the Funds determines its
net asset value.

An Annuity with payments that vary with the net
investment results of one or more Funds under
the Separate Account.

- --------------------------------------------------------------------------------2.01 Change of Contract: Only an authorized officer of Aetna may change the terms of this Contract. Aetna will notify the Contract Holder in writing at least 30 days before the effective date of any change. Any change will not affect the amount or terms of any Annuity which begins before the change.

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2.01 Change of Contract (Cont'd):

2.02 Change of Fund(s):

Aetna reserves the right to refuse to accept any Purchase Payment at any time for any reason. This applies to an initial Purchase Payment to establish a new Account or to subsequent Purchase Payments to existing Accounts under the Contract. No advance notice will be given to the Contract Holder or Certificate Holder.

Aetna may make any change that affects the AG Account Market Value Adjustment (3.06) with at least 30 days' advance written notice to the Contract Holder and the Certificate Holder. Any such change shall become effective for any new Term and will apply to all present and future Accounts.

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Aetna reserves the right to change the terms of the Systematic Withdrawal Option (3.10) for future elections and discontinue the availability of this option after proper notification.

Any change that affects any of the following under this Contract will not apply to Accounts in existence before the effective date of the change:

(a)	Net Purchase Payment (1.26)
(b)	AG Account Guaranteed Rate (1.18)
(c)	Net Return Factor(s) -- Separate Account (3.04)
(d)	Current Value (1.12)
(e)	Surrender Value (1.31)
(f)	Fund(s) Annuity Unit Value -- Separate Account (4.05) (g) Annuity options (4.07) (h)

Fixed Annuity Interest Rates (4.01) (i) Transfers (1.32).

Any change that affects the Annuity options and the tables for the options may be made:

(a)	No earlier than 12 months after the effective date of this Contract; and
(b)	No earlier than 12 months after the effective date of any prior change.

Any Account established on or after the effective date of any change will be subject to the change. If the Contract Holder does not agree to any change under this provision, no new Accounts may be established under this Contract. This Contract may also be changed as deemed necessary by Aetna to comply with federal or state law.

The assets of the Separate Account are segregated by Fund. If the shares of any Fund are no longer available for investment by the Separate Account or if in our judgment, further investment in such shares should become inappropriate in view of the purpose of the Contract, Aetna may cease to make such Fund shares available for investment under the Contract prospectively, or Aetna may substitute shares of another Fund for shares already acquired. Aetna may also, from time to

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	time, add additional Funds. Any elimination, substitution or addition of Funds will be done in accordance with applicable state and federal securities laws. Aetna reserves the right to substitute shares of another Fund for shares already acquired without a proxy vote.
2.03 Nonparticipating Contract:	The Contract Holder, Certificate Holders or Beneficiaries will not have a right to share in the earnings of Aetna.

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2.04 Payments and Elections:	While the Certificate Holder is living, Aetna will pay the Certificate Holder any Annuity payments as and when due. After the Certificate Holder's death, or at the death of the first Certificate Holder if the Account is owned jointly, any Annuity payments required to be made will be paid in accordance with 4.03. Aetna will determine other payments and/or elections as of the end of the Valuation Period in which the request is received at its home office. Such payments will be made within seven calendar days of receipt at its home office of a written claim for payment which is in good order, except as provided in 3.15.
2.05 State Laws:	The Contract and the Certificates comply with the laws of the state in which they are delivered. Any surrender, death, or Annuity payments are equal to or greater than the minimum required by such laws. Annuity tables for legal reserve valuation shall be as required by state law. Such tables may be different from Annuity tables used to determine Annuity payments.
2.06	Control of Contract: This is a Contract between the Contract Holder and Aetna. The Contract Holder has title to the Contract. Contract Holder rights are limited to accepting or rejecting Contract modifications. The Certificate Holder has all other rights to amounts held in his or her Account. Each Certificate Holder shall own all amounts held in his or her Account. Each Certificate Holder may make any choices allowed by this Contract for his or her Account. Choices made under this Contract must be in writing. If the Account is owned jointly, both Certificate Holders must authorize any Certificate Holder change in writing. Until receipt of such choices at Aetna's home office, Aetna may rely on any previous choices made. The Contract is not subject to the claims of any creditors of the Contract Holder or the Certificate Holder, except to the extent permitted by law. The Certificate Holder may assign or transfer his or her rights under the Contract. Aetna reserves the right not to accept assignment or transfer to a nonnatural person. Any assignment or transfer made must be submitted to Aetna's home office in writing and will not be effective until accepted by Aetna.
2.07 Designation of Beneficiary:	Each Certificate Holder shall name his or her Beneficiary. If the Account is owned jointly, both joint Certificate Holders must agree in writing to the Beneficiary designated. The Beneficiary may be changed at any time. Changes to a Beneficiary must be submitted to Aetna's home office in writing and will not be effective until accepted by Aetna. If the Account is owned jointly, at the death of one joint Certificate Holder, the survivor will be deemed the Beneficiary; any other Beneficiary on record will be deemed a contingent Beneficiary.
2.08 Misstatements and Adjustments:	If Aetna finds the age of any Annuitant to be misstated, the correct facts will be used to adjust payments.
2.09 Incontestability:	Aetna cannot cancel this Contract because of any error of fact.

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2.10 Grace Period:	This Contract will remain in effect even if
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Purchase Payments are not continued except as
provided in the Payment of Adjusted Current Value
provision (see 3.17).

2.11 Individual Certificates: Aetna shall issue a certificate to each Certificate Holder. The certificate will summarize certain provisions of the Contract. Certificates are for information only and are not a part of the Contract.

III.	PURCHASE PAYMENT, CURRENT VALUE, AND SURRENDER PROVISIONS
-	--------------------------------------------------------------------------------

3.01 Net Purchase Payment: This amount is the actual Purchase Payment less any premium tax. Aetna reserves the right to pay premium taxes when due and deduct the amount from the Current Value when we pay the tax or at a later date.

The Net Purchase Payment will be credited among:

(a)	The current Deposit Period(s) for Guaranteed Terms under the AG Account; and
(b)	The Fund(s) in which the Separate Account invests.

	For each Net Purchase Payment, the Certificate Holder shall tell Aetna the allocation percentage to be applied to the current Deposit Period for each of the available Guaranteed Terms in the AG Account and/or each Fund. If allocation instructions are not received along with any subsequent Net Purchase Payment, the allocation will be the same as that indicated when the Contract was purchased. If the same Guaranteed Term is no longer available, the Net Purchase Payment will be allocated to the next shortest Guaranteed Term available in the current Deposit Period. If no shorter Guaranteed Term is available, the next longer Guaranteed Term will be used.
3.02 Certificate Holder's Account:	Aetna will maintain an Account for each Certificate Holder. Aetna will declare from time to time the acceptability and the minimum amount for additional Purchase Payments. Each Account will be subject to the Terms and Conditions of the Contract in effect at the time the first Purchase Payment for such Account is applied to the Contract except for changes made to comply with federal or state law.
3.03 Fund(s) Record Units -- Separate Account:	The portion of the Net Purchase Payment(s) applied to each Fund under the Separate Account will determine the number of Fund record units for that Fund. This number is equal to the portion of the Net Purchase Payment(s) applied to each Fund divided by the Fund record unit value (see 3.05) for the Valuation Period in which the Purchase Payment is received in good order at Aetna's home office.
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3.04 Net Return Factor(s) -- Separate Account:	The net return factor(s) are used to compute all Separate Account record units for any Fund. The net return factor(s) for each Fund is equal to 1.0000000 plus the net return rate. The net return rate is equal to:

(a)	The value of the shares of the Fund held by the Separate Account at the end of the Valuation Period; minus
(b)	The value of the shares of the Fund held by the Separate Account at the start of the Valuation Period; plus or minus
(c)	Taxes (or reserves for taxes) on the Separate Account (if any); divided by
(d)	The total value of the Fund(s) record units and Fund(s) annuity units of the Separate Account at the start of the Valuation Period; minus
(e)	A daily Separate Account charge at an annual rate as shown on Contract Schedule I for mortality and expense risks, which may include profit; and a daily administrative charge.

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	A net return rate may be more or less than 0%. The value of a share of the Fund is equal to the net assets of the Fund divided by the number of shares outstanding.
3.05 Fund Record Unit Value -- Separate Account:	A Fund record unit value is computed by multiplying the net return factors for the current Valuation Period by the Fund record unit value for the previous Period. The dollar value of Fund record units, Separate Account assets, and Variable Annuity payments may go up or down due to investment gain or loss.
3.06 Market Value Adjustment:	An MVA will apply to any withdrawal from the AG Account before the end of a Guaranteed Term when the withdrawal is:

(a)	A Transfer; except for Transfers from the one-year AG Account Guaranteed Account under the Dollar Cost Averaging program or, as specified in 1.24 Matured Term Value Transfer;
(b)	A full or partial surrender (including a 10% free withdrawal under 3.14); except for a partial withdrawal under the Systematic Withdrawal Option; or
(c)	Due to election of an Annuity (see 4.07).

Full and partial surrenders and Transfers made
within six months after the date of the
Annuitant's death will be the greater of:

(a)	The aggregate MVA amount which is the sum of all market value adjusted amounts calculated due to a withdrawal of amounts.
	This total may be greater or less than the Current Value of those amounts; or
(b)	The applicable portion of the Current Value in the AG Account.

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3.06 Market Value Adjustment (Cont'd): After the six-month period, the surrender or Transfer will be the aggregate MVA amount, which may be greater or less than the Current Value of those amounts. The greater of the aggregate MVA amount or the applicable portion of the Current Value applies to amounts withdrawn from the AG Account on account of an election of Annuity options 2 or 3 (see 4.07). Market value adjusted amounts will be equal to the amount withdrawn multiplied by the following ratio:

x
---
365

(1 + i)
-------------
x
---
365
(1 + j)

Where:

i is the Deposit Period Yield
j is the Current Yield
x is the number of days remaining,
(computed from Wednesday of the week
of withdrawal) in the Guaranteed Term.

The Deposit Period Yield will be determined as
follows:

(a)	At the close of the last business day of each week of the Deposit Period, a yield will be computed as the average of the yields on that day of U.S. Treasury Notes which mature in the last three months of the Guaranteed Term.
(b)	The Deposit Period Yield is the average of those yields for the Deposit Period. If withdrawal is made before the close of the Deposit Period, it is the average of those yields on each week preceding withdrawal.

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3.07 Transfer of Current Value from the Funds or AG Account:

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The Current Yield is the average of the yields on
the last business day of the week preceding
withdrawal on the same U.S. Treasury Notes
included in the Deposit Period Yield.

In the event that no U.S. Treasury Notes which
mature in the last three months of the Guaranteed
Term exist, Aetna reserves the right to use the
U.S. Treasury Notes that mature in the following
quarter.

Before an Annuity option is elected, all or any
portion of the Adjusted Current Value of the
Certificate Holder's Account may be transferred
from any Fund or Guaranteed Term of the AG
Account:

(a)	To any other Fund; or
(b)	To any Guaranteed Term of the AG Account available in the current Deposit Period.

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3.07 Transfer of Current Value from the Funds or AG Account (Cont'd):

Transfer requests can be submitted as a percentage or as a dollar amount. Aetna may establish a minimum transfer amount. Within a Guaranteed Term Group, the amount to be surrendered or transferred will be withdrawn first from the oldest Deposit Period, then from the next oldest, and so on until the amount requested is satisfied. The Certificate Holder may make an unlimited number of Transfers during the Accumulation Period. The number of free Transfers allowed by Aetna is shown on Contract Schedule I. Additional Transfers may be subject to a Transfer fee as shown on Contract Schedule I. Amounts transferred from the AG Account under the Dollar Cost Averaging program, or amounts transferred as a Matured Term Value on or within one calendar month of a Term's Maturity Date do not count against the annual Transfer limit. Amounts applied to Guaranteed Terms of the AG Account may not be transferred to the Funds or to another Guaranteed Term during the Deposit Period or for 90 days after the close of the Deposit Period except for (1) Matured Term Value(s) during the calendar month following the Term's Maturity Date; (2) amounts used as a premium for an Annuity option; (3) amounts transferred from the one-year AG Account Guaranteed Term under the Dollar Cost Averaging program; and (4) amounts distributed under the Systematic Withdrawal Option.

3.08 Notice to the Certificate Holder:

The Certificate Holder will receive quarterly statements from Aetna of:

(a)	The value of any amounts held in: (1) The AG Account; and
	(2) The Fund(s) under the Separate Account.
(b)	The number of any Fund(s) record units; and
(c)	The Fund(s) record unit value.

Such number or values will be as of a specific date no more than 60 days before the date of the notice.

3.09 Loans: 3.10 Systematic Withdrawal Option (SWO):

Loans are not available under this Contract. A distribution option under which a portion of the Account's Current Value will automatically be surrendered and distributed each year. SWO payments will be calculated on the Account's full Current Value. The distributed amount is withdrawn pro rata from each investment option under the Account. A Surrender Fee will not be deducted from any portion of the Current Value which is paid as a distribution under SWO. Certificate Holders should consult their tax adviser prior to requesting this distribution option. Aetna will not be responsible for any adverse tax consequences due to receiving SWO payments.

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3.10 Systematic Withdrawal Option (SWO) (Cont'd): (a) Amount of Distribution: The Certificate Holder may elect one of the three payment methods described below. (1) Specified Payment: Payments of a designated dollar amount. The annual amount may not be greater than the percentage of the Current Value at time of election as shown on Contract Schedule I. This annual dollar amount will remain constant. At its discretion, Aetna may require a minimum initial payment amount; (2) Specified Period: Payments which are made over a period of time which must be at least 10 years. The annual amount paid each year is calculated by dividing the Current Value as of December 31 of the prior year by the number of payment years remaining; or (3) Specified Percentage: Payment of a designated percentage which cannot be greater than the percentage of the Current Value at the time of election as shown on Contract Schedule I. The percentage may be changed by written request. Aetna reserves the right to limit the number of times the percentage may be changed. The annual amount is calculated by multiplying the Current Value as of December 31 of the year prior to the payment by the designated percentage.

(b)	Minimum Initial Current Value: At its discretion, Aetna may require a minimum initial Current Value for election of this option. If after election of this option the Current Value is insufficient to make a scheduled SWO payment, Aetna will distribute the entire Account balance.
(c)	Date of Distribution: The Certificate Holder shall specify the initial distribution date. The earliest date for distribution is the date on which the Certificate Holder attains age 59-1/2. As elected by the Certificate Holder, SWO payments will be made on a monthly, quarterly, semi-annual or annual basis. If SWO payments are made more frequently than annually, the designated annual amount is divided by the number of payments due each calendar year. Subsequent distributions will be made on the 15th of any month or such other date Aetna may designate or allow.
(d)	SWO payments will cease upon the Certificate Holder's or Annuitant's death. A Beneficiary, however, may elect to continue SWO as provided in 3.12.
(e)	Election and Revocation: SWO may be elected by submitting a completed and signed election form to Aetna's home office. Once elected, this option may
be	revoked by the Certificate Holder or spousal
Beneficiary,	if elected after the Certificate
Holder's	death, by submitting a written request to
Aetna	at its home office. Any revocation will apply
only	to amounts not yet paid. SWO may be elected
only	once by the Certificate Holder or by the
spousal	Beneficiary.

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3.11 Death Benefit Amount: If the Certificate Holder or Annuitant dies before Annuity payments start, the Beneficiary is entitled to a death benefit under the Account. If the Account is owned jointly, the death benefit is paid at the death of the first joint Certificate Holder to die. The claim date is the date when proof of death and the Beneficiary's claim are received in good order at Aetna's home office. The amount of the death benefit is determined as follows:

(a)      Death of Annuitant when the Certificate Holder is the Annuitant: The guaranteed death benefit is the greatest of:

(1) The sum of all Purchase Payment(s) made to
the Account (as of the date of death)

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3.12 Death Benefit Options Available to Beneficiary:

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3.12 Death Benefit Options Available to Beneficiary (Cont'd):

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minus the sum of all amounts surrendered,
applied to an Annuity, or deducted from
the Account;

(2) The highest step up value, as of the date
of death, prior to the Annuitant's 75th
birthday. A step-up value is determined on
each anniversary of the Effective Date.
Each step-up value is calculated as the
Account's Current Value on the Effective
Date anniversary, increased by the amount
of any Purchase Payment(s) made, and
decreased by the sum of all amounts
surrendered, deducted, and/or applied to
an Annuity option since the Effective Date
anniversary.

(3) The Account's Current Value as of the date
of death.

The excess, if any, of the guaranteed death
benefit value over the Account's Current
Value is determined as of the date of death.
Any excess amount will be deposited to the
Account and allocated to Aetna Variable
Encore Fund as of the claim date. The Current
Value on the claim date plus any excess
amount deposited becomes the Account's
Current Value.

(b)	Death of the Certificate Holder if the Certificate Holder is not the Annuitant: The death benefit amount is the Account's Adjusted Current Value on the claim date. A Surrender Fee may apply to any full or partial surrender (see 3.14 and Contract Schedule I).
(c)	Death of spousal Beneficiary who continued the Account: The death benefit amount equals the Account's Adjusted Current Value on the claim date, less any applicable Surrender Fee on Purchase Payments made since the death of the Certificate Holder or Annuitant.

Prior to any election, or until amounts must
be otherwise distributed under this section, the
Current Value will be retained in the Account. The
Beneficiary has the right to allocate or
reallocate any amount to any of the available
investment options (subject to an MVA if
applicable). The following options are available
to the Beneficiary:

(a)      When the Certificate Holder is the Annuitant if the the Annuitant dies (or when the Certificate Holder is a nonnatural person if the Annuitant dies):

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(1) If the Beneficiary is the surviving
spouse, the spousal Beneficiary will be
the successor Certificate Holder and may
exercise all Certificate Holder rights
under the Contract and continue in the
Accumulation Period, or may elect (i) or
(ii) below.

Under the Code, distributions from the
Account are not required until the spousal
Beneficiary's death. The spousal
Beneficiary may elect to:

(i) Apply some or all of the Adjusted
Current Value to an Annuity option
(see 4.07);

(ii) Receive, at any time, a lump sum
payment equal to the Adjusted Current
Value of the Account.

(2) If the Beneficiary is other than the
surviving spouse, options (i) or (ii) above
apply. Any portion of the Adjusted Current
Value not applied to an Annuity option
within one year of the death must be
distributed within five years of the date of
death.

(3) If no Beneficiary exists, a lump sum payment
equal to the Adjusted Current Value must be

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made to the Annuitant's estate within five
years of the date of death.

(4) If the Beneficiary is an entity, a lump sum
payment equal to the Adjusted Current Value
must be made within five years of the date
of death.

(b)      When the Certificate Holder is not the Annuitant when the Certificate Holder dies:

(1) If the Beneficiary is the Certificate Holder's
surviving spouse, the spousal Beneficiary will
be the successor Certificate Holder and may
exercise all Certificate Holder rights under
the Contract and continue in the Accumulation
Period, or may elect (i) or (ii), below. Under
the Code, distributions from the Account are
not required until the spousal Beneficiary's
death. The spousal Beneficiary may elect to:

(i) Apply some or all of the Adjusted Current
Value to Annuity option 2 or 3 (see 4.07);

(ii)      Receive, at any time, a lump sum payment equal to the Surrender Value.

(2) If the Beneficiary is other than the
Certificate Holder's surviving spouse, options
(i) or (ii) under (1) above apply. Any portion
of the death benefit not applied to an Annuity
option within one year of the Certificate
Holder's death must be distributed within five
years of the date of death.

21

<PAGE>

3.12 Death Benefit Options	(3)	If no Beneficiary exists, a lump sum
Available to Beneficiary		payment equal to the Surrender Value must
(Cont'd):		be made to the Certificate Holder's estate
		within five years of the date of death.
	(4)	If the Beneficiary is an entity, a lump
		sum payment equal to the Surrender Value
		must be made within five years of the date
		of death.

(c)When the Certificate Holder is a natural
person and not the Annuitant, when the
Annuitant dies, the Beneficiary (or the
Certificate Holder if no Beneficiary exists)
may elect to:

(i)	Apply all or some of the Adjusted Current Value to an Annuity option within 60 days of the date of death; or
(ii)	Receive a lump sum payment equal to the Adjusted Current Value.

3.13 Liquidation of Surrender Value:

All or any portion of the Account's Current Value may be surrendered at any time. Surrender requests can be submitted as a percentage of the Account value or as a specific dollar amount. Net Purchase Payment amounts are withdrawn first, and then the excess value, if any. For any partial surrender, amounts are withdrawn on a pro rata basis from the Fund(s) and/or the Guaranteed Term(s) Groups of the AG Account in which the Current Value is invested. Within a Guaranteed Term Group, the amount to be surrendered or transferred will be withdrawn first from the oldest Deposit Period, then from the next oldest, and so on until the amount requested is satisfied. After deduction of the Maintenance Fee, if applicable, the surrendered amount shall be reduced by a Surrender Fee, if applicable. An MVA may apply to amounts surrendered from the AG Account.

3.14 Surrender Fee:

The Surrender Fee only applies to the Net Purchase Payment(s) portion surrendered and varies according to the elapsed time since deposit (see Contract Schedule I). Net Purchase Payment amounts are withdrawn in the same order they were applied. No Surrender Fee is deducted from any portion of the Current Value which is paid: (a) To a Beneficiary due to the Annuitant's death

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before Annuity payments start, up to a maximum
of the aggregate Net Purchase Payment(s) minus
the total of all partial surrenders, amounts
applied to an Annuity and deductions made prior
to the Annuitant's date of death;

(b) As a premium for an Annuity option (see
4.07);

(c) As a distribution under the SWO provision
(see 3.10);

22

<PAGE>

3.14 Surrender Fee (Cont'd):

(d) At least 12 months after the date of the first Purchase Payment to the Account, in an amount equal to or less than 10% of the Current Value. This applies to the first surrender request, partial or full, in a calendar year. The Current Value is calculated as of the date the surrender request is received in good order at Aetna's home office. This waiver is not available to the Certificate Holder while SWO is in effect; (e) For a full surrender of the Account where the Current Value of the Account is $2,500 or less and no surrenders have been taken from the Account within the prior 12 months; (f) By Aetna under 3.16; or (g) If the Annuitant has spent at least 45 consecutive days in a licensed nursing care facility and each of the following conditions are met: (1) more than one calendar year has elapsed since the date the certificate was issued; and (2) the surrender is requested within 3 years of admission to a licensed nursing care facility. This waiver does not apply if the Annuitant was in a nursing care facility at the time the certificate was issued.

3.15 Payment of Surrender Value:

Under certain emergency conditions, Aetna may defer payment: (a) For a period of up to 6 months (unless not allowed by state law); or (b) As provided by federal law.

3.16 Payment of Adjusted Current Value:

Upon 90 days' written notice to the Certificate
Holder, Aetna will terminate any Account if the
Current Value becomes less than $2,500
immediately following any partial surrender.
Aetna does not intend to exercise this right in
cases where an Account Current Value is reduced
to $2,500 or less solely due to investment
performance. A Surrender Fee will not be deducted
from the Adjusted Current Value.

IV.	ANNUITY PROVISIONS
-	--------------------------------------------------------------------------------

4.01 Choices: The Certificate Holder may tell Aetna to apply any portion of the Adjusted Current Value (minus any premium tax, if applicable,) to any Annuity option (see 4.07). The first Annuity payment may not be earlier than one calendar year after the initial Purchase Payment nor later than the later of:

(a)	The first day of the month following the Annuitant's 85th birthday; or
(b)	The tenth anniversary of the last Purchase Payment. In lieu of the election of an

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<PAGE>

4.01 Choices (Cont'd):

4.02 Terms of Annuity Options:

<PAGE>

4.02 Terms of Annuity Options (Cont'd):

Page 16 of 24

Annuity, the Certificate Holder may tell Aetna
to make a lump sum payment.

23

When an Annuity option is chosen, Aetna must also
be told if payments are to be made other than
monthly and whether to pay:

(a)	A Fixed Annuity using the General Account;
(b)	A Variable Annuity using any of the Fund(s) available under this Contract for Annuity purposes; or
(c)	A combination of (a) and (b).

If a Fixed Annuity is chosen, the Annuity purchase
rate for the option chosen reflects the Minimum
Guaranteed Interest Rate (see Contract Schedule
II), but may reflect higher interest rates. If a
Variable Annuity is chosen, the initial Annuity
payment for the option chosen reflects the assumed
annual return rate elected. (see Contract Schedule
II).

(a)	When payments start, the age of the Annuitant plus the number of years for which payments are guaranteed must not exceed 95.
(b)	An Annuity option may not be elected if the first payment would be less than $50 or if the total payments in a year would be less than $250 (less if required by state law). Aetna reserves the right to increase the minimum first Annuity payment amount and the annual minimum Annuity payment amount based upon increases reflected in the Consumer Price Index-Urban, (CPI-U) since July 1, 1993.
(c)	If a Fixed Annuity is chosen and a larger payment would result from applying the Surrender Value to a current Aetna single premium immediate Annuity, Aetna will make the larger payment.
(d)	For purposes of calculating the guaranteed first payment of a Variable Annuity or the payments for a Fixed Annuity, the Annuitant's and second Annuitant's adjusted age will be used. The Annuitant's and second Annuitant's adjusted age is his or her age as of the birthday closest to the Annuity commencement date reduced by one year for Annuity
commencement	dates occurring during the period
of	time from July 1, 1993 through December 31,
1999.	The Annuitant's and second Annuitant's
age	will be reduced by two years for Annuity
commencement	dates occurring during the period
of	time from January 1, 2000 through December
31,	2009. The Annuitant's and second
Annuitant's	age will be reduced by one
additional	year for Annuity commencement dates
occurring	in each succeeding decade.
The	Annuity purchase rates for options 2 and 3
are	based on mortality from 1983 Table a.

24

(e) Assumed Annual Net Return Rate is the
interest rate used to determine the
amount of the first Annuity payment under
a Variable Annuity as shown on Contract
Schedule II. The Separate Account must
earn this rate plus enough to cover the
mortality and expense risks charges (which
may include profit) and administrative
charges if future Variable Annuity
Payments are to remain level, (see Annuity
return factor under Variable Annuity
Assumed Annual Net Return Rate on Contract
Schedule II).

(f) Once elected, Annuity payments cannot be
commuted to a lump sum except for Variable
Annuity payments under option 1 (see
4.07). The life expectancy of the
Annuitant or the Annuitant and second
Annuitant shall be irrevocable upon the
election of an Annuity option.

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4.03 Death of Annuitant/ Beneficiary:

<PAGE>

4.03 Death of Annuitant/ Beneficiary (Cont'd):

4.04 Fund(s) Annuity Units --Separate Account:

Page 17 of 24

(a) Certificate Holder is Annuitant: When
the Certificate Holder is the Annuitant
and the Annuitant dies under option 1 or
2, or both the Annuitant and the second
Annuitant die under option 3(d), the
present value of any remaining guaranteed
payments will be paid in one sum to the
Beneficiary, or upon election by the
Beneficiary, any remaining payments will
continue to the Beneficiary. If option 3
has been elected and the Certificate
Holder dies, the remaining payments will
continue to the successor payee. If no
successor payee has been designated, the
Beneficiary will be treated as the
successor payee. If the Account has joint
Certificate Holder's, the surviving joint
Certificate Holder will be deemed the
successor payee.

(b) Certificate Holder is Not Annuitant: When
the Certificate Holder is not the
Annuitant and the Certificate Holder
dies, the remaining payments will
continue to the successor payee. If no
successor payee has been designated, the
Beneficiary will be treated as the
successor payee. If the Account has joint
Certificate Holder's, the surviving joint
Certificate Holder will be deemed the
successor payee.

If the Annuitant dies under option 1 or
2, or both the Annuitant and the second
Annuitant die under option 3(d), the
present value of any remaining guaranteed
payments will be paid in one sum to the
Beneficiary, or upon the election by the
Beneficiary, any remaining payments will
continue to the Beneficiary. If option 3
has been elected, and the Annuitant dies,
the remaining payments will continue to
the Certificate Holder.

(c) No Beneficiary Named/Surviving: If there
is no Beneficiary, the present value of
any remaining payments will be paid in
one sum to the Certificate Holder, or if
the Certificate Holder is not living,
then to the Certificate Holder's estate.

25

(d) If the Beneficiary or the successor payee
dies while receiving Annuity payments,
the present value of any remaining
guaranteed payments will be paid in one
sum to the successor Beneficiary/payee,
or upon election by the successor
Beneficiary/payee, any remaining payments
will continue to the successor
Beneficiary/payee. If no successor
Beneficiary/payee has been designated,
the present value of any remaining
guaranteed payments will be paid in one
sum to the Beneficiary's/payee's estate.

(e) The present value will be determined as
of the Valuation Period in which proof of
death acceptable to Aetna and a request
for payment is received at Aetna's home
office. The interest rate used to
determine the first payment will be used
to calculate the present value.

The number of each Fund's Annuity Units is
based on the amount of the first Variable
Annuity payment which is equal to:

(a) The portion of the Current Value applied
to pay a Variable Annuity (minus any
premium tax); divided by
(b) 1,000; multiplied by
(c) The payment rate for the option chosen.

Such amount, or portion, of the variable
payment will be divided by the appropriate
Fund Annuity unit value (see 4.05) on the
tenth Valuation Period before the due date of

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4.05 Fund(s) Annuity Unit Value -- Separate Account:

4.06 Annuity Net Return Factor(s) -- Separate Account:

<PAGE>

4.06 Annuity Net Return Factor(s) -- Separate Account (Cont'd):

4.07 Annuity Options:

Page 18 of 24

the first payment to determine the number of
each Fund Annuity units. The number of each
Fund Annuity units remains fixed. Each future
payment is equal to the sum of the products
of each Fund Annuity unit value multiplied by
the appropriate number of units. The Fund
Annuity unit value on the tenth Valuation
Period prior to the due date of the payment
is used.

For any Valuation Period, a Fund Annuity unit
value is equal to: Account:

(a) The value for the previous Period;
multiplied by
(b) The Annuity net return factor(s) (see
4.06 below) for the Period; multiplied by
(c) A factor to reflect the assumed annual
net return rate (see Contract Schedule
II).

The dollar value of a Fund Annuity unit
values and Annuity payments may go up or down
due to investment gain or loss.

The Annuity net return factor(s) are used to
compute all Separate Account Annuity Payments
for any Fund.

The Annuity net return factor(s) for each
Fund is equal to 1.0000000 plus the net
return rate.

The net return rate is equal to:

(a) The value of the shares of the Fund held
by the Separate Account at the end of a
Valuation Period; minus

26

(b) The value of the shares of the Fund held
by the Separate Account at the start of
the Valuation Period; plus or minus

(c) Taxes (or reserves for taxes) on the
Separate Account (if any); divided by

(d) The total value of the Fund(s) record
units and Fund(s) Annuity units of the
Separate Account at the start of the
Valuation Period; minus

(e) A daily charge for Annuity mortality and
expense risks, which may include profit,
and a daily administrative charge (at the
annual rate as shown on Contract Schedule
II).

A net return rate may be more or less than
0%.

The value of a share of the Fund is equal to
the net assets of the Fund divided by the
number of shares outstanding.

Payments shall not be changed due to changes
in the mortality or expense results or
administrative charges.

Option 1 -- Payments for a Stated Period of
Time -- An Annuity will be paid for the
number of years chosen. The number of years
must be at least 5 and not more than 30.

If payments for this option are made under a
Variable Annuity, the present value of any
remaining payments may be withdrawn at any
time. If a withdrawal is requested within 3
years after the start of payments, it will be
treated as a surrender and any applicable
Surrender Fee will be applied (see 3.14).

If a nonspouse Beneficiary elects this option
at the death of the Certificate Holder, the
period selected may not extend beyond the
Beneficiary's life expectancy.

Option 2 -- Life Income -- An Annuity will be

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paid for the life of the Annuitant. If also
chosen, Aetna will guarantee payments for 60,
120, 180, or 240 months.

Option 3 -- Life Income Based upon the Lives
of Two Annuitants -- An Annuity will be paid
during the lives of the Annuitant and a
second Annuitant. Payments will continue
until both Annuitants have died. When this
option is chosen, a choice must be made of:

(a)	100% of the payment to continue after the first death;
(b)	66-2/3% of the payment to continue after the first death;
(c)	50% of the payment to continue after the first death;
(d)	Payments for a minimum of 120 months with 100% of the payment to continue after the first death; or
(e)	100% of the payment to continue at the death of the second Annuitant and 50% of the payment to continue at the death of the Annuitant.

Other Options -- Aetna may make other options
available as allowed by the laws of the state
in which this Contract and the Certificate is
delivered.

27

<PAGE>

OPTION 1

Payments for a Stated Period of Time

Amount of First Monthly Payment for Each $1,000
After Deduction of any Charge for Premium Taxes

Rates for a Fixed Annuity with Guaranteed Interest Rate of 3.0%

	Guaranteed	Monthly	Quarterly	Semi-Annual	Annual
Years	Rate	Payment	Payment	Payment	Payment

- --------------------------------------------------------------------------------

3	3.00%	$ 28.99	$ 86.76	$ 172.88	$ 343.23
4	3.00%	22.06	66.02	131.56	261.19
5	3.00%	17.91	53.59	106.78	211.99
6	3.00%	15.14	45.30	90.27	179.22
7	3.00%	13.16	39.39	78.49	155.83
8	3.00%	11.68	34.96	69.66	138.31
9	3.00%	10.53	31.52	62.81	124.69
10	3.00%	9.61	28.77	57.33	113.82
11	3.00%	8.86	26.52	52.85	104.93
12	3.00%	8.24	24.65	49.13	97.54
13	3.00%	7.71	23.08	45.98	91.29
14	3.00%	7.26	21.73	43.29	85.95
15	3.00%	6.87	20.56	40.96	81.33
16	3.00%	6.53	19.54	38.93	77.29
17	3.00%	6.23	18.64	37.14	73.74
18	3.00%	5.96	17.84	35.56	70.59
19	3.00%	5.73	17.13	34.14	67.78
20	3.00%	5.51	16.50	32.87	65.26
21	3.00%	5.32	15.92	31.72	62.98
22	3.00%	5.15	15.40	30.68	60.92
23	3.00%	4.99	14.92	29.74	59.04
24	3.00%	4.84	14.49	28.88	57.33
25	3.00%	4.71	14.09	28.08	55.76
26	3.00%	4.59	13.73	27.36	54.31
27	3.00%	4.47	13.39	26.68	52.97
28	3.00%	4.37	13.08	26.06	51.74
29	3.00%	4.27	12.79	25.49	50.60
30	3.00%	4.18	12.52	24.95	49.53

     28 <PAGE> OPTION 2 Life Income

Amount of First Monthly Payment for Each $1,000 After Deduction of any Charge for Premium Taxes

Rates for a Fixed Annuity with Guaranteed Interest Rate of 3.0%

Payments Guaranteed for a Stated Period of Months

Adjusted
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Age of	None	60	120	180	240
Annuitant

- --------------------------------------------------------------------------------

50	$ 4.05	$ 4.05	$ 4.03	$ 3.99	$ 3.93
51	4.12	4.11	4.09	4.05	3.99
52	4.19	4.19	4.16	4.11	4.04
53	4.27	4.26	4.23	4.18	4.10
54	4.35	4.34	4.31	4.25	4.16
55	4.44	4.42	4.39	4.32	4.22
56	4.53	4.51	4.47	4.40	4.29
57	4.62	4.61	4.56	4.48	4.35
58	4.72	4.71	4.65	4.56	4.42
59	4.83	4.81	4.75	4.64	4.49
60	4.95	4.93	4.86	4.73	4.55
61	5.07	5.05	4.97	4.83	4.62
62	5.20	5.17	5.08	4.92	4.69
63	5.34	5.31	5.20	5.02	4.76
64	5.49	5.45	5.33	5.12	4.83
65	5.65	5.61	5.47	5.22	4.89
66	5.82	5.77	5.61	5.33	4.96
67	6.01	5.94	5.75	5.44	5.02
68	6.20	6.13	5.91	5.54	5.08
69	6.41	6.33	6.07	5.65	5.14
70	6.64	6.54	6.23	5.76	5.19
71	6.88	6.76	6.41	5.86	5.24
72	7.14	7.00	6.59	5.97	5.28
73	7.43	7.26	6.77	6.06	5.32
74	7.73	7.53	6.96	6.16	5.35
75	8.06	7.82	7.14	6.25	5.38

Rates are based on mortality from 1983 Table a. The rates do not differ by sex. Rates for ages not shown will be provided on request and will be computed on a basis consistent with the rates in the above tables.

29

<PAGE>

OPTION 3

Life Income for Two Payees

Amount of First Monthly Payment for Each $1,000
After Deduction of any Charge for Premium Taxes

Rates for a Fixed Annuity with Guaranteed Interest Rate of 3.0%

<TABLE>
<CAPTION>
Adjusted Ages
Second
Annuitant Annuitant	Option 3a	Option 3b	Option 3c	Option 3d	Option 3e

- ----------------------------------------------------------------------------------------------

<S>	<C>	<C>	<C>	<C>	<C>	<C>
55	50	$ 3.69	$ 4.05	$ 4.27	$ 3.69	$ 4.03
55	55	3.88	4.25	4.47	3.87	4.14
55	60	3.99	4.44	4.71	3.98	4.42
60	55	3.99	4.44	4.71	3.98	4.42
60	60	4.24	4.71	4.99	4.23	4.57
60	65	4.38	4.97	5.32	4.38	4.93
65	60	4.38	4.97	5.32	4.38	4.93
65	65	4.72	5.33	5.70	4.71	5.14
65	70	4.93	5.68	6.15	4.91	5.66
70	65	4.93	5.68	6.15	4.91	5.66
70	70	5.40	6.21	6.70	5.36	5.96
70	75	5.69	6.68	7.32	5.62	6.67
75	70	5.69	6.68	7.32	5.62	6.67
75	75	6.37	7.45	8.15	6.23	7.12
75	80	6.78	8.11	8.99	6.54	8.13
</TABLE>

Rates are based on mortality from 1983 Table a. The rates do not differ by sex. Rates for ages not shown will be provided on request and will be computed on a basis consistent with the rates in the above tables.

30

<PAGE>

OPTION 1

Payments for a Stated Period of Time

Amount of First Monthly Payment for Each $1,000

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After Deduction of any Charge for Premium Taxes

Rates for a Variable Annuity with Assumed Net Return Rate of 3.5%

	Guaranteed	Monthly	Quarterly	Semi-Annual	Annual
Years	Rate	Payment	Payment	Payment	Payment

- --------------------------------------------------------------------------------

3	3.50%	$ 29.19	$ 87.33	$ 173.91	$ 344.86
4	3.50%	22.27	66.61	132.65	263.04
5	3.50%	18.12	54.19	107.92	213.99
6	3.50%	15.35	45.92	91.44	181.32
7	3.50%	13.38	40.01	79.69	158.01
8	3.50%	11.90	35.59	70.88	140.56
9	3.50%	10.75	32.16	64.05	127.00
10	3.50%	9.83	29.42	58.59	116.18
11	3.50%	9.09	27.18	54.13	107.34
12	3.50%	8.46	25.32	50.42	99.98
13	3.50%	7.94	23.75	47.29	93.78
14	3.50%	7.49	22.40	44.62	88.47
15	3.50%	7.10	21.24	42.31	83.89
16	3.50%	6.76	20.23	40.29	79.89
17	3.50%	6.47	19.34	38.51	76.37
18	3.50%	6.20	18.55	36.94	73.25
19	3.50%	5.97	17.85	35.54	70.47
20	3.50%	5.75	17.22	34.28	67.98
21	3.50%	5.56	16.65	33.15	65.74
22	3.50%	5.39	16.13	32.13	63.70
23	3.50%	5.24	15.66	31.19	61.85
24	3.50%	5.09	15.24	30.34	60.17
25	3.50%	4.96	14.85	29.56	58.62
26	3.50%	4.84	14.49	28.85	57.20
27	3.50%	4.73	14.15	28.19	55.90
28	3.50%	4.63	13.85	27.58	54.69
29	3.50%	4.53	13.57	27.02	53.57
30	3.50%	4.45	13.30	26.49	52.53

31

<PAGE>

OPTION 1

Payments for a Stated Period of Time

Amount of First Monthly Payment for Each $1,000
After Deduction of any Charge for Premium Taxes

Rates for a Variable Annuity with Assumed Net Return Rate of 5.0%

	Guaranteed	Monthly	Quarterly	Semi-Annual	Annual
Years	Rate	Payment	Payment	Payment	Payment

- --------------------------------------------------------------------------------

3	5.00%	$ 29.80	$ 89.04	$ 176.99	$ 349.72
4	5.00%	22.89	68.38	135.93	268.58
5	5.00%	18.74	56.00	111.33	219.98
6	5.00%	15.99	47.77	94.96	187.64
7	5.00%	14.02	41.90	83.30	164.59
8	5.00%	12.56	37.52	74.58	147.35
9	5.00%	11.42	34.11	67.81	133.99
10	5.00%	10.51	31.40	62.42	123.34
11	5.00%	9.77	29.19	58.03	114.66
12	5.00%	9.16	27.36	54.38	107.45
13	5.00%	8.64	25.81	51.31	101.39
14	5.00%	8.20	24.50	48.69	96.21
15	5.00%	7.82	23.36	46.44	91.75
16	5.00%	7.49	22.37	44.47	87.88
17	5.00%	7.20	21.51	42.75	84.88
18	5.00%	6.94	20.74	41.23	81.47
19	5.00%	6.71	20.06	39.88	78.80
20	5.00%	6.51	19.46	38.68	76.42
21	5.00%	6.33	18.91	37.59	74.28
22	5.00%	6.17	18.42	36.62	72.35
23	5.00%	6.02	17.98	35.73	70.61
24	5.00%	5.88	17.57	34.93	69.02
25	5.00%	5.76	17.20	34.20	67.57
26	5.00%	5.65	16.87	33.53	66.25
27	5.00%	5.54	16.56	32.92	65.04
28	5.00%	5.45	16.28	32.35	63.93
29	5.00%	5.36	16.01	31.83	62.90
30	5.00%	5.28	15.77	31.35	61.95

32

<PAGE>

OPTION 2

Life Income

Amount of First Monthly Payment for Each $1,000
After Deduction of any Charge for Premium Taxes

Rates for a Variable Annuity with Assumed Net Return Rate of 3.5%

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	Payments Guaranteed for a Stated Period of Months
Adjusted
Age of	None	60	120	180	240

Annuitant

- --------------------------------------------------------------------------------

50	$ 4.34	$ 4.34	$ 4.31	$ 4.27	$ 4.22
51	4.41	4.40	4.38	4.33	4.27
52	4.48	4.47	4.45	4.40	4.32
53	4.56	4.55	4.52	4.46	4.38
54	4.64	4.63	4.59	4.53	4.44
55	4.72	4.71	4.67	4.60	4.50
56	4.81	4.80	4.75	4.67	4.56
57	4.91	4.89	4.84	4.75	4.62
58	5.01	4.99	4.93	4.83	4.69
59	5.12	5.10	5.03	4.92	4.75
60	5.23	5.21	5.13	5.00	4.82
61	5.36	5.33	5.24	5.09	4.88
62	5.49	5.45	5.35	5.19	4.95
63	5.63	5.59	5.47	5.28	5.02
64	5.78	5.73	5.60	5.38	5.08
65	5.94	5.89	5.73	5.48	5.15
66	6.11	6.05	5.87	5.58	5.21
67	6.29	6.22	6.02	5.69	5.27
68	6.49	6.41	6.17	5.79	5.33
69	6.70	6.60	6.33	5.90	5.38
70	6.92	6.81	6.49	6.00	5.43
71	7.17	7.04	6.66	6.10	5.48
72	7.43	7.27	6.84	6.20	5.52
73	7.71	7.53	7.02	6.30	5.55
74	8.02	7.70	7.20	6.39	5.59
75	8.35	8.08	7.38	6.48	5.62

Rates are based on mortality from 1983 Table a. The rates do not differ by sex. Rates for ages not shown will be provided on request and will be computed on a basis consistent with the rates in the above tables.

33

<PAGE>

OPTION 2

Life Income

Amount of First Monthly Payment for Each $1,000
After Deduction of any Charge for Premium Taxes

Rates for a Variable Annuity with Assumed Net Return Rate of 5.0%

Payments Guaranteed for a Stated Period of Months

Adjusted
Age of	None	60	120	180	240
Annuitant
- --------------------------------------------------------------------------------
50	$ 5.26	$ 5.25	$ 5.22	$ 5.17	$ 5.11
51	5.33	5.32	5.28	5.23	5.15
52	5.40	5.38	5.34	5.29	5.20
53	5.47	5.45	5.41	5.35	5.26
54	5.54	5.53	5.48	5.41	5.31
55	5.63	5.61	5.56	5.47	5.36
56	5.71	5.69	5.63	5.54	5.42
57	5.80	5.78	5.72	5.61	5.47
58	5.90	5.88	5.81	5.69	5.53
59	6.01	5.98	5.90	5.77	5.59
60	6.12	6.09	6.00	5.85	5.65
61	6.24	6.21	6.10	6.93	5.71
62	6.37	6.33	6.21	6.02	5.77
63	6.51	6.46	6.33	6.11	5.83
64	6.66	6.60	6.45	6.20	5.89
65	6.82	6.75	6.57	6.30	5.95
66	6.99	6.91	6.71	6.39	6.01
67	7.17	7.08	6.85	6.49	6.06
68	7.36	7.27	6.99	6.59	6.12
69	7.57	7.46	7.15	6.69	6.17
70	7.80	7.67	7.30	6.78	6.21
71	8.05	7.89	7.47	6.88	6.25
72	8.31	8.13	7.64	6.97	6.29
73	8.59	8.38	7.81	7.06	6.33
74	8.90	8.64	7.99	7.15	6.36
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75 9.23

8.93 8.16

7.23 6.38

Rates are based on mortality from 1983 Table a. The rates do not differ by sex. Rates for ages not shown will be provided on request and will be computed on a basis consistent with the rates in the above tables.

34

<PAGE>

OPTION 3

Life Income for Two Payees

Amount of First Monthly Payment for Each $1,000
After Deduction of any Charge for Premium Taxes

Rates for a Variable Annuity with Assumed Net Return Rate of 3.5%

<TABLE>
<CAPTION>
Adjusted Ages
Second
Annuitant Annuitant	Option 3a	Option 3b	Option 3c	Option 3d	Option 3e

- ----------------------------------------------------------------------------------------------

<S>	<C>	<C>	<C>	<C>	<C>	<C>
55	50	$ 3.97	$ 4.35	$ 4.56	$ 3.97	$ 4.31
55	55	4.16	4.54	4.76	4.15	4.42
55	60	4.27	4.73	5.00	4.26	4.48
60	55	4.27	4.73	5.00	4.26	4.70
60	60	4.51	4.99	5.27	4.50	4.84
60	65	4.66	5.25	5.61	4.65	4.93
65	60	4.66	5.25	5.61	4.65	5.22
65	65	4.99	5.61	5.99	4.98	5.42
65	70	5.19	5.97	6.44	5.17	5.54
70	65	5.19	5.97	6.44	5.17	5.93
70	70	5.67	6.49	6.99	5.62	6.23
70	75	5.95	6.96	7.61	5.87	6.40
75	70	5.95	6.96	7.61	5.87	6.95
75	75	6.64	7.73	8.43	6.48	7.40
75	80	7.04	8.39	9.29	6.79	7.64
</TABLE>

Rates are based on mortality from 1983 Table a. The rates do not differ by sex. Rates for ages not shown will be provided on request and will be computed on a basis consistent with the rates in the above tables.

35

<PAGE>

OPTION 3

Life Income for Two Payees

Amount of First Monthly Payment for Each $1,000
After Deduction of any Charge for Premium Taxes

Rates for a Variable Annuity with Assumed Net Return Rate of 5.0%

<TABLE>
<CAPTION>
Adjusted Ages
	Second
Annuitant Annuitant		Option 3a	Option 3b	Option 3c	Option 3d	Option 3e
- ----------------------------------------------------------------------------------------------
<S>	<C>	<C>	<C>	<C>	<C>	<C>
55	50	$ 4.88	$ 5.26	$ 5.48	$ 4.88	$ 5.23
55	55	5.04	5.44	5.66	5.04	5.32
55	60	5.15	5.63	5.91	5.14	5.38
60	55	5.15	5.63	5.91	5.14	5.59
60	60	5.37	5.87	6.16	5.37	5.72
60	65	5.52	6.14	6.51	5.51	5.80
65	60	5.52	6.14	6.51	5.51	6.10
65	65	5.83	6.49	6.87	5.82	6.29
65	70	6.04	6.84	7.34	6.00	6.41
70	65	6.04	6.84	7.34	6.00	6.81
70	70	6.49	7.35	7.87	6.44	7.08
70	75	6.77	7.84	8.51	6.68	7.25
75	70	6.77	7.84	8.51	6.68	7.81
75	75	7.45	8.60	9.33	7.27	8.25
75	80	7.86	9.28	10.20	7.57	8.49
</TABLE>
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Rates are based on mortality from 1983 Table a. The rates do not differ by sex. Rates for ages not shown will be provided on request and will be computed on a basis consistent with the rates in the above tables.

36

<PAGE>

[Aetna logo]
Aetna Insurance Company of America
Home Office: 151 Farmington Avenue
P.O. Box 30670
Hartford, Connecticut 06150-0670
(800) 531-4547

Group Variable, Fixed, or Combination Annuity Contract
Nonparticipating

ALL PAYMENTS AND VALUES PROVIDED BY THE GROUP CONTRACT, WHEN BASED ON INVESTMENT EXPERIENCE OF A SEPARATE ACCOUNT, ARE VARIABLE AND ARE NOT GUARANTEED AS TO FIXED DOLLAR AMOUNT. THIS CONTRACT CONTAINS A MARKET VALUE ADJUSTMENT FORMULA. APPLICATION OF A MARKET VALUE ADJUSTMENT MAY RESULT IN EITHER AN INCREASE OR DECREASE IN THE CURRENT VALUE. THE MARKET VALUE ADJUSTMENT FORMULA DOES NOT APPLY TO A GUARANTEED TERM AT THE TIME OF ITS MATURITY.

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EX-16

Page 1 of 24

Exhibit 16(4)(d)
	Aetna Insurance Company of America
	Home Office: 151 Farmington Avenue
	P.O. Box 30670
	Hartford, Connecticut 06150-0670
	(800) 531-4547
	You may call the toll-free number shown above for
	answers to questions or to resolve a complaint.
	Aetna Insurance Company of America, a stock
	company, herein called Aetna, agrees to pay the
	benefits stated in this Contract.
- --------------------------------------------------------------------------------
Certificate of Group	To the Certificate Holder:
Annuity Coverage
	Aetna certifies that coverage is in force for you
	under the stated Group Annuity Contract and
	Certificate numbers. All data shown here is taken
	from Aetna records and is based upon information
	furnished by you.
	This Certificate is a summary of the Group
	Annuity Contract provisions. It replaces any and
	all prior certificates or endorsements issued to
	you under the stated Contract and Certificate
	numbers. This Certificate is for information only
	and is not a part of the Contract.
	The variable features of the Group Contract are
	described in parts III and IV.
- --------------------------------------------------------------------------------
Right to Cancel	You may cancel your Account within 10 days by
	returning it to the agent from whom it was
	purchased, or to Aetna at the address shown
	above. Within seven days of receiving this
	Certificate at its home office, Aetna will return
	the amount of Purchase Payment(s) received, plus
	any increase, or minus any decrease, on the
	amount, if any, of Purchase Payment(s) allocated
	to the Separate Account fund(s).
/s/ Dan Kearney	/s/ Maria F. McKeon
President	Secretary
- --------------------------------------------------------------------------------
Contract Holder	Group Annuity Contract No.
SPECIMEN	SPECIMEN
- --------------------------------------------------------------------------------
Certificate Holder	Certificate No.
SPECIMEN	SPECIMEN
SPECIMEN
- --------------------------------------------------------------------------------
Annuitant Name	Type of Plan
SPECIMEN	SPECIMEN
- --------------------------------------------------------------------------------
ALL PAYMENTS AND VALUES PROVIDED BY THE GROUP CONTRACT, WHEN BASED ON INVESTMENT
EXPERIENCE OF A SEPARATE ACCOUNT, ARE VARIABLE AND ARE NOT GUARANTEED AS TO
FIXED DOLLAR AMOUNT. THIS CERTIFICATE CONTAINS A MARKET VALUE ADJUSTMENT
FORMULA. APPLICATION OF A MARKET VALUE ADJUSTMENT MAY RESULT IN EITHER AN
INCREASE OR DECREASE IN THE CURRENT VALUE. THE MARKET VALUE ADJUSTMENT FORMULA
DOES NOT APPLY TO A GUARANTEED TERM AT THE TIME OF ITS MATURITY.
<PAGE>
Specifications
- --------------------------------------------------------------------------------
Guaranteed Interest Rate	There are guaranteed interest rates for amounts
	held in the AG Account (See Certificate
	Schedule I).
- --------------------------------------------------------------------------------
Deductions from the	There will be deductions for mortality and
Separate Account	expense risks and administrative fees. (See
	Account Certificate Schedule I and II).
- --------------------------------------------------------------------------------
Deduction from Purchase	The Purchase Payment is subject to a deduction
Payment(s)	for premium taxes, if any. (See 3.01.)
- --------------------------------------------------------------------------------
Surrender Fee	There will be a charge deducted upon surrender.
	(See Certificate Schedule I).
	2
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Page 2 of 24

<PAGE>

Contract Schedule I
Accumulation Period

Separate Account

- --------------------------------------------------------------------------------

Separate Account:	Variable Annuity Account I
Charges to Separate Account:	A daily charge is deducted from any portion of
	the Current Value allocated to the Separate
	Account. The deduction is the daily equivalent
	of the annual effective percentage shown in the
following chart:
	Administrative Charge	0.10%
	Mortality Risk Charge	0.35%
	Expense Risk Charge	0.90%
		----
	Total Separate Account Charges	1.25%

AICA Guaranteed Account (AG Account)

- --------------------------------------------------------------------------------

Minimum
Guaranteed Interest
Rate:	3.0% (effective annual rate of return)

Separate Account and AG Account

- --------------------------------------------------------------------------------

Transfers:	An unlimited number of Transfers are allowed
	during the Accumulation Period. Aetna allows
	12 free Transfers in any calendar year.
	Thereafter, Aetna reserves the right to charge
	$10 for each subsequent Transfer.
Maintenance Fee:	The annual Maintenance Fee is $30. If the
	Account's Current Value is $50,000 or more on
	the date the Maintenance Fee is to be deducted,
	the Maintenance Fee is $0.
Surrender Fee:	For each surrender, the Surrender Fee will be
	determined as follows:
	Length of Time from	Surrender Fee
	Deposit of Net	(as percentage of
	Purchase Payment (Years)	Net Purchase Payment
	Less than 2 years	6%
	2 or more but less than 3	5%
	3 or more but less than 4	4%
	4 or more but less than 5	3%
	5 or more but less than 6	2%
	6 or more but less than 7	0%
7 or more years
Systematic	The specified payment or specified percentage
Withdrawal Option	may not be greater than 10% of the Account's
(SWO):	Current Value at time of election.

See 1. GENERAL DEFINITIONS for explanations.

3

<PAGE>

Contract Schedule II
Annuity Period

Separate Account

- --------------------------------------------------------------------------------Charges to Separate Account: A daily charge at an annual effective rate of 1.25% for Annuity mortality and expense risks. The administrative charge is established upon election of an Annuity option.

This charge will not exceed 0.25%.

Variable Annuity Assumed Annual Net Return Rate: If a Variable Annuity is chosen, an assumed annual net return rate of 5.0% may be elected. If 5.0% is not elected, Aetna will use an assumed annual net return rate of 3.5%. The assumed annual net return rate factor for 3.5% per year is 0.9999058. The assumed annual net return rate factor for 5.0% per year is 0.9998663. If the portion of a Variable Annuity payment for

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Page 3 of 24

any Fund is not to decrease, the Annuity return
factor under the Separate Account for that Fund
must be:

(a) 4.75% on an annual basis plus an annual
return of up to 0.25% to offset the
administrative charge set at the time
Annuity payments commence if an assumed
annual net return rate of 3.5% is chosen;
or

(b) 6.25% on an annual basis plus an annual
return of up to 0.25% to offset the
administrative charge set at the time
Annuity payments commence, if an assumed
annual net return rate of 5% is chosen.

Fixed Annuity

- --------------------------------------------------------------------------------Minimum Guaranteed Interest 3.0% (effective annual rate of return) Rate: See 1. GENERAL DEFINITIONS for explanations.

4

<PAGE>

TABLE OF CONTENTS

I.	GENERAL DEFINITIONS
-	--------------------------------------------------------------------------

1.01	Account	7
1.02	Accumulation Period	7
1.03	Adjusted Current Value	7
1.04	AICA Guaranteed Account (AG Account)	7
1.05	Annuitant	7
1.06	Annuity	7
1.07	Beneficiary	7
1.08	Certificate Holder	7
1.09	Code	7
1.10	Contract	7
1.11	Contract Holder	7
1.12	Current Value	8
1.13	Deposit Period	8
1.14	Dollar Cost Averaging	8
1.15	Fixed Annuity	8
1.16	Fund(s)	8
1.17	General Account	8
1.18	Guaranteed Rates -- AG Account	8
1.19	Guaranteed Term	8
1.20	Guaranteed Term(s) Groups	9
1.21	Maintenance Fee	9
1.22	Market Value Adjustment (MVA)	9
1.23	Matured Term Value	9
1.24	Matured Term Value Transfer	9
1.25	Maturity Date	9
1.26	Net Purchase Payment(s)	9
1.27	Nonunitized Separate Account	9
1.28	Purchase Payment(s)	9
1.29	Reinvestment	10
1.30	Separate Account	10
1.31	Surrender Value	10
1.32	Transfers	10
1.33	Valuation Period (Period)	10
1.34	Variable Annuity	10

II.	GENERAL PROVISIONS
-	--------------------------------------------------------------------------

2.01	Change of Contract		10
2.02	Change of Fund(s)		12
2.03	Nonparticipating Contract		12
2.04	Payments and Elections		12
		5
<PAGE>
2.05	State Laws		12
2.06	Control of Contract		12
2.07	Designation of Beneficiary		13
2.08	Misstatements and Adjustments		13
2.09	Incontestability		13
2.10	Grace Period		13
2.11	Individual Certificates		13

III.	PURCHASE PAYMENT, CURRENT VALUE, AND SURRENDER PROVISIONS
-	--------------------------------------------------------------------------

3.01	Net Purchase Payment	13
3.02	Certificate Holder's Account	14
3.03	Fund(s) Record Units -- Separate Account	14
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3.04	Net Return Factor(s) -- Separate Account	14
3.05	Fund Record Unit Value - Separate Account	15
3.06	Market Value Adjustment	15
3.07	Transfer of Current Value from the Funds or AG Account	16
3.08	Notice to the Certificate Holder	17
3.09	Loans 17
3.10	Systematic Withdrawal Option (SWO)	17
3.11	Death Benefit Amount	19
3.12	Death Benefit Options Available to Beneficiary	19
3.13	Liquidation of Surrender Value	21
3.14	Surrender Fee	22
3.15	Payment of Surrender Value	22
3.16	Payment of Adjusted Current Value	23

IV.	ANNUITY PROVISIONS
-	--------------------------------------------------------------------------

4.01	Choices	23
4.02	Terms of Annuity Options	23
4.03	Death of Annuitant/Beneficiary	24
4.04	Fund(s) Annuity Units Separate Account	25
4.05	Fund(s) Annuity Unit Value -- Separate Account	26
4.06	Annuity Net Return Factor(s) -- Separate Account	26
4.07	Annuity Options	27
	6
<PAGE>

I.	GENERAL DEFINITIONS
-	--------------------------------------------------------------------------------

1.01	Account:
1.02	Accumulation Period:

1.03	Adjusted Current Value:
1.04	AICA Guaranteed Account
	(AG Account):

1.05	Annuitant:
1.06	Annuity:
1.07	Beneficiary:
1.08	Certificate Holder:

1.09	Code:
1.10	Contract:
<PAGE>

A record established for each Certificate Holder to maintain the value of all Net Purchase Payments held on his/her behalf during the Accumulation Period.

The period during which the Net Purchase Payment(s) are applied to an Account to provide future Annuity payment(s).

The Current Value of an Account plus or minus any aggregate AG Account MVA, if applicable. (See 1.22)

An accumulation option where Aetna guarantees stipulated rate(s) of interest for specified periods of time. All assets of Aetna, including amounts in the Nonunitized Separate Account, are available to meet the guarantees under the AG Account.

The person whose life is measured for purposes of the guaranteed death benefit and the duration of Annuity payments under this Contract.

Payment of an income:

(a)	For the life of one or two persons;
(b)	For a stated period; or
(c)	For some combination of (a) and (b).

The individual or estate entitled to receive any death benefit due under the Contract. If the Account is held by joint Certificate Holders, the survivor will be deemed the designated Beneficiary and any other Beneficiary on record will be treated as the contingent Beneficiary.

A person who purchases an interest in this Contract as evidenced by a certificate. Aetna reserves the right to limit ownership to natural persons. If more than one Certificate Holder owns an Account, each Certificate Holder will be a joint Certificate Holder. Any joint Certificate Holder must be the spouse of the other joint Certificate Holder. Joint Certificate Holders have joint ownership rights and both must authorize exercising any ownership rights unless Aetna allows otherwise.

The Internal Revenue Code of 1986, as it may be amended from time to time.

This agreement between Aetna and the Contract Holder.

7

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1.11	Contract Holder:
1.12	Current Value:

1.13	Deposit Period:
1.14	Dollar Cost Averaging:
1.15	Fixed Annuity:
1.16	Fund(s):
1.17	General Account:
1.18	Guaranteed Rates -- AG Account:

<PAGE>

1.19      Guaranteed Term:

Page 5 of 24

The entity to which the Contract is issued.

As of the most recent Valuation Period, the Net
Purchase Payment and any additional amount
deposited pursuant to 3.11 plus any interest
added to the portion allocated to the AG
Account; and plus or minus the investment
experience of the portion allocated to the Funds
since deposit; less all Maintenance Fees
deducted, any amounts surrendered and any
amounts applied to an Annuity.

A calendar week, a calendar month, a calendar
quarter, or any other period of time specified
by Aetna during which Net Purchase Payment(s),
Transfers and Reinvestments are accepted into
the AG Account for one or more Guaranteed Terms.
Aetna reserves the right to extend the Deposit
Period.

A program that permits the Certificate Holder to
systematically transfer amounts from any of the
Funds and the one-year AG Account Guaranteed
Term to any of the Funds. Dollar Cost Averaging
is not available with the Systematic Withdrawal
Option or the Estate Conservation Option.

An Annuity with payments that do not vary in
amount.

The open-end management investment companies
(mutual funds) in which the Separate Account
invests.

The Account holding the assets of Aetna, other
than those assets held in Aetna's separate
accounts.

Aetna will declare the interest rate(s)
applicable to a specific Guaranteed Term at the
start of the Deposit Period for that Guaranteed
Term. The rate(s) are guaranteed by Aetna for
that Deposit Period and the ensuing Guaranteed
Term. The Guaranteed Rates are annual effective
yields. That is, interest is credited daily at a
rate that will produce the Guaranteed Rate over
the period of a year. No Guaranteed Rate will
ever be less than the Minimum Guaranteed Rate
shown on Contract Schedule 1.

For Guaranteed Terms of one year or less, one
Guaranteed Rate is credited for the full
Guaranteed Term. For longer Guaranteed Terms, an
initial Guaranteed Rate is credited from the
date of deposit to the end of a specified period
within the Guaranteed Term. There may be
different Guaranteed Rate(s) declared for
subsequent specified time intervals throughout
the Guaranteed Term.

8

The period of time for which AG Account
Guaranteed Rates are guaranteed on Net Purchase
Payments, Transfers and Reinvestments made into
a current Deposit Period for the AG Account.
Such period begins on the day following the
close of the Deposit Period and ends on the
designated Maturity Date. Guaranteed Terms are
offered at Aetna's discretion for various
lengths of time ranging up to and including ten
years.

1.19	Guaranteed Term (Cont'd): During a Deposit Period, Aetna may make
		available any number of Guaranteed Terms. The
		Certificate Holder may allocate Net Purchase
		Payments and Transfers into any or all of the
		available Guaranteed Terms.
1.20	Guaranteed Term(s)	All AG Account Guaranteed Term(s) with the same
	Groups:	length of time from the close of the Deposit
		Period until the designated Maturity Date.
1.21	Maintenance Fee:	The Maintenance Fee (see Contract Schedule I)
		will be deducted during the Accumulation Period
		from the Current Value on each anniversary of
		the date the Account is established and upon
		surrender of the entire Account.
1.22	Market Value Adjustment	An adjustment that may apply to an amount
	(MVA):	withdrawn or transferred from an AG Account
		Guaranteed Term prior to the end of that
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1.23	Matured Term Value:
1.24	Matured Term Value Transfer:

1.25	Maturity Date:
1.26	Net Purchase Payment(s):

<PAGE>

Page 6 of 24

Guaranteed Term. The adjustment reflects the
change in the value of the investment due to
changes in interest rates since the date of
deposit and is computed using the formula given
in 3.06. The adjustment is expressed as a
percentage of each dollar being withdrawn.

The amount payable on an AG Account Guaranteed
Term's Maturity Date.

During the calendar month following an AG
Account Maturity Date, the Certificate Holder
may notify Aetna's home office in writing to
Transfer or surrender all or part of the Matured
Term Value, plus interest at the new Guaranteed
Rate accrued thereon, from the AG Account
without an MVA. This provision only applies to
the first such written request received from the
Certificate Holder during this period for any
Matured Term Value.

The last day of an AG Account Guaranteed Term.

The Purchase Payment less premium
taxes, as applicable.

9

1.27	Nonunitized	A separate account set up by Aetna under
	Separate Account:	Title 38, Section 38a-433, of the Connecticut
		General Statutes, that holds assets for AG
		Account Terms. There are no discrete units for
		this Account. The Certificate Holder does not
		participate in the investment gain or loss from
		the assets held in the Nonunitized Separate
		Account. Such gain or loss is borne entirely by
		Aetna. These assets may be chargeable with
		liabilities arising out of any other business of
		Aetna.
1.28	Purchase Payment(s):	Payment(s) accepted by Aetna at its home office.
		Aetna reserves the right to refuse to accept any
		Purchase Payment at any time for any reason. No
		advance notice will be given to the Contract
		Holder or Certificate Holder.
1.29	Reinvestment:	Aetna will mail a notice to the Certificate
		Holder at least 18 calendar days before a
		Guaranteed Term's Maturity Date. This notice
		will contain the Terms available during the
		current Deposit Periods with their Guaranteed
		Rate(s) and projected Matured Term Value. If no
		specific direction is given by the Certificate
		Holder prior to the Maturity Date, each Matured
		Term Value will be reinvested in the current
		Deposit Period for a Guaranteed Term of the same
		duration. If a Guaranteed Term of the same
		duration is unavailable, each Matured Term Value
		will automatically be reinvested in the current
		Deposit Period for the next shortest Guaranteed
		Term available. If no shorter Guaranteed Term is
		available, the next longer Guaranteed Term will
		be used. Aetna will mail a confirmation
		statement to the Certificate Holder the next
		business day after the Maturity Date. This
		notice will state the Guaranteed Term and
		Guaranteed Rate(s) which will apply to the
		reinvested Matured Term Value.
1.30	Separate Account:	A separate account that buys and holds shares of
		the Fund(s). Income, gains or losses, realized
		or unrealized, are credited or charged to the
		Separate Account without regard to other income,
		gains or losses of Aetna. Aetna owns the assets
		held in the Separate Account and is not a
		trustee as to such amounts. This Separate
		Account generally is not guaranteed and is held
		at market value. The assets of the Separate
		Account, to the extent of reserves and other
		contract liabilities of the Account, shall not
		be charged with other Aetna liabilities.
1.31	Surrender Value:	The amount payable by Aetna upon the surrender
		of any portion of an Account.
1.32	Transfers:	The movement of invested amounts among the
		available Fund(s) and the AG Account under this
		Contract during the Accumulation Period.

10

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1.33	Valuation Period (Period):
1.34	Variable Annuity:
II.	GENERAL PROVISIONS

Page 7 of 24

The period of time for which a Fund determines
its net asset value, usually from 4:15 p.m.
Eastern time each day the New York Stock
Exchange is open until 4:15 p.m. the next such
day, or such other day that one or more of the
Funds determines its net asset value.

An Annuity with payments that vary with the net
investment results of one or more Funds under
the Separate Account.

- --------------------------------------------------------------------------------

1.01	Change of Contract:
2.01	Change of Contract (Cont'd):

<PAGE>

2.02      Change of Fund(s):

Only an authorized officer of Aetna may change the terms of this Contract. Aetna will notify the Contract Holder in writing at least 30 days before the effective date of any change. Any change will not affect the amount or terms of any Annuity which begins before the change.

Aetna reserves the right to refuse to accept any Purchase Payment at any time for any reason. This applies to an initial Purchase Payment to establish a new Account or to subsequent Purchase Payments to existing Accounts under the Contract. No advance notice will be given to the Contract Holder or Certificate Holder.

Aetna may make any change that affects the AG Account Market Value Adjustment (3.06) with at least 30 days' advance written notice to the Contract Holder and the Certificate Holder. Any such change shall become effective for any new Term and will apply to all present and future Accounts.

Aetna reserves the right to change the terms of the Systematic Withdrawal Option (3.10) for future elections and discontinue the availability of this option after proper notification.

Any change that affects any of the following under this Contract will not apply to Accounts in existence before the effective date of the change:

(a)	Net Purchase Payment (1.26)
(b)	AG Account Guaranteed Rate (1.18)
(c)	Net Return Factor(s) -- Separate Account (3.04)
(d)	Current Value (1.12)
(9)	Surrender Value (1.31)
(f)	Fund(s) Annuity Unit Value -- Separate Account (4.05)
(g)	Annuity options (4.07)
(h)	Fixed Annuity Interest Rates (4.01)
(i)	Transfers (1.32).

Any change that affects the Annuity options and the tables for the options may be made:

11

(a)	No earlier than 12 months after the effective date of this Contract; and
(b)	No earlier than 12 months after the effective date of any prior change.

Any Account established on or after the effective date of any change will be subject to the change. If the Contract Holder does not agree to any change under this provision, no new Accounts may be established under this Contract. This Contract may also be changed as deemed necessary by Aetna to comply with federal or state law.

The assets of the Separate. Account are segregated by Fund. If the shares of any Fund are no longer available for investment by the Separate Account or if in our judgment, further investment in such shares should become inappropriate in view of the purpose of the Contract, Aetna may cease to make such Fund shares available for investment under the Contract prospectively, or Aetna may substitute shares of another Fund for shares already acquired. Aetna may also, from time to time, add additional Funds. Any elimination, substitution

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2.03	Nonparticipating Contract:
2.04	Payments and Elections:

2.05 State Laws:

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Page 8 of 24

or addition of Funds will be done in accordance
with applicable state and federal securities
laws. Aetna reserves the right to substitute
shares of another Fund for shares already
acquired without a proxy vote.

The Contract Holder, Certificate Holders or
Beneficiaries will not have a right to share in
the earnings of Aetna.

While the Certificate Holder is living, Aetna
will pay the Certificate Holder any Annuity
payments as and when due. After the Certificate
Holder's death, or at the death of the first
Certificate Holder if the Account is owned
jointly, any Annuity payments required to be
made will be paid in accordance with 4.03. Aetna
will determine other payments and/or elections
as of the end of the Valuation Period in which
the request is received at its home office. Such
payments will be made within seven calendar days
of receipt at its home office of a written claim
for payment which is in good order, except as
provided in 3.15.

The Contract and the Certificates comply with
the laws of the state in which they are
delivered. Any surrender, death, or Annuity
payments are equal to or greater than the
minimum required by such laws. Annuity tables
for legal reserve valuation shall be as required
by state law. Such tables may be different from
Annuity tables used to determine Annuity
payments.

12

2.06	Control of	This is a Contract between the Contract Holder
	Contract:	and Aetna. The Contract Holder has title to the
		Contract. Contract Holder rights are limited to
		accepting or rejecting Contract modifications.
		The Certificate Holder has all other rights to
		amounts held in his or her Account.
		Each Certificate Holder shall own all amounts
		held in his or her Account. Each Certificate
		Holder may make any choices allowed by this
		Contract for his or her Account. Choices made
		under this Contract must be in writing. If the
		Account is owned jointly, both Certificate
		Holders must authorize any Certificate Holder
		change in writing. Until receipt of such choices
		at Aetna's home office, Aetna may rely on any
		previous choices made.
		The Contract is not subject to the claims of any
		creditors of the Contract Holder or the
		Certificate Holder, except to the extent
permitted by law.
2.06	Control of Contract	The Certificate Holder may assign or transfer
	(Cont'd):	his or her rights under the Contract. Aetna
		reserves the right not to accept assignment or
		transfer to a nonnatural person. Any assignment
		or transfer made must be submitted to Aetna's
		home office in writing and will not be effective
		until accepted by Aetna.
2.07	Designation of	Each Certificate Holder shall name his or her
	Beneficiary:	Beneficiary. If the Account is owned jointly,
		both joint Certificate Holders must agree in
		writing to the Beneficiary designated. The
		Beneficiary may be changed at any time. Changes
		to a Beneficiary must be submitted to Aetna's
		home office in writing and will not be effective
		until accepted by Aetna. If the Account is owned
		jointly, at the death of one joint Certificate
		Holder, the survivor will be deemed the
		Beneficiary; any other Beneficiary on record
		will be deemed a contingent Beneficiary.
2.08	Misstatements	If Aetna finds the age of any Annuitant to be
	and Adjustments:	misstated, the correct facts will be used to
adjust payments.
2.09	Incontestability:	Aetna cannot cancel this Contract because of
any error of fact.
2.10	Grace Period:	This Contract will remain in effect even if
		Purchase Payments are not continued except as
		provided in the Payment of Adjusted Current
		Value provision (see 3.17).

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2.11	Individual	Aetna shall issue a certificate to each
	Certificates	Certificate Holder. The certificate will
		summarize certain provisions of the Contract.
		Certificates are for information only and are
		not a part of the Contract.

III.	PURCHASE PAYMENT, CURRENT VALUE, AND SURRENDER PROVISIONS
-	--------------------------------------------------------------------------------

13

<PAGE>

3.01	Net Purchase	This amount is the actual Purchase Payment less
	Payment:	any premium tax. Aetna reserves the right to pay
		premium taxes when due and deduct the amount
		from the Current Value when we pay the tax or at
		a later date.
		The Net Purchase payment will be credited among:

(a)	The current Deposit Period(s) for Guaranteed Terms under the AG Account; and
(b)	The Fund(s) in which the Separate Account invests.

3.01	Net Purchase	For each Net Purchase Payment, the Certificate
	Payment (Cont'd):	Holder shall tell Aetna the allocation
		percentage to be applied to the current Deposit
		Period for each of the available Guaranteed
		Terms in the AG Account and/or each Fund. If
		allocation instructions are not received along
		with any subsequent Net Purchase Payment, the
		allocation will be the same as that indicated
		when the Contract was purchased. If the same
		Guaranteed Term is no longer available, the Net
		Purchase Payment will be allocated to the next
		shortest Guaranteed Term available in the
		current Deposit Period. If no shorter Guaranteed
		Term is available, the next longer Guaranteed
Term will be used.
3.02	Certificate	Aetna will maintain an Account for each
	Holder's Account:	Certificate Holder.
		Aetna will declare from time to time the
		acceptability and the minimum amount for
		additional Purchase Payments. Each Account will
		be subject to the Terms and Conditions of the
		Contract in effect at the time the first
		Purchase Payment for such Account is applied to
		the Contract except for changes made to comply
		with federal or state law.

3.03      Fund(s) Record Units -- The portion of the Net Purchase Payment(s)

Separate Account: applied to each Fund under the Separate Account will determine the number of Fund record units for that Fund. This number is equal to the portion of the Net Purchase Payment(s) applied to each Fund divided by the Fund record unit value (see 3.05) for the Valuation Period in which the Purchase Payment is received in good order at Aetna's home office.

3.04      Net Return Factor(s) -- The net return factor(s) are used to compute all

Separate Account:

Separate Account record units for any Fund.

The net return factor(s) for each Fund is equal
to 1.0000000 plus the net return rate.

14

<PAGE>

The net return rate is equal to:

(a)	The value of the shares of the Fund held by the Separate Account at the end of the Valuation Period; minus
(b)	The value of the shares of the Fund held by the Separate Account at the start of the Valuation Period; plus or minus
(c)	Taxes (or reserves for taxes) on the Separate Account (if any); divided by
(d)	The total value of the Fund(s) record units and Fund(s) annuity units of the Separate Account at the start of the Valuation Period; minus
(e)	A daily Separate Account charge at an annual

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Page 10 of 24

rate as shown on Contract Schedule I for
mortality and expense risks, which may
include profit; and a daily administrative
charge.

3.04      Net Return Factor(s) -- A net return rate may be more or less than 0%.

	Separate Account	The value of a share of the Fund is equal to the
	(Cont.):	net assets of the Fund divided by the number of
		shares outstanding.
3.05	Fund Record Unit	A Fund record unit value is computed by
	Value -- Separate	multiplying the net return factors for the
	Account:	current Valuation Period by the Fund record unit
		value for the previous Period. The dollar value
		of Fund record units, Separate Account assets,
		and Variable Annuity payments may go up or down
		due to investment gain or loss.
3.06	Market Value	An MVA will apply to any withdrawal from the AG
	Adjustment:	Account before the end of a Guaranteed Term when
the withdrawal is:
		(a) A Transfer; except for Transfers from the
		one-year AG Account Guaranteed Account
		under the Dollar Cost Averaging program or,
		as specified in 1.24 Matured Term Value
		Transfer;
		(b) A full or partial surrender (including a
		10% free withdrawal under 3.14); except for
		a partial withdrawal under the Systematic
		Withdrawal Option; or
		(c) Due to election of an Annuity (see 4.07).
		Full and partial surrenders and Transfers made
		within six months after the date of the
		Annuitant's death will be the greater of:
		(a) The aggregate MVA amount which is the sum
		of all market value adjusted amounts
		calculated due to a withdrawal of amounts.
		This total may be greater or less than the
		Current Value of those amounts; or
		(b) The applicable portion of the Current Value
		in the AG Account.

15

<PAGE>

After the six-month period, the surrender or
Transfer will be the aggregate MVA amount,
which may be greater or less than the Current
Value of those amounts.

The greater of the aggregate MVA amount or the
applicable portion of the Current Value applies
to amounts withdrawn from the AG Account on
account of an election of Annuity options 2 or
3 (see 4.07).

Market value adjusted amounts will be equal to
the amount withdrawn multiplied by the
following ratio:

X
---
365

( 1 + i )
------------
X
---
365
( 1 + j )

3.06	Market Value	Where:
	Adjustment (Cont'd):
		i is the Deposit Period Yield
		j	is the Current Yield
		x	is the number of days remaining, (computed
			from Wednesday of the week of withdrawal)
			in the Guaranteed Term.
		The Deposit Period Yield will be determined as
		follows:
		(a) At the close of the last business day of
			each week of the Deposit Period, a yield
			will be computed as the average of the
			yields on that day of U.S. Treasury Notes

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<PAGE>

3.07      Transfer of Current Value from the Funds or AG Account:

3.07	Transfer of Current Value from the Funds or AG
	Account (Cont'd):

3.08      Notice to the Certificate Holder:

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Page 11 of 24

which mature in the last three months of
the Guaranteed Term.

(b) The Deposit Period Yield is the average of
those yields for the Deposit Period. If
withdrawal is made before the close of the
Deposit Period, it is the average of those
yields on each week preceding withdrawal.

The Current Yield is the average of the yields
on the last business day of the week preceding
withdrawal on the same U.S. Treasury Notes
included in the Deposit Period Yield.

In the event that no U.S. Treasury Notes which
mature in the last three months of the
Guaranteed Term exist, Aetna reserves the right
to use the U.S. Treasury Notes that mature in
the following quarter.

16

Before an Annuity option is elected, all or any
portion of the Adjusted Current Value of the
Certificate Holder's Account may be transferred
from any Fund or Guaranteed Term of the AG
Account:

(a)	To any other Fund; or
(b)	To any Guaranteed Term of the AG Account available in the current Deposit Period.

Transfer requests can be submitted as a
percentage or as a dollar amount. Aetna may
establish a minimum transfer amount. Within a
Guaranteed Term Group, the amount to be
surrendered or transferred will be withdrawn
first from the oldest Deposit Period, then from
the next oldest, and so on until the amount
requested is satisfied.

The Certificate Holder may make an unlimited
number of Transfers during the Accumulation
Period. The number of free Transfers allowed by
Aetna is shown on Contract Schedule I.
Additional Transfers may be subject to a
Transfer fee as shown on Contract Schedule I.

Amounts transferred from the AG Account under
the Dollar Cost Averaging program, or amounts
transferred as a Matured Term Value on or within
one calendar month of a Term's Maturity Date do
not count against the annual Transfer limit.

Amounts applied to Guaranteed Terms of the AG
Account may not be transferred to the Funds or
to another Guaranteed Term during the Deposit
Period or for 90 days after the close of the
Deposit Period except for (1) Matured Term
Value(s) during the calendar month following the
Term's Maturity Date; (2) amounts used as a
premium for an Annuity option; (3) amounts
transferred from the one-year AG Account
Guaranteed Term under the Dollar Cost Averaging
program; and (4) amounts distributed under the
Systematic Withdrawal Option.

The Certificate Holder will receive quarterly
statements from Aetna of:

(a)	The value of any amounts held in:
	(1)	The AG Account; and
	(2)	The Fund(s) under the Separate Account.
(b)	The number of any Fund(s) record units; and
(c)	The Fund(s) record unit value.

Such number or values will be as of a specific
date no more than 60 days before the date of the
notice.

17

3.09	Loans:	Loans are not available under this Contract.
3.10	Systematic Withdrawal	A distribution option under which a portion of
	Option (SWO):	the Account's Current Value will automatically

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3.10      Systematic Withdrawal Option (SWO) (Cont'd):

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Page 12 of 24

be surrendered and distributed each year. SWO
payments will be calculated on the Account's
full Current Value. The distributed amount is
withdrawn pro rata from each investment option
under the Account. A Surrender Fee will not be
deducted from any portion of the Current Value
which is paid as a distribution under SWO.

Certificate Holders should consult their tax
adviser prior to requesting this distribution
option. Aetna will not be responsible for any
adverse tax consequences due to receiving SWO
payments.

(a)      Amount of Distribution: The Certificate Holder may elect one of the three payment methods described below.

(1) Specified Payment: Payments of a
designated dollar amount. The annual
amount may not be greater than the
percentage of the Current Value at time
of election as shown on Contract
Schedule I. This annual dollar amount
will remain constant. At its
discretion, Aetna may require a minimum
initial payment amount;

(2) Specified Period: Payments which are
made over a period of time which must
be at least 10 years. The annual amount
paid each year is calculated by
dividing the Current Value as of
December 31 of the prior year by the
number of payment years remaining; or

(3) Specified Percentage: Payment of a
designated percentage which cannot be
greater than the percentage of the
Current Value at the time of election
as shown on Contract Schedule I. The
percentage may be changed by written
request. Aetna reserves the right to
limit the number of times the
percentage may be changed. The annual
amount is calculated by multiplying the
Current Value as of December 31 of the
year prior to the payment by the
designated percentage.

(b)      Minimum Initial Current Value: At its discretion, Aetna may require a minimum initial Current Value for election of this option. If after election of this option the Current Value is insufficient to make a scheduled SWO payment, Aetna will distribute the entire Account balance.

18

(c)	Date of Distribution: The Certificate Holder shall specify the initial distribution date.
	The earliest date for distribution is the date on which the Certificate Holder attains age 59-1/2. As elected by the Certificate Holder, SWO payments will be made on a monthly, quarterly, semi-annual or annual basis. If SWO payments are made more frequently than annually, the designated annual amount is divided by the number of payments due each calendar year. Subsequent distributions will be made on the 15th of any month or such other date Aetna may designate or allow.
(d)	SWO payments will cease upon the Certificate Holder's or Annuitant's death. A
	Beneficiary, however, may elect to continue SWO as provided in 3.12.
(e)	Election and Revocation: SWO may be elected by submitting a completed and signed election form to Aetna's home office. Once elected, this option may be revoked by the Certificate Holder or spousal Beneficiary, if elected after the Certificate Holder's
death,	by submitting a written request to
Aetna	at its home office. Any revocation
will	apply only to amounts not yet paid. SWO
may	be elected only once by the Certificate
Holder	or by the spousal Beneficiary.

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3.11 Death Benefit Amount:

<PAGE>

3.12	Death Benefit Options Available to Beneficiary:
3.12	Death Benefit Options Available to Beneficiary (Cont'd):

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Page 13 of 24

If the Certificate Holder or Annuitant dies
before Annuity payments start, the Beneficiary
is entitled to a death benefit under the
Account. If the Account is owned jointly, the
death benefit is paid at the death of the first
joint Certificate Holder to die. The claim date
is the date when proof of death and the
Beneficiary's claim are received in good order
at Aetna's home office. The amount of the death
benefit is determined as follows:

(a)      Death of Annuitant when the Certificate Holder is the Annuitant: The guaranteed death benefit is the greatest of:

(1) The sum of all Purchase Payment(s) made
to the Account (as of the date of
death) minus the sum of all amounts
surrendered, applied to an Annuity, or
deducted from the Account;

19

(2) The highest step up value, as of the
date of death, prior to the Annuitant's
75th birthday. A step-up value is
determined on each anniversary of the
Effective Date. Each step-up value is
calculated as the Account's Current
Value on the Effective Date
anniversary, increased by the amount of
any Purchase Payment(s) made, and
decreased by the sum of all amounts
surrendered, deducted, and/or applied
to an Annuity option since the
Effective Date anniversary.

(3) The Account's Current Value as of the
date of death.

The excess, if any, of the guaranteed death
benefit value over the Account's Current
Value is determined as of the date of death.
Any excess amount will be deposited to the
Account and allocated to Aetna Variable
Encore Fund as of the claim date. The
Current Value on the claim date plus any
excess amount deposited becomes the
Account's Current Value.

(b)	Death of the Certificate Holder if the Certificate Holder is not the Annuitant: The death benefit amount is the Account's Adjusted Current Value on the claim date. A
	Surrender Fee may apply to any full or partial surrender (see 3.14 and Contract Schedule I).
(c)	Death of spousal Beneficiary who continued the Account: The death benefit amount equals the Account's Adjusted Current Value on the claim date, less any applicable Surrender Fee on Purchase Payments made since the death of the Certificate Holder or Annuitant.

Prior to any election, or until amounts must be
otherwise distributed under this section, the
Current Value will be retained in the Account.
The Beneficiary has the right to allocate or
reallocate any amount to any of the available
investment options (subject to an MVA if
applicable). The following options are available
to the Beneficiary:

(a)      When the Certificate Holder is the Annuitant if the Annuitant dies (or when the Certificate Holder is a nonnatural person if the Annuitant dies):

(1) If the Beneficiary is the surviving
spouse, the spousal Beneficiary will be
the successor Certificate Holder and may
exercise all Certificate Holder rights
under the Contract and continue in the
Accumulation Period, or may elect (i) or
(ii) below.

20

Under the Code, distributions from the
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3.12      Death Benefit Options Available to Beneficiary (Cont'd):

<PAGE>

Page 14 of 24

Account are not required until the
spousal Beneficiary's death. The spousal
Beneficiary may elect to:

(i)	Apply some or all of the Adjusted Current Value to an Annuity option (see 4.07);
(ii)	Receive, at any time, a lump sum payment equal to the Adjusted Current Value of the Account.

(2) If the Beneficiary is other than the
surviving spouse, options (i) or (ii)
above apply. Any portion of the Adjusted
Current Value not applied to an Annuity
option within one year of the death must
be distributed within five years of the
date of death.

(3) If no Beneficiary exists, a lump sum
payment equal to the Adjusted Current
Value must be made to the Annuitant's
estate within five years of the date of
death.

(4) If the Beneficiary is an entity, a lump
sum payment equal to the Adjusted
Current Value must be made within five
years of the date of death.

(b)      When the Certificate Holder is not the Annuitant when the Certificate Holder dies:

(1) If the Beneficiary is the Certificate
Holder's surviving spouse, the spousal
Beneficiary will be the successor
Certificate Holder and may exercise all
Certificate Holder rights under the
Contract and continue in the
Accumulation Period, or may elect (i) or
(ii), below. Under the Code,
distributions from the Account are not
required until the spousal Beneficiary's
death. The spousal Beneficiary may elect
to:

(i)	Apply some or all of the Adjusted Current Value to Annuity option 2 or 3 (see 4.07);
(ii)	Receive, at any time, a lump sum payment equal to the Surrender Value.

21

		(2) If the Beneficiary is other than the
		Certificate Holder's surviving spouse,
		options (i) or (ii) under (1) above
		apply. Any portion of the death benefit
		not applied to an Annuity option within
		one year of the Certificate Holder's
		death must be distributed within five
		years of the date of death.
		(3) If no Beneficiary exists, a lump sum
		payment equal to the Surrender Value
		must be made to the Certificate Holder's
		estate within five years of the date of
		death.
		(4) If the Beneficiary is an entity, a lump
		sum payment equal to the Surrender Value
		must be made within five years of the
		date of death.
		(c) When the Certificate Holder is a natural
		person and not the Annuitant, when the
		Annuitant dies, the Beneficiary (or the
		Certificate Holder if no Beneficiary exists)
		may elect to:
		(i)	Apply all or some of the Adjusted
			Current Value to an Annuity option
			within 60 days of the date of
			death; or
		(ii)	Receive a lump sum payment equal
			to the Adjusted Current Value.
3.13	Liquidation of	All or any portion of the Account's Current

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Surrender Value:

3.14 Surrender Fee:

<PAGE>

3.15      Payment of Surrender Value:

Page 15 of 24

Value may be surrendered at any time. Surrender
requests can be submitted as a percentage of the
Account value or as a specific dollar amount.
Net Purchase Payment amounts are withdrawn
first, and then the excess value, if any. For
any partial surrender, amounts are withdrawn on
a pro rata basis from the Fund(s) and/or the
Guaranteed Term(s) Groups of the AG Account in
which the Current Value is invested. Within a
Guaranteed Term Group, the amount to be
surrendered or transferred will be withdrawn
first from the oldest Deposit Period, then from
the next oldest, and so on until the amount
requested is satisfied.

After deduction of the Maintenance Fee, if
applicable, the surrendered amount shall be
reduced by a Surrender Fee, if applicable. An
MVA may apply to amounts surrendered from the AG
Account.

The Surrender Fee only applies to the Net
Purchase Payment(s) portion surrendered and
varies according to the elapsed time since
deposit (see Contract Schedule I). Net Purchase
Payment amounts are withdrawn in the same order
they were applied.

22

No Surrender Fee is deducted from any portion of
the Current Value which is paid:

(a)	To a Beneficiary due to the Annuitant's death before Annuity payments start, up to a maximum of the aggregate Net Purchase Payment(s) minus the total of all partial surrenders, amounts applied to an Annuity and deductions made prior to the Annuitant's date of death;
(b)	As a premium for an Annuity option (see 4.07);
(c)	As a distribution under the SWO provision (see 3.10);
(d)	At least 12 months after the date of the first Purchase Payment to the Account, in an amount equal to or less than 10% of the Current Value. This applies to the first surrender request, partial or full, in a calendar year. The Current Value is calculated as of the date the surrender request is received in good order at Aetna's home office. This waiver is not available to the Certificate Holder while SWO is in effect;
(e)	For a full surrender of the Account where the Current Value of the Account is $2,500 or less and no surrenders have been taken from the Account within the prior 12 months;
(f)	By Aetna under 3.16; or
(g)	If the Annuitant has spent at least 45
consecutive	days in a licensed nursing care
facility	and each of the following
conditions	are met:

(1) more than one calendar year has elapsed
since the date the certificate was
issued; and

(2) the surrender is requested within 3
years of admission to a licensed nursing
care facility.

This waiver does not apply if the Annuitant was
in a nursing care facility at the time the
certificate was issued.

Under certain emergency conditions, Aetna may
defer payment:

(a)	For a period of up to 6 months (unless not allowed by state law); or
(b)	As provided by federal law.

23
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3.16	Payment of Adjusted Current Value:
IV.	ANNUITY PROVISIONS

Page 16 of 24

Upon 90 days' written notice to the Certificate
Holder, Aetna will terminate any Account if the
Current Value becomes less than $2,500
immediately following any partial surrender.
Aetna does not intend to exercise this right in
cases where an Account Current Value is reduced
to $2,500 or less solely due to investment
performance. A Surrender Fee will not be
deducted from the Adjusted Current Value.

- --------------------------------------------------------------------------------

4.01 Choices:

4.02      Terms of Annuity Options:

<PAGE>

4.02      Terms of Annuity Options (Cont'd):

The Certificate Holder may tell Aetna to apply any portion of the Adjusted Current Value (minus any premium tax, if applicable,) to any Annuity option (see 4.07). The first Annuity payment may not be earlier than one calendar year after the initial Purchase Payment nor later than the later of:

(a)	The first day of the month following the Annuitant's 85th birthday; or
(b)	The tenth anniversary of the last Purchase Payment. In lieu of the election of an Annuity, the Certificate Holder may tell Aetna to make a lump sum payment.

When an Annuity option is chosen, Aetna must also be told if payments are to be made other than monthly and whether to pay:

(a)	A Fixed Annuity using the General Account;
(b)	A Variable Annuity using any of the Fund(s) available under this Contract for Annuity purposes; or
(c)	A combination of (a) and (b).

If a Fixed Annuity is chosen, the Annuity purchase rate for the option chosen reflects the Minimum Guaranteed Interest Rate (see Contract Schedule II), but may reflect higher interest rates. If a Variable Annuity is chosen, the initial Annuity payment for the option chosen reflects the assumed annual return rate elected. (see Contract Schedule II).

(a)	When payments start, the age of the Annuitant plus the number of years for which payments are guaranteed must not exceed 95.
(b)	An Annuity option may not be elected if the first payment would be less than $50 or if the total payments in a year would be less than $250 (less if required by state law).
	Aetna reserves the right to increase the minimum first Annuity payment amount and the annual minimum Annuity payment amount based upon increases reflected in the Consumer Price Index-Urban, (CPI-U) since July 1, 1993.

24

(c)	If a Fixed Annuity is chosen and a larger payment would result from applying the Surrender Value to a current Aetna single premium immediate Annuity, Aetna will make the larger payment.
(d)	For purposes of calculating the guaranteed first payment of a Variable Annuity or the payments for a Fixed Annuity, the Annuitant's and second Annuitant's adjusted age will be used. The Annuitant's and second Annuitant's adjusted age is his or her age as of the birthday closest to the Annuity commencement date reduced by one year for Annuity commencement dates occurring during the period of time from July 1, 1993 through December 31, 1999. The Annuitant's and second Annuitant's age will be reduced by two years for Annuity commencement dates occurring during the period of time from January 1, 2000 through December 31, 2009.
	The Annuitant's and second Annuitant's age will be reduced by one additional year for

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4.03      Death of Annuitant/Beneficiary:

4.03      Death of Annuitant/Beneficiary (Cont'd):

Page 17 of 24

Annuity commencement dates occurring in each
succeeding decade.

The Annuity purchase rates for options 2 and 3
are based on mortality from 1983 Table a.

(e)	Assumed Annual Net Return Rate is the interest rate used to determine the amount of the first Annuity payment under a Variable Annuity as shown on Contract Schedule II. The Separate Account must earn this rate plus enough to cover the mortality and expense risks charges (which may include profit) and administrative charges if future Variable Annuity Payments are to remain level, (see Annuity return factor under Variable Annuity Assumed Annual Net Return Rate on Contract Schedule II).
(f)	Once elected, Annuity payments cannot be commuted to a lump sum except for Variable Annuity payments under option 1 (see 4.07).
	The life expectancy of the Annuitant or the Annuitant and second Annuitant shall be irrevocable upon the election of an Annuity option.

25

(a)	Certificate Holder is Annuitant: When the Certificate Holder is the Annuitant and the Annuitant dies under option 1 or 2, or both the Annuitant and the second Annuitant die under option 3(d), the present value of any remaining guaranteed payments will be paid in one sum to the Beneficiary, or upon election by the Beneficiary, any remaining payments will continue to the Beneficiary.
	If option 3 has been elected and the Certificate Holder dies, the remaining payments will continue to the successor payee. If no successor payee has been designated, the Beneficiary will be treated as the successor payee. If the Account has joint Certificate Holder's, the surviving joint Certificate Holder will be deemed the successor payee.
(b)	Certificate Holder is Not Annuitant: When the Certificate Holder is not the Annuitant and the Certificate Holder dies, the remaining payments will continue to the successor payee. If no successor payee has
been	designated, the Beneficiary will be
treated	as the successor payee. If the
Account	has joint Certificate Holder's, the
surviving	joint Certificate Holder will be
deemed	the successor payee.

If the Annuitant dies under option 1 or 2, or
both the Annuitant and the second Annuitant die
under option 3(d), the present value of any
remaining guaranteed payments will be paid in
one sum to the Beneficiary, or upon the election
by the Beneficiary, any remaining payments will
continue to the Beneficiary. If option 3 has
been elected, and the Annuitant dies, the
remaining payments will continue to the
Certificate Holder.

(c)

No Beneficiary Named/Surviving: If there is no Beneficiary, the present value of any remaining payments will be paid in one sum to the Certificate Holder, or if the Certificate Holder is not living, then to the Certificate Holder's estate.

(d)

If the Beneficiary or the successor payee dies while receiving Annuity payments, the present value of any remaining guaranteed payments will be paid in one sum to the successor Beneficiary/payee, or upon election by the successor Beneficiary/payee, any remaining payments will continue to the successor Beneficiary/payee. If no successor Beneficiary/payee has been designated, the present value of any remaining guaranteed payments will be paid in one sum to the Beneficiary's/payee's estate.

26

<PAGE>

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4.04      Fund(s) Annuity Units -- Separate Account:

4.04      Fund(s) Annuity Units Separate Account (Cont'd):

4.05      Fund(s) Annuity Unit Value -- Separate Account:

4.06	Annuity Net
	Return Factor(s) -- Separate Account:

<PAGE>

Page 18 of 24

(e)	The present value will be determined as of the Valuation Period in which proof of death acceptable to Aetna and a request for payment is received at Aetna's home office.
	The interest rate used to determine the first payment will be used to calculate the present value.

The number of each Fund's Annuity Units is based
on the amount of the first Variable Annuity
payment which is equal to:

(a)	The portion of the Current Value applied to pay a Variable Annuity (minus any premium tax); divided by
(b)	1,000; multiplied by
(c)	The payment rate for the option chosen.

Such amount, or portion, of the variable payment
will be divided by the appropriate Fund Annuity
unit value (see 4.05) on the tenth Valuation
Period before the due date of the first payment
to determine the number of each Fund Annuity
units. The number of each Fund Annuity units
remains fixed. Each future payment is equal to
the sum of the products of each Fund Annuity
unit value multiplied by the appropriate number
of units. The Fund Annuity unit value on the
tenth Valuation Period prior to the due date of
the payment is used.

For any Valuation Period, a Fund Annuity unit
value is equal to:

(a)	The value for the previous Period; multiplied by
(b)	The Annuity net return factor(s) (see 4.06 below) for the Period; multiplied by
(c)	A factor to reflect the assumed annual net return rate (see Contract Schedule II).

The dollar value of a Fund Annuity unit values
and Annuity payments may go up or down due to
investment gain or loss.

The Annuity net return factor(s) are used to
compute all Separate Account Annuity Payments
for any Fund. The Annuity net return factor(s)
for each Fund is equal to 1.0000000 plus the net
return rate.

The net return rate is equal to:

(a)      The value of the shares of the Fund held by the Separate Account at the end of a Valuation Period; minus

27

(b)	The value of the shares of the Fund held by
	the	Separate Account at the start of the
	Valuation	Period; plus or minus
(c)	Taxes (or reserves for taxes) on the
	Separate	Account (if any); divided by
(d)	The total value of the Fund(s) record units
	and	Fund(s) Annuity units of the Separate
	Account	at the start of the Valuation
	Period;	minus
(e)	A daily charge for Annuity mortality and
	expense	risks, which may include profit, and
	a	daily administrative charge ( at the
	annual	rate as shown on Contract Schedule
	II)	.
A	net return rate may be more or less than 0%.

The value of a share of the Fund is equal to the
net assets of the Fund divided by the number of
shares outstanding.

Payments shall not be changed due to changed due
to changes in the mortality or expenses results
or administrative charges.

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4.07	Annuity Options:	Option 1 -- Payments for a Stated Period of Time
		-- An Annuity will be paid for the number of
		years chosen. The number of years must be at
		least 5 and not more than 30.
		If payments for this option are made under a
		Variable Annuity, the present value of any
		remaining payments may be withdrawn at any time.
		If a withdrawal is requested within 3 years
		after the start of payments, it will be treated
		as a surrender and any applicable Surrender Fee
		will be applied (see 3.14).
		If a nonspouse Beneficiary elects this option at
		the death of the Certificate Holder, the period
		selected may not extend beyond the Beneficiary's
life expectancy.
		Option 2 -- Life Income -- An Annuity will be
		paid for the life of the Annuitant. If also
		chosen, Aetna will guarantee payments for 60,
		120, 180, or 240 months.
		Option 3 -- Life Income Based upon the Lives of
		Two Annuitants -- An Annuity will be paid during
		the lives of the Annuitant and a second
		Annuitant. Payments will continue until both
		Annuitants have died. When this option is
		chosen, a choice must be made of:

28

<PAGE>

(a)	100% of the payment to continue after the first death;
(b)	66-2/3% of the payment to continue after the first death;
(c)	50% of the payment to continue after the first death;
(d)	Payments for a minimum of 120 months with 100% of the payment to continue after the first death; or
(e)	100% of the payment to continue at the death of the second Annuitant and 50% of the payment to continue at the death of the Annuitant.

Other Options -- Aetna may make other options
available as allowed by the laws of the state in
which this Contract and the Certificate is
delivered.

29

<PAGE>

			OPTION 1
		Payments for a Stated Period of Time
	Amount of First Monthly Payment for Each $1,000
	After Deduction of any Charge for Premium Taxes
Rates for a Fixed Annuity with Guaranteed Interest Rate of 3.0%
------------------------------------------------------------------
	Guaranteed Monthly		Quarterly Semi-Annual Annual
Years	Rate	Payment	Payment	Payment	Payment
------------------------------------------------------------------
3	3.00%	$28.99	$86.76	$172.88	$343.23
4	3.00%	22.06	66.02	131.56	261.19
5	3.00%	17.91	53.59	106.78	211.99
6	3.00%	15.14	45.30	90.27	179.22
7	3.00%	13.16	39.39	78.49	155.83
8	3.00%	11.68	34.96	69.66	138.31
9	3.00%	10.53	31.52	62.81	124.69
10	3.00%	9.61	28.77	57.33	113.82
11	3.00%	8.86	26.52	52.85	104.93
12	3.00%	8.24	24.65	49.13	97.54
13	3.00%	7.71	23.08	45.98	91.29
14	3.00%	7.26	21.73	43.29	85.95
15	3.00%	6.87	20.56	40.96	81.33
16	3.00%	6.53	19.54	38.93	77.29
17	3.00%	6.23	18.64	37.14	73.74
18	3.00%	5.96	17.84	35.56	70.59
19	3.00%	5.73	17.13	34.14	67.78
20	3.00%	5.51	16.50	32.87	65.26
21	3.00%	5.32	15.92	31.72	62.98
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22	3.00%	5.15	15.40	30.68	60.92
23	3.00%	4.99	14.92	29.74	59.04
24	3.00%	4.84	14.49	28.88	57.33
25	3.00%	4.71	14.09	28.08	55.76
26	3.00%	4.59	13.73	27.36	54.31
27	3.00%	4.47	13.39	26.68	52.97
28	3.00%	4.37	13.08	26.06	51.74
29	3.00%	4.27	12.79	25.49	50.60
30	3.00%	4.18	12.52	24.95	49.53

------------------------------------------------------------------

30

<PAGE>

OPTION 2

Life Income

Amount of First Monthly Payment for Each $1,000
After Deduction of any Charge for Premium Taxes

Rates for a Fixed Annuity with Guaranteed Interest Rate of 3.0%

     Payments Guaranteed for a Stated Period of Months ----------------------------------------------------------------------

Adjusted Age of
Annuitant	None	60	120	180	240

----------------------------------------------------------------------

50	$4.05	$4.05	$4.03	$3.99	$3.93
51	4.12	4.11	4.09	4.05	3.99
52	4.19	4.19	4.16	4.11	4.04
53	4.27	4.26	4.23	4.18	4.10
54	4.35	4.34	4.31	4.25	4.16
55	4.44	4.42	4.39	4.32	4.22
56	4.53	4.51	4.47	4.40	4.29
57	4.62	4.61	4.56	4.48	4.35
58	4.72	4.71	4.65	4.56	4.42
59	4.83	4.81	4.75	4.64	4.49
60	4.95	4.93	4.86	4.73	4.55
61	5.07	5.05	4.97	4.83	4.62
62	5.20	5.17	5.08	4.92	4.69
63	5.34	5.31	5.20	5.02	4.76
64	5.49	5.45	5.33	5.12	4.83
65	5.65	5.61	5.47	5.22	4.89
66	5.82	5.77	5.61	5.33	4.96
67	6.01	5.94	5.75	5.44	5.02
68	6.20	6.13	5.91	5.54	5.08
69	6.41	6.33	6.07	5.65	5.14
70	6.64	6.54	6.23	5.76	5.19
71	6.88	6.76	6.41	5.86	5.24
72	7.14	7.00	6.59	5.97	5.28
73	7.43	7.26	6.77	6.06	5.32
74	7.73	7.53	6.96	6.16	5.35
75	8.06	7.82	7.14	6.25	5.38

     ----------------------------------------------------------------------Rates are based on mortality from 1983 Table a. The rates do not differ by sex.

Rates for ages not shown will be provided on request and will be computed on a basis consistent with the rates in the above tables.

31

<PAGE>

OPTION 3

Life Income for Two Payees

Amount of First Monthly Payment for Each $1,000
After Deduction of any Charge for Premium Taxes

Rates for a Fixed Annuity with Guaranteed Interest Rate of 3.0%

- --------------------------------------------------------------------------------
Adjusted Ages
- --------------------
	Second
Annuitant Annuitant Option 3a Option 3b				Option 3c	Option 3d	Option 3e
- -------------------------------------------------------------------------------
55	50	$3.69	$4.05	$4.27	$3.69	$4.03
55	55	3.88	4.25	4.47	3.87	4.14
55	60	3.99	4.44	4.71	3.98	4.42
60	55	3.99	4.44	4.71	3.98	4.42
60	60	4.24	4.71	4.99	4.23	4.57
60	65	4.38	4.97	5.32	4.38	4.93
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65	60	4.38	4.97	5.32	4.38	4.93
65	65	4.72	5.33	5.70	4.71	5.14
65	70	4.93	5.68	6.15	4.91	5.66
70	65	4.93	5.68	6.15	4.91	5.66
70	70	5.40	6.21	6.70	5.36	5.96
70	75	5.69	6.68	7.32	5.62	6.67
75	70	5.69	6.68	7.32	5.62	6.67
75	75	6.37	7.45	8.15	6.23	7.12
75	80	6.78	8.11	8.99	6.54	8.13

- -------------------------------------------------------------------------------Rates are based on mortality from 1983 Table a. The rates do not differ by sex.

Rates for ages not shown will be provided on request and will be computed on a basis consistent with the rates in the above tables.

32

<PAGE>

OPTION 1

Payments for a Stated Period of Time

Amount of First Monthly Payment for Each $1,000
After Deduction of any Charge for Premium Taxes

Rates for a Variable Annuity with Assumed Net Return Rate of 3.5%

- --------------------------------------------------------------------------------

	Guaranteed	Monthly	Quarterly	Semi-Annual	Annual
Years	Rate	Payment	Payment	Payment	Payment

- --------------------------------------------------------------------------------

3	3.50%	$29.19	$87.33	$173.91	$344.86
4	3.50%	22.27	66.61	132.65	263.04
5	3.50%	18.12	54.19	107.92	213.99
6	3.50%	15.35	45.92	91.44	181.32
7	3.50%	13.38	40.01	79.69	158.01
8	3.50%	11.90	35.59	70.88	140.56
9	3.50%	10.75	32.16	64.05	127.00
10	3.50%	9.83	29.42	58.59	116.18
11	3.50%	9.09	27.18	54.13	107.34
12	3.50%	8.46	25.32	50.42	99.98
13	3.50%	7.94	23.75	47.29	93.78
14	3.50%	7.49	22.40	44.62	88.47
15	3.50%	7.10	21.24	42.31	83.89
16	3.50%	6.76	20.23	40.29	79.89
17	3.50%	6.47	19.34	38.51	76.37
18	3.50%	6.20	18.55	36.94	73.25
19	3.50%	5.97	17.85	35.54	70.47
20	3.50%	5.75	17.22	34.28	67.98
21	3.50%	5.56	16.65	33.15	65.74
22	3.50%	5.39	16.13	32.13	63.70
23	3.50%	5.24	15.66	31.19	61.85
24	3.50%	5.09	15.24	30.34	60.17
25	3.50%	4.96	14.85	29.56	58.62
26	3.50%	4.84	14.49	28.85	57.20
27	3.50%	4.73	14.15	28.19	55.90
28	3.50%	4.63	13.85	27.58	54.69
29	3.50%	4.53	13.57	27.02	53.57
30	3.50%	4.45	13.30	26.49	52.53

- --------------------------------------------------------------------------------

33

<PAGE>

OPTION 1

Payments for a Stated Period of Time

Amount of First Monthly Payment for Each $1,000
After Deduction of any Charge for Premium Taxes

	Rates for a Variable Annuity with Assumed Net Return Rate of 5.0%
- --------------------------------------------------------------------------------
	Guaranteed	Monthly	Quarterly	Semi-Annual	Annual
Years	Rate	Payment	Payment	Payment	Payment
- --------------------------------------------------------------------------------
3	5.00%	$29.80	$89.04	$176.99	$349.72
4	5.00%	22.89	68.38	135.93	268.58
5	5.00%	18.74	56.00	111.33	219.98
6	5.00%	15.99	47.77	94.96	187.64
7	5.00%	14.02	41.90	83.30	164.59
8	5.00%	12.56	37.52	74.58	147.35
9	5.00%	11.42	34.11	67.81	133.99
10	5.00%	10.51	31.40	62.42	123.34
11	5.00%	9.77	29.19	58.03	114.66
12	5.00%	9.16	27.36	54.38	107.45
13	5.00%	8.64	25.81	51.31	101.39
14	5.00%	8.20	24.50	48.69	96.21
15	5.00%	7.82	23.36	46.44	91.75
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16	5.00%	7.49	22.37	44.47	87.88
17	5.00%	7.20	21.51	42.75	84.48
18	5.00%	6.94	20.74	41.23	81.47
19	5.00%	6.71	20.06	39.88	78.80
20	5.00%	6.51	19.46	38.68	76.42
21	5.00%	6.33	18.91	37.59	74.28
22	5.00%	6.17	18.42	36.62	72.35
23	5.00%	6.02	17.98	35.73	70.61
24	5.00%	5.88	17.57	34.93	69.02
25	5.00%	5.76	17.20	34.20	67.57
26	5.00%	5.65	16.87	33.53	66.25
27	5.00%	5.54	16.56	32.92	65.04
28	5.00%	5.45	16.28	32.35	63.93
29	5.00%	5.36	16.01	31.83	62.90
30	5.00%	5.28	15.77	31.35	61.95

- --------------------------------------------------------------------------------

34

<PAGE>

OPTION 2

Life Income

Amount of First Monthly Payment for Each $1,000
After Deduction of any Charge for Premium Taxes

Rates for a Variable Annuity with Assumed Net Return Rate of 3.5%

Payments Guaranteed for a Stated Period of Months
-----------------------------------------------------------------

Adjusted
Age of	None	60	120	180	240

Annuitant

-----------------------------------------------------------------

50	$4.34	$4.34	$.31	$4.27	$4.22
51	4.41	4.40	4.38	4.33	4.27
52	4.48	4.47	4.45	4.40	4.32
53	4.56	4.55	4.52	4.46	4.38
54	4.64	4.63	4.59	4.53	4.44
55	4.72	4.71	4.67	4.60	4.50
56	4.81	4.80	4.75	4.67	4.56
57	4.91	4.89	4.84	4.75	4.62
58	5.01	4.99	4.93	4.83	4.69
59	5.12	5.10	5.03	4.92	4.75
60	5.23	5.21	5.13	5.00	4.82
61	5.36	5.33	5.24	5.09	4.88
62	5.49	5.45	5.35	5.19	4.95
63	5.63	5.59	5.47	5.28	5.02
64	5.78	5.73	5.60	5.38	5.08
65	5.94	5.89	5.73	5.48	5.15
66	6.11	6.05	5.87	5.58	5.21
67	6.29	6.22	6.02	5.69	5.27
68	6.49	6.41	6.17	5.79	5.33
69	6.70	6.60	6.33	5.90	5.38
70	6.92	6.81	6.49	6.00	5.43
71	7.17	7.04	6.66	6.10	5.48
72	7.43	7.27	6.84	6.20	5.52
73	7.71	7.53	7.02	6.30	5.55
74	8.02	7.80	7.20	6.39	5.59
75	8.35	8.08	7.38	6.48	5.62

     -----------------------------------------------------------------Rates are based on mortality from 1983 Table a. The rates do not differ by sex.

Rates for ages not shown will be provided on request and will be computed on a basis consistent with the rates in the above tables.

35

<PAGE>

OPTION 2

Life Income

Amount of First Monthly Payment for Each $1,000
After Deduction of any Charge for Premium Taxes

Rates for a Variable Annuity with Assumed Net Return Rate of 5.0%

	Payments Guaranteed for a Stated Period of Months
- --------------------------------------------------------------------------------
Adjusted Age of
Annuitant	None	60	120	180	240
- --------------------------------------------------------------------------------
50	$5.26	$5.25	$5.22	$5.17	$5.11
51	5.33	5.32	5.28	5.23	5.15
52	5.40	5.38	5.34	5.29	5.20
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53	5.47	5.45	5.41	5.35	5.26
54	5.54	5.53	5.48	5.41	5.31
55	5.63	5.61	5.56	5.47	5.36
56	5.71	5.69	5.63	5.54	5.42
57	5.80	5.78	5.72	5.61	5.47
58	5.90	5.88	5.81	5.69	5.53
59	6.01	5.98	5.90	5.77	5.59
60	6.12	6.09	6.00	5.85	5.65
61	6.24	6.21	6.10	6.93	5.71
62	6.37	6.33	6.21	6.02	5.77
63	6.51	6.46	6.33	6.11	5.83
64	6.66	6.60	6.45	6.20	5.89
65	6.82	6.75	6.57	6.30	5.95
66	6.99	6.91	6.71	6.39	6.01
67	7.17	7.08	6.85	6.49	6.06
68	7.36	7.27	6.99	6.59	6.12
69	7.57	7.46	7.15	6.69	6.17
70	7.80	7.67	7.30	6.78	6.21
71	8.05	7.89	7.47	6.88	6.25
72	8.31	8.13	7.64	6.97	6.29
73	8.59	8.38	7.81	7.06	6.33
74	8.90	8.64	7.99	7.15	6.36
75	9.23	8.93	8.16	7.23	6.38

- --------------------------------------------------------------------------------Rates are based on mortality from 1983 Table a. The rates do not differ by sex.

Rates for ages not shown will be provided on request and will be computed on a basis consistent with the rates in the above tables.

36

<PAGE>

OPTION 3

Life Income for Two Payees

Amount of First Monthly Payment for Each $1,000
After Deduction of any Charge for Premium Taxes

Rates for a Variable Annuity with Assumed Net Return Rate of 3.5%

- --------------------------------------------------------------------------------Adjusted Ages - -----------------------Second Annuitant Annuitant Option 3a Option 3b Option 3c Option 3d Option 3e - --------------------------------------------------------------------------------

55	50	$3.97	$4.35	$4.56	$3.97	$4.31
55	55	4.16	4.54	4.76	4.15	4.42
55	60	4.27	4.73	5.00	4.26	4.48
60	55	4.27	4.73	5.00	4.26	4.70
60	60	4.51	4.99	5.27	4.50	4.84
60	65	4.66	5.25	5.61	4.65	4.93
65	60	4.66	5.25	5.61	4.65	5.22
65	65	4.99	5.61	5.99	4.98	5.42
65	70	5.19	5.97	6.44	5.17	5.54
70	65	5.19	5.97	6.44	5.17	5.93
70	70	5.67	6.49	6.99	5.62	6.23
70	75	5.95	6.96	7.61	5.87	6.40
75	70	5.95	6.96	7.61	5.87	6.95
75	75	6.64	7.73	8.43	6.48	7.40
75	80	7.04	8.39	9.29	6.79	7.64

- --------------------------------------------------------------------------------Rates are based on mortality from 1983 Table a. The rates do not differ by sex.

Rates for ages not shown will be provided on request and will be computed on a basis consistent with the rates in the above tables.

37

<PAGE>

OPTION 3

Life Income for Two Payees

Amount of First Monthly Payment for Each $1,000
After Deduction of any Charge for Premium Taxes

Rates for a Variable Annuity with Assumed Net Return Rate of 5.0%

- --------------------------------------------------------------------------------Adjusted Ages - --------------------Second

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Annuitant Annuitant Option 3a Option 3b Option 3c Option 3d Option 3e - --------------------------------------------------------------------------------

55	50	$4.88	$5.26	$5.48	$4.88	$5.23
55	55	5.04	5.44	5.66	5.04	5.32
55	60	5.15	5.63	5.91	5.14	5.38
60	55	5.15	5.63	5.91	5.14	5.59
60	60	5.37	5.87	6.16	5.37	5.72
60	65	5.52	6.14	6.51	5.51	5.80
65	60	5.52	6.14	6.51	5.51	6.10
65	65	5.83	6.49	6.87	5.82	6.29
65	70	6.04	6.84	7.34	6.00	6.41
70	65	6.04	6.84	7.34	6.00	6.81
70	70	6.49	7.35	7.87	6.44	7.08
70	75	6.77	7.84	8.51	6.68	7.25
75	70	6.77	7.84	8.51	6.68	7.81
75	75	7.45	8.60	9.33	7.27	8.25
75	80	7.86	9.28	10.20	7.57	8.49

- --------------------------------------------------------------------------------Rates are based on mortality from 1983 Table a. The rates do not differ by sex.

Rates for ages not shown will be provided on request and will be computed on a basis consistent with the rates in the above tables.

38

<PAGE>

- --------------------------------------------------------------------------------

Aetna Insurance Company of America
Home Office: 151 Farmington Avenue
P.O. Box 30670
Hartford, Connecticut 06150-0670
(800) 531-4547

Certificate of Group Annuity Coverage

- --------------------------------------------------------------------------------

ALL PAYMENTS AND VALUES PROVIDED BY THE GROUP CONTRACT, WHEN BASED ON INVESTMENT EXPERIENCE OF A SEPARATE ACCOUNT, ARE VARIABLE AND ARE NOT GUARANTEED AS TO FIXED DOLLAR AMOUNT. THIS CERTIFICATE CONTAINS A MARKET VALUE ADJUSTMENT FORMULA. APPLICATION OF A MARKET VALUE ADJUSTMENT MAY RESULT IN EITHER AN INCREASE OR DECREASE IN THE CURRENT VALUE. THE MARKET VALUE ADJUSTMENT FORMULA DOES NOT APPLY TO A GUARANTEED TERM AT THE TIME OF ITS MATURITY.

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EX-16

Page 1 of 23

Exhibit 16(4)(e)
Aetna Insurance Company of America
Home Office: 151 Farmington Avenue
Hartford, Connecticut 06156
(800) 531-4547
Group Variable, Fixed or Combination Annuity Contract (Nonparticipating)
Aetna Insurance Company of America (We or Us) agrees to pay benefits according
to the terms and conditions set forth in this Contract.
Specifications
- --------------------------------------------------------------------------------
Plan
- --------------------------------------------------------------------------------
Type of Plan
- --------------------------------------------------------------------------------
Contract Holder
- --------------------------------------------------------------------------------
Contact Number
- --------------------------------------------------------------------------------
Effective Date
This Contract is delivered in	and
is subject to the laws and regulations of that state.
THE VARIABLE FEATURES OF THE CONTRACT ARE DESCRIBED IN SECTIONS 6 AND 12.
Right to Cancel
- --------------------------------------------------------------------------------
The Group Contract Holder may cancel this Contract within ten (10) days of
receiving it by returning it to Us at the address above or to the person from
whom it was purchased. Within seven (7) days of the cancellation request, We
will return the Certificate Holder's Purchase Payment(s) made plus any increase,
or minus any decrease, on the amount allocated to the Separate Account.
Signed at the Home Office on the Effective Date.
/s/ Dan Kearney	/s/ Susan E. Schechter
President	Secretary
ALL PAYMENTS AND VALUES PROVIDED BY THE GROUP CONTRACT, WHEN BASED ON INVESTMENT
EXPERIENCE OF A SEPARATE ACCOUNT, ARE VARIABLE AND ARE NOT GUARANTEED AS TO
FIXED DOLLAR AMOUNT. THIS CONTRACT CONTAINS A MARKET VALUE ADJUSTMENT FORMULA.
APPLICATION OF A MARKET VALUE ADJUSTMENT MAY RESULT IN EITHER AN INCREASE OR
DECREASE IN THE CURRENT VALUE. THE MARKET VALUE ADJUSTMENT FORMULA DOES NOT
APPLY TO A GUARANTEED TERM AT THE TIME OF ITS MATURITY.
G-CDA-GP2(4/94)
<PAGE>
Table of Contents
	Page
Right to Cancel	1
Contract Schedule	4
Separate Account	4
AICA Guaranteed Account (AG Account)	4
Separate Account and AG Account	4
Fixed Annuity	6
Section 1. Definitions	7
Section 2. General Provisions	9
The Contract	9
Certificates	9
Nonparticipating Contract	9
Misstatements and Adjustments	9
Reports	9
Premium Taxes	9
Protection of Proceeds	9
Evidence of Survival	9
Proof of Age	9
Change of Contract	9
Section 3. Ownership	10
Group Contract Holder	10
Certificate Holder Rights	10
Transfer of Ownership	10
Section 4. Beneficiary Provisions	11
Beneficiary	11
Change of Beneficiary	11
Death of Beneficiary	11
Section 5. Purchase Payments	11
Purchase Payments	11
Allocation of Purchase Payments	11
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Section 6. Separate Account	12
General	12
Investment Allocations to the Separate Account	12
Valuation of Assets	12
Accumulation Unit	12
Net Return Factor for Each Valuation Period	12
Administrative Charge	13
Mortality Risk Charge	13
Expense Risk Charge	13
Mortality and Expense Guarantee	13
2
<PAGE>
Section 7. AG Account	13
AG Account Guaranteed Interest Rate	13
Deposit Period	13
Guaranteed Term	13
Guaranteed Term(s) Groups	13
Maturity Date	14
Allocation of Net Purchase Payments to the AG Account	14
AG Account Guaranteed Term Maturity Date and Maturity Value	14
Transfers from the AG Account	14
Withdrawals from the AG Account	14
Reinvestment	14
AG Account Market Value Adjustment (Factor)	15
Section 8. Certificate Holder's Account Value; Transfers and
Withdrawals During the Accumulation Period	15
Certificate Holder's Account Value	15
Transfers During the Accumulation Period	16
Withdrawals During the Accumulation Period	16
Deferred Sales Charge	16
Waiver of Deferred Sales Charge	16
Payment of Adjusted Certificate Holder Account Value	17
Systematic Withdrawal Option (SWO)	17
Section 9. Maintenance Charge	18
Maintenance Charge	18
Section 10. Proceeds Payable on Death	18
Death of the Certificate Holder Prior to the Annuity Date	18
Death Benefit Amount Prior to the Annuity Date	18
Death Benefit Payment Methods	19
Death of Certificate Holder On or After the Annuity Date	20
Death of the Annuitant	20
Section 11. Delay of Payments	20
Delay of Payments	20
Section 12. Annuity Provisions	20
Designation of Annuitant	21
Terms of Annuity Options	21
Annuity Unit	22
Annuity Unit Value	23
Annuity Net Return Factor	23
Annuity Options	23

	3
<PAGE>
Contract Schedule

Separate Account

- -------------------------------------------------------------------------------

Separate Account:	Variable Account I
Charges to the Separate	A daily charge is deducted from the assets of the
Account:	Separate Account. The deduction is the daily
	equivalent of the annual effective percentage shown
	below:
	(a) During the Accumulation Period:
	Administrative Charge	0.15%
	Mortality Risk Charge	0.35%
	Expense Risk Charge	0.90%
	TOTAL Separate Account Charges During
	Accumulation Period	1.40%
	(b) During the Annuity Period
	Administrative Charge Not To Exceed	0.25%
	Mortality Risk Charge	0.35%
	Expense Risk Charge	0.90%
	TOTAL Maximum Separate Account Charges
	During Annuity Period	1.50%

AICA Guaranteed Account (AG Account)

- -------------------------------------------------------------------------------

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Minimum Guaranteed	3.0%
Interest Rate (effective
annual rate of return):

Separate Account and AG Account

- -------------------------------------------------------------------------------

Minimum Initial Purchase
Payment:	$1,500
Minimum Subsequent	$500 or $50 per month if paid by an automatic
Purchase Payment:	check plan
Maximum Subsequent	$500,000 without Home Office approval
Purchase Payment:
4
<PAGE>
Transfers:	We allow an unlimited number of transfers during the
	Accumulation Period. Twelve (12) transfers in any
	calendar year are free. Thereafter, We reserve the
	right to charge a transfer charge up to $10 for each
	subsequent transfer.
Maintenance Charge:	The annual maintenance charge is $30. If the
	Certificate Holder's Account is $50,000 or more on
	the date the maintenance charge is to be deducted,
	the maintenance charge is $0.
Deferred Sales Charge:	For each withdrawal from a Certificate Holder's
	Account, a deferred sales charge for each Net
	Purchase Payment will be determined as follows:
	Years from Receipt of		Deferred
	Net Purchase Payment		Sales Charge
		0-1	7%
		1-2	6%
		2-3	5%
		3-4	4%
		4-5	3%
		5-6	2%
		6-7	1%
		7+	0%
Waiver of Deferred Sales	Section 8.05 provides for the following:
Charge:
	(c)	At least 12 months after the date of the first
		Purchase Payment in an amount equal to or less
		than 15% of the Certificate Holder's Account
		Value.
	(d)	For a full withdrawal where the Certificate
		Holder's Account Value does not exceed $2,500
		and no withdrawals have been taken from the
		Certificate Holder's Account within the prior 12
		months.
Systematic Withdrawal	(a)	Specified Payment - Maximum Percentage: 10%
Option:
	(b)	Specified Period - Minimum Period: 10 years
	(c)	Specified Percentage - Maximum Percentage: 10%
Death Benefit Factor:	4%
Death Benefit Maximum	There is no maximum death benefit amount.
Amount:

Death Benefit Maximum Age: 85 years

	5
<PAGE> Fund for Allocation of Excess Guaranteed Death Benefit Value: Latest Annuity Date:	Federated Prime Money Fund II The Certificate Holder's 90th birthday.

Fixed Annuity

- -------------------------------------------------------------------------------

Minimum Guaranteed	3.0%
Interest Rate
(effective annual rate
of return):

6

<PAGE>

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Section 1. Definitions

• -------------------------------------------------------------------------------

• Accumulation Period - The period during which one or more Net

Purchase Payments applied to a Certificate Holder's Account
accumulate to provide future Annuity payments.

1.02	Accumulation Unit - A measure of the net investment results for each variable investment option during the Accumulation Period. The Accumulation Units for the applicable Funds are used to calculate the portion of a Certificate Holder's Account Value attributable to a Separate Account during the Accumulation Period.
1.03	Adjusted Certificate Holder Account Value - The Certificate Holder's Account Value, plus or minus any aggregate AG Account Market Value Adjustment.
1.04	Annuitant - The natural person on whose life an Annuity payment is based.
1.05	Annuity - A series of payments We make for life, a definite period or a combination of the two.
1.06	Annuity Date - The date on which Annuity payments commence.
1.07	Annuity Options - Annuity payment methods available during the Annuity Period.
1.08	Annuity Period - The period of time during which Annuity payments are made.
1.09	Annuity Unit - A measure of the net investment results for each variable investment option during the Annuity Period. Annuity Units are used to calculate the amount of each variable Annuity payment.
1.10	Beneficiary - The person(s) entitled to receive any death benefit under the Certificate Holder's Account. Upon the death of a joint Certificate Holder, the surviving joint Certificate Holder, if any, is treated as the Beneficiary. Any other Beneficiary designation on record with Us at the time of death is treated as a contingent Beneficiary.
1.11	Certificate - The document issued to a Certificate Holder to evidence a Certificate Holder's Account established under the group Contract.
1.12	Certificate Holder - A person who has established a Certificate Holder's Account under a group Contract. We reserve the right to limit ownership to natural persons. If more than one Certificate Holder owns an Account, each Certificate Holder shall be a joint
Certificate	Holder. Any joint Certificate Holder must be the spouse
of	the other joint Certificate Holder. Joint Certificate Holders have
joint	ownership rights and both must authorize any exercising of
those	ownership rights unless otherwise allowed by Us.
1.13	Certificate Holder's Account - A record We establish for each
Certificate	Holder to maintain values under a group Contract.
1.14	Certificate Holder's Account Value - The dollar value as of any
Valuation	Period of all amounts accumulated in a Certificate Holder's
Account.
1.15	Contract - This agreement between the Group Contract Holder and Us.

7

<PAGE>

1.16	Effective Date - The date a Certificate is issued to a Certificate Holder.
1.17	Fund - One of the variable investment options which may be selected by a Certificate Holder.
1.18	General Account - The General Account is made up of all of our general assets other than those allocated to the separate accounts.
1.19	AICA Guaranteed Account (AG Account) - An investment option where We guarantee specified rate(s) of interest for specified periods of time. AG Account is a separate account established by Us in accordance with the provisions of the Connecticut General Statutes Section 38a-433. Certificate Holders do not participate in the investment gain or loss from the assets held in the AG Account.
	Assets in the AG Account may be charged with liabilities arising out of any other business We may conduct.
1.20	Group Contract Holder - The entity to which a group Contract is issued.
1.21	Home Office - Our headquarters, located at 151 Farmington Avenue, Hartford, CT 06156.
1.22	Market Value Adjustment - An adjustment to any withdrawal made from

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the AG Account before the end of a guaranteed term as stated in
Section 7.11.

1.23	Net Purchase Payment - The Purchase Payment less premium taxes, if applicable.
1.24	Purchase Payment - The gross payment accepted by Us and allocated to the Certificate Holder's Account. We reserve the right to refuse to accept any Purchase Payment at any time for any reason.
1.25	Separate Account - A separate account that buys and holds shares of the Fund(s). Income, gains or losses, realized or unrealized, are credited or charged to the Separate Account without regard to Our other income, gains or losses. We own the assets held in the Separate Account and are not a trustee as to such amounts. The Separate Account generally is not guaranteed and is held at market value. The name of the Separate Account is shown on the Contract Schedule. The assets of the Separate Account, to the extent of reserves and other Contract liabilities of the Separate Account, will not be charged with Our other liabilities.
1.26	Valuation Period - The period of time for which a Fund determines its net asset value, usually from 4:15 p.m. Eastern time each day the New York Stock Exchange is open until 4:15 p.m. the next such business day, or such other day that one or more of the Funds determines its net asset value. The assets of the Separate Account are not chargeable with the liabilities arising out of any other business We may conduct.
1.27	Variable Annuity Contract - An Annuity Contract providing for the accumulation of value and/or for Annuity payments which vary in amount based on investment results.

8

<PAGE>

Section 2. General Provisions

• -------------------------------------------------------------------------------

• The Contract - The entire Contract consists of this Contract and any

attached applications or endorsements.

2.02	Certificates - A Certificate is issued to each Certificate Holder whose Purchase Payment(s) is accepted by Us. The Certificate evidences a Certificate Holder's Account established under the Contract. Certificates are not part of the Contract.
2.03	Nonparticipating Contract - Neither the Group Contract Holder, Certificate Holder nor any Beneficiary have a right to share in our earnings.
2.04	Misstatements and Adjustments - If We learn that the age of any Annuitant or second Annuitant is misstated, the correct age will be used to adjust payments. We reserve the right to request reimbursement or adjust future payments for any amount overpaid. We will pay the amount of any underpayment.
2.05	Reports - We furnish each Certificate Holder with a report showing the Certificate Holder's Account Value at least once each calendar year. We also furnish an annual report of the Separate Account.
2.06	Premium Taxes - Any premium taxes paid to any governmental entity are charged against Purchase Payments or a Certificate Holder's Account.
	We may, at our sole discretion, pay premium taxes when due and deduct that amount from the Certificate Holder's Account at a later date. Payment at an earlier date does not waive any right We may have to deduct amounts at a later date.
2.07	Protection of Proceeds - To the extent permitted by law, all payments under this Contract to a Certificate Holder or Beneficiary shall be free from legal process and the claim of any creditor.
2.08	Evidence of Survival - The Company may require satisfactory evidence of the continued survival of any person(s) on whose life Annuity payments are based.
2.09	Proof of Age - The Company may require evidence of age of any Annuitant under Annuity Options 2 and 3 and of the designated second
Annuitant	under Annuity Option 3.
2.10	Change of Contract - Only our authorized officers may change the
terms	of this Contract. We will notify the Group Contract Holder in
writing	at least 30 days before the effective date of any change. Any
change	will not affect the amount or terms of any Annuity which
begins	before the change.
We	may make any change that affects the AG Account Market Value
Adjustment	with at least thirty (30) days' advance written notice to
the	Group Contract Holder and the Certificate Holder. Any such change
shall	become effective for any new guaranteed term and will apply to
all	present and future Certificate Holders' Accounts.
We	reserve the right to change the terms of the Systematic Withdrawal

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Option for future elections and discontinue the availability of this
option.

9

<PAGE>

Any change to any of the following provisions under this Contract will not apply to Certificate Holder's Accounts in existence before the effective date of the change:

(a)	Net Purchase Payment (1.23)
(b)	AG Account Guaranteed Interest Rate (7.01)
(c)	Net Return Factor (6.05)
(d)	Certificate Holder's Account Value (1.14)
(e)	Deferred Sales Charge (8.04)
(f)	Annuity Unit Value (12.04)
(g)	Annuity Options (12.06)
(h)	Fixed Annuity Interest Rates (12.01)
(i)	Transfers (8.02).

Any change that affects the Annuity Option and the tables for the
Annuity Options may be made:

(a)	No earlier than twelve (12) months after the Effective Date; and
(b)	No earlier than twelve (12) months after the effective date of any prior change.

Any Certificate Holder's Account established on or after the effective date of any change will be subject to the change. If the Group Contract Holder does not agree to any change under this provision, We reserve the right to not allow any new Certificate Holder's Accounts to be established under this Contract. This Contract may also be changed as deemed necessary by Us to comply with federal or state law.

Section 3. Ownership

• -------------------------------------------------------------------------------

• Group Contract Holder - The Group Contract Holder has title to the

Contract. The Contract and any amounts accumulated thereunder are not subject to the claims of the Group Contract Holder nor any of its creditors.

3.02	Certificate Holder Rights - The Certificate Holder has all interest
	and	right to amounts held in his or her Certificate Holder's Account.
	The	Certificate Holder and any joint Certificate Holder are named on
	the	Specifications page. The Certificate Holder and any joint
	Certificate	Holder may exercise all the rights under the Certificate
	Holder's	Account, subject to the rights of:
	(a)	Any assignee under an assignment filed at our Home Office; and
	(b)	Any irrevocably named Beneficiary.
	Upon	the death of a Certificate Holder prior to the Annuity Date, a
	spousal	Beneficiary may elect to continue the Certificate Holder's
	Account	in his or her own name and retain all ownership rights and
	privileges	or take distribution of the death benefit as defined in
	Section	10.
3.03	Transfer of Ownership - The Group Contract Holder may transfer
	ownership	of this Contract. A written request, dated and signed, must
	be	filed at our Home Office.

Any transfer of ownership terminates the interest of any existing
Group Contract Holder. It does not change the rights of any
Certificate Holder.

10

<PAGE>

A Certificate Holder may transfer all of his or her rights under the Contract. A written request, dated and signed by the Certificate Holder and any joint Certificate Holder, must be filed at our Home Office. After the transfer is recorded, it will take effect as of the date the request was signed. Any such transfer terminates the interest of any existing Certificate Holder. It does not change the Beneficiary, nor transfer the Beneficiary's interest. A transfer will not affect any payments We may make or actions We may take before such transfer has been recorded at our Home Office.

Section 4. Beneficiary Provisions

• -------------------------------------------------------------------------------

• Beneficiary - The Certificate Holder may name a Beneficiary and a

contingent Beneficiary. At the death of the Certificate Holder prior
to the Annuity Date, the Beneficiary(ies) named in our records will
receive a death benefit as stated in Section 10. Upon the death of
either joint Certificate Holder prior to the Annuity Date, the
surviving joint Certificate Holder, if any, will be treated as the
designated Beneficiary and any other Beneficiary designation on
record with Us at the time of death is treated as a contingent

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Beneficiary.

4.02	Change of Beneficiary - The Certificate Holder may change the Beneficiary. A written request, dated and signed by the Certificate Holder, must be filed at our Home Office. If there are joint Certificate Holders, both must sign the request. After the change is recorded, it will take effect as of the date the request was signed.
	If the request reaches our Home Office and is recorded after the Certificate Holder dies, but before any payment is made, the change is valid.
4.03	Death of Beneficiary - If all of the Beneficiaries and contingent Beneficiaries die prior to the Certificate Holder's death, We pay the death benefit in one sum to the Certificate Holder's estate.

Section 5. Purchase Payments

• -------------------------------------------------------------------------------

• Purchase Payments - Subject to the maximum and minimum shown on the

Contract Schedule, the Certificate Holder may determine the amount
and frequency of Purchase Payments. We reserve the right not to
accept any Purchase Payment. We will declare from time to time the
acceptability of additional Purchase Payments.

5.02	Allocation of Purchase Payments - The Certificate Holder may elect to
	have	each Net Purchase Payment accumulate:
	(a)	On a variable basis invested in shares of one or more Funds in which the Separate Account invests;
	(b)	For guaranteed terms offered in the current deposit period(s) under the AG Account; or
	(c)	In a combination of any of the available investment options.

Net Purchase Payments must be allocated in whole percentages. For
subsequent Purchase Payments, if no allocation instructions are
received with the Purchase Payment, the allocation will be as
indicated in the most recent directive from the Certificate Holder.
If the same guaranteed term(s) are not available, the next shortest
will be used. If no shorter guaranteed term is available, the next
longer guaranteed term will be used.

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Section 6. Separate Account

• -------------------------------------------------------------------------------

• General - The assets of the Separate Account, equal to the reserves

and other Contract liabilities that depend on the investment performance of the Separate Account are not chargeable with liabilities arising out of any other business We may conduct. Income, gains or losses of the Separate Account, realized or unrealized, are credited to or charged against the assets of the Separate Account without regard to Our other income, gains or losses.

6.02	Investment Allocations to the Separate Account - The assets of the Separate Account are segregated by Fund. If the shares of any Fund are no longer available for investment by the Separate Account or if in our judgment, further investment in such shares should become inappropriate in view of the purpose of the Contract, We may cease to make such Fund shares available for investment under the Contract prospectively, or We may substitute shares of another Fund for shares already acquired. We may also, from time to time, add additional Funds. Any elimination, substitution or addition of Funds will be done in accordance with applicable state and federal securities laws.
	We reserve the right to substitute shares of another Fund for shares already acquired without a proxy vote.
6.03	Valuation of Assets - The shares of the Funds will be valued at their net asset value at the end of each Valuation Period.
6.04	Accumulation Unit - A Net Purchase Payment that is allocated to one or more Funds is credited to the Certificate Holder's Account as Accumulation Units. The number of Accumulation Units credited is determined by dividing the applicable portion of the Net Purchase Payment by the Accumulation Unit value for the appropriate Fund. The Accumulation Unit value used is that which is computed for the next Valuation Period after which the Purchase Payment is received at our Home Office. Accumulation Units attributable to the initial Purchase Payments will be credited within two business days of acceptance.
	Accumulation Unit values may increase or decrease from Valuation
Period	to Valuation Period.
6.05	Net Return Factor for Each Valuation Period - The value of an
Accumulation	Unit for any Valuation Period is calculated by
multiplying	the Accumulation Unit value for the immediately preceding
Valuation	Period by the net return factor of the appropriate Fund for
the	current period.
The	net return factor for each Fund is equal to 1.0000000 plus the
net	return rate.

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The net return rate equals:

(a)	The value of the shares of the Fund held by the Separate Account at the end of a Valuation Period; minus
(b)	The value of the shares of the Fund held by the Separate Account at the start of the Valuation Period; plus or minus
(c)	Taxes (or reserves for taxes) on the Separate Account (if any); divided by
(d)	The total value of the Funds(s) Accumulation Units and Fund(s) Annuity Units of the Separate Account at the start of the Valuation Period; minus
(e)	A daily actuarial charge as shown on the Contract Schedule for Annuity mortality and expense risks and profit and a daily administrative charge.

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The net return rate may be more or less than zero (0) percent.

The value of a share of the Fund is equal to the net assets of the
Fund divided by the number of shares outstanding.

6.06	Administrative Charge - We deduct an administrative charge equal, on an annual basis, to the amount shown on the Contract Schedule.
6.07	Mortality Risk Charge - We deduct a mortality risk charge equal, on an annual basis, to the amount shown on the Contract Schedule.
6.08	Expense Risk Charge - We deduct an expense risk charge equal, on an annual basis, to the amount shown on the Contract Schedule.
6.09	Mortality and Expense Guarantee - We guarantee that the dollar amount of each Annuity payment after the first will not be affected by variations in mortality or expense experience.

Section 7. AG Account

• -------------------------------------------------------------------------------

• AG Account Guaranteed Interest Rate - All amounts allocated to the AG

Account earn a rate of interest that is guaranteed for a specified
period of time. The rate will be credited daily and will never be
less than the minimum guaranteed interest rate shown on the Contract
Schedule. We determine the rate and it is not based on investment
experience.

For guaranteed terms of one year or less, one guaranteed interest rate is credited for the full guaranteed term. For longer guaranteed terms, an initial guaranteed interest rate is credited from the date of deposit to the end of a specified period within the guaranteed term. There may be different guaranteed interest rate(s) declared for subsequent specified time intervals throughout the guaranteed term.

7.02	Deposit Period - A calendar week, a calendar month, a calendar quarter, or any other period of time We specify during which Net Purchase Payment(s), transfers and reinvestments are accepted into the AG Account for one or more guaranteed terms. We reserve the right to extend the deposit period.
7.03	Guaranteed Term - The period of time for which AG Account guaranteed interest rates are guaranteed on Net Purchase Payments. Transfers and reinvestments are made into a current deposit period for the AG
	Account. Such period begins on the day following the close of the deposit period and ends on the designated Maturity Date. Guaranteed terms, if any, are offered at our discretion for various lengths of time ranging up to and including ten years.
	During a deposit period, We may make available any number of guaranteed terms. The Certificate Holder may allocate Net Purchase Payments and transfers into any or all of the available guaranteed terms.
7.04	Guaranteed Term(s) Groups - All AG Account guaranteed term(s) with the same length of time from the close of the deposit period until the designated Maturity Date.

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7.05	Maturity Date - The last day of a guaranteed term.
7.06	Allocation of Net Purchase Payments to the AG Account - When the Certificate Holder wishes to allocate all or any portion of a Net Purchase Payment to the Guaranteed Account, he or she must tell Us the percentage to apply to one or more of the AG Account guaranteed term(s) available during the current deposit period. If no allocation instructions are received, a Net Purchase Payment is allocated as indicated in the most recent directive from the Certificate Holder.
	If the same guaranteed term is not available for any amount allocated to the AG Account, We will allocate the amount to the next shortest guaranteed term available. If no shorter guaranteed term is available, We will allocate it to the next longest guaranteed term.

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7.07	AG Account Guaranteed Term Maturity Date and Maturity Value - On the
	maturity	date, the value of the total of all amounts allocated to
	that	guaranteed term is called the maturity value.
	When	Certificate Holders have assets in the AG Account, at least
	eighteen	(18) days before a maturity date, We notify them of the:
	(a)	Projected maturity value; and
	(b)	Guaranteed terms and the applicable guaranteed interest rates available during the current deposit period.
	When	no allocation instructions are received and the assets in a
	guaranteed	term have been reinvested by Us in another guaranteed term
	on	the maturity date, the Certificate Holder may transfer or
	withdraw,	during the month following the maturity date, the
	reinvested	amount with interest earned (as of the date the request is
	received	at our Home Office) without incurring a Market Value
	Adjustment.	This transaction is allowed only once for each maturity
	date,	regardless of whether the transfer or withdrawal is partial or
	full.
7.08	Transfers from the AG Account - A Certificate Holder may transfer any
	portion,	or all, of an amount in the AG Account to one or more of the
	Funds	or to another available guaranteed term. The amount withdrawn
	for	any reason before the maturity date is subject to a Market Value
	Adjustment.
7.09	Withdrawals from the AG Account - When the Certificate Holder
	requests	a withdrawal from the AG Account, if instructions are not
	provided	by the Certificate Holder, amounts are withdrawn on a pro
	rata	basis from the guaranteed term(s) groups in which the
	Certificate	Holder's Account is currently invested. Within a
	guaranteed	term group, the amount to be withdrawn will be withdrawn
	first	from the oldest deposit period. Except on the maturity date,
	withdrawals	from the AG Account will be subject to a Market Value
	Adjustment.
7.10	Reinvestment - We will mail a notice to the Certificate Holder before
	a	guaranteed term's maturity date. This notice will contain the
	guaranteed	terms available during the current deposit periods with
	their	guaranteed interest rate(s) and projected maturity value. If no
	specific	direction is given by the Certificate Holder prior to the
	maturity	date, each maturity value will be reinvested in the current
	deposit	period for a guaranteed term of the same duration. If a
	guaranteed	term of the same duration is unavailable, each matured
	term	value will automatically be reinvested in the current deposit
	period	for the next shortest guaranteed term available. If no shorter
	guaranteed	term is available, the next longer guaranteed term will be
	used.	We will mail a confirmation statement to

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the Certificate Holder after the maturity date. This notice will state the guaranteed term and guaranteed interest rate(s) which will apply to the reinvested matured term value.

7.11

AG Account Market Value Adjustment (Factor) - The Market Value Adjustment factor (MVA factor) reflects any change in interest rates from the time assets are allocated to the AG Account to the time they are transferred or withdrawn. An MVA factor is applied to any amount withdrawn or transferred from the AG Account before the end of a guaranteed term, including amounts paid in a lump sum death benefit or applied to an Annuity Option.

The amount withdrawn from the AG Account is multiplied by the MVA factor which is calculated as follows:

x
---
365

(1 + i)
------------------
x
---
365

(1 + j)

Where:

i	is the Deposit Period Yield
j	is the Current Yield
x	is the number of days remaining, (computed from Wednesday of the week of withdrawal) in the guaranteed Term.

Determination of MVA factor parameters:

A yield is computed at the close of the last business day of each
week of the deposit period. The yield will equal the average of the
yields on U.S. Treasury Notes which matured during the last three

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months of the applicable guaranteed term.

The deposit period yield is the average of those yields for the
deposit period. If withdrawal is made prior to the close of the
deposit period, it is the average of those yields on each week
preceding withdrawal.

The current yield is the average of the yields on the last business
day of the week preceding withdrawal on the same U.S. Treasury Notes
included in the deposit period yield.

If no U.S. Treasury Notes matured during the last three months of the guaranteed term, We reserve the right to use the average of the yields on U.S. Treasury Notes that mature during a following quarter.

Section 8. Certificate Holder's Account Value; Transfers and Withdrawals During the Accumulation Period

• --------------------------------------------------------------------------------

• Certificate Holder's Account Value - The value of a Certificate

Holder's Account is determined by adding the value of the total of Accumulation Units attributed to the selected Fund(s) to the value of any amounts attributed to the AG Account.

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8.02	Transfers During the Accumulation Period - Before the Annuity Date,
	the	Certificate Holder may transfer from any Fund or guaranteed term
	of	the AG Account to:
	(a)	Any other Fund; or
	(b)	Any guaranteed term of the AG Account available in the current deposit period.
	Transfer	requests can be submitted as a percentage or as a dollar
	amount.	We may establish a minimum transfer amount. Within a
	guaranteed	term group, the amount transferred is withdrawn first from
	the	oldest deposit period, then from the next oldest, and so on until
	the	amount requested is satisfied.
	The	Certificate Holder may make an unlimited number of transfers
	during	the Accumulation Period. The number of free transfers allowed
	is	shown on the Contract Schedule. Transfers in excess of that number
	may	be subject to the transfer charge shown on the Contract Schedule.
	Transfers	of a matured term value from the AG Account on or within
	one	calendar month after a guaranteed term's maturity date do not
	count	against the annual transfer limit.
	Amounts	applied to guaranteed terms of the AG Account may not be
	transferred	to the Funds or to another guaranteed term during the
	deposit	period or for 90 days after the close of the deposit period
	except	for matured term value(s) during the calendar month following
	the	guaranteed term's maturity date.
	Transfers	from guaranteed terms of the AG Account are subject to a
	Market	Value Adjustment.
8.03	Withdrawals During the Accumulation Period - The Certificate Holder
	may	withdraw all or a portion of the Certificate Holder's Account
	Value	during the Accumulation Period by properly completing a
	withdrawal	request form. Withdrawal requests can be submitted as a
	percentage	or as a specific dollar amount. Net Purchase Payment
	amounts	are withdrawn first, and then the excess value, if any. For
	any	partial withdrawal, if instructions are not provided by the
	Certificate	Holder, amounts are withdrawn on a pro rata basis from
	the	Fund(s), and/or the guaranteed term(s) groups in which the
	Certificate	Holder's Account is currently invested. Within a
	guaranteed	term group, the amount to be withdrawn will be withdrawn
	first	from the oldest deposit period, then from the next oldest, and
	so	on until the amount requested is satisfied.
	After	deduction of the maintenance charge, if applicable, the
	withdrawn	amount shall be reduced by the applicable deferred sales
	charge	and any applicable premium taxes.
8.04	Deferred Sales Charge - The deferred sales charge only applies to the
	portion	of the amount withdrawn attributable to Net Purchase
	Payment(s)	and varies according to the elapsed time since receipt of
	the	Purchase Payment. The deferred sales charge is shown on the
	Contract	Schedule.
8.05	Waiver of Deferred Sales Charge - No deferred sales charge is
	deducted	when a Certificate Holder's Account Value is paid:
	(a)	To a Beneficiary as a death benefit, except for Purchase Payments made by a surviving joint Certificate Holder as described in Section 10.02(b);
	(b)	As a premium for an Annuity Option;

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(c)	At least the number of months, as shown on the Contract Schedule, after the date of the first Purchase Payment and in an amount equal to or less than the percentage of the Certificate Holder's Account Value as shown on the Contract Schedule. This applies to the first withdrawal request, partial or full, in a calendar year. The Certificate Holder's Account Value is calculated as of the date the withdrawal request is received in good order at our Home Office. This waiver is not available to the Certificate Holder while a SWO is in effect;
(d)	For a full withdrawal where the Certificate Holder's Account Value does not exceed the amount shown on the Contract Schedule and no withdrawals have been taken from the Certificate Holder's Account within the prior 12 months;
(e)	For a distribution made by Us under Section 8.06; or
(f)	For a distribution which is part of a SWO under Section 8.07.

We reserve the right to allow the proceeds of a total withdrawal to
be reinstated under the terms and conditions as established by Us
from time to time.

8.06	Payment of Adjusted Certificate Holder Account Value - Upon 90 day's
	written	notice to the Certificate Holder, We will terminate any
	Certificate	Holder's Account if the Certificate Holder's Account
	Value	becomes less than $1,500 immediately following any partial
	withdrawal.	We do not intend to exercise this right in cases where
	the	Certificate Holder's Account Value is reduced to $1,500 or less
	solely	due to investment performance. When We make a distribution
	pursuant	to this provision, the deferred sales charge will not be
	deducted.
8.07	Systematic Withdrawal Option (SWO) - We will allow the Certificate
	Holder	to establish a schedule of withdrawals to be made
	automatically	from the Certificate Holder's Account Value. All
	distributed	amounts will be withdrawn on a pro rata basis from the
	Fund(s)	and/or the guaranteed term(s) groups of the AG Account in
	which	the Certificate Holder's Account is invested.
	The	Certificate Holder must elect one of the following SWO methods:
	(a)	Specified Payment: Payments of a designated dollar amount. The annual amount may not be greater than the percentage of the Certificate Holder's Account Value at time of the election as shown on the Contract Schedule. This annual dollar amount will remain constant. At our discretion, We may require a minimum payment amount; or
	(b)	Specified Period: Payments which are made over a period of time which must be at least the minimum period as shown on the Contract Schedule. The annual amount paid each year is calculated by dividing the Certificate Holder's Account Value as of December 31 of the prior year by the number of payment years remaining; or
	(c)	Specified Percentage: Payment of a designated percentage which cannot be greater than the percentage of the Certificate Holder's Account Value at the time of election as shown on the Contract Schedule. The percentage may be changed by written request. We reserve the right to limit the number of times the percentage may be changed. The annual amount is calculated by multiplying the Certificate Holder's Account Value as of December 31 of the year prior to the payment by the designated percentage.

In our discretion, We may require a minimum initial Certificate
Holder's Account Value for election of this option. SWO may be
elected by submitting a completed and signed election form to Us.

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Once elected, this option may be revoked by submitting a written request to Us. SWO may be elected only once by the Certificate Holder or by a spousal Beneficiary.

Certificate Holders should consult their tax adviser prior to requesting this distribution option. We are not responsible for any adverse tax consequences due to a Certificate Holder's receiving SWO payments. A ten (10) percent penalty tax may apply to distributions to a Certificate Holder who has not reached age 59-1/2. Upon death of the Certificate Holder, any payments will be made under the terms of Section 10.

Section 9. Maintenance Charge

• --------------------------------------------------------------------------------

• Maintenance Charge - We will deduct an annual maintenance charge as

shown in the Contract Schedule from the Certificate Holder's Account during the Accumulation Period. We will deduct the maintenance charge on the anniversary of the Effective Date of the Certificate for the Certificate Holder's Account. This maintenance charge is also deducted upon withdrawal of the entire Adjusted Certificate Holder's Account. The maintenance charge is deducted proportionately from each investment option used.

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Section 10. Proceeds Payable on Death

• --------------------------------------------------------------------------------

• Death of the Certificate Holder Prior to the Annuity Date In the

event of the death of the Certificate Holder or a joint Certificate Holder prior to the Annuity Date, a death benefit is payable to the Beneficiary(ies) designated by the Certificate Holder. Upon the death of a joint Certificate Holder, the surviving joint Certificate Holder, if any, will be treated as the designated Beneficiary. Any other Beneficiary designation on record with Us at the time of death will be treated as a contingent Beneficiary.

A Beneficiary may request We pay the death benefit under one of the
options described in Section 10.03. If the Beneficiary is the spouse
of the Certificate Holder, he or she may elect to continue the
Certificate Holder's Account in his or her own name and exercise all
the Certificate Holder's rights under the Contract.

10.02	Death Benefit Amount Prior to the Annuity Date -
	(a)	Except as set forth in Section 10.02(b), the amount of the
		guaranteed	death benefit value is equal to the greater of:
		(i)	The Certificate Holder's Account Value at the end of the Valuation Period during which We receive at our Home Office due proof of death and election of the type of payment to be made; or
		(ii)	The death benefit determined as of the Valuation Period corresponding to the date of death.

Until the first Effective Date anniversary, the death
benefit is equal to the Purchase Payments made by the
Certificate Holder prior to the Effective Date
anniversary less any withdrawals and any amounts applied
to an Annuity Option.

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For each Certificate year thereafter, the death benefit
during the Certificate year equals the death benefit at
the beginning of the Certificate year plus Purchase
Payments made during the year less any withdrawals and
any amounts applied to an Annuity Option.

On each Effective Date anniversary, the death benefit is
determined as follows:

(A)	The death benefit on the previous Effective Date anniversary increased by the death benefit factor shown on the Contract Schedule; plus
(B)	Purchase Payments made by the Certificate Holder during the Certificate year increased by the death benefit factor shown on the Contract Schedule for the portion of the year since the Purchase Payment was made; less
(C)	Any withdrawals or amounts applied to an Annuity Option during the Certificate year increased by the death benefit factor shown on the Contract Schedule for the portion of the Certificate year since the withdrawal or election of Annuity option; or

(iii)      The Certificate Holder's Account Value on the most recent seventh year anniversary of the Effective Date plus any Purchase Payments made after such Effective Date anniversary less any withdrawals and any amounts applied to an Annuity Option.

Notwithstanding the foregoing, the death benefit under (ii) or
(iii) will not exceed the death benefit maximum amount shown on
the Contract Schedule.

The death benefit calculation described in (ii) and (iii) above,
applies until the Certificate Holder reaches the death benefit
maximum age shown on the Contract Schedule. Thereafter, the
death benefit is only adjusted for Purchase Payments,
withdrawals and amounts applied to Annuity Options. If the
Certificate Holder reaches the death benefit maximum age shown
on the Contract Schedule prior to the seventh anniversary of the
Effective Date, the death benefit will be the greater of (i) or
(ii) above.

The excess, if any, of the guaranteed death benefit value over
the Certificate Holder's Account Value is determined when we
receive at our Home Office due proof of death and allocated to
the Fund shown on the Contract Schedule. The Certificate
Holder's Account Value plus any excess amount deposited becomes
the Certificate Holder's Account Value.

(b)      In the case of a Beneficiary of a surviving joint Certificate Holder who continued the Certificate Holder's Account in his or

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her own name, the death benefit shall be equal to (a)(i) above
less any applicable deferred sales charge on any Purchase
Payment made after We have received at our Home Office due proof
of death of the first joint Certificate Holder.

10.03	Death Benefit Payment Methods - A non-spousal Beneficiary must elect the death benefit to be paid under one of the following methods in the event of the death of the Certificate Holder prior to the Annuity Date:
	Method 1 - Lump sum payment of the death benefit; or

Method 2 - The payment of the entire death benefit within (5) years
of the date of the Certificate Holder's death; or

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Method 3 - Payment of the death benefit over the lifetime of the designated Beneficiary or over a period not extending beyond the life expectancy of the designated Beneficiary with distribution beginning within one year of the date of death of the Certificate Holder.

Any portion of the death benefit not applied under Option 3 within
one year of the date of Certificate Holder's death, must be
distributed within five (5) years of the date of death. A Market
Value Adjustment will apply at the time the death benefit is paid.

A spousal Beneficiary may elect to continue the Certificate Holder's
Account in his or her name, elect a lump sum payment of the death
benefit or apply the Adjusted Certificate Holder's Account Value to
an Annuity Option.

10.04

Death of Certificate Holder On or After the Annuity Date - If the Certificate Holder who is not the Annuitant, dies on or after the Annuity Date, the remaining payments under the Annuity Option elected will be made to the Beneficiary at least as rapidly as under the method of distribution in effect at the Certificate Holder's death.

10.05

Death of the Annuitant - If the Annuitant, who is not a Certificate Holder, dies on or before the Annuity Date, a new Annuitant may be named. If no Annuitant is named, the Certificate Holder will be the Annuitant. If the Annuitant dies after the Annuity Date, the death benefit, if any, will be payable to the Beneficiary as specified in the Annuity Option elected. We will require proof of the Annuitant's death. Death benefits will be paid at least as rapidly as under the method of distribution in effect at the Annuitant's death.

Section 11. Delay of Payments

• --------------------------------------------------------------------------------

• Delay of Payments - We will make any payments under this Contract

within seven days after a request is received in good order. We reserve the right to suspend or postpone any type of payment from the Separate Account for any period when:

(a)	The New York Stock Exchange is closed for other than customary weekend and holiday closings;
(b)	Trading on the Exchange is restricted;
(c)	An emergency exists as a result of which it is not reasonably practicable to dispose of securities held in the Separate Account or determine their value; or
(d)	The Securities and Exchange Commission so permits delay for the protection of security holders.

The applicable rules of the Securities and Exchange Commission will
govern as to whether the conditions in (b) or (c) exist.

We also reserve the right to delay any type of payment from the AG
Account for up to six (6) months.

Section 12. Annuity Provisions

- --------------------------------------------------------------------------------

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12.01	Designation of Annuitant - The Certificate Holder and the Annuitant need not be the same person. The Certificate Holder names the Annuitant and during the Accumulation Period, may change the designated Annuitant. We change the Annuitant when We receive a written request in good order at our Home Office. We will not change the Annuitant when Annuity payments have commenced.
	The Certificate Holder elects an Annuity Option by telling Us to use all or any portion of the Certificate Holder's Adjusted Account Value (minus any applicable premium taxes if not previously deducted) to purchase Annuity payments under an Annuity Option.
	When an Annuity Option is chosen the Certificate Holder must designate a:

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(a)	Fixed Annuity using the General Account;
(b)	Variable Annuity using any of the Funds available during the Annuity Period; or
(c)	Combination of (a) and (b).

If a fixed Annuity is chosen, We will calculate the amount using an
interest assumption no less than the percentage specified on the
Contract Schedule. We may calculate the amount using a higher
interest rate.

If a variable Annuity is chosen, an Assumed Annual Net Return Rate of 5% may be chosen. If not chosen, We will use an Assumed Annual Net Return Rate of 3.5%.

Payments are made on a monthly basis to the Certificate Holder unless the Certificate Holder requests a different mode of payment.

Once elected, an Annuity Option may not be revoked, except for Option 1 when elected on a variable basis.

12.02	Terms of Annuity Options - The minimum first payment amount must be at least $50 per month and at least $250 per year.
	If the Certificate Holder elects a fixed Annuity and We determine that the Certificate Holder would receive larger payments by applying the Certificate Holder's Account Value, reduced by the deferred sales charge, to a single premium immediate Annuity currently offered by Us, We will make the larger payments.

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We determine the first payment of a variable Annuity, or the payment amount of a fixed Annuity, using the Annuitant's (and second Annuitant's if applicable) adjusted age which We calculate as follows:

(a)	If Annuity payments begin any time between July 1, 1992 and
	December	31, 1999, the adjusted age is the Annuitant's age as of
	the	birthday closest in time to the Annuity Date reduced by one
	(1)	year.
(b)	If the Annuity begins any time between January 1, 2000 and
	December	31, 2009, the adjusted age is the Annuitant's age as of
	the	birthday closest in time to the Annuity Date reduced by two
	(2)	years.
(c)	For each succeeding decade, the adjusted age is the Annuitant's
	age	as determined in (b), reduced by one additional year.

The Annuity rates for Options 2 and 3 are based on mortality from
1983 Table A.

Assumed Annual Net Return Rate is the interest rate used to determine the amount of the first Annuity payment under a variable Annuity. The Separate Account must earn this rate plus enough to cover the mortality and expense risks charges (which may include profit) and administrative charges if future variable Annuity payments are to remain level.

The Certificate Holder must give written notice to Us at least 30
days before the Annuity payments begin, electing or changing:

(a)	The date on which Annuity payments are to begin;
(b)	The Annuity Option;
(c)	Whether the payments are to be made monthly, quarterly, semiannually or annually;
(d)	The investment options used to provide Annuity payments.

The first Annuity payment may not be earlier than one (1) calendar
year after the initial Purchase Payment, nor later than the later of
the:

(a)	First day of the month following the Annuitant's birthday shown on the Contract Schedule; or
(b)	Tenth anniversary of the last Purchase Payment. In lieu of the election of an Annuity, the Certificate Holder may request a lump sum payment.

12.03	Annuity Unit - The number of Annuity Units per Fund is based on the
	amount	of the first variable Annuity payment which is equal to:
	(a)	The portion of the Certificate Holder's Account Value (minus any premium taxes) applied to pay a variable Annuity; divided by,
	(b)	1000; multiplied by,
	(c)	The payment rate for the Annuity Option chosen.

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Such amount, or portion, of the variable Annuity payment will be divided by the Annuity Unit value for the appropriate Fund on the tenth Valuation Period before the due date of the first payment to determine the number of each Fund's Annuity Units. The number of each

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Fund's Annuity Unit remains fixed. Each future payment is equal to
the sum of the products of each Fund's Annuity Unit value multiplied
by the appropriate number of units. The Fund's Annuity Unit value on
the tenth Valuation Period prior to the due date of the payment is
used.

12.04	Annuity Unit Value - For any Valuation Period, a Fund's Annuity Unit
	value	is equal to:
	(a)	The value for the previous Valuation Period; multiplied by,
	(b)	The Annuity Net Return Factor for the Valuation Period; multiplied by,
	(c)	A daily factor to reflect the Assumed Annual Net Return Rate (the factor for 3.5% per year is .9999058; for 5% per year it is .9998663).
	The	dollar value of a Fund(s) Annuity Unit values and payments may go
	up	or down due to investment gain or loss.
12.05	Annuity Net Return Factor - The Annuity net return factor is used to
	compute	all Separate Account Annuity payments for any Fund.
	The	Annuity net return factor(s) for each Fund is equal to 1.0000000
	plus	the net return rate. The net return rate is equal to:
	(a)	The value of the shares of the Fund held by the Separate Account at the end of a Valuation Period; minus,
	(b)	The value of the shares of the Fund held by the Separate Account at the start of the Valuation Period; plus or minus,
	(c)	Taxes (or reserves for taxes) on the Separate Account (if any); divided by
	(d)	The total value of the Fund(s) Accumulation Units and Fund(s) Annuity Units of the Separate Account at the start of the Valuation Period; minus,
	(e)	A daily actuarial charge as shown of the Contract Schedule for Annuity mortality and expense risks and profit and a daily administrative charge which will not exceed the administrative charge as shown on the Contract Schedule.
	The	net return rate may be more or less than zero (o) percent.
	The	value of a share of the Fund is equal to the net assets of the
	Fund	divided by the number of shares outstanding.
12.06	Annuity Options
	Option	1 - Payments for a Stated Period of Time - An Annuity will be
	paid	for the number of years chosen. The number of years must be at
	least	5 and not more than 30.

If payments for this Annuity Option are made under a variable Annuity, the present value of any remaining payments may be withdrawn at any time.

23

<PAGE>

Option 2 - Life Income - An Annuity will be paid for the life of the Annuitant. If also chosen, We will guarantee payments for 60, 120, 180, or 240 months.

Option 3 - Life Income Based upon the Lives of Two Annuitants - An
Annuity will be paid during the lives of the Annuitant and a second
Annuitant. Payments will continue until both Annuitants have died.
When this Annuity Option is chosen, a choice must be made of:

(a)	100% of the payment to continue after the first death;
(b)	66-2/3% of the payment to continue after the first death;
(c)	50% of the payment to continue after the first death;
(d)	Payments for a minimum of 120 months with 100% of the payment to continue after the first death; or
(e)	100% of the payment to continue at the death of the second Annuitant and 50% of the payment to continue at the death of the Annuitant.

We may make other options available as allowed by law.

24

<PAGE>

OPTION 1

Payments for a Stated Period of Time

Amount of First Monthly Payment for Each $1,000 After Deduction of any Charge for Premium Taxes

Rates for a Fixed Annuity with Guaranteed Interest Rate of 3.0%

- -------------------------------------------------------------------------------

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Page 16 of 23

	Guaranteed	Monthly	Quarterly	Semi-Annual	Annual
Years	Rate	Payment	Payment	Payment	Payment

- -------------------------------------------------------------------------------

5	3.00%	17.91	53.59	106.78	211.99
6	3.00%	15.14	45.30	90.27	179.22
7	3.00%	13.16	39.39	78.49	155.83
8	3.00%	11.68	34.96	69.66	138.31
9	3.00%	10.53	31.52	62.81	124.69
10	3.00%	9.61	28.77	57.33	113.82
11	3.00%	8.86	26.52	52.85	104.93
12	3.00%	8.24	24.65	49.13	97.54
13	3.00%	7.71	23.08	45.98	91.29
14	3.00%	7.26	21.73	43.29	85.95
15	3.00%	6.87	20.56	40.96	81.33
16	3.00%	6.53	19.54	38.93	77.29
17	3.00%	6.23	18.64	37.14	73.74
18	3.00%	5.96	17.84	35.56	70.59
19	3.00%	5.73	17.13	34.14	67.78
20	3.00%	5.51	16.50	32.87	65.26
21	3.00%	5.32	15.92	31.72	62.98
22	3.00%	5.15	15.40	30.68	60.92
23	3.00%	4.99	14.92	29.74	59.04
24	3.00%	4.84	14.49	28.88	57.33
25	3.00%	4.71	14.09	28.08	55.76
26	3.00%	4.59	13.73	27.36	54.31
27	3.00%	4.47	13.39	26.68	52.97
28	3.00%	4.37	13.08	26.06	51.74
29	3.00%	4.27	12.79	25.49	50.60
30	3.00%	4.18	12.52	24.95	49.53

- -------------------------------------------------------------------------------

25

<PAGE>

OPTION 2

Life Income

Amount of First Monthly Payment for Each $1,000
After Deduction of any Charge for Premium Taxes

Rates for a Fixed Annuity with Guaranteed Interest Rate of 3.0%

Payments Guaranteed for a Stated Period of Months

<TABLE> <CAPTION>

- ---------------------------------------------------------------------------------------------------------------------------------

Adjusted	None		60		120			180		240
Age of	----------------------------------------------------------------------------------------------------------------------
Annuitant	Male	Female	Male	Female	Male	Female	Male	Female	Male	Female

- ---------------------------------------------------------------------------------------------------------------------------------

<S>	<C>	<C>	<C>	<C>	<C>	<C>	<C>	<C>	<C>	<C>
50	$ 4.27	$ 3.90	$ 4.26	$ 3.90	$ 4.22	$ 3.89	$ 4.17	$ 3.86	$ 4.08	$ 3.82
51	4.34	3.97	4.33	3.96	4.30	3.95	4.23	3.92	4.14	3.88
52	4.43	4.03	4.41	4.03	4.37	4.01	4.30	3.98	4.20	3.93
53	4.51	4.10	4.50	4.10	4.45	4.08	4.37	4.04	4.26	3.99
54	4.60	4.18	4.59	4.17	4.54	4.15	4.45	4.11	4.32	4.04
55	4.70	4.25	4.68	4.25	4.62	4.22	4.53	4.18	4.39	4.11
56	4.80	4.34	4.78	4.33	4.72	4.30	4.61	4.25	4.45	4.17
57	4.91	4.42	4.89	4.41	4.82	4.38	4.69	4.32	4.51	4.23
58	5.03	4.52	5.00	4.51	4.92	4.47	4.78	4.40	4.58	4.30
59	5.15	4.61	5.12	4.60	5.03	4.56	4.87	4.48	4.65	4.37
60	5.28	4.72	5.25	4.70	5.14	4.66	4.96	4.57	4.71	4.44
61	5.43	4.83	5.39	4.81	5.27	4.76	5.06	4.66	4.78	4.51
62	5.58	4.95	5.53	4.93	5.39	4.87	5.16	4.75	4.84	4.58
63	5.74	5.08	5.69	5.05	5.53	4.99	5.26	4.85	4.90	4.65
64	5.91	5.21	5.85	5.18	5.66	5.10	5.36	4.95	4.96	4.72
65	6.10	5.36	6.03	5.32	5.81	5.22	5.46	5.05	5.02	4.79
66	6.30	5.51	6.21	5.47	5.96	5.36	5.56	5.16	5.08	4.86
67	6.51	5.67	6.41	5.63	6.12	5.50	5.66	5.26	5.13	4.93
68	6.73	5.85	6.62	5.80	6.28	5.65	5.77	5.37	5.18	5.00
69	6.97	6.04	6.84	5.98	6.44	5.80	5.86	5.49	5.23	5.06
70	7.23	6.25	7.07	6.18	6.61	5.97	5.96	5.60	5.27	5.12
71	7.51	6.47	7.32	6.39	6.79	6.14	6.05	5.71	5.31	5.18
72	7.80	6.71	7.58	6.62	6.96	6.32	6.14	5.83	5.34	5.23
73	8.12	6.98	7.85	6.86	7.14	6.50	6.23	5.94	5.37	5.28
74	8.46	7.26	8.14	7.12	7.32	6.69	6.31	6.04	5.40	5.32
75	8.82	7.57	8.45	7.40	7.50	6.89	6.38	6.14	5.42	5.35

- ---------------------------------------------------------------------------------------------------------------------------------

</TABLE>

Rates are based on mortality from 1983 Table a.

Rates for ages not shown will be provided on request and will be computed on a basis consistent with the rates in the above tables.

26

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Page 17 of 23

<PAGE>

OPTION 3

Life Income for Two Payees

Amount of First Monthly Payment for Each $1,000 After Deduction of any Charge for Premium Taxes

(Annuitant is Male and Second Annuitant is Female)

Rates for a Fixed Annuity with Guaranteed Interest Rate of 3.0%

<TABLE> <CAPTION>

- -----------------------------------------------------------------------------------------------------Adjusted Ages - ----------------------------Second Annuitant Annuitant Option 3a Option 3b Option 3c Option 3d Option 3e - -----------------------------------------------------------------------------------------------------

<S>		<C>	<C>	<C>	<C>	<C>	<C>
	55	50	$ 3.69	$ 4.05	$ 4.27	$ 3.69	$ 4.13
	55	55	3.88	4.25	4.47	3.87	4.25
	55	60	3.06	4.47	4.71	4.06	4.36
	60	55	3.99	4.44	4.71	3.98	4.55
	60	60	4.24	4.71	4.99	4.23	4.70
	60	65	4.49	5.01	5.32	4.48	4.85
	65	60	4.38	4.97	5.32	4.38	5.10
	65	65	4.72	5.33	5.70	4.71	5.32
	65	70	5.07	5.75	6.17	5.05	5.54
	70	65	4.93	5.68	6.15	4.91	5.86
	70	70	5.40	6.21	6.70	5.36	6.18
	70	75	5.89	6.82	7.40	5.81	6.49
	75	70	5.69	6.68	7.32	5.62	6.92
	75	75	6.37	7.45	8.15	6.23	7.40
	75	80	7.07	8.34	9.16	6.78	7.85

- -----------------------------------------------------------------------------------------------------

</TABLE>

Rates are based on mortality from 1983 Table a.

The rates assume the Annuitant is Male and the Second Annuitant is Female. Rates for ages not shown will be provided on request and will be computed on a basis consistent with the rates in the above tables.

27

<PAGE>

OPTION 3

Life Income for Two Payees

Amount of First Monthly Payment for Each $1,000
After Deduction of any Charge for Premium Taxes

(Annuitant is Female and Second Annuitant is Male)

Rates for a Fixed Annuity with Guaranteed Interest Rate of 3.0%

<TABLE>
<CAPTION>
- ------------------------------------------------------------------------------------------------------
Adjusted Ages
- ---------------------------
	Second
Annuitant	Annuitant	Option 3a	Option 3b	Option 3c	Option 3d	Option 3e
- ------------------------------------------------------------------------------------------------------
<S>	<C>	<C>	<C>	<C>	<C>	<C>
55	50	$ 3.75	$ 4.07	$ 4.26	$ 3.75	$ 3.98
55	55	3.88	4.25	4.47	3.87	4.06
55	60	3.99	4.44	4.71	3.98	4.12
60	55	4.06	4.47	4.71	4.06	4.37
60	60	4.24	4.71	4.99	4.23	4.47
60	65	4.38	4.97	5.32	4.38	4.54
65	60	4.49	5.01	5.32	4.48	4.89
65	65	4.72	5.33	5.70	4.71	5.02
65	70	4.93	5.68	6.15	4.91	5.14
70	65	5.07	5.75	6.17	5.05	5.60
70	70	5.40	6.21	6.70	5.36	5.79
70	75	5.69	6.68	7.32	5.62	5.96
75	70	5.89	6.83	7.40	5.81	6.63
75	75	6.37	7.45	8.15	6.23	6.92
75	80	6.78	8.11	8.99	6.54	7.15

- ------------------------------------------------------------------------------------------------------
</TABLE>
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Page 18 of 23

Rates are based on mortality from 1983 Table a.

The rates assume the Annuitant is Female and the Second Annuitant is Male. Rates for ages not shown will be provided on request and will be computed on a basis consistent with the rates in the above tables.

28

<PAGE>

OPTION 1

Payments for a Stated Period of Time

Amount of First Monthly Payment for Each $1,000 After Deduction of any Charge for Premium Taxes

Rates for a Variable Annuity with Assumed Net Return Rate of 3.5%

- -------------------------------------------------------------------------------

	Guaranteed	Monthly	Quarterly	Semi-Annual	Annual
Years	Rate	Payment	Payment	Payment	Payment

- -------------------------------------------------------------------------------

5	3.50%	18.12	54.19	107.92	213.99
6	3.50%	15.35	45.92	91.44	181.32
7	3.50%	13.38	40.01	79.69	158.01
8	3.50%	11.90	35.59	70.88	140.56
9	3.50%	10.75	32.16	64.05	127.00
10	3.50%	9.83	29.42	58.59	116.18
11	3.50%	9.09	27.18	54.13	107.34
12	3.50%	8.46	25.32	50.42	99.98
13	3.50%	7.94	23.75	47.29	93.78
14	3.50%	7.49	22.40	44.62	88.47
15	3.50%	7.10	21.24	42.31	83.89
16	3.50%	6.76	20.23	40.29	79.89
17	3.50%	6.47	19.34	38.51	76.37
18	3.50%	6.20	18.55	36.94	73.25
19	3.50%	5.97	17.85	35.54	70.47
20	3.50%	5.75	17.22	34.28	67.98
21	3.50%	5.56	16.65	33.15	65.74
22	3.50%	5.39	16.13	32.13	63.70
23	3.50%	5.24	15.66	31.19	61.85
24	3.50%	5.09	15.24	30.34	60.17
25	3.50%	4.96	14.85	29.56	58.62
26	3.50%	4.84	14.49	28.85	57.20
27	3.50%	4.73	14.15	28.19	55.90
28	3.50%	4.63	13.85	27.58	54.69
29	3.50%	4.53	13.57	27.02	53.57
30	3.50%	4.45	13.30	26.49	52.53

- -------------------------------------------------------------------------------

29

<PAGE>

OPTION 1

Payments for a Stated Period of Time

Amount of First Monthly Payment for Each $1,000
After Deduction of any Charge for Premium Taxes

Rates for a Variable Annuity with Assumed Net Return Rate of 5.0%

- -------------------------------------------------------------------------------
	Guaranteed	Monthly	Quarterly	Semi-Annual	Annual
Years	Rate	Payment	Payment	Payment	Payment
- -------------------------------------------------------------------------------
5	5.00%	18.74	56.00	111.33	219.98
6	5.00%	15.99	47.77	94.96	187.64
7	5.00%	14.02	41.90	83.30	164.59
8	5.00%	12.56	37.52	74.58	147.35
9	5.00%	11.42	34.11	67.81	133.99
10	5.00%	10.51	31.40	62.42	123.34
11	5.00%	9.77	29.19	58.03	114.66
12	5.00%	9.16	27.36	54.38	107.45
13	5.00%	8.64	25.81	51.31	101.39
14	5.00%	8.20	24.50	48.69	96.21
15	5.00%	7.82	23.36	46.44	91.75
16	5.00%	7.49	22.37	44.47	87.88
17	5.00%	7.20	21.51	42.75	84.48
18	5.00%	6.94	20.74	41.23	81.47
19	5.00%	6.71	20.06	39.88	78.80
20	5.00%	6.51	19.46	38.68	76.42
21	5.00%	6.33	18.91	37.59	74.28
22	5.00%	6.17	18.42	36.62	72.35
23	5.00%	6.02	17.98	35.73	70.61
24	5.00%	5.88	17.57	34.93	69.02
25	5.00%	5.76	17.20	34.20	67.57
26	5.00%	5.65	16.87	33.53	66.25
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27	5.00%	5.54	16.56	32.92	65.04
28	5.00%	5.45	16.28	32.35	63.93
29	5.00%	5.36	16.01	31.83	62.90
30	5.00%	5.28	15.77	31.35	61.95

- -------------------------------------------------------------------------------

30

<PAGE>

OPTION 2

Life Income

Amount of First Monthly Payment for Each $1,000
After Deduction of any Charge for Premium Taxes

Rates for a Variable Annuity with Assumed Net Return Rate of 3.5%

Payments Guaranteed for a Stated Period of Months

-------------------------------------------------

<TABLE>

<CAPTION>

- ---------------------------------------------------------------------------------------------------------------------------------

Adjusted	None		60		120			180		240
Age of	----------------------------------------------------------------------------------------------------------------------
Annuitant	Male	Female	Male	Female	Male	Female	Male	Female	Male	Female

- ---------------------------------------------------------------------------------------------------------------------------------

<S>	<C>	<C>	<C>	<C>	<C>	<C>	<C>	<C>	<C>	<C>
50	$ 4.56	$ 4.20	$ 4.55	$ 4.19	$ 4.51	$ 4.18	$ 4.45	$ 4.15	$ 4.36	$ 4.11
51	4.64	4.26	4.62	4.25	4.58	4.24	4.51	4.21	4.42	4.16
52	4.72	4.32	4.70	4.32	4.66	4.30	4.58	4.26	4.48	4.21
53	4.80	4.39	4.79	4.38	4.74	4.36	4.65	4.32	4.53	4.27
54	4.89	4.46	4.87	4.46	4.82	4.43	4.73	4.39	4.59	4.32
55	4.99	4.54	4.97	4.53	4.91	4.50	4.80	4.46	4.65	4.38
56	5.09	4.62	5.07	4.61	5.00	4.58	4.88	4.53	4.72	4.44
57	5.20	4.71	5.17	4.70	5.10	4.66	4.96	4.60	4.78	4.50
58	5.32	4.80	5.29	4.79	5.20	4.75	5.05	4.68	4.84	4.57
59	5.44	4.90	5.41	4.88	5.31	4.84	5.14	4.76	4.91	4.63
60	5.57	5.00	5.53	4.99	5.42	4.93	5.23	4.84	4.97	4.70
61	5.71	5.11	5.67	5.09	5.54	5.03	5.32	4.93	5.03	4.77
62	5.86	5.23	5.81	5.21	5.66	5.14	5.42	5.02	5.09	4.84
63	6.02	5.36	5.97	5.33	5.79	5.25	5.51	5.11	5.16	4.91
64	6.20	5.49	6.13	5.46	5.93	5.37	5.61	5.21	5.21	4.98
65	6.38	5.64	6.31	5.60	6.07	5.49	5.71	5.31	5.27	5.05
66	6.58	5.79	6.49	5.75	6.22	5.63	5.81	5.41	5.32	5.12
67	6.79	5.95	6.69	5.91	6.38	5.76	5.91	5.52	5.38	5.18
68	7.02	6.13	6.89	6.08	6.53	5.91	6.01	5.63	5.42	5.25
69	7.26	6.32	7.11	6.26	6.70	6.06	6.11	5.74	5.47	5.31
70	7.52	6.53	7.35	6.45	6.86	6.23	6.20	5.85	5.51	5.37
71	7.80	6.75	7.59	6.66	7.03	6.39	6.29	5.96	5.54	5.42
72	8.09	6.99	7.85	6.89	7.21	6.57	6.38	6.07	5.57	5.47
73	8.41	7.26	8.12	7.13	7.38	6.75	6.46	6.17	5.60	5.51
74	8.75	7.54	8.41	7.39	7.55	6.94	6.53	6.28	5.63	5.55
75	9.12	7.85	8.71	7.66	7.73	7.13	6.61	6.38	5.65	5.59

- ---------------------------------------------------------------------------------------------------------------------------------

</TABLE>

Rates are based on mortality from 1983 Table a.

Rates for ages not shown will be provided on request and will be computed on a basis consistent with the rates in the above tables.

31

<PAGE>

OPTION 2

Life Income

Amount of First Monthly Payment for Each $1,000
After Deduction of any Charge for Premium Taxes

Rates for a Variable Annuity with Assumed Net Return Rate of 5.0%

Payments Guaranteed for a Stated Period of Months

-------------------------------------------------

<TABLE>

<CAPTION>

- ---------------------------------------------------------------------------------------------------------------------------------

Adjusted	None		60		120			180		240
Age of	----------------------------------------------------------------------------------------------------------------------
Annuitant	Male	Female	Male	Female	Male	Female	Male	Female	Male	Female

- ---------------------------------------------------------------------------------------------------------------------------------

<S>	<C>	<C>	<C>	<C>	<C>	<C>	<C>	<C>	<C>	<C>
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										Page 20 of 23
50	$ 5.48	$ 5.12	$ 5.46	$ 5.11	$ 5.41	$ 5.09	$ 5.34	$ 5.06	$ 5.24	$ 5.01
51	5.55	5.17	5.53	5.17	5.48	5.14	5.40	5.11	5.29	5.05
52	5.63	5.23	5.61	5.23	5.55	5.20	5.46	5.16	5.34	5.10
53	5.71	5.30	5.69	5.29	5.62	5.26	5.53	5.22	5.40	5.15
54	5.80	5.37	5.77	5.36	5.70	5.33	5.60	5.27	5.45	5.20
55	5.89	5.44	5.86	5.43	5.79	5.39	5.67	5.34	5.51	5.25
56	5.99	5.52	5.96	5.51	5.87	5.47	5.74	5.40	5.56	5.31
57	6.10	5.60	6.06	5.59	5.97	5.54	5.82	5.47	5.62	5.37
58	6.21	5.69	6.17	5.67	6.06	5.62	5.90	5.54	5.68	5.42
59	6.33	5.79	6.29	5.77	6.17	5.71	5.98	5.61	5.74	5.48
60	6.46	5.89	6.41	5.87	6.28	5.80	6.06	5.69	5.79	5.55
61	6.60	6.00	6.55	6.97	6.39	5.90	6.15	5.77	5.85	5.61
62	6.75	6.11	6.69	6.08	6.51	6.00	6.24	5.86	5.91	5.67
63	6.91	6.23	6.84	6.20	6.64	6.10	6.33	5.95	5.96	5.73
64	7.09	6.37	7.00	6.33	6.77	6.22	6.42	6.04	6.02	5.80
65	7.27	6.51	7.18	6.46	6.91	6.34	6.52	6.13	6.07	5.86
66	7.47	6.66	7.36	6.61	7.05	6.46	6.61	6.23	6.12	5.92
67	7.68	6.82	7.55	6.76	7.20	6.60	6.70	6.33	6.16	5.99
68	7.91	7.00	7.76	6.93	7.35	6.74	6.80	6.43	6.21	6.04
69	8.15	7.19	7.98	7.11	7.51	6.89	6.89	6.54	6.25	6.10
70	8.41	7.39	8.21	7.30	7.67	7.04	6.97	6.64	6.28	6.15
71	8.69	7.62	8.45	7.51	7.83	7.21	7.06	6.74	6.32	6.20
72	8.99	7.86	8.70	7.73	8.00	7.38	7.14	6.85	6.35	6.25
73	9.31	8.12	8.97	7.97	8.16	7.55	7.21	6.95	6.37	6.29
74	9.65	8.41	9.26	8.23	8.33	7.73	7.29	7.04	6.39	6.33
75	10.02	8.72	9.55	8.50	8.50	7.92	7.35	7.14	6.41	6.36

- ---------------------------------------------------------------------------------------------------------------------------------</TABLE>

Rates are based on mortality from 1983 Table a.

Rates for ages not shown will be provided on request and will be computed on a basis consistent with the rates in the above tables.

32

<PAGE>

OPTION 3

Life Income for Two Payees

Amount of First Monthly Payment for Each $1,000
After Deduction of any Charge for Premium Taxes

(Annuitant is Male and Second Annuitant is Female)

Rates for a Variable Annuity with Assumed Net Return Rate of 3.5%

<TABLE>

<CAPTION>

- -----------------------------------------------------------------------------------------------------

Adjusted Ages

- ---------------------------Second

     Annuitant Annuitant Option 3a Option 3b Option 3c Option 3d Option 3e - -----------------------------------------------------------------------------------------------------

<S>		<C>	<C>	<C>	<C>	<C>	<C>
	55	50	$ 3.97	$ 4.35	$ 4.56	$ 3.97	$ 4.42
	55	55	4.16	4.54	4.76	4.15	4.54
	55	60	4.34	4.76	5.00	4.34	4.64
	60	55	4.27	4.73	5.00	4.26	4.83
	60	60	4.51	4.99	5.27	4.50	4.98
	60	65	4.76	5.29	5.60	4.75	5.13
	65	60	4.66	5.25	5.61	4.65	5.39
	65	65	4.99	5.61	5.99	4.98	5.60
	65	70	5.34	6.03	6.46	5.31	5.81
	70	65	5.19	5.97	6.44	5.17	6.14
	70	70	5.67	6.49	6.99	5.62	6.47
	70	75	6.16	7.10	7.68	6.07	6.77
	75	70	5.95	6.96	7.61	5.87	7.20
	75	75	6.64	7.73	8.43	6.48	7.68
	75	80	7.33	8.62	9.45	7.02	8.13

- -----------------------------------------------------------------------------------------------------

</TABLE>

Rates are based on mortality from 1983 Table a.

The rates assume the Annuitant is Male and the Second Annuitant is Female. Rates for ages not shown will be provided on request and will be computed on a basis consistent with the rates in the above tables.

33

<PAGE>

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OPTION 3

Life Income for Two Payees

Amount of First Monthly Payment for Each $1,000 After Deduction of any Charge for Premium Taxes

(Annuitant is Female and Second Annuitant is Male)

Rates for a Variable Annuity with Assumed Net Return Rate of 3.5%

<TABLE> <CAPTION>

- -------------------------------------------------------------------------------------------------------Adjusted Ages - --------------------------Second Annuitant Annuitant Option 3a Option 3b Option 3c Option 3d Option 3e - -------------------------------------------------------------------------------------------------------

<S>		<C>	<C>	<C>	<C>	<C>	<C>
	55	50	$ 4.03	$ 4.36	$ 4.55	$ 4.03	$ 4.41
	55	55	4.16	4.54	4.76	4.15	4.54
	55	60	4.27	4.73	5.00	4.26	4.83
	60	55	4.34	4.76	5.00	4.34	4.64
	60	60	4.51	4.99	5.27	4.50	4.98
	60	65	4.66	5.25	5.61	4.65	5.39
	65	60	4.76	5.29	5.60	4.75	5.13
	65	65	4.99	5.61	5.99	4.98	5.60
	65	70	5.19	5.97	6.44	5.17	6.14
	70	65	5.34	6.03	6.46	5.31	5.81
	70	70	5.67	6.49	6.99	5.62	6.47
	70	75	5.95	6.96	7.61	5.87	7.20
	75	70	6.16	7.10	7.68	6.07	6.77
	75	75	6.64	7.73	8.43	6.48	7.68
	75	80	7.04	8.39	9.29	6.79	8.70

- -------------------------------------------------------------------------------------------------------

</TABLE>

Rates are based on mortality from 1983 Table a.

The rates assume the Annuitant is Female and the Second Annuitant is Male. Rates for ages not shown will be provided on request and will be computed on a basis consistent with the rates in the above tables.

34

<PAGE>

OPTION 3

Life Income for Two Payees

Amount of First Monthly Payment for Each $1,000
After Deduction of any Charge for Premium Taxes

(Annuitant is Male and Second Annuitant is Female)

Rates for a Variable Annuity with Assumed Net Return Rate of 5.0%

<TABLE>
<CAPTION>
- -------------------------------------------------------------------------------------------------------
Adjusted Ages
- --------------------------
	Second
Annuitant	Annuitant	Option 3a	Option 3b	Option 3c	Option 3d	Option 3e
- -------------------------------------------------------------------------------------------------------
<S>	<C>	<C>	<C>	<C>	<C>	<C>
55	50	$ 4.88	$ 5.26	$ 5.48	$ 4.88	$ 5.34
55	55	5.04	5.44	5.66	5.04	5.43
55	60	5.21	5.65	5.89	5.21	5.53
60	55	5.15	5.63	5.91	5.14	5.73
60	60	5.37	5.87	6.16	5.37	5.86
60	65	5.61	6.16	6.49	5.60	6.01
65	60	5.52	6.14	6.51	5.51	6.28
65	65	5.83	6.49	6.87	5.82	6.47
65	70	6.17	6.90	7.33	6.13	6.67
70	65	6.04	6.84	7.34	6.00	7.03
70	70	6.49	7.35	7.87	6.44	7.33
70	75	6.97	7.96	8.56	6.87	7.62
75	70	6.77	7.84	8.51	6.68	8.08
75	75	7.45	8.60	9.33	7.27	8.55
75	80	8.14	9.49	10.35	7.80	8.98
- -------------------------------------------------------------------------------------------------------
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</TABLE>

Rates are based on mortality from 1983 Table a.

The rates assume the Annuitant is Male and the Second Annuitant is Female. Rates for ages not shown will be provided on request and will be computed on a basis consistent with the rates in the above tables.

35

<PAGE>

OPTION 3

Life Income for Two Payees

Amount of First Monthly Payment for Each $1,000 After Deduction of any Charge for Premium Taxes

(Annuitant is Female and the Second Annuitant is Male)

Rates for a Variable Annuity with Assumed Net Return Rate of 5.0%

<TABLE> <CAPTION>

- -------------------------------------------------------------------------------------------------------Adjusted Ages - --------------------------Second Annuitant Annuitant Option 3a Option 3b Option 3c Option 3d Option 3e - -------------------------------------------------------------------------------------------------------

<S>		<C>	<C>	<C>	<C>	<C>	<C>
	55	50	$ 4.93	$ 5.27	$ 5.46	$ 4.93	$ 5.19
	55	55	5.04	5.44	5.66	5.04	5.43
	55	60	5.15	5.63	5.91	5.14	5.73
	60	55	5.21	5.65	5.89	5.21	5.53
	60	60	5.37	5.87	6.16	5.37	5.86
	60	65	5.52	6.14	6.51	5.51	6.28
	65	60	5.61	6.16	6.49	5.60	6.01
	65	65	5.83	6.49	6.87	5.82	6.47
	65	70	6.04	6.84	7.34	6.00	7.03
	70	65	6.17	6.90	7.33	6.13	6.67
	70	70	6.49	7.35	7.87	6.44	7.33
	70	75	6.77	7.84	8.51	6.68	8.08
	75	70	6.97	7.96	8.56	6.87	7.62
	75	75	7.45	8.60	9.33	7.27	8.55
	75	80	7.86	9.28	10.20	7.57	9.59

- -------------------------------------------------------------------------------------------------------</TABLE>

Rates are based on mortality from 1983 Table a.

The rates assume the Annuitant is Female and the Second Annuitant is Male. Rates for ages not shown will be provided on request and will be computed on a basis consistent with the rates in the above tables.

36

<PAGE>

- -------------------------------------------------------------------------------

Aetna Insurance Company of America
Home Office: 151 Farmington Avenue
Hartford, Connecticut 06156
(800) 531-4547

Group Variable, Fixed, or Combination Annuity Contract
Nonparticipating

- -------------------------------------------------------------------------------

ALL PAYMENTS AND VALUES PROVIDED BY THE GROUP CONTRACT, WHEN BASED ON INVESTMENT EXPERIENCE OF A SEPARATE ACCOUNT, ARE VARIABLE AND ARE NOT GUARANTEED AS TO FIXED DOLLAR AMOUNT. THIS CONTRACT CONTAINS A MARKET VALUE ADJUSTMENT FORMULA. APPLICATION OF A MARKET VALUE ADJUSTMENT MAY RESULT IN EITHER AN INCREASE OR DECREASE IN THE CURRENT VALUE. THE MARKET VALUE ADJUSTMENT FORMULA DOES NOT

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APPLY TO A GUARANTEED TERM AT THE TIME OF ITS MATURITY.

G-CDA-GP2(4/94)

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EX-16

Exhibit 16(4)(f)
	Aetna Insurance Company of America
	Home Office: 151 Farmington Avenue
	Hartford, Connecticut 06156
	(800) 531-4547
Individual Variable, Fixed or Combination Annuity Contract (Nonparticipating)
Aetna Insurance Company of America (We or Us) agrees to pay benefits according
to the terms and conditions set forth in this Contract.
Specifications
- --------------------------------------------------------------------------------
Plan
- --------------------------------------------------------------------------------
Type of Plan
- --------------------------------------------------------------------------------
Contract Holder
- --------------------------------------------------------------------------------
Annuitant
- --------------------------------------------------------------------------------
Contract Number
- --------------------------------------------------------------------------------
Effective Date
This Contract is delivered in		and is subject to
the laws and regulations of that state.
THE VARIABLE FEATURES OF THE CONTRACT ARE DESCRIBED IN SECTIONS 6 AND 12.
Right to Cancel
- --------------------------------------------------------------------------------
The Contract Holder may cancel this Contract within ten (10) days of receiving
it by returning it to Us at the address above or to the person from whom it was
purchased. Within seven (7) days of the cancellation request, We will return the
Contract Holder's Purchase Payment(s) made plus any increase, or minus any
decrease on the amount allocated to the Separate Account.
Signed at the Home Office on the Effective Date.
/s/ Dan Kearney		/s/ Susan E. Schechter
President		Secretary
ALL PAYMENTS AND VALUES PROVIDED BY THE CONTRACT, WHEN BASED ON INVESTMENT
EXPERIENCE OF A SEPARATE ACCOUNT, ARE VARIABLE AND ARE NOT GUARANTEED AS TO
FIXED DOLLAR AMOUNT. THIS CONTRACT CONTAINS A MARKET VALUE ADJUSTMENT FORMULA.
APPLICATION OF A MARKET VALUE ADJUSTMENT MAY RESULT IN EITHER AN INCREASE OR
DECREASE IN THE CURRENT VALUE. THE MARKET VALUE ADJUSTMENT FORMULA DOES NOT
APPLY TO A GUARANTEED TERM AT THE TIME OF ITS MATURITY.
I-CDA-GP2(4/94)
<PAGE>
Table of Contents
			Page
Right to Cancel			1
Contract Schedule			4
Separate Account			4
AICA Guaranteed Account (AG Account)			4
Separate Account and AG Account			4
Fixed Annuity			6
Section 1.	Definitions		7
Section 2.	General Provisions		8
The Contract			8
Nonparticipating Contract			8
Misstatements and Adjustments			8
Reports			9
Premium Taxes			9
Protection of Proceeds			9
Evidence of Survival			9
Proof of Age			9
Change of Contract			9
Section 3.	Ownership		9
Contract Holder Rights			9
Transfer of Ownership			10
Section 4.	Beneficiary Provisions		10
Beneficiary			10
Change of Beneficiary			10
Death of Beneficiary			10
Section 5.	Purchase Payments		10
Purchase Payments			10
Allocation of Purchase Payments			10
Section 6.	Separate Account		10
General			11
Investment Allocations to the Separate Account			11
Valuation of Assets			11
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			Page 2 of 21
Accumulation Unit		11
Net Return Factor for Each Valuation Period		11
Administrative Charge		12
Mortality Risk Charge		12
Expense Risk Charge		12
Mortality and Expense Guarantee		12
Section 7. AG Account		12
AG Account Guaranteed Interest Rate		12
Deposit Period		12
Guaranteed Term		12
	2
<PAGE>
Guaranteed Term(s) Groups		12
Maturity Date		12
Allocation of Net Purchase Payments to the AG Account		13
AG Account Guaranteed Term Maturity Date and Maturity Value		13
Transfers from the AG Account		13
Withdrawals from the AG Account		13
Reinvestment		13
AG Account Market Value Adjustment (Factor)		14
Section 8. Contract Value; Transfers and Withdrawals During the
Accumulation Period Contract Value		14
Transfers During the Accumulation Period		14
Withdrawals During the Accumulation Period		15
Deferred Sales Charge		15
Waiver of Deferred Sales Charge		15
Payment of Adjusted Contract Value		16
Systematic Withdrawal Option (SWO)		16
Section 9. Maintenance Charge		17
Maintenance Charge		17
Section 10. Proceeds Payable on Death		17
Death of the Contract Holder Prior to the Annuity Date		17
Death Benefit Amount Prior to the Annuity Date		17
Death Benefit Payment Methods		18
Death of Contract Holder On or After the Annuity Date		19
Death of the Annuitant		19
Section 11. Delay of Payments		19
Delay of Payments		19
Section 12. Annuity Provisions		19
Designation of Annuitant		19
Terms of Annuity Options		20
Annuity Unit		21
Annuity Unit Value		21
Annuity Net Return Factor		21
Annuity Options		22
	3
<PAGE>
Contract Schedule
Separate Account
- --------------------------------------------------------------------------------
Separate Account:	Variable Account I
Charges to the	A daily charge is deducted from the assets of the
Separate Account:	Separate Account. The deduction is the daily
	equivalent of the annual effective percentage
	shown below:
	(a) During the Accumulation Period:
	Administrative Charge	0.15%
	Mortality Risk Charge	0.35%
	Expense Risk Charge	0.90%
	TOTAL Separate Account Charges During
	Accumulation Period	1.40%
	(b) During the Annuity Period
	Administrative Charge Not To Exceed	0.25%
	Mortality Risk Charge	0.35%
	Expense Risk Charge	0.90%
	TOTAL Maximum Separate Account Charges
	During Annuity Period	1.50%
AICA Guaranteed Account (AG Account)
- --------------------------------------------------------------------------------
Minimum Guaranteed	3.0%
Interest Rate
(effective annual rate
of return):
Separate Account and AG Account
- --------------------------------------------------------------------------------
Minimum Initial	$1,500
Purchase Payment:
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Minimum Subsequent	$500 or $50 per month if paid by an automatic
Purchase Payment:	check plan
Maximum Subsequent	$500,000 without Home Office approval
Purchase Payment:
4
<PAGE>
Transfers:	We allow an unlimited number of transfers during
	the Accumulation Period. Twelve (12) transfers in
	any calendar year are free. Thereafter, We reserve
	the right to charge a transfer charge up to $10
	for each subsequent transfer.
Maintenance Charge:	The annual maintenance charge is $30. If the
	Contract Value is $50,000 or more on the date the
	maintenance charge is to be deducted, the
	maintenance charge is $0.
Deferred Sales Charge:	For each withdrawal from the Contract, a deferred
	sales charge for Charge: each Net Purchase Payment
	will be determined as follows:
	Years from Receipt of	Deferred
	Net Purchase Payment	Sales Charge
	0-1	7%
	1-2	6%
	2-3	5%
	3-4	4%
	4-5	3%
	5-6	2%
	6-7	1%
	7+	0%
Waiver of Deferred	Section 8.05 provides for the following:
Sales Charge:
	(c) At least 12 months after the date of the
	first Purchase Payment in an amount equal
	to or less than 15% of the Contract
	Value.
	(d) For a full withdrawal where the Contract
	Value does not exceed $2,500 and no
	withdrawals have been taken from the
	Contract within the prior 12 months.
Systematic	(a) Specified Payment - Maximum Percentage: 10%
Withdrawal Option:
	(b) Specified Period - Minimum Period: 10 years
	(c) Specified Percentage - Maximum Percentage: 10%
Death Benefit Factor:	4%
Death Benefit	There is no maximum death benefit amount.
Maximum Amount:
5
<PAGE>
Death Benefit	85 years
Maximum Age:
Fund for Allocation	Federated Prime Money Fund
of Excess Guaranteed
Death Benefit Value:
Latest Annuity Date:	The Contract Holder's 90th birthday.

Fixed Annuity

- --------------------------------------------------------------------------------

Minimum Guaranteed	3.0%
Interest Rate
(effective annual rate
of return):

6

<PAGE>

Section 1. Definitions

• --------------------------------------------------------------------------------

• Accumulation Period - The period during which one or more Net Purchase

Payments applied to the Contract accumulate to provide future Annuity payments.

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1.02	Accumulation Unit - A measure of the net investment results for each variable investment option during the Accumulation Period. The Accumulation Units for the applicable Funds are used to calculate the portion of the Contract Value attributable to a Separate Account during the Accumulation Period.
1.03	Adjusted Contract Value - The Contract Value, plus or minus any aggregate AG Account Market Value Adjustment.
1.04	Annuitant - The natural person on whose life an Annuity payment is based.
1.05	Annuity - A series of payments We make for life, a definite period or a combination of the two.
1.06	Annuity Date - The date on which Annuity payments commence.
1.07	Annuity Options - Annuity payment methods available during the Annuity Period.
1.08	Annuity Period - The period of time during which Annuity payments are made.
1.09	Annuity Unit - A measure of the net investment results for each variable investment option during the Annuity Period. Annuity Units are used to calculate the amount of each variable Annuity payment.
1.10	Beneficiary - The person(s) entitled to receive any death benefit under the Contract. Upon the death of a joint Contract Holder, the surviving joint Contract Holder, if any, is treated as the Beneficiary. Any other Beneficiary designation on record with Us at the time of death is treated as a contingent Beneficiary.
1.11	Contract Holder - The person who purchases this Contract. We reserve the right to limit ownership to natural persons. If more than one Contract Holder owns the Contract, each Contract Holder shall be a joint Contract Holder. Any joint Contract Holder must be the spouse of the other joint Contract Holder. Joint Contract Holders have joint ownership rights and both must authorize any exercising of those ownership rights unless otherwise allowed by Us.
1.12	Contract Value - The dollar value as of any Valuation Period of all
amounts	accumulated in the Contract.
1.13	Contract - This agreement between the Contract Holder and Us.
1.14	Effective Date - The date the Contract is issued to the Contract
Holder.
1.15	Fund - One of the variable investment options which may be selected by
the	Contract Holder.

7

<PAGE>

1.16	General Account - The General Account is made up of all of our general assets other than those allocated to the separate accounts.
1.17	AICA Guaranteed Account (AG Account) - An investment option where We guarantee specified rate(s) of interest for specified periods of time.
	The AG Account is a separate account established by Us in accordance with the provisions of the Connecticut General Statutes Section 38a-433. The Contract Holder does not participate in the investment gain or loss from the assets held in the AG Account. Assets in the AG Account may be charged with liabilities arising out of any other business We may conduct.
1.18	Home Office - Our headquarters, located at 151 Farmington Avenue, Hartford, CT 06156.
1.19	Market Value Adjustment - An adjustment to any withdrawal made from the AG Account before the end of a guaranteed term as stated in Section 7.11.
1.20	Net Purchase Payment - The Purchase Payment less premium taxes, if applicable.
1.21	Purchase Payment - The gross payment accepted by Us and allocated to the Contract. We reserve the right to refuse to accept any Purchase Payment at any time for any reason.
1.22	Separate Account - A separate account that buys and holds shares of the Fund(s). Income, gains or losses, realized or unrealized, are credited or charged to the Separate Account without regard to Our other income, gains or losses. We own the assets held in the Separate Account and are not a trustee as to such amounts. The Separate Account generally is not guaranteed and is held at market value. The name of the Separate Account is shown on the Contract Schedule. The assets of the Separate Account, to the extent of reserves and other Contract liabilities of
the	Separate Account, will not be charged with Our other liabilities.
1.23	Valuation Period - The period of time for which a Fund determines its
net	asset value, usually from 4:15 p.m. Eastern time each day the New

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York Stock Exchange is open until 4:15 p.m. the next such business day, or such other day that one or more of the Funds determines its net asset value. The assets of the Separate Account are not chargeable with the liabilities arising out of any other business We may conduct.

1.24      Variable Annuity Contract - An Annuity Contract providing for the accumulation of value and/or for Annuity payments which vary in amount based on investment results.

Section 2. General Provisions

• --------------------------------------------------------------------------------

• The Contract - The entire Contract consists of this Contract and any

attached applications or endorsements.

2.02	Nonparticipating Contract - Neither the Contract Holder nor any Beneficiary have a right to share in our earnings.
2.03	Misstatements and Adjustments - If We learn that the age of any Annuitant or second Annuitant is misstated, the correct age will be used to adjust payments. We reserve the right to request

8

<PAGE>

reimbursement or adjust future payments for any amount overpaid. We will pay the amount of any underpayment.

2.04	Reports - We furnish the Contract Holder with a report showing the
	Contract	Value at least once each calendar year. We also furnish an
	annual	report of the Separate Account.
2.05	Premium Taxes - Any premium taxes paid to any governmental entity are
	charged	against Purchase Payments or the Contract Value. We may, at our
	sole	discretion, pay premium taxes when due and deduct that amount from
	the	Contract at a later date. Payment at an earlier date does not waive
	any	right We may have to deduct amounts at a later date.
2.06	Protection of Proceeds - To the extent permitted by law, all payments
	under	this Contract to the Contract Holder or Beneficiary shall be free
	from	legal process and the claim of any creditor.
2.07	Evidence of Survival - The Company may require satisfactory evidence of
	the	continued survival of any person(s) on whose life Annuity payments
	are	based.
2.08	Proof of Age - The Company may require evidence of age of any Annuitant
	under	Annuity Options 2 and 3 and of the designated second Annuitant
	under	Annuity Option 3.
2.09	Change of Contract - We reserve the right to change the Contract, but
	only	if a change is necessary to:
	(a)	Make the Contract or the Separate Account comply with state or federal laws or regulations; or
	(b)	Assure the continued qualified status of the Contract under the Code or other federal laws or regulations governing annuity contracts; or
	(c)	Reflect a change in the operation of the Separate Account or the Funds; or
	(d)	Provide additional funds; or
	(e)	Withdraw Funds
	We	will notify the Contract Holder in writing 30 days before any change
	becomes	effective. When appropriate, We will endorse the Contract for
	the	change.

Section 3. Ownership

• --------------------------------------------------------------------------------

• Contract Holder Rights - The Contract Holder has all interest and right

to amounts held in his or her Contract. The Contract Holder and any
joint Contract Holder are named on the Specifications page. The
Contract Holder and any joint Contract Holder may exercise all the
rights under the Contract, subject to the rights of:

(a)	Any assignee under an assignment filed at our Home Office; and
(b)	Any irrevocably named Beneficiary.

Upon the death of a Contract Holder prior to the Annuity Date, a
spousal Beneficiary may elect to continue the Contract in his or her
own name and retain all ownership rights and privileges or take
distribution of the death benefit as defined in Section 10.

9

<PAGE>

3.02      Transfer of Ownership - The Contract Holder may transfer all of his or her rights under the Contract. A written request, dated and signed by the Contract Holder and any joint Contract Holder, must be filed at our Home Office. After the transfer is recorded, it will take effect as of

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the date the request was signed. Any such transfer terminates the interest of the existing Contract Holder. It does not change the Beneficiary, nor transfer the Beneficiary's interest. A transfer will not affect any payments We may make or actions We may take before such transfer has been recorded at our Home Office.

Section 4. Beneficiary Provisions

• --------------------------------------------------------------------------------

• Beneficiary - The Contract Holder may name a Beneficiary and a

contingent Beneficiary. At the death of the Contract Holder prior to the Annuity Date, the Beneficiary(ies) named in our records will receive a death benefit as stated in Section 10. Upon the death of a joint Contract Holder prior to the Annuity Date, the surviving joint Contract Holder, if any, will be treated as the designated Beneficiary and any other Beneficiary designation on record with Us at the time of death is treated as a contingent Beneficiary.

4.02

Change of Beneficiary - The Contract Holder may change the Beneficiary. A written request, dated and signed by the Contract Holder, must be filed at our Home Office. If there are joint Contract Holders, both must sign the request. After the change is recorded, it will take effect as of the date the request was signed. If the request reaches our Home Office and is recorded after the Contract Holder dies, but before any payment is made, the change is valid.

4.03

Death of Beneficiary - If all of the Beneficiaries and contingent Beneficiaries die prior to the Contract Holder's death, We pay the death benefit in one sum to the Contract Holder's estate.

Section 5. Purchase Payments

• --------------------------------------------------------------------------------

• Purchase Payments - Subject to the maximum and minimum shown on the

Contract Schedule, the Contract Holder may determine the amount and frequency of Purchase Payments. We reserve the right not to accept any Purchase Payment. We will declare from time to time the acceptability of additional Purchase Payments.

5.02	Allocation of Purchase Payments - The Contract Holder may elect to have
	each	Net Purchase Payment accumulate:
	(a)	On a variable basis invested in shares of one or more Funds in which the Separate Account invests;
	(b)	For guaranteed terms offered in the current deposit period(s) under the AG Account; or
	(c)	In a combination of any of the available investment options.
	Net	Purchase Payments must be allocated in whole percentages. For
	subsequent	Purchase Payments, if no allocation instructions are
	received	with the Purchase Payment, the allocation will be as indicated
	in	the most recent directive from the Contract Holder. If the same
	guaranteed	term(s) are not available, the next shortest will be used.
	If	no shorter guaranteed term is available, the next longer guaranteed
	term	will be used.

Section 6. Separate Account

- --------------------------------------------------------------------------------

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6.01	General - The assets of the Separate Account, equal to the reserves and other Contract liabilities that depend on the investment performance of the Separate Account are not chargeable with liabilities arising out of any other business We may conduct. Income, gains or losses of the Separate Account, realized or unrealized, are credited to or charged against the assets of the Separate Account without regard to Our other income, gains or losses.
6.02	Investment Allocations to the Separate Account - The assets of the Separate Account are segregated by Fund. If the shares of any Fund are no longer available for investment by the Separate Account or if in our judgment, further investment in such shares should become inappropriate in view of the purpose of the Contract, We may cease to make such Fund shares available for investment under the Contract prospectively, or We may substitute shares of another Fund for shares already acquired. We may also, from time to time, add additional Funds. Any elimination, substitution or addition of Funds will be done in accordance with applicable state and federal securities laws. We reserve the right to substitute shares of another Fund for shares already acquired without a proxy vote.
6.03	Valuation of Assets - The shares of the Funds will be valued at their net asset value at the end of each Valuation Period.
6.04	Accumulation Unit - A Net Purchase Payment that is allocated to one or more Funds is credited to the Contract as Accumulation Units. The number of Accumulation Units credited is determined by dividing the applicable portion of the Net Purchase Payment by the Accumulation Unit
value	for the appropriate Fund. The Accumulation Unit value used is
that	which is computed for the next Valuation Period after which the
Purchase	Payment is received at our Home Office. Accumulation Units
attributable	to the initial Purchase Payments will be credited within
two	business days of acceptance.

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Accumulation Unit values may increase or decrease from Valuation Period to Valuation Period.

6.05	Net Return Factor for Each Valuation Period - The value of an
	Accumulation	Unit for any Valuation Period is calculated by multiplying
	the	Accumulation Unit value for the immediately preceding Valuation
	Period	by the net return factor of the appropriate Fund for the current
	period.
	The	net return factor for each Fund is equal to 1.0000000 plus the net
	return	rate.
	The	net return rate equals:
	(a)	The value of the shares of the Fund held by the Separate Account at the end of a Valuation Period; minus
	(b)	The value of the shares of the Fund held by the Separate Account at the start of the Valuation Period; plus or minus
	(c)	Taxes (or reserves for taxes) on the Separate Account (if any); divided by
	(d)	The total value of the Funds(s) Accumulation Units and Fund(s) Annuity Units of the Separate Account at the start of the Valuation Period; minus
	(e)	A daily actuarial charge as shown on the Contract Schedule for Annuity mortality and expense risks and profit and a daily administrative charge.
	The	net return rate may be more or less than zero (0) percent.

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The value of a share of the Fund is equal to the net assets of the Fund divided by the number of shares outstanding.

6.06	Administrative Charge - We deduct an administrative charge equal, on an annual basis, to the amount shown on the Contract Schedule.
6.07	Mortality Risk Charge - We deduct a mortality risk charge equal, on an annual basis, to the amount shown on the Contract Schedule.
6.08	Expense Risk Charge - We deduct an expense risk charge equal, on an annual basis, to the amount shown on the Contract Schedule.
6.09	Mortality and Expense Guarantee - We guarantee that the dollar amount of each Annuity payment after the first will not be affected by variations in mortality or expense experience.

Section 7. AG Account

• --------------------------------------------------------------------------------

• AG Account Guaranteed Interest Rate - All amounts allocated to the AG

Account earn a rate of interest that is guaranteed for a specified period of time. The rate will be credited daily and will never be less than the minimum guaranteed interest rate shown on the Contract Schedule. We determine the rate and it is not based on investment experience.

For guaranteed terms of one year or less, one guaranteed interest rate is credited for the full guaranteed term. For longer guaranteed terms, an initial guaranteed interest rate is credited from the date of deposit to the end of a specified period within the guaranteed term. There may be different guaranteed interest rate(s) declared for subsequent specified time intervals throughout the guaranteed term.

7.02	Deposit Period - A calendar week, a calendar month, a calendar quarter, or any other period of time We specify during which Net Purchase Payment(s), transfers and reinvestments are accepted into the AG
	Account for one or more guaranteed terms. We reserve the right to extend the deposit period.
7.03	Guaranteed Term - The period of time for which AG Account guaranteed interest rates are guaranteed on Net Purchase Payments. Transfers and reinvestments are made into a current deposit period for the AG
	Account. Such period begins on the day following the close of the deposit period and ends on the designated Maturity Date. Guaranteed terms, if any, are offered at our discretion for various lengths of time ranging up to and including ten years.
	During a deposit period, We may make available any number of guaranteed terms. The Contract Holder may allocate Net Purchase Payments and transfers into any or all of the available guaranteed terms.
7.04	Guaranteed Term(s) Groups - All AG Account guaranteed term(s) with the same length of time from the close of the deposit period until the designated Maturity Date.

7.05 Maturity Date

- The last day of a guaranteed term.

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7.06	Allocation of Net Purchase Payments to the AG Account - When the Contract Holder wishes to allocate all or any portion of a Net Purchase Payment to the Guaranteed Account, he or she must tell Us the percentage to apply to one or more of the AG Account guaranteed term(s) available during the current deposit period. If no allocation instructions are received, a Net Purchase Payment is allocated as indicated in the most recent directive from the Contract Holder. If the same guaranteed term is not available for any amount allocated to the
	AG	Account, We will allocate the amount to the next shortest guaranteed term available. If no shorter guaranteed term is available, We will allocate it to the next longest guaranteed term.
7.07	AG Account Guaranteed Term Maturity Date and Maturity Value - On the maturity date, the value of the total of all amounts allocated to that guaranteed term is called the maturity value.
	When the Contract Holder has assets in the AG Account, at least eighteen (18) days before a maturity date, We notify the Contract Holder of the:
	(a)	Projected maturity value; and
	(b)	Guaranteed terms and the applicable guaranteed interest rates available during the current deposit period.
		When no allocation instructions are received and the assets in a guaranteed term have been reinvested by Us in another guaranteed term
	on	the maturity date, the Contract Holder may transfer or withdraw, during the month following the maturity date, the reinvested amount with interest earned (as of the date the request is received at our Home Office) without incurring a Market Value Adjustment. This transaction is allowed only once for each maturity date, regardless of whether the transfer or withdrawal is partial or full.
7.08	Transfers from the AG Account - The Contract Holder may transfer any portion, or all, of an amount in the AG Account to one or more of the Funds or to another available guaranteed term. The amount withdrawn for any reason before the maturity date is subject to a Market Value Adjustment.
7.09	Withdrawals from the AG Account - When the Contract Holder requests a withdrawal from the AG Account, if instructions are not provided by the Contract Holder, amounts are withdrawn on a pro rata basis from the guaranteed term(s) groups in which the Contract Value is currently
invested.	Within a guaranteed term group, the amount to be withdrawn
will	be withdrawn first from the oldest deposit period. Except on the
maturity	date, withdrawals from the AG Account will be subject to a
Market	Value Adjustment.
7.10	Reinvestment - We will mail a notice to the Contract Holder before a
guaranteed	term's maturity date. This notice will contain the
guaranteed	terms available during the current deposit periods with
their	guaranteed interest rate(s) and projected maturity value. If no
specific	direction is given by the Contract Holder prior to the
maturity	date, each maturity value will be reinvested in the current
deposit	period for a guaranteed term of the same duration. If a
guaranteed	term of the same duration is unavailable, each matured term
value	will automatically be reinvested in the current deposit period
for	the next shortest guaranteed term available. If no shorter
guaranteed	term is available, the next longer guaranteed term will be
used.	We will mail a confirmation statement to the Contract Holder
after	the maturity date. This notice will state the guaranteed term and
guaranteed	interest rate(s) which will apply to the reinvested matured
term	value.

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7.11

AG Account Market Value Adjustment (Factor) - The Market Value Adjustment factor (MVA factor) reflects any change in interest rates from the time assets are allocated to the AG Account to the time they are transferred or withdrawn. An MVA factor is applied to any amount withdrawn or transferred from the AG Account before the end of a guaranteed term, including amounts paid in a lump sum death benefit or applied to an Annuity Option.

The amount withdrawn from the AG Account is multiplied by the MVA factor which is calculated as follows:

x
---
365

(1 + i)
----------------
x
---
365
(1 + j)

Where:
i	is the Deposit Period Yield
j	is the Current Yield
x	is the number of days remaining, (computed from Wednesday of
	the week of withdrawal) in the guaranteed Term.
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Determination of MVA factor parameters:

A yield is computed at the close of the last business day of each week of the deposit period. The yield will equal the average of the yields on U.S. Treasury Notes which matured during the last three months of the applicable guaranteed term.

The deposit period yield is the average of those yields for the deposit period. If withdrawal is made prior to the close of the deposit period, it is the average of those yields on each week preceding withdrawal.

The current yield is the average of the yields on the last business day of the week preceding withdrawal on the same U.S. Treasury Notes included in the deposit period yield.

If no U.S. Treasury Notes matured during the last three months of the guaranteed term, We reserve the right to use the average of the yields on U.S. Treasury Notes that mature during a following quarter.

Section 8. Contract Value; Transfers and Withdrawals During the Accumulation Period

• --------------------------------------------------------------------------------

• Contract Value - The value of the Contract is determined by adding the

value of the total of Accumulation Units attributed to the selected
Fund(s) to the value of any amounts attributed to the AG Account.

8.02      Transfers During the Accumulation Period - Before the Annuity Date, the Contract Holder may transfer from any Fund or guaranteed term of the AG Account to:

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(a)	Any other Fund; or
(b)	Any guaranteed term of the AG Account available in the current deposit period.

Transfer requests can be submitted as a percentage or as a dollar amount. We may establish a minimum transfer amount. Within a guaranteed term group, the amount transferred is withdrawn first from the oldest deposit period, then from the next oldest, and so on until the amount requested is satisfied.

The Contract Holder may make an unlimited number of transfers during the Accumulation Period. The number of free transfers allowed is shown on the Contract Schedule. Transfers in excess of that number may be subject to the transfer charge shown on the Contract Schedule. Transfers of a matured term value from the AG Account on or within one calendar month after a guaranteed term's maturity date do not count against the annual transfer limit.

Amounts applied to guaranteed terms of the AG Account may not be
transferred to the Funds or to another guaranteed term during the
deposit period or for 90 days after the close of the deposit period
except for matured term value(s) during the calendar month following
the guaranteed term's maturity date.

Transfers from guaranteed terms of the AG Account are subject to a
Market Value Adjustment.

8.03	Withdrawals During the Accumulation Period - The Contract Holder may
	withdraw	all or a portion of the Contract Value during the Accumulation
	Period	by properly completing a withdrawal request form. Withdrawal
	requests	ran be submitted as a percentage or as a specific dollar
	amount.	Net Purchase Payment amounts are withdrawn first, and then the
	excess	value, if any. For any partial withdrawal, if instructions are
	not	provided by the Contract Holder, amounts are withdrawn on a pro
	rata	basis from the Fund(s), and/or the guaranteed term(s) groups in
	which	the Contract is currently invested. Within a guaranteed term
	group,	the amount to be withdrawn will be withdrawn first from the
	oldest	deposit period, then from the next oldest, and so on until the
	amount	requested is satisfied.
	After	deduction of the maintenance charge, if applicable, the withdrawn
	amount	shall be reduced by the applicable deferred sales charge and any
	applicable	premium taxes.
8.04	Deferred Sales Charge - The deferred sales charge only applies to the
	portion	of the amount withdrawn attributable to Net Purchase Payment(s)
	and	varies according to the elapsed time since receipt of the Purchase
	Payment.	The deferred sales charge is shown on the Contract Schedule.
8.05	Waiver of Deferred Sales Charge - No deferred sales charge is deducted
	when	the Contract Value is paid:
	(a)	To a Beneficiary as a death benefit, except for Purchase Payments made by a surviving joint Contract Holder as described in Section 10.02(b);
	(b)	As a premium for an Annuity Option;
	(c)	At least the number of months, as shown on the Contract Schedule, after the date of the first Purchase Payment and in an amount equal to or less than the percentage of the Contract Value as shown on the Contract Schedule. This applies to the first withdrawal

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request, partial or full, in a calendar year. The Contract Value is
calculated as of the date the withdrawal request is

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received in good order at our Home Office. This waiver is not
available to the Contract Holder while a SWO is in effect;

(d)	For a full withdrawal where the Contract Value does not exceed the amount shown on the Contract Schedule and no withdrawals have been taken from the Contract within the prior 12 months;
(e)	For a distribution made by Us under Section 8.06; or
(f)	For a distribution which is part of a SWO under Section 8.07.

We reserve the right to allow the proceeds of a total withdrawal to be reinstated under the terms and conditions as established by Us from time to time.

8.06	Payment of Adjusted Contract Value - Upon 90 day's written notice to
	the	Contract Holder, We will terminate the Contract if the Contract
	Value	becomes less than $1,500 immediately following any partial
	withdrawal.	We do not intend to exercise this right in cases where the
	Contract	Value is reduced to $1,500 or less solely due to investment
	performance.	When We make a distribution pursuant to this provision,
	the	deferred sales charge will not be deducted.
8.07	Systematic Withdrawal Option (SWO) - We will allow the Contract Holder
	to	establish a schedule of withdrawals to be made automatically from
	the	Contract Value. All distributed amounts will be withdrawn on a pro
	rata	basis from the Fund(s) and/or the guaranteed term(s) groups of the
	AG	Account in which the Contract Value is invested.
	The	Contract Holder must elect one of the following SWO methods:
	(a)	Specified Payment: Payments of a designated dollar amount. The annual amount may not be greater than the percentage of the Contract Value at time of the election as shown on the Contract Schedule. This annual dollar amount will remain constant. At our discretion, We may require a minimum payment amount; or
	(b)	Specified Period: Payments which are made over a period of time which must be at least the minimum period as shown on the Contract Schedule. The annual amount paid each year is calculated by dividing the Contract Value as of December 31 of the prior year by the number of payment years remaining; or
	(c)	Specified Percentage: Payment of a designated percentage which cannot be greater than the percentage of the Contract Value at the time of election as shown on the Contract Schedule. The percentage may be changed by written request. We reserve the right to limit the number of times the percentage may be changed. The annual amount is calculated by multiplying the Contract Value as of December 31 of the year prior to the payment by the designated percentage.
	In	our discretion, We may require a minimum initial Contract Value for
	election	of this option. SWO may be elected by submitting a completed
	and	signed election form to Us. Once elected, this option may be
	revoked	by submitting a written request to Us. SWO may be elected only
	once	by the Contract Holder or by a spousal Beneficiary.
	The	Contract Holder should consult his/her tax adviser prior to
	requesting	this distribution option. We are not responsible for any
	adverse	tax consequences due to a Contract Holder's receiving SWO

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payments. A ten (10) percent penalty tax may apply to distributions to a Contract Holder who has not reached age 59-1/2. Upon death of the Contract Holder, any payments will be made under the terms of Section 10.

Section 9. Maintenance Charge

• --------------------------------------------------------------------------------

• Maintenance Charge - We will deduct an annual maintenance charge as

shown in the Contract Schedule from the Contract Value during the Accumulation Period. We will deduct the maintenance charge on the anniversary of the Effective Date of the Contract. This maintenance charge is also deducted upon withdrawal of the entire Adjusted Contract Value. The maintenance charge is deducted proportionately from each investment option used.

Section 10. Proceeds Payable on Death

• --------------------------------------------------------------------------------

• Death of the Contract Holder Prior to the Annuity Date - In the event

of the death of the Contract Holder or a joint Contract Holder prior to the Annuity Date, a death benefit is payable to the Beneficiary(ies) designated by the Contract Holder. Upon the death of a joint Contract Holder, the surviving joint Contract Holder, if any, will be treated as the designated Beneficiary. Any other Beneficiary designation on record

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with Us at the time of death will be treated as a contingent
Beneficiary.

A Beneficiary may request We pay the death benefit under one of the options described in Section 10.03. If the Beneficiary is the spouse of the Contract Holder, he or she may elect to continue the Contract in his or her own name and exercise all the Contract Holder's rights under the Contract.

10.02	Death Benefit Amount Prior to the Annuity Date -
	(a)	Except as set forth in Section 10.02(b), the amount of the
		guaranteed	death benefit value is equal to the greater of:
		(i)	The Contract Value at the end of the Valuation Period during
			which	We receive at our Home Office due proof of death and
			election	of the type of payment to be made; or
		(ii)	The death benefit determined as of the Valuation Period
			corresponding	to the date of death.
			Until	the first Effective Date anniversary, the death benefit
			is	equal to the Purchase Payments made by the Contract Holder
			prior	to the Effective Date anniversary less any withdrawals
			and	any amounts applied to an Annuity Option.
			For	each Contract year thereafter, the death benefit during
			the	Contract year equals the death benefit at the beginning of
			the	Contract year plus Purchase Payments made during the year
			less	any withdrawals and any amounts applied to an Annuity
			Option.
			On	each Effective Date anniversary, the death benefit is
			determined	as follows:
			(A)	The death benefit on the previous Effective Date anniversary increased by the death benefit factor shown on the Contract Schedule; plus

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(B)	Purchase Payments made by the Contract Holder during the Contract year increased by the death benefit factor shown on the Contract Schedule for the portion of the year since the Purchase Payment was made; less
(C)	Any withdrawals or amounts applied to an Annuity Option during the Contract year increased by the death benefit factor shown on the Contract Schedule for the portion of the Contract year since the withdrawal or election of Annuity option; or

(iii)      The Contract Value on the most recent seventh year anniversary of the Effective Date plus any Purchase Payments made after such Effective Date anniversary less any withdrawals and any amounts applied to an Annuity Option.

Notwithstanding the foregoing, the death benefit under (ii) or
(iii) will not exceed the death benefit maximum amount shown on the
Contract Schedule.

The death benefit calculation described in (ii) and (iii) above,
applies until the Contract Holder reaches the death benefit maximum
age shown on the Contract Schedule. Thereafter, the death benefit
is only adjusted for Purchase Payments, withdrawals and amounts
applied to Annuity Options. If the Contract Holder reaches the
death benefit maximum age shown on the Contract Schedule prior to
the seventh anniversary of the Effective Date, the death benefit
will be the greater of (i) or (ii) above.

The excess, if any, of the guaranteed death benefit value over the
Contract Value is determined when We receive at our Home Office due
proof of death and allocated to the Fund shown on the Contract
Schedule. The Contract Value plus any excess amount deposited
becomes the Contract Value.

(b)	In the case of a Beneficiary of a surviving joint Contract
	Holder who continued the Contract in his or her own name, the death benefit shall be equal to (a)(i) above less any applicable deferred sales charge on any Purchase Payment made after We have received at our Home Office due proof of death of the first joint Contract Holder.

10.03	Death Benefit Payment Methods - A non-spousal Beneficiary must elect the death benefit to be paid under one of the following methods in the event of the death of the Contract Holder prior to the Annuity Date:
	Method 1 - Lump sum payment of the death benefit; or
	Method 2 - The payment of the entire death benefit within (5) years of the date of the Contract Holder's death; or
	Method 3 - Payment of the death benefit over the lifetime of the

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designated Beneficiary or over a period not extending beyond the life expectancy of the designated Beneficiary with distribution beginning within one year of the date of death of the Contract Holder.

Any portion of the death benefit not applied under Option 3 within one year of the date of Contract Holder's death, must be distributed within five (5) years of the date of death. A Market Value Adjustment will apply at the time the death benefit is paid.

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A spousal Beneficiary may elect to continue the Contract in his or her name, elect a lump sum payment of the death benefit or apply the Adjusted Contract Value to an Annuity Option.

10.04	Death of Contract Holder On or After the Annuity Date - If the Contract Holder, who is not the Annuitant, dies on or after the Annuity Date, the remaining payments under the Annuity Option elected will be made to the Beneficiary at least as rapidly as under the method of distribution in effect at the Contract Holder's death.
10.05	Death of the Annuitant - If the Annuitant, who is not the Contract Holder, dies on or before the Annuity Date, a new Annuitant may be named. If no Annuitant is named, the Contract Holder will be the Annuitant. If the Annuitant dies after the Annuity Date, the death benefit, if any, will be payable to the Beneficiary as specified in the Annuity Option elected. We will require proof of the Annuitant's death.
	Death benefits will be paid at least as rapidly as under the method of distribution in effect at the Annuitant's death.

Section 11. Delay of Payments

• --------------------------------------------------------------------------------

• Delay of Payments - We will make any payments under this Contract

within seven days after a request is received in good order. We reserve the right to suspend or postpone any type of payment from the Separate Account for any period when:

(a)	The New York Stock Exchange is closed for other than customary weekend and holiday closings;
(b)	Trading on the Exchange is restricted;
(c)	An emergency exists as a result of which it is not reasonably practicable to dispose of securities held in the Separate Account or determine their value; or
(d)	The Securities and Exchange Commission so permits delay for the protection of security holders.

The applicable rules of the Securities and Exchange Commission will
govern as to whether the conditions in (b) or (c) exist.

We also reserve the right to delay any type of payment from the AG
Account for up to six (6) months.

Section 12. Annuity Provisions

• --------------------------------------------------------------------------------

• Designation of Annuitant - The Contract Holder and the Annuitant need

not be the same person. The Contract Holder names the Annuitant and during the Accumulation Period, may change the designated Annuitant. We change the Annuitant when We receive a written request in good order at our Home Office. We will not change the Annuitant when Annuity payments have commenced.

The Contract Holder elects an Annuity Option by telling us to use all or any portion of the Contract Value (minus any applicable premium taxes if not previously deducted) to purchase Annuity payments under an Annuity Option.

When an Annuity Option is chosen the Contract Holder must designate a:

(a) Fixed Annuity using the General Account;

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(b)	Variable Annuity using any of the Funds available during the Annuity Period; or
(c)	Combination of (a) and (b).

If a fixed Annuity is chosen, We will calculate the amount using an interest assumption no less than the percentage specified on the Contract Schedule. We may calculate the amount using a higher interest rate.

If a variable Annuity is chosen, an Assumed Annual Net Return Rate of 5% may be chosen. If not chosen, We will use an Assumed Annual Net Return Rate of 3.5%.

Payments are made on a monthly basis to the Contract Holder unless the Contract Holder requests a different mode of payment.

Once elected, an Annuity Option may not be revoked, except for Option 1

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when elected on a variable basis.

12.02	Terms of Annuity Options - The minimum first payment amount must be at
	least	$50 per month and at least $250 per year.
	If	the Contract Holder elects a fixed Annuity and We determine that the
	Contract	Holder would receive larger payments by applying the Contract
	Value,	reduced by the deferred sales charge, to a single premium
	immediate	Annuity currently offered by Us, We will make the larger
	payments.
	We	determine the first payment of a variable Annuity, or the payment
	amount	of a fixed Annuity, using the Annuitant's (and second
	Annuitant's	if applicable) adjusted age which We calculate as follows:
	(a)	If Annuity payments begin any time between July 1, 1992 and
		December	31, 1999, the adjusted age is the Annuitant's age as of
		the	birthday closest in time to the Annuity Date reduced by one
		(1)	year.
	(b)	If the Annuity begins any time between January 1, 2000 and December
		31,	2009, the adjusted age is the Annuitant's age as of the
		birthday	closest in time to the Annuity Date reduced by two (2)
		years.
	(c)	For each succeeding decade, the adjusted age is the Annuitant's
		age	as determined in (b), reduced by one additional year.
	The	Annuity rates for Options 2 and 3 are based on mortality from 1983
	Table	A.
	Assumed	Annual Net Return Rate is the interest rate used to determine
	the	amount of the first Annuity payment under a variable Annuity. The
	Separate	Account must earn this rate plus enough to cover the mortality
	and	expense risks charges (which may include profit) and administrative
	charges	if future variable Annuity payments are to remain level.
	The	Contract Holder must give written notice to Us at least 30 days
	before	the Annuity payments begin, electing or changing:
	(a)	The date on which Annuity payments are to begin;
	(b)	The Annuity Option;

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(c)	Whether the payments are to be made monthly, quarterly, semiannually or annually;
(d)	The investment options used to provide Annuity payments.

The first Annuity payment may not be earlier than one (1) calendar year after the initial Purchase Payment, not later than the later of the:

(a)	First day of the month following the Annuitant's birthday shown on the Contract Schedule; or
(b)	Tenth anniversary of the last Purchase Payment. In lieu of the election of an Annuity, the Contract Holder may request a lump sum payment.

12.03	Annuity Unit - The number of Annuity Units per Fund is based on the
	amount	of the first variable Annuity payment which is equal to:
	(a)	The portion of the Contract Value (minus any premium taxes) applied to pay a variable Annuity; divided by,
	(b)	1000; multiplied by,
	(c)	The payment rate for the Annuity Option chosen.
	Such	amount, or portion, of the variable Annuity payment will be
	divided	by the Annuity Unit value for the appropriate Fund on the tenth
	Valuation	Period before the due date of the first payment to determine
	the	number of each Fund's Annuity Units. The number of each Fund's
	Annuity	Unit remains fixed. Each future payment is equal to the sum of
	the	products of each Fund's Annuity Unit value multiplied by the
	appropriate	number of units. The Fund's Annuity Unit value on the tenth
	Valuation	Period prior to the due date of the payment is used.
12.04	Annuity Unit Value - For any Valuation Period, a Fund's Annuity Unit
	value	is equal to:
	(a)	The value for the previous Valuation Period; multiplied by,
	(b)	The Annuity Net Return Factor for the Valuation Period; multiplied by,
	(c)	A daily factor to reflect the Assumed Annual Net Return Rate (the factor for 3.5% per year is .9999058; for 5% per year it is .9998663).
	The	dollar value of a Fund(s) Annuity Unit values and payments may go
	up	or down due to investment gain or loss.
12.05	Annuity Net Return Factor - The Annuity net return factor is used to
	compute	all Separate Account Annuity payments for any Fund.
	The	Annuity net return factor(s) for each Fund is equal to 1.0000000
	plus	the net return rate. The net return rate is equal to:
	(a) The value of the shares of the Fund held by the Separate Account at

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Page 14 of 21

the end of a Valuation Period; minus,

(b)	The value of the shares of the Fund held by the Separate Account at the start of the Valuation Period; plus or minus,
(c)	Taxes (or reserves for taxes) on the Separate Account (if any); divided by
(d)	The total value of the Fund(s) Accumulation Units and Fund(s) Annuity Units of the Separate Account at the start of the Valuation Period; minus,

21

<PAGE>

(e)      A daily actuarial charge as shown of the Contract Schedule for Annuity mortality and expense risks and profit and a daily administrative charge which will not exceed the administrative charge as shown on the Contract Schedule.

The net return rate may be more or less than zero (0) percent.

The value of a share of the Fund is equal to the net assets of the Fund divided by the number of shares outstanding.

12.06	Annuity Options
	Option	1 - Payments for a Stated Period of Time - An Annuity will be
	paid	for the number of years chosen. The number of years must be at
	least	5 and not more than 30.
	If	payments for this Annuity Option are made under a variable Annuity,
	the	present value of any remaining payments may be withdrawn at any
	time.
	Option	2 - Life Income - An Annuity will be paid for the life of the
	Annuitant.	If also chosen, We will guarantee payments for 60, 120, 180,
	or	240 months.
	Option	3 - Life Income Based upon the Lives of Two Annuitants - An
	Annuity	will be paid during the lives of the Annuitant and a second
	Annuitant.	Payments will continue until both Annuitants have died. When
	this	Annuity Option is chosen, a choice must be made of:
	(a)	100% of the payment to continue after the first death;
	(b)	66-2/3% of the payment to continue after the first death;
	(c)	50% of the payment to continue after the first death;
	(d)	Payments for a minimum of 120 months with 100% of the payment to continue after the first death; or
	(e)	100% of the payment to continue at the death of the second Annuitant and 50% of the payment to continue at the death of the Annuitant.
	We	may make other options available as allowed by law.

22

<PAGE>

OPTION 1

Payments for a Stated Period of Time

Amount of First Monthly Payment for Each $1,000
After Deduction of any Charge for Premium Taxes

Rates for a Fixed Annuity with Guaranteed Interest Rate of 3.0%

- --------------------------------------------------------------------------------
	Guaranteed	Monthly	Quarterly	Semi-Annual	Annual
Years	Rate	Payment	Payment	Payment	Payment
- --------------------------------------------------------------------------------
5	3.00%	17.91	53.59	106.78	211.99
6	3.00%	15.14	45.30	90.27	179.22
7	3.00%	13.16	39.39	78.49	155.83
8	3.00%	11.68	34.96	69.66	138.31
9	3.00%	10.53	31.52	62.81	124.69
10	3.00%	9.61	28.77	57.33	113.82
11	3.00%	8.86	26.52	52.85	104.93
12	3.00%	8.24	24.65	49.13	97.54
13	3.00%	7.71	23.08	45.98	91.29
14	3.00%	7.26	21.73	43.29	85.95
15	3.00%	6.87	20.56	40.96	81.33
16	3.00%	6.53	19.54	38.93	77.29
17	3.00%	6.23	18.64	37.14	73.74
18	3.00%	5.96	17.84	35.56	70.59
19	3.00%	5.73	17.13	34.14	67.78
20	3.00%	5.51	16.50	32.87	65.26
21	3.00%	5.32	15.92	31.72	62.98
22	3.00%	5.15	15.40	30.68	60.92
23	3.00%	4.99	14.92	29.74	59.04
24	3.00%	4.84	14.49	28.88	57.33
25	3.00%	4.71	14.09	28.08	55.76
26	3.00%	4.59	13.73	27.36	54.31
27	3.00%	4.47	13.39	26.68	52.97
28	3.00%	4.37	13.08	26.06	51.74
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29	3.00%	4.27	12.79	25.49	50.60
30	3.00%	4.18	12.52	24.95	49.53

- -------------------------------------------------------------------------------

23

<PAGE>

OPTION 2

Life Income

Amount of First Monthly Payment for Each $1,000
After Deduction of any Charge for Premium Taxes

Rates for a Fixed Annuity with Guaranteed Interest Rate of 3.0%

Payments Guaranteed for a Stated Period of Months

<TABLE> <CAPTION>

- ------------------------------------------------------------------------------------------------------------------------------Adjusted None 60 120 180 240

- ------------------------------------------------------------------------------------------------------------------------------

Age of

     Annuitant Male Female Male Female Male Female Male Female Male Female - ------------------------------------------------------------------------------------------------------------------------------

<S>	<C>	<C>	<C>	<C>	<C>	<C>	<C>	<C>	<C>	<C>
50	$ 4.27	$ 3.90	$ 4.26	$ 3.90	$ 4.22	$ 3.89	$ 4.17	$ 3.86	$ 4.08	$ 3.82
51	4.34	3.97	4.33	3.96	4.30	3.95	4.23	3.92	4.14	3.88
52	4.43	4.03	4.41	4.03	4.37	4.01	4.30	3.98	4.20	3.93
53	4.51	4.10	4.50	4.10	4.45	4.08	4.37	4.04	4.26	3.99
54	4.60	4.18	4.59	4.17	4.54	4.15	4.45	4.11	4.32	4.04
55	4.70	4.25	4.68	4.25	4.62	4.22	4.53	4.18	4.39	4.11
56	4.80	4.34	4.78	4.33	4.72	4.30	4.61	4.25	4.45	4.17
57	4.91	4.42	4.89	4.41	4.82	4.38	4.69	4.32	4.51	4.23
58	5.03	4.52	5.00	4.51	4.92	4.47	4.78	4.40	4.58	4.30
59	5.15	4.61	5.12	4.60	5.03	4.56	4.87	4.48	4.65	4.37
60	5.28	4.72	5.25	4.70	5.14	4.66	4.96	4.57	4.71	4.44
61	5.43	4.83	5.39	4.81	5.27	4.76	5.06	4.66	4.78	4.51
62	5.58	4.95	5.53	4.93	5.39	4.87	5.16	4.75	4.84	4.58
63	5.74	5.08	5.69	5.05	5.53	4.99	5.26	4.85	4.90	4.65
64	5.91	5.21	5.85	5.18	5.66	5.10	5.36	4.95	4.96	4.72
65	6.10	5.36	6.03	5.32	5.81	5.22	5.46	5.05	5.02	4.79
66	6.30	5.51	6.21	5.47	5.96	5.36	5.56	5.16	5.08	4.86
67	6.51	5.67	6.41	5.63	6.12	5.50	5.66	5.26	5.13	4.93
68	6.73	5.85	6.62	5.80	6.28	5.65	5.77	5.37	5.18	5.00
69	6.97	6.04	6.84	5.98	6.44	5.80	5.86	5.49	5.23	5.06
70	7.23	6.25	7.07	6.18	6.61	5.97	5.96	5.60	5.27	5.12
71	7.51	6.47	7.32	6.39	6.79	6.14	6.05	5.71	5.31	5.18
72	7.80	6.71	7.58	6.62	6.96	6.32	6.14	5.83	5.34	5.23
73	8.12	6.98	7.85	6.86	7.14	6.50	6.23	5.94	5.37	5.28
74	8.46	7.26	8.14	7.12	7.32	6.69	6.31	6.04	5.40	5.32
75	8.82	7.57	8.45	7.40	7.50	6.89	6.38	6.14	5.42	5.35

- ------------------------------------------------------------------------------------------------------------------------------</TABLE>

Rates are based on mortality from 1983 Table a.

Rates for ages not shown will be provided on request and will be computed on a basis consistent with the rates in the above tables.

24

<PAGE>

OPTION 3

Life Income for Two Payees

Amount of First Monthly Payment for Each $1,000
After Deduction of any Charge for Premium Taxes

(Annuitant is Male and Second Annuitant is Female)

Rates for a Fixed Annuity with Guaranteed Interest Rate of 3.0%

<TABLE>
<CAPTION>
- -----------------------------------------------------------------------------------------------
Adjusted Ages
- ----------------------
	Second
Annuitant	Annuitant	Option 3a	Option 3b	Option 3c	Option 3d	Option 3e
- -----------------------------------------------------------------------------------------------
<S>	<C>	<C>	<C>	<C>	<C>	<C>
55	50	$ 3.69	$ 4.05	$ 4.27	$ 3.69	$ 4.13
55	55	3.88	4.25	4.47	3.87	4.25
55	60	3.06	4.47	4.71	4.06	4.36
60	55	3.99	4.44	4.71	3.98	4.55
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60	60	4.24	4.71	4.99	4.23	4.70
60	65	4.49	5.01	5.32	4.48	4.85
65	60	4.38	4.97	5.32	4.38	5.10
65	65	4.72	5.33	5.70	4.71	5.32
65	70	5.07	5.75	6.17	5.05	5.54
70	65	4.93	5.68	6.15	4.91	5.86
70	70	5.40	6.21	6.70	5.36	6.18
70	75	5.89	6.82	7.40	5.81	6.49
75	70	5.69	6.68	7.32	5.62	6.92
75	75	6.37	7.45	8.15	6.23	7.40
75	80	7.07	8.34	9.16	6.78	7.85

- -----------------------------------------------------------------------------------------------

</TABLE>

Rates are based on mortality from 1983 Table a.

The rates assume the Annuitant is Male and the Second Annuitant is Female. Rates for ages not shown will be provided on request and will be computed on a basis consistent with the rates in the above tables.

25

<PAGE>

OPTION 3

Life Income for Two Payees

Amount of First Monthly Payment for Each $1,000
After Deduction of any Charge for Premium Taxes

(Annuitant is Female and Second Annuitant is Male)

Rates for a Fixed Annuity with Guaranteed Interest Rate of 3.0%

<TABLE>

<CAPTION>

- --------------------------------------------------------------------------------------------

     Adjusted Ages - -----------------------Second

Annuitant Annuitant Option 3a Option 3b Option 3c Option 3d Option 3e - --------------------------------------------------------------------------------------------

<S>	<C>	<C>	<C>	<C>	<C>	<C>
55	50	$ 3.75	$ 4.07	$ 4.26	$ 3.75	$ 3.98
55	55	3.88	4.25	4.47	3.87	4.06
55	60	3.99	4.44	4.71	3.98	4.12
60	55	4.06	4.47	4.71	4.06	4.37
60	60	4.24	4.71	4.99	4.23	4.47
60	65	4.38	4.97	5.32	4.38	4.54
65	60	4.49	5.01	5.32	4.48	4.89
65	65	4.72	5.33	5.70	4.71	5.02
65	70	4.93	5.68	6.15	4.91	5.14
70	65	5.07	5.75	6.17	5.05	5.60
70	70	5.40	6.21	6.70	5.36	5.79
70	75	5.69	6.68	7.32	5.62	5.96
75	70	5.89	6.83	7.40	5.81	6.63
75	75	6.37	7.45	8.15	6.23	6.92
75	80	6.78	8.11	8.99	6.54	7.15

- --------------------------------------------------------------------------------------------

</TABLE>

Rates are based on mortality from 1983 Table a.

The rates assume the Annuitant is Female and the Second Annuitant is Male. Rates for ages not shown will be provided on request and will be computed on a basis consistent with the rates in the above tables.

26

<PAGE>

OPTION 1

Payments for a Stated Period of Time

Amount of First Monthly Payment for Each $1,000
After Deduction of any Charge for Premium Taxes

Rates for a Variable Annuity with Assumed Net Return Rate of 3.5%

- --------------------------------------------------------------------------------
	Guaranteed	Monthly	Quarterly	Semi-Annual	Annual
Years	Rate	Payment	Payment	Payment	Payment
- --------------------------------------------------------------------------------
5	3.50%	18.12	54.19	107.92	213.99
6	3.50%	15.35	45.92	91.44	181.32
7	3.50%	13.38	40.01	79.69	158.01
8	3.50%	11.90	35.59	70.88	140.56
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9	3.50%	10.75	32.16	64.05	127.00
10	3.50%	9.83	29.42	58.59	116.18
11	3.50%	9.09	27.18	54.13	107.34
12	3.50%	8.46	25.32	50.42	99.98
13	3.50%	7.94	23.75	47.29	93.78
14	3.50%	7.49	22.40	44.62	88.47
15	3.50%	7.10	21.24	42.31	83.89
16	3.50%	6.76	20.23	40.29	79.89
17	3.50%	6.47	19.34	38.51	76.37
18	3.50%	6.20	18.55	36.94	73.25
19	3.50%	5.97	17.85	35.54	70.47
20	3.50%	5.75	17.22	34.28	67.98
21	3.50%	5.56	16.65	33.15	65.74
22	3.50%	5.39	16.13	32.13	63.70
23	3.50%	5.24	15.66	31.19	61.85
24	3.50%	5.09	15.24	30.34	60.17
25	3.50%	4.96	14.85	29.56	58.62
26	3.50%	4.84	14.49	28.85	57.20
27	3.50%	4.73	14.15	28.19	55.90
28	3.50%	4.63	13.85	27.58	54.69
29	3.50%	4.53	13.57	27.02	53.57
30	3.50%	4.45	13.30	26.49	52.53

- --------------------------------------------------------------------------------

27

<PAGE>

OPTION 1

Payments for a Stated Period of Time

Amount of First Monthly Payment for Each $1,000 After Deduction of any Charge for Premium Taxes

Rates for a Variable Annuity with Assumed Net Return Rate of 5.0%

- -------------------------------------------------------------------------------

	Guaranteed	Monthly	Quarterly	Semi-Annual	Annual
Years	Rate	Payment	Payment	Payment	Payment

- -------------------------------------------------------------------------------

5	5.00%	18.74	56.00	111.33	219.98
6	5.00%	15.99	47.77	94.96	187.64
7	5.00%	14.02	41.90	83.30	164.59
8	5.00%	12.56	37.52	74.58	147.35
9	5.00%	11.42	34.11	67.81	133.99
10	5.00%	10.51	31.40	62.42	123.34
11	5.00%	9.77	29.19	58.03	114.66
12	5.00%	9.16	27.36	54.38	107.45
13	5.00%	8.64	25.81	51.31	101.39
14	5.00%	8.20	24.50	48.69	96.21
15	5.00%	7.82	23.36	46.44	91.75
16	5.00%	7.49	22.37	44.47	87.88
17	5.00%	7.20	21.51	42.75	84.48
18	5.00%	6.94	20.74	41.23	81.47
19	5.00%	6.71	20.06	39.88	78.80
20	5.00%	6.51	19.46	38.68	76.42
21	5.00%	6.33	18.91	37.59	74.28
22	5.00%	6.17	18.42	36.62	72.35
23	5.00%	6.02	17.98	35.73	70.61
24	5.00%	5.88	17.57	34.93	69.02
25	5.00%	5.76	17.20	34.20	67.57
26	5.00%	5.65	16.87	33.53	66.25
27	5.00%	5.54	16.56	32.92	65.04
28	5.00%	5.45	16.28	32.35	63.93
29	5.00%	5.36	16.01	31.83	62.90
30	5.00%	5.28	15.77	31.35	61.95

- -------------------------------------------------------------------------------

28

<PAGE>

OPTION 2

Life Income

Amount of First Monthly Payment for Each $1,000
After Deduction of any Charge for Premium Taxes

Rates for a Variable Annuity with Assumed Net Return Rate of 3.5%

	Payments Guaranteed for a Stated Period of Months
<TABLE>
<CAPTION>
- -----------------------------------------------------------------------------------------------------------------------
Adjusted		None		60	120			180		240
Age of	-----------------------------------------------------------------------------------------------------------
Annuitant	Male	Female	Male	Female	Male	Female	Male	Female	Male	Female
- -----------------------------------------------------------------------------------------------------------------------
<S>	<C>	<C>	<C>	<C>	<C>	<C>	<C>	<C>	<C>	<C>
50	$ 4.56	$ 4.20	$ 4.55	$ 4.19	$ 4.51	$ 4.18	$ 4.45	$ 4.15	$ 4.36	$ 4.11
51	4.64	4.26	4.62	4.25	4.58	4.24	4.51	4.21	4.42	4.16
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											Page 18 of 21
52	4.72	4.32	4.70	4.32	4.66	4.30	4.58	4.26	4.48	4.21
53	4.80	4.39	4.79	4.38	4.74	4.36	4.65	4.32	4.53	4.27
54	4.89	4.46	4.87	4.46	4.82	4.43	4.73	4.39	4.59	4.32
55	4.99	4.54	4.97	4.53	4.91	4.50	4.80	4.46	4.65	4.38
56	5.09	4.62	5.07	4.61	5.00	4.58	4.88	4.53	4.72	4.44
57	5.20	4.71	5.17	4.70	5.10	4.66	4.96	4.60	4.78	4.50
58	5.32	4.80	5.29	4.79	5.20	4.75	5.05	4.68	4.84	4.57
59	5.44	4.90	5.41	4.88	5.31	4.84	5.14	4.76	4.91	4.63
60	5.57	5.00	5.53	4.99	5.42	4.93	5.23	4.84	4.97	4.70
61	5.71	5.11	5.67	5.09	5.54	5.03	5.32	4.93	5.03	4.77
62	5.96	5.23	5.81	5.21	5.66	5.14	5.42	5.02	5.09	4.84
63	6.02	5.36	5.97	5.33	5.79	5.25	5.51	5.11	5.16	4.91
64	6.20	5.49	6.13	5.46	5.93	5.37	5.61	5.21	5.21	4.98
65	6.38	5.64	6.31	5.60	6.07	5.49	5.71	5.31	5.27	5.05
66	6.58	5.79	6.49	5.75	6.22	5.63	5.81	5.41	5.32	5.12
67	6.79	5.95	6.69	5.91	6.38	5.76	5.91	5.52	5.38	5.18
68	7.02	6.13	6.89	6.08	6.53	5.91	6.01	5.63	5.42	5.25
69	7.26	6.32	7.11	6.26	6.70	6.06	6.11	5.74	5.47	5.31
70	7.52	6.53	7.35	6.45	6.86	6.23	6.20	5.85	5.51	5.37
71	7.80	6.75	7.59	6.66	7.03	6.39	6.29	5.96	5.54	5.42
72	8.09	6.99	7.85	6.89	7.21	6.57	6.38	6.07	5.57	5.47
73	8.41	7.26	8.12	7.13	7.38	6.75	6.46	6.17	5.60	5.51
74	8.75	7.54	8.41	7.39	7.55	6.94	6.53	6.28	5.63	5.55
75	9.12	7.85	8.71	7.66	7.73	7.13	6.61	6.38	5.65	5.59

- -----------------------------------------------------------------------------------------------------------------------</TABLE>

Rates are based on mortality from 1983 Table a.

Rates for ages not shown will be provided on request and will be computed on a basis consistent with the rates in the above tables.

29

<PAGE>

			OPTION 2
			Life Income
	Amount of First Monthly Payment for Each $1,000
	After Deduction of any Charge for Premium Taxes
Rates for a Variable Annuity with Assumed Net Return Rate of 5.0%
	Payments Guaranteed for a Stated Period of Months
<TABLE>
<CAPTION>
- -----------------------------------------------------------------------------------------------------------------------
Adjusted		None		60		120		180		240
Age of	------------------------------------------------------------------------------------------------------------
Annuitant	Male	Female	Male	Female	Male	Female	Male	Female	Male	Female
- -----------------------------------------------------------------------------------------------------------------------
<S>	<C>	<C>	<C>	<C>	<C>	<C>	<C>	<C>	<C>	<C>
50	$ 5.48	$ 5.12	$ 5.46	$ 5.11	$ 5.41	$ 5.09	$ 5.34	$ 5.06	$ 5.24	$ 5.01
51	5.55	5.17	5.53	5.17	5.48	5.14	5.40	5.11	5.29	5.05
52	5.63	5.23	5.61	5.23	5.55	5.20	5.46	5.16	5.34	5.10
53	5.71	5.30	5.69	5.29	5.62	5.26	5.53	5.22	5.40	5.15
54	5.80	5.37	5.77	5.36	5.70	5.33	5.60	5.27	5.45	5.20
55	5.89	5.44	5.86	5.43	5.79	5.39	5.67	5.34	5.51	5.25
56	5.99	5.52	5.96	5.51	5.87	5.47	5.74	5.40	5.56	5.31
57	6.10	5.60	6.06	5.59	5.97	5.54	5.82	5.47	5.62	5.37
58	6.21	5.69	6.17	5.67	6.06	5.62	5.90	5.54	5.68	5.42
59	6.33	5.79	6.29	5.77	6.17	5.71	5.98	5.61	5.74	5.48
60	6.46	5.89	6.41	5.87	6.28	5.80	6.06	5.69	5.79	5.55
61	6.60	6.00	6.55	6.97	6.39	5.90	6.15	5.77	5.85	5.61
62	6.75	6.11	6.69	6.08	6.51	6.00	6.24	5.86	5.91	5.67
63	6.91	6.23	6.84	6.20	6.64	6.10	6.33	5.95	5.96	5.73
64	7.09	6.37	7.00	6.33	6.77	6.22	6.42	6.04	6.02	5.80
65	7.27	6.51	7.18	6.46	6.91	6.34	6.52	6.13	6.07	5.86
66	7.47	6.66	7.36	6.61	7.05	6.46	6.61	6.23	6.12	5.92
67	7.68	6.82	7.55	6.76	7.20	6.60	6.70	6.33	6.16	5.99
68	7.91	7.00	7.76	6.93	7.35	6.74	6.80	6.43	6.21	6.04
69	8.15	7.19	7.98	7.11	7.51	6.89	6.89	6.54	6.25	6.10
70	8.41	7.39	8.21	7.30	7.67	7.04	6.97	6.64	6.28	6.15
71	8.69	7.62	8.45	7.51	7.83	7.21	7.06	6.74	6.32	6.20
72	8.99	7.86	8.70	7.73	8.00	7.38	7.14	6.85	6.35	6.25
73	9.31	8.12	8.97	7.97	8.16	7.55	7.21	6.95	6.37	6.29
74	9.65	8.41	9.26	8.23	8.33	7.73	7.29	7.04	6.39	6.33
75	10.02	8.72	9.55	8.50	8.50	7.92	7.35	7.14	6.41	6.36
- -----------------------------------------------------------------------------------------------------------------------
</TABLE>
	Rates are based on mortality from 1983 Table a.
Rates for ages not shown will be provided on request and will be computed
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on a basis consistent with the rates in the above tables.

     30 <PAGE>

OPTION 3

Life Income for Two Payees

Amount of First Monthly Payment for Each $1,000 After Deduction of any Charge for Premium Taxes

(Annuitant is Male and Second Annuitant is Female)

Rates for a Variable Annuity with Assumed Net Return Rate of 3.5%

<TABLE> <CAPTION>

- --------------------------------------------------------------------------------------------Adjusted Ages - -----------------------Second Annuitant Annuitant Option 3a Option 3b Option 3c Option 3d Option 3e - --------------------------------------------------------------------------------------------

<S>	<C>	<C>	<C>	<C>	<C>	<C>
55	50	$ 3.97	$ 4.35	$ 4.56	$ 3.97	$ 4.42
55	55	4.16	4.54	4.76	4.15	4.54
55	60	4.34	4.76	5.00	4.34	4.64
60	55	4.27	4.73	5.00	4.26	4.83
60	60	4.51	4.99	5.27	4.50	4.98
60	65	4.76	5.29	5.60	4.75	5.13
65	60	4.66	5.25	5.61	4.65	5.39
65	65	4.99	5.61	5.99	4.98	5.60
65	70	5.34	6.03	6.46	5.31	5.81
70	65	5.19	5.97	6.44	5.17	6.14
70	70	5.67	6.49	6.99	5.62	6.47
70	75	6.16	7.10	7.68	6.07	6.77
75	70	5.95	6.96	7.61	5.87	7.20
75	75	6.64	7.73	8.43	6.48	7.68
75	80	7.33	8.62	9.45	7.02	8.13

- --------------------------------------------------------------------------------------------

</TABLE>

Rates are based on mortality from 1983 Table a.

The rates assume the Annuitant is Male and the Second Annuitant is Female. Rates for ages not shown will be provided on request and will be computed on a basis consistent with the rates in the above tables.

31

<PAGE>

OPTION 3

Life Income for Two Payees

Amount of First Monthly Payment for Each $1,000
After Deduction of any Charge for Premium Taxes

(Annuitant is Female and Second Annuitant is Male)

Rates for a Variable Annuity with Assumed Net Return Rate of 3.5%

<TABLE>
<CAPTION>
- ------------------------------------------------------------------------------------------------------
Adjusted Ages
- ----------------------
	Second
Annuitant	Annuitant	Option 3a	Option 3b	Option 3c	Option 3d	Option 3e
- ---------------------------------------------------------------------------------------------------
<S>	<C>	<C>	<C>	<C>	<C>	<C>
55	50	$ 4.03	$ 4.36	$ 4.55	$ 4.03	$ 4.41
55	55	4.16	4.54	4.76	4.15	4.54
55	60	4.27	4.73	5.00	4.26	4.83
60	55	4.34	4.76	5.00	4.34	4.64
60	60	4.51	4.99	5.27	4.50	4.98
60	65	4.66	5.25	5.61	4.65	5.39
65	60	4.76	5.29	5.60	4.75	5.13
65	65	4.99	5.61	5.99	4.98	5.60
65	70	5.19	5.97	6.44	5.17	6.14
70	65	5.34	6.03	6.46	5.31	5.81
70	70	5.67	6.49	6.99	5.62	6.47
70	75	5.95	6.96	7.61	5.87	7.20
75	70	6.16	7.10	7.68	6.07	6.77
75	75	6.64	7.73	8.43	6.48	7.68
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75 80 7.04 8.39 9.29 6.79 8.70

- ---------------------------------------------------------------------------------------------------

</TABLE>

Rates are based on mortality from 1983 Table a.

The rates assume the Annuitant is Female and the Second Annuitant is Male. Rates for ages not shown will be provided on request and will be computed on a basis consistent with the rates in the above tables.

32

<PAGE>

OPTION 3

Life Income for Two Payees

Amount of First Monthly Payment for Each $1,000
After Deduction of any Charge for Premium Taxes

(Annuitant is Male and Second Annuitant is Female)

Rates for a Variable Annuity with Assumed Net Return Rate of 5.0%

<TABLE>

<CAPTION>

- -----------------------------------------------------------------------------------------

     Adjusted Ages - -----------------------Second

Annuitant Annuitant Option 3a Option 3b Option 3c Option 3d Option 3e - -----------------------------------------------------------------------------------------

<S>	<C>	<C>	<C>	<C>	<C>	<C>
55	50	$ 4.88	$ 5.26	$ 5.48	$ 4.88	$ 5.34
55	55	5.04	5.44	5.66	5.04	5.43
55	60	5.21	5.65	5.89	5.21	5.53
60	55	5.15	5.63	5.91	5.14	5.73
60	60	5.37	5.87	6.16	5.37	5.86
60	65	5.61	6.16	6.49	5.60	6.01
65	60	5.52	6.14	6.51	5.51	6.28
65	65	5.83	6.49	6.87	5.82	6.47
65	70	6.17	6.90	7.33	6.13	6.67
70	65	6.04	6.84	7.34	6.00	7.03
70	70	6.49	7.35	7.87	6.44	7.33
70	75	6.97	7.96	8.56	6.87	7.62
75	70	6.77	7.84	8.51	6.68	8.08
75	75	7.45	8.60	9.33	7.27	8.55
75	80	8.14	9.49	10.35	7.80	8.98

- -----------------------------------------------------------------------------------------

</TABLE>

Rates are based on mortality from 1983 Table a.

The rates assume the Annuitant is Male and the Second Annuitant is Female. Rates for ages not shown will be provided on request and will be computed on a basis consistent with the rates in the above tables.

33

<PAGE>

OPTION 3

Life Income for Two Payees

Amount of First Monthly Payment for Each $1,000
After Deduction of any Charge for Premium Taxes

(Annuitant is Female and the Second Annuitant is Male)

Rates for a Variable Annuity with Assumed Net Return Rate of 5.0%

<TABLE>
<CAPTION>
- ------------------------------------------------------------------------------------------
Adjusted Ages
- ----------------------
	Second
Annuitant	Annuitant	Option 3a	Option 3b	Option 3c	Option 3d	Option 3e
- ------------------------------------------------------------------------------------------
<S>	<C>	<C>	<C>	<C>	<C>	<C>
55	50	$ 4.93	$ 5.27	$ 5.46	$ 4.93	$ 5.19
55	55	5.04	5.44	5.66	5.04	5.43
55	60	5.15	5.63	5.91	5.14	5.73
60	55	5.21	5.65	5.89	5.21	5.53
60	60	5.37	5.87	6.16	5.37	5.86
60	65	5.52	6.14	6.51	5.51	6.28
65	60	5.61	6.16	6.49	5.60	6.01
65	65	5.83	6.49	6.87	5.82	6.47
65	70	6.04	6.84	7.34	6.00	7.03
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70	65	6.17	6.90	7.33	6.13	6.67
70	70	6.49	7.35	7.87	6.44	7.33
70	75	6.77	7.84	8.51	6.68	8.08
75	70	6.97	7.96	8.56	6.87	7.62
75	75	7.45	8.60	9.33	7.27	8.55
75	80	7.86	9.28	10.20	7.57	9.59

- ------------------------------------------------------------------------------------------

</TABLE>

Rates are based on mortality from 1983 Table a.

The rates assume the Annuitant is Female and the Second Annuitant is Male. Rates for ages not shown will be provided on request and will be computed on a basis consistent with the rates in the above tables.

34

<PAGE>

- --------------------------------------------------------------------------------

Aetna Insurance Company of America
Home Office: 151 Farmington Avenue
Hartford, Connecticut 06156
(800) 531-4547

Individual Variable, Fixed, or Combination Annuity Contract
Nonparticipating

- --------------------------------------------------------------------------------

ALL PAYMENTS AND VALUES PROVIDED BY THE CONTRACT, WHEN BASED ON INVESTMENT EXPERIENCE OF A SEPARATE ACCOUNT, ARE VARIABLE AND ARE NOT GUARANTEED AS TO FIXED DOLLAR AMOUNT. THIS CONTRACT CONTAINS A MARKET VALUE ADJUSTMENT FORMULA. APPLICATION OF A MARKET VALUE ADJUSTMENT MAY RESULT IN EITHER AN INCREASE OR DECREASE IN THE CURRENT VALUE. THE MARKET VALUE ADJUSTMENT FORMULA DOES NOT APPLY TO A GUARANTEED TERM AT THE TIME OF ITS MATURITY.

I-CDA-GP2(4/94)

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03/26/2018

EX-16

Exhibit 16(4)(g)
Aetna Insurance Company of America
Home Office: 151 Farmington Avenue
Hartford, Connecticut 06156
(800) 531-4547
Aetna Insurance Company of America (We or Us) agrees to pay benefits according
to the terms and conditions set forth in this Contract.
- --------------------------------------------------------------------------------
Certificate of Group Annuity Coverage
Aetna certifies that an account is established for you under the Group Annuity
Contract and Certificate numbers shown below.
This certificate describes Group Annuity Contract provisions. It replaces any
and all prior certificates or endorsements issued to you under the stated
Contract and Certificate numbers. This Certificate is for information only and
is not a part of the Contract.
THE VARIABLE FEATURES OF THE GROUP CONTRACT ARE DESCRIBED IN SECTIONS 6 AND 12.
- --------------------------------------------------------------------------------
Right to Cancel
The Certificate Holder may cancel the Certificate within ten (10) days of
receiving it by returning it to Us at the address above or the person from whom
it was purchased. Within seven (7) days of the cancellation request, We will
return the Certificate Holder's Purchase Payment(s) made plus any increase, or
minus any decrease on the amount allocated to the Separate Account.
Signed at the Home Office on the Effective Date.
/s/ Dan Kearney	/s/ Maria F. McKeon
President	Secretary
- --------------------------------------------------------------------------------
Contract Holder	Group Annuity Contract Number
- --------------------------------------------------------------------------------
Certificate Holder	Certificate Number
- --------------------------------------------------------------------------------
Annuitant Name	Type of Plan
ALL PAYMENTS AND VALUES PROVIDED BY THE GROUP CONTRACT, WHEN BASED ON INVESTMENT
EXPERIENCE OF A SEPARATE ACCOUNT, ARE VARIABLE AND ARE NOT GUARANTEED AS TO
FIXED DOLLAR AMOUNT. THIS CERTIFICATE CONTAINS A MARKET VALUE ADJUSTMENT
FORMULA. APPLICATION OF A MARKET VALUE ADJUSTMENT MAY RESULT IN EITHER AN
INCREASE OR DECREASE IN THE CURRENT VALUE. THE MARKET VALUE ADJUSTMENT FORMULA
DOES NOT APPLY TO A GUARANTEED TERM AT THE TIME OF ITS MATURITY.
GP2CERT(4/94)
<PAGE>
Table of Contents
	Page
Right to Cancel	1
Contract Schedule	4
Separate Account	4
AICA Guaranteed Account (AG Account)	4
Separate Account and AG Account	4
Fixed Annuity	6
Section 1. Definitions	7
Section 2. General Provisions	9
The Contract	9
Certificates	9
Nonparticipating Contract	9
Misstatements and Adjustments	9
Reports	9
Premium Taxes	9
Protection of Proceeds	9
Evidence of Survival	9
Proof of Age	9
Change of Contract	9
Section 3. Ownership	10
Group Contract Holder	10
Certificate Holder Rights	10
Transfer of Ownership	10
Section 4. Beneficiary Provisions	11
Beneficiary	11
Change of Beneficiary	11
Death of Beneficiary	11

Page 2 of 23

Section 5. Purchase Payments	11
Purchase Payments	11
Allocation of Purchase Payments	11
Section 6. Separate Account	12
General	12
Investment Allocations to the Separate Account	12
Valuation of Assets	12
Accumulation Unit	12
Net Return Factor for Each Valuation Period	12
Administrative Charge	13
Mortality Risk Charge	13
Expense Risk Charge	13
Mortality and Expense Guarantee	13
2
<PAGE>
	Page
Section 7. AG Account	13
AG Account Guaranteed Interest Rate	13
Deposit Period	13
Guaranteed Term	13
Guaranteed Term(s) Groups	14
Maturity Date	14
Allocation of Net Purchase Payments to the AG Account	14
AG Account Guaranteed Term Maturity Date and Maturity Value	14
Transfers from the AG Account	14
Withdrawals from the AG Account	14
Reinvestment	14
AG Account Market Value Adjustment (Factor)	15

Section 8. Certificate Holder's Account Value; Transfers and Withdrawals
During the Accumulation Period	16
Certificate Holder's Account Value	16
Transfers During the Accumulation Period	16
Withdrawals During the Accumulation Period	16
Deferred Sales Charge	16
Waiver of Deferred Sales Charge	17
Payment of Adjusted Certificate Holder Account Value	17
Systematic Withdrawal Option (SWO)	17
Section 9. Maintenance Charge	18
Maintenance Charge	18
Section 10. Proceeds Payable on Death	18
Death of the Certificate Holder Prior to the Annuity Date	18
Death Benefit Amount Prior to the Annuity Date	18
Death Benefit Payment Methods	20
Death of Certificate Holder On or After the Annuity Date	20
Death of the Annuitant	20
Section 11. Delay of Payments	20
Delay of Payments	20
Section 12. Annuity Provisions	21
Designation of Annuitant	21
Terms of Annuity Options	21
Annuity Unit	22
Annuity Unit Value	23
Annuity Net Return Factor	23
Annuity Options	23
3
<PAGE>

Contract Schedule

Separate Account

- --------------------------------------------------------------------------------

Separate Account:	Variable Account I
Charges to the Separate	A daily charge is deducted from the assets of the
Account:	Separate Account. The deduction is the daily
	equivalent of the annual effective percentage
	shown below:
	(a) During the Accumulation Period:
	Administrative Charge	0.15%
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	Mortality Risk Charge	0.35%
	Expense Risk Charge	0.90%
	TOTAL Separate Account Charges During
	Accumulation Period	1.40%
(b)	During the Annuity Period
	Administrative Charge Not To Exceed	0.25%
	Mortality Risk Charge	0.35%
	Expense Risk Charge	0.90%
	TOTAL Maximum Separate Account Charges
	During Annuity Period	1.50%

AICA Guaranteed Account (AG Account)

- --------------------------------------------------------------------------------

Minimum Guaranteed	3.0%
Interest Rate
(effective annual rate of
return):

Separate Account and AG Account

- --------------------------------------------------------------------------------

Minimum Initial Purchase Payment: Minimum Subsequent Purchase Payment: Maximum Subsequent Purchase Payment: Transfers: $1,500 $500 or $50 per month if paid by an automatic check plan $500,000 without Home Office approval We allow an unlimited number of transfers during the Accumulation Period. Twelve (12) transfers in any calendar year are free. Thereafter, We reserve the right to charge a transfer charge up to $10 for each subsequent transfer.

4

<PAGE>

Maintenance Charge:	The annual maintenance charge is $30. If the
	Certificate Holder's Account is $50,000 or more on
	the date the maintenance charge is to be deducted,
	the maintenance charge is $0.
Deferred Sales	For each withdrawal from a Certificate Holder's
Charge:	Account, a deferred sales charge for each Net
	Purchase Payment will be determined as follows:
	Years from Receipt of	Deferred
	Net Purchase Payment	Sales Charge
	0-1	7%
	1-2	6%
	2-3	5%
	3-4	4%
	4-5	3%
	5-6	2%
	6-7	1%
	7+	0%
Waiver of Deferred	Section 8.05 provides for the following:
Sales Charge:

(c)	At least 12 months after the date of the first Purchase Payment in an amount equal to or less than 15% of the Certificate Holder's Account Value.
(d)	For a full withdrawal where the Certificate Holder's Account Value does not exceed $2,500 and no withdrawals have been taken from the Certificate Holder's Account within the prior 12 months.

Systematic	(a) Specified Payment - Maximum Percentage:	10%
Withdrawal Option:
	(b) Specified Period - Minimum Period:	10 years
	(c) Specified Percentage - Maximum Percentage: 10%
Death Benefit Factor:	4%
Death Benefit	There is no maximum death benefit amount.
Maximum Amount:
Death Benefit	85 years
Maximum Age:
Fund for Allocation of	Federated Prime Money Fund II
Excess Guaranteed Death
Benefit Value:
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Page 4 of 23

Latest Annuity Date:

The Certificate Holder's 90th birthday.

5

<PAGE>

Fixed Annuity

- --------------------------------------------------------------------------------

Minimum Guaranteed		3.0%
Interest Rate
(effective annual rate
of return):
			6
<PAGE>
Section 1.	Definitions

• --------------------------------------------------------------------------------

• Accumulation Period - The period during which one or more Net

Purchase Payments applied to a Certificate Holder's Account
accumulate to provide future Annuity payments.

1.02	Accumulation Unit - A measure of the net investment results for each variable investment option during the Accumulation Period.
	The Accumulation Units for the applicable Funds are used to calculate the portion of a Certificate Holder's Account Value attributable to a Separate Account during the Accumulation Period.
1.03	Adjusted Certificate Holder Account Value - The Certificate Holder's Account Value, plus or minus any aggregate AG Account Market Value Adjustment.
1.04	Annuitant - The natural person on whose life an Annuity payment is based.
1.05	Annuity - A series of payments We make for life, a definite period or a combination of the two.
1.06	Annuity Date - The date on which Annuity payments commence.
1.07	Annuity Options - Annuity payment methods available during the Annuity Period.
1.08	Annuity Period - The period of time during which Annuity payments are made.
1.09	Annuity Unit - A measure of the net investment results for each variable investment option during the Annuity Period. Annuity Units are used to calculate the amount of each variable Annuity payment.
1.10	Beneficiary - The person(s) entitled to receive any death benefit under the Certificate Holder's Account. Upon the death of a joint Certificate Holder, the surviving joint Certificate Holder, if any, is treated as the Beneficiary. Any other Beneficiary designation on record with Us at the time of death is treated as a contingent Beneficiary.
1.11	Certificate - The document issued to a Certificate Holder to evidence a Certificate Holder's Account established under the group Contract.
1.12	Certificate Holder - A person who has established a Certificate
Holder's	Account under a group Contract. We reserve the right to
limit	ownership to natural persons. If more than one Certificate
Holder	owns an Account, each Certificate Holder shall be a joint
Certificate	Holder. Any joint Certificate Holder must be the
spouse	of the other joint Certificate Holder. Joint Certificate
Holders	have joint ownership rights and both must authorize any
exercising	of those ownership rights unless otherwise allowed by
Us.
1.13	Certificate Holder's Account - A record We establish for each
Certificate	Holder to maintain values under a group Contract.
1.14	Certificate Holder's Account Value - The dollar value as of any
Valuation	Period of all amounts accumulated in a Certificate
Holder's	Account.

7

<PAGE>

1.15	Contract - This agreement between the Group Contract Holder and Us.
1.16	Effective Date - The date a Certificate is issued to a Certificate Holder.
1.17	Fund - One of the variable investment options which may be

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Page 5 of 23

selected by a Certificate Holder.

1.18	General Account - The General Account is made up of all of our general assets other than those allocated to the separate accounts.
1.19	AICA Guaranteed Account (AG Account) - An investment option where We guarantee specified rate(s) of interest for specified periods of time. The AG Account is a separate account established by Us in accordance with the provisions of the Connecticut General Statutes Section 38a-433. Certificate Holders do not participate in the investment gain or loss from the assets held in the AG Account. Assets in the AG Account may be charged with liabilities arising out of any other business We may conduct.
1.20	Group Contract Holder - The entity to which a group Contract is issued.
1.21	Home Office - Our headquarters, located at 151 Farmington Avenue, Hartford, CT 06156.
1.22	Market Value Adjustment - An adjustment to any withdrawal made from the AG Account before the end of a guaranteed term as stated in Section 7.11.
1.23	Net Purchase Payment - The Purchase Payment less premium taxes, if applicable.
1.24	Purchase Payment - The gross payment accepted by Us and allocated to the Certificate Holder's Account. We reserve the right to refuse to accept any Purchase Payment at any time for any reason.
1.25	Separate Account - A separate account that buys and holds shares of the Fund(s). Income, gains or losses, realized or unrealized, are credited or charged to the Separate Account without regard to Our other income, gains or losses. We own the assets held in the Separate Account and are not a trustee as to such amounts. The
Separate	Account generally is not guaranteed and is held at
market	value. The name of the Separate Account is shown on the
Contract	Schedule. The assets of the Separate Account, to the
extent	of reserves and other Contract liabilities of the Separate
Account,	will not be charged with Our other liabilities.
1.26	Valuation Period - The period of time for which a Fund determines
its	net asset value, usually from 4:15 p.m. Eastern time each day
the	New York Stock Exchange is open until 4:15 p.m. the next such
business	day, or such other day that one or more of the Funds
determines	its net asset value. The assets of the Separate
Account	are not chargeable with the liabilities arising out of
any	other business We may conduct.
1.27	Variable Annuity Contract - An Annuity Contract providing for the
accumulation	of value and/or for Annuity payments which vary in
amount	based on investment results.

8

<PAGE>

Section 2.

General Provisions

• --------------------------------------------------------------------------------

• The Contract - The entire Contract consists of this Contract and

any attached applications or endorsements.

2.02	Certificates - A Certificate is issued to each Certificate Holder whose Purchase Payment(s) is accepted by Us. The Certificate evidences a Certificate Holder's Account established under the Contract. Certificates are not part of the Contract.
2.03	Nonparticipating Contract - Neither the Group Contract Holder, Certificate Holder nor any Beneficiary have a right to share in our earnings.
2.04	Misstatements and Adjustments - If We learn that the age of any Annuitant or second Annuitant is misstated, the correct age will be used to adjust payments. We reserve the right to request reimbursement or adjust future payments for any amount overpaid.
	We will pay the amount of any underpayment.
2.05	Reports - We furnish each Certificate Holder with a report showing the Certificate Holder's Account Value at least once each calendar year. We also furnish an annual report of the Separate Account.
2.06	Premium Taxes - Any premium taxes paid to any governmental entity are charged against Purchase Payments or a Certificate Holder's Account. We may, at our sole discretion, pay premium taxes when due and deduct that amount from the Certificate Holder's Account at a later date. Payment at an earlier date does not waive any right We may have to deduct amounts at a later date.
2.07	Protection of Proceeds - To the extent permitted by law, all

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Page 6 of 23

payments under this Contract to a Certificate Holder or
Beneficiary shall be free from legal process and the claim of any
creditor.

2.08	Evidence of Survival - The Company may require satisfactory evidence of the continued survival of any person(s) on whose life Annuity payments are based.
2.09	Proof of Age - The Company may require evidence of age of any Annuitant under Annuity Options 2 and 3 and of the designated second Annuitant under Annuity Option 3.
2.10	Change of Contract - Only our authorized officers may change the terms of this Contract. We will notify the Group Contract Holder in writing at least 30 days before the effective date of any change. Any change will not affect the amount or terms of any Annuity which begins before the change.
	We may make any change that affects the AG Account Market Value Adjustment with at least thirty (30) days' advance written notice to the Group Contract Holder and the Certificate Holder. Any such change shall become effective for any new guaranteed term and will apply to all present and future Certificate Holders' Accounts.
	We reserve the right to change the terms of the Systematic Withdrawal Option for future elections and discontinue the availability of this option.

9

<PAGE>

Any change to any of the following provisions under this Contract
will not apply to Certificate Holder's Accounts in existence
before the effective date of the change:

(a)	Net Purchase Payment (1.23)
(b)	AG Account Guaranteed Interest Rate (7.01)
(c)	Net Return Factor (6.05)
(d)	Certificate Holder's Account Value (1.14)
(e)	Deferred Sales Charge (8.04)
(f)	Annuity Unit Value (12.04)
(g)	Annuity Options (12.06)
(h)	Fixed Annuity Interest Rates (12.01)
(i)	Transfers (8.02).

Any change that affects the Annuity Option and the tables for the
Annuity Options may be made:

(a)	No earlier than twelve (12) months after the Effective Date; and
(b)	No earlier than twelve (12) months after the effective date of any prior change.

Any Certificate Holder's Account established on or after the
effective date of any change will be subject to the change. If
the Group Contract Holder does not agree to any change under this
provision, We reserve the right to not allow any new Certificate
Holder's Accounts to be established under this Contract. This
Contract may also be changed as deemed necessary by Us to comply
with federal or state law.

Section 3.

Ownership

• --------------------------------------------------------------------------------

• Group Contract Holder - The Group Contract Holder has title to

the Contract. The Contract and any amounts accumulated thereunder
are not subject to the claims of the Group Contract Holder nor
any of its creditors.

3.02	Certificate Holder Rights - The Certificate Holder has all
	interest	and right to amounts held in his or her Certificate
	Holder's	Account. The Certificate Holder and any joint
	Certificate	Holder are named on the Specifications page. The
	Certificate	Holder and any joint Certificate Holder may exercise
	all	the rights under the Certificate Holder's Account, subject to
	the	rights of:
	(a)	Any assignee under an assignment filed at our Home Office; and
	(b)	Any irrevocably named Beneficiary.
	Upon	the death of a Certificate Holder prior to the Annuity Date,
	a	spousal Beneficiary may elect to continue the Certificate
	Holder's	Account in his or her own name and retain all ownership
	rights	and privileges or take distribution of the death benefit
	as	defined in Section 10.
3.03	Transfer of Ownership - The Group Contract Holder may transfer
	ownership	of this Contract. A written request, dated and signed,
	must	be filed at our Home Office.
	Any	transfer of ownership terminates the interest of any existing

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Group Contract Holder. It does

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<PAGE>

not change the rights of any Certificate Holder.

A Certificate Holder may transfer all of his or her rights under
the Contract. A written request, dated and signed by the
Certificate Holder and any joint Certificate Holder, must be
filed at our Home Office. After the transfer is recorded, it will
take effect as of the date the request was signed. Any such
transfer terminates the interest of any existing Certificate
Holder. It does not change the Beneficiary, nor transfer the
Beneficiary's interest. A transfer will not affect any payments
We may make or actions We may take before such transfer has been
recorded at our Home Office.

Section 4.

Beneficiary Provisions

• --------------------------------------------------------------------------------

• Beneficiary - The Certificate Holder may name a Beneficiary and

a contingent Beneficiary. At the death of the Certificate Holder
prior to the Annuity Date, the Beneficiary(ies) named in our
records will receive a death benefit as stated in Section 10.
Upon the death of either joint Certificate Holder prior to the
Annuity Date, the surviving joint Certificate Holder, if any,
will be treated as the designated Beneficiary and any other
Beneficiary designation on record with Us at the time of death is
treated as a contingent Beneficiary.

4.02

Change of Beneficiary - The Certificate Holder may change the Beneficiary. A written request, dated and signed by the Certificate Holder, must be filed at our Home Office. If there are joint Certificate Holders, both must sign the request. After the change is recorded, it will take effect as of the date the request was signed. If the request reaches our Home Office and is recorded after the Certificate Holder dies, but before any payment is made, the change is valid.

4.03

Death of Beneficiary - If all of the Beneficiaries and contingent Beneficiaries die prior to the Certificate Holder's death, We pay the death benefit in one sum to the Certificate Holder's estate.

Section 5.

Purchase Payments

• --------------------------------------------------------------------------------

• Purchase Payments - Subject to the maximum and minimum shown on

the Contract Schedule, the Certificate Holder may determine the
amount and frequency of Purchase Payments. We reserve the right
not to accept any Purchase Payment. We will declare from time to
time the acceptability of additional Purchase Payments.

5.02	Allocation of Purchase Payments - The Certificate Holder may
	elect	to have each Net Purchase Payment accumulate:
	(a)	On a variable basis invested in shares of one or more Funds in which the Separate Account invests;
	(b)	For guaranteed terms offered in the current deposit period(s) under the AG Account; or
	(c)	In a combination of any of the available investment options.
	Net	Purchase Payments must be allocated in whole percentages. For
	subsequent	Purchase Payments, if no allocation instructions are
	received	with the Purchase Payment, the allocation will be as
	indicated	in the most recent directive from the Certificate
	Holder.	If the same

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guaranteed term(s) are not available, the next shortest will be
used. If no shorter guaranteed term is available, the next longer
guaranteed term will be used.

Section 6.

Separate Account

• --------------------------------------------------------------------------------

• General - The assets of the Separate Account, equal to the

reserves and other Contract liabilities that depend on the
investment performance of the Separate Account are not chargeable
with liabilities arising out of any other business We may
conduct. Income, gains or losses of the Separate Account,
realized or unrealized, are credited to or charged against the
assets of the Separate Account without regard to Our other
income, gains or losses.

6.02      Investment Allocations to the Separate Account - The assets of the Separate Account are segregated by Fund. If the shares of any Fund are no longer available for investment by the Separate

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Account or if in our judgment, further investment in such shares
should become inappropriate in view of the purpose of the
Contract, We may cease to make such Fund shares available for
investment under the Contract prospectively, or We may substitute
shares of another Fund for shares already acquired. We may also,
from time to time, add additional Funds. Any elimination,
substitution or addition of Funds will be done in accordance with
applicable state and federal securities laws. We reserve the
right to substitute shares of another Fund for shares already
acquired without a proxy vote.

6.03	Valuation of Assets - The shares of the Funds will be valued at
	their	net asset value at the end of each Valuation Period.
6.04	Accumulation Unit - A Net Purchase Payment that is allocated to
	one	or more Funds is credited to the Certificate Holder's Account
	as	Accumulation Units. The number of Accumulation Units credited
	is	determined by dividing the applicable portion of the Net
	Purchase	Payment by the Accumulation Unit value for the
	appropriate	Fund. The Accumulation Unit value used is that which
	is	computed for the next Valuation Period after which the
	Purchase	Payment is received at our Home Office. Accumulation
	Units	attributable to the initial Purchase Payments will be
	credited	within two business days of acceptance.
	Accumulation	Unit values may increase or decrease from Valuation
	Period	to Valuation Period.
6.05	Net Return Factor for Each Valuation Period - The value of an
	Accumulation	Unit for any Valuation Period is calculated by
	multiplying	the Accumulation Unit value for the immediately
	preceding	Valuation Period by the net return factor of the
	appropriate	Fund for the current period.
	The	net return factor for each Fund is equal to 1.0000000 plus
	the	net return rate.
	The	net return rate equals:
	(a)	The value of the shares of the Fund held by the Separate Account at the end of a Valuation Period; minus
	(b)	The value of the shares of the Fund held by the Separate Account at the start of the Valuation Period; plus or minus

12

<PAGE>

(c)	Taxes (or reserves for taxes) on the Separate Account (if any); divided by
(d)	The total value of the Funds(s) Accumulation Units and Fund(s) Annuity Units of the Separate Account at the start of the Valuation Period; minus
(e)	A daily actuarial charge as shown on the Contract Schedule for Annuity mortality and expense risks and profit and a daily administrative charge.

The net return rate may be more or less than zero (0) percent.

The value of a share of the Fund is equal to the net assets of
the Fund divided by the number of shares outstanding.

6.06	Administrative Charge - We deduct an administrative charge equal, on an annual basis, to the amount shown on the Contract Schedule.
6.07	Mortality Risk Charge - We deduct a mortality risk charge equal, on an annual basis, to the amount shown on the Contract Schedule.
6.08	Expense Risk Charge - We deduct an expense risk charge equal, on an annual basis, to the amount shown on the Contract Schedule.
6.09	Mortality and Expense Guarantee - We guarantee that the dollar amount of each Annuity payment after the first will not be affected by variations in mortality or expense experience.

Section 7.

AG Account

• --------------------------------------------------------------------------------

• AG Account Guaranteed Interest Rate - All amounts allocated to

the AG Account earn a rate of interest that is guaranteed for a
specified period of time. The rate will be credited daily and
will never be less than the minimum guaranteed interest rate
shown on the Contract Schedule. We determine the rate and it is
not based on investment experience.

	For guaranteed terms of one year or less, one guaranteed interest
	rate is credited for the full guaranteed term. For longer
	guaranteed terms, an initial guaranteed interest rate is credited
	from the date of deposit to the end of a specified period within
	the guaranteed term. There may be different guaranteed interest
	rate(s) declared for subsequent specified time intervals
	throughout the guaranteed term.
7.02	Deposit Period - A calendar week, a calendar month, a calendar
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quarter, or any other period of time We specify during which Net
Purchase Payment(s), transfers and reinvestments are accepted
into the AG Account for one or more guaranteed terms. We reserve
the right to extend the deposit period.

7.03      Guaranteed Term - The period of time for which AG Account guaranteed interest rates are guaranteed on Net Purchase Payments. Transfers and reinvestments are made into a current deposit period for the AG Account. Such period begins on the day following the close of the deposit period and ends on the designated Maturity Date. Guaranteed terms, if any, are offered at our discretion for various lengths of time ranging up to and including ten years.

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During a deposit period, We may make available any number of
guaranteed terms. The Certificate Holder may allocate Net
Purchase Payments and transfers into any or all of the available
guaranteed terms.

7.04	Guaranteed Term(s) Groups - All AG Account guaranteed term(s)
	with	the same length of time from the close of the deposit period
	until	the designated Maturity Date.
7.05	Majority Date - The last day of a guaranteed term.
7.06	Allocation of Net Purchase Payments to the AG Account - When the
	Certificate	Holder wishes to allocate all or any portion of a Net
	Purchase	Payment to the AG Account, he or she must tell Us the
	percentage	to apply to one or more of the AG Account guaranteed
	term(s)	available during the current deposit period. If no
	allocation	instructions are received, a Net Purchase Payment is
	allocated	as indicated in the most recent directive from the
	Certificate	Holder. If the same guaranteed term is not available
	for	any amount allocated to the AG Account, We will allocate the
	amount	to the next shortest guaranteed term available. If no
	shorter	guaranteed term is available, We will allocate it to the
	next	longest guaranteed term.
7.07	AG Account Guaranteed Term Maturity Date and Maturity Value - On
	the	maturity date, the value of the total of all amounts
	allocated	to that guaranteed term is called the maturity value.
	When	Certificate Holders have assets in the AG Account, at least
	eighteen	(18) days before a maturity date, We notify them of the:
	(a)	Projected maturity value; and
	(b)	Guaranteed terms and the applicable guaranteed interest rates available during the current deposit period.
	When	no allocation instructions are received and the assets in a
	guaranteed	term have been reinvested by Us in another guaranteed
	term	on the maturity date, the Certificate Holder may transfer or
	withdraw,	during the month following the maturity date, the
	reinvested	amount with interest earned (as of the date the
	request	is received at our Home Office) without incurring a
	Market	Value Adjustment. This transaction is allowed only once
	for	each maturity date, regardless of whether the transfer or
	withdrawal	is partial or full.
7.08	Transfers from the AG Account - A Certificate Holder may transfer
	any	portion, or all, of an amount in the AG Account to one or
	more	of the Funds or to another available guaranteed term. The
	amount	withdrawn for any reason before the maturity date is
	subject	to a Market Value Adjustment.
7.09	Withdrawals from the AG Account - When the Certificate Holder
	requests	a withdrawal from the AG Account, if instructions are
	not	provided by the Certificate Holder, amounts are withdrawn on
	a	pro rata basis from the guaranteed term(s) groups in which the
	Certificate	Holder's Account is currently invested. Within a
	guaranteed	term group, the amount to be withdrawn will be
	withdrawn	first from the oldest deposit period. Except on the
	maturity	date, withdrawals from the AG Account will be subject to
	a	Market Value Adjustment.
7.10	Reinvestment - We will mail a notice to the Certificate Holder
	before	a guaranteed term's

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maturity date. This notice will contain the guaranteed terms
available during the current deposit periods with their
guaranteed interest rate(s) and projected maturity value. If no
specific direction is given by the Certificate Holder prior to
the maturity date, each maturity value will be reinvested in the
current deposit period for a guaranteed term of the same
duration. If a guaranteed term of the same duration is
unavailable, each matured term value will automatically be
reinvested in the current deposit period for the next shortest
guaranteed term available. If no shorter guaranteed term is
available, the next longer guaranteed term will be used. We will

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mail a confirmation statement to the Certificate Holder after the
maturity date. This notice will state the guaranteed term and
guaranteed interest rate(s) which will apply to the reinvested
matured term value.

7.11

AG Account Market Value Adjustment (Factor) - The Market Value Adjustment factor (MVA factor) reflects any change in interest rates from the time assets are allocated to the AG Account to the time they are transferred or withdrawn. An MVA factor is applied to any amount withdrawn or transferred from the AG Account before the end of a guaranteed term, including amounts paid in a lump sum death benefit or applied to an Annuity Option.

The amount withdrawn from the AG Account is multiplied by the MVA factor which is calculated as follows:

x
---
365

(1 + i)
--------------------
x
---
365
(1 + j)

Where:

i is the Deposit Period Yield
j is the Current Yield
x is the number of days remaining, (computed from
Wednesday of the week of withdrawal) in the
guaranteed Term.

Determination of MVA factor parameters:

A yield is computed at the close of the last business day of each
week of the deposit period. The yield will equal the average of
the yields on U.S. Treasury Notes which matured during the last
three months of the applicable guaranteed term.

The deposit period yield is the average of those yields for the
deposit period. If withdrawal is made prior to the close of the
deposit period, it is the average of those yields on each week
preceding withdrawal.

The current yield is the average of the yields on the last
business day of the week preceding withdrawal on the same U.S.
Treasury Notes included in the deposit period yield.

If no U.S. Treasury Notes matured during the last three months of
the guaranteed term, We reserve the right to use the average of
the yields on U.S. Treasury Notes that mature during a

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<PAGE>

following quarter.

Section 8. Certificate Holder's Account Value; Transfers and Withdrawals During the Accumulation Period

• --------------------------------------------------------------------------------

• Certificate Holder's Account Value - The value of a Certificate

Holder's Account is determined by adding the value of the total
of Accumulation Units attributed to the selected Fund(s) to the
value of any amounts attributed to the AG Account.

8.02	Transfers During the Accumulation Period - Before the Annuity
	Date,	the Certificate Holder may transfer from any Fund or
	guaranteed	term of the AG Account to:
	(a)	Any other Fund; or
	(b)	Any guaranteed term of the AG Account available in the current deposit period.
	Transfer	requests can be submitted as a percentage or as a dollar
	amount.	We may establish a minimum transfer amount. Within a
	guaranteed	term group, the amount transferred is withdrawn first
	from	the oldest deposit period, then from the next oldest, and so
	on	until the amount requested is satisfied.
	The	Certificate Holder may make an unlimited number of transfers
	during	the Accumulation Period. The number of free transfers
	allowed	is shown on the Contract Schedule. Transfers in excess of
	that	number may be subject to the transfer charge shown on the
	Contract	Schedule. Transfers of a matured term value from the AG
	Account	on or within one calendar month after a guaranteed term's
	maturity	date do not count against the annual transfer limit.
	Amounts	applied to guaranteed terms of the AG Account may not be
	transferred	to the Funds or to another guaranteed term during the

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deposit period or for 90 days after the close of the deposit
period except for matured term value(s) during the calendar month
following the guaranteed term's maturity date.

Transfers from guaranteed terms of the AG Account are subject to
a Market Value Adjustment.

8.03	Withdrawals During the Accumulation Period - The Certificate Holder may withdraw all or a portion of the Certificate Holder's Account Value during the Accumulation Period by properly completing a withdrawal request form. Withdrawal requests can be submitted as a percentage or as a specific dollar amount. Net Purchase Payment amounts are withdrawn first, and then the excess value, if any. For any partial withdrawal, if instructions are not provided by the Certificate Holder, amounts are withdrawn on a pro rata basis from the Fund(s), and/or the guaranteed term(s) groups in which the Certificate Holder's Account is currently invested. Within a guaranteed term group, the amount to be withdrawn will be withdrawn first from the oldest deposit period, then from the next oldest, and so on until the amount requested is satisfied.
	After deduction of the maintenance charge, if applicable, the withdrawn amount shall be reduced by the applicable deferred sales charge and any applicable premium taxes.
8.04	Deferred Sales Charge - The deferred sales charge only applies to the portion of the amount

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<PAGE>

withdrawn attributable to Net Purchase Payment(s) and varies
according to the elapsed time since receipt of the Purchase
Payment. The deferred sales charge is shown on the Contract
Schedule.

8.05	Waiver of Deferred Sales Charge - No deferred sales charge is
	deducted	when a Certificate Holder's Account Value is paid:
	(a)	To a Beneficiary as a death benefit, except for Purchase
		Payments	made by a surviving joint Certificate Holder as
		described	in Section 10.02(b);
	(b)	As a premium for an Annuity Option;
	(c)	At least the number of months, as shown on the Contract
		Schedule,	after the date of the first Purchase Payment and
		in	an amount equal to or less than the percentage of the
		Certificate	Holder's Account Value as shown on the Contract
		Schedule.	This applies to the first withdrawal request,
		partial	or full, in a calendar year. The Certificate
		Holder's	Account Value is calculated as of the date the
		withdrawal	request is received in good order at our Home
		Office.	This waiver is not available to the Certificate
		Holder	while a SWO is in effect;
	(d)	For a full withdrawal where the Certificate Holder's
		Account	Value does not exceed the amount shown on the
		Contract	Schedule and no withdrawals have been taken from
		the	Certificate Holder's Account within the prior 12 months;
		(e)	For a distribution made by Us under Section 8.06; or (f)
		For	a distribution which is part of a SWO under Section
		8.07.
	We	reserve the right to allow the proceeds of a total withdrawal
	to	be reinstated under the terms and conditions as established by
	Us	from time to time.
8.06	Payment of Adjusted Certificate Holder Account Value - Upon 90
	day's	written notice to the Certificate Holder, We will terminate
	any	Certificate Holder's Account if the Certificate Holder's
	Account	Value becomes less than $1,500 immediately following any
	partial	withdrawal. We do not intend to exercise this right in
	cases	where the Certificate Holder's Account Value is reduced to
	$1,500	or less solely due to investment performance. When We make
	a	distribution pursuant to this provision, the deferred sales
	charge	will not be deducted.
8.07	Systematic Withdrawal Option (SWO) - We will allow the
	Certificate	Holder to establish a schedule of withdrawals to be
	made	automatically from the Certificate Holder's Account Value.
	All	distributed amounts will be withdrawn on a pro rata basis
	from	the Fund(s) and/or the guaranteed term(s) groups of the AG
	Account	in which the Certificate Holder's Account is invested.
	The	Certificate Holder must elect one of the following SWO
	methods:
	(a)	Specified Payment: Payments of a designated dollar amount.
		The	annual amount may not be greater than the percentage of
		the	Certificate Holder's Account Value at time of the
		election	as shown on the Contract Schedule. This annual
		dollar	amount will remain constant. At our discretion, We
		may	require a minimum payment amount; or
	(b)	Specified Period: Payments which are made over a period of

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time which must be at least the minimum period as shown on
the Contract Schedule. The annual amount paid each

17

<PAGE>

year is calculated by dividing the Certificate Holder's
Account Value as of December 31 of the prior year by the
number of payment years remaining; or

(c)      Specified Percentage: Payment of a designated percentage which cannot be greater than the percentage of the Certificate Holder's Account Value at the time of election as shown on the Contract Schedule. The percentage may be changed by written request. We reserve the right to limit the number of times the percentage may be changed. The annual amount is calculated by multiplying the Certificate Holder's Account Value as of December 31 of the year prior to the payment by the designated percentage.

In our discretion, We may require a minimum initial Certificate
Holder's Account Value for election of this option. SWO may be
elected by submitting a completed and signed election form to Us.
Once elected, this option may be revoked by submitting a written
request to Us. SWO may be elected only once by the Certificate
Holder or by a spousal Beneficiary.

Certificate Holders should consult their tax adviser prior to
requesting this distribution option. We are not responsible for
any adverse tax consequences due to a Certificate Holder's
receiving SWO payments. A ten (10) percent penalty tax may apply
to distributions to a Certificate Holder who has not reached age
59-1/2. Upon death of the Certificate Holder, any payments will
be made under the terms of Section 10.

Section 9.

Maintenance Charge

• --------------------------------------------------------------------------------

• Maintenance Charge - We will deduct an annual maintenance charge

as shown in the Contract Schedule from the Certificate Holder's
Account during the Accumulation Period. We will deduct the
maintenance charge on the anniversary of the Effective Date of
the Certificate for the Certificate Holder's Account. This
maintenance charge is also deducted upon withdrawal of the entire
Adjusted Certificate Holder's Account. The maintenance charge is
deducted proportionately from each investment option used.

Section 10.

Proceeds Payable on Death

• --------------------------------------------------------------------------------

• Death of the Certificate Holder Prior to the Annuity Date - In

the event of the death of the Certificate Holder or a joint
Certificate Holder prior to the Annuity Date, a death benefit is
payable to the Beneficiary(ies) designated by the Certificate
Holder. Upon the death of a joint Certificate Holder, the
surviving joint Certificate Holder, if any, will be treated as
the designated Beneficiary. Any other Beneficiary designation on
record with Us at the time of death will be treated as a
contingent Beneficiary.

A Beneficiary may request We pay the death benefit under one of
the options described in Section 10.03. If the Beneficiary is the
spouse of the Certificate Holder, he or she may elect to continue
the Certificate Holder's Account in his or her own name and
exercise all the Certificate Holder's rights under the Contract.

10.02 Death Benefit Amount Prior to the Annuity Date -

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<PAGE>

(a) Except as set forth in Section 10.02(b), the amount of the
guaranteed death benefit value is equal to the greater of:

(i)	The Certificate Holder's Account Value at the end of the Valuation Period during which We receive at our Home Office due proof of death and election of the type of payment to be made; or
(ii)	The death benefit determined as of the Valuation Period corresponding to the date of death.
	Until the first Effective Date anniversary, the death benefit is equal to the Purchase Payments made by the Certificate Holder prior to the Effective Date anniversary less any withdrawals and any amounts applied to an Annuity Option.
	For each Certificate year thereafter, the death benefit during the Certificate year equals the death benefit at the beginning of the Certificate year plus Purchase

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Payments made during the year less any withdrawals and
any amounts applied to an Annuity Option.

On each Effective Date anniversary, the death benefit
is determined as follows:

(A)	The death benefit on the previous Effective Date anniversary increased by the death benefit factor shown on the Contract Schedule; plus
(B)	Purchase Payments made by the Certificate Holder during the Certificate year increased by the death benefit factor shown on the Contract Schedule for the portion of the year since the Purchase Payment was made; less
(C)	Any withdrawals or amounts applied to an Annuity Option during the Certificate year increased by the death benefit factor shown on the Contract Schedule for the portion of the Certificate year since the withdrawal or election of Annuity option; or

(iii)      The Certificate Holder's Account Value on the most recent seventh year anniversary of the Effective Date plus any Purchase Payments made after such Effective Date anniversary less any withdrawals and any amounts applied to an Annuity Option.

Notwithstanding the foregoing, the death benefit under (ii)
or (iii) will not exceed the death benefit maximum amount
shown on the Contract Schedule.

The death benefit calculation described in (ii) and (iii)
above, applies until the Certificate Holder reaches the
death benefit maximum age shown on the Contract Schedule.
Thereafter, the death benefit is only adjusted for Purchase
Payments, withdrawals and amounts applied to Annuity
Options. If the Certificate Holder reaches the death benefit
maximum age shown on the Contract Schedule prior to the
seventh anniversary of the Effective Date, the death benefit
will be the greater of (i) or (ii) above.

The excess, if any, of the guaranteed death benefit value
over the Certificate Holder's Account Value is determined
when we receive at our Home Office due proof of death and
allocated to the Fund shown on the Contract Schedule. The
Certificate Holder's Account

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<PAGE>

Value plus any excess amount deposited becomes the
Certificate Holder's Account Value.

(b)      In the case of a Beneficiary of a surviving joint Certificate Holder who continued the Certificate Holder's Account in his or her own name, the death benefit shall be equal to (a)(i) above less any applicable deferred sales charge on any Purchase Payment made after We have received at our Home Office due proof of death of the first joint Certificate Holder.

10.03	Death Benefit Payment Methods - A non-spousal Beneficiary must elect the death benefit to be paid under one of the following methods in the event of the death of the Certificate Holder prior to the Annuity Date:
	Method 1 - Lump sum payment of the death benefit; or
	Method 2 - The payment of the entire death benefit within (5) years of the date of the Certificate Holder's death; or
	Method 3 - Payment of the death benefit over the lifetime of the designated Beneficiary or over a period not extending beyond the life expectancy of the designated Beneficiary with distribution beginning within one year of the date of death of the Certificate Holder.
	Any portion of the death benefit not applied under Option 3 within one year of the date of Certificate Holder's death, must be distributed within five (5) years of the date of death. A Market Value Adjustment will apply at the time the death benefit is paid.
	A spousal Beneficiary may elect to continue the Certificate Holder's Account in his or her name, elect a lump sum payment of the death benefit or apply the Adjusted Certificate Holder's Account Value to an Annuity Option.
10.04	Death of Certificate Holder On or After the Annuity Date - If the Certificate Holder who is not the Annuitant, dies on or after the
Annuity	Date, the remaining payments under the Annuity Option
elected	will be made to the Beneficiary at least as rapidly as

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under the method of distribution in effect at the Certificate
Holder's death.

10.05      Death of the Annuitant - If the Annuitant, who is not a Certificate Holder, dies on or before the Annuity Date, a new Annuitant may be named. If no Annuitant is named, the Certificate Holder will be the Annuitant. If the Annuitant dies after the Annuity Date, the death benefit, if any, will be payable to the Beneficiary as specified in the Annuity Option elected. We will require proof of the Annuitant's death. Death benefits will be paid at least as rapidly as under the method of distribution in effect at the Annuitant's death.

Section 11.

Delay of Payments

• --------------------------------------------------------------------------------

• Delay of Payments - We will make any payments under this Contract

within seven days after a request is received in good order. We
reserve the right to suspend or postpone any type of payment from
the Separate Account for any period when:

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<PAGE>

(a)	The New York Stock Exchange is closed for other than customary weekend and holiday closings;
(b)	Trading on the Exchange is restricted;
(c)	An emergency exists as a result of which it is not reasonably practicable to dispose of securities held in the Separate Account or determine their value; or
(d)	The Securities and Exchange Commission so permits delay for the protection of security holders.

The applicable rules of the Securities and Exchange Commission
will govern as to whether the conditions in (b) or (c) exist.

We also reserve the right to delay any type of payment from the
AG Account for up to six (6) months.

Section 12.

Annuity Provisions

• --------------------------------------------------------------------------------

• Designation of Annuitant - The Certificate Holder and the

Annuitant need not be the same person. The Certificate Holder
names the Annuitant and during the Accumulation Period, may
change the designated Annuitant. We change the Annuitant when We
receive a written request in good order at our Home Office. We
will not change the Annuitant when Annuity payments have
commenced.

The Certificate Holder elects an Annuity Option by telling Us to
use all or any portion of the Certificate Holder's Adjusted
Account Value (minus any applicable premium taxes if not
previously deducted) to purchase Annuity payments under an
Annuity Option.

When an Annuity Option is chosen the Certificate Holder must
designate a:

(a)	Fixed Annuity using the General Account;
(b)	Variable Annuity using any of the Funds available during the Annuity Period; or
(c)	Combination of (a) and (b).

If a fixed Annuity is chosen, We will calculate the amount using
an interest assumption no less than the percentage specified on
the Contract Schedule. We may calculate the amount using a higher
interest rate.

If a variable Annuity is chosen, an Assumed Annual Net Return
Rate of 5% may be chosen. If not chosen, We will use an Assumed
Annual Net Return Rate of 3.5%.

Payments are made on a monthly basis to the Certificate Holder
unless the Certificate Holder requests a different mode of
payment.

Once elected, an Annuity Option may not be revoked, except for
Option 1 when elected on a variable basis.

12.02      Terms of Annuity Options - The minimum first payment amount must be at least $50 per month and at least $250 per year.

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<PAGE>

If the Certificate Holder elects a fixed Annuity and We determine
that the Certificate Holder would receive larger payments by
applying the Certificate Holder's Account Value, reduced by the
deferred sales charge, to a single premium immediate Annuity
currently offered by Us, We will make the larger payments.

We determine the first payment of a variable Annuity, or the

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Page 15 of 23

payment amount of a fixed Annuity, using the Annuitant's (and
second Annuitant's if applicable) adjusted age which We calculate
as follows:

(a)	If Annuity payments begin any time between July 1, 1992 and December 31, 1999, the adjusted age is the Annuitant's age as of the birthday closest in time to the Annuity Date reduced by one (1) year.
(b)	If the Annuity begins any time between January 1, 2000 and December 31, 2009, the adjusted age is the Annuitant's age as of the birthday closest in time to the Annuity Date reduced by two (2) years.
(c)	For each succeeding decade, the adjusted age is the Annuitant's age as determined in (b), reduced by one additional year.

The Annuity rates for Options 2 and 3 are based on mortality from
1983 Table A.

Assumed Annual Net Return Rate is the interest rate used to
determine the amount of the first Annuity payment under a
variable Annuity. The Separate Account must earn this rate plus
enough to cover the mortality and expense risks charges (which
may include profit) and administrative charges if future variable
Annuity payments are to remain level.

The Certificate Holder must give written notice to Us at least 30
days before the Annuity payments begin, electing or changing:

(a)	The date on which Annuity payments are to begin;
(b)	The Annuity Option;
(c)	Whether the payments are to be made monthly, quarterly, semiannually or annually; (d) The investment options used to provide Annuity payments.

The first Annuity payment may not be earlier than one (1)
calendar year after the initial Purchase Payment, nor later than
the later of the:

(a)	First day of the month following the Annuitant's birthday shown on the Contract Schedule; or
(b)	Tenth anniversary of the last Purchase Payment. In lieu of the election of an Annuity, the Certificate Holder may request a lump sum payment.

12.03	Annuity Unit - The number of Annuity Units per Fund is based on
	the	amount of the first variable Annuity payment which is equal
	to:
	(a)	The portion of the Certificate Holder's Account Value (minus any premium taxes) applied to pay a variable Annuity; divided by,

22

<PAGE>

(b)	1000; multiplied by,
(c)	The payment rate for the Annuity Option chosen.

Such amount, or portion, of the variable Annuity payment will be
divided by the Annuity Unit value for the appropriate Fund on the
tenth Valuation Period before the due date of the first payment
to determine the number of each Fund's Annuity Units. The number
of each Fund's Annuity Unit remains fixed. Each future payment is
equal to the sum of the products of each Fund's Annuity Unit
value multiplied by the appropriate number of units. The Fund's
Annuity Unit value on the tenth Valuation Period prior to the due
date of the payment is used.

12.04	Annuity Unit Value - For any Valuation Period, a Fund's Annuity
	Unit	value is equal to:
	(a)	The value for the previous Valuation Period; multiplied by,
	(b)	The Annuity Net Return Factor for the Valuation Period; multiplied by,
	(c)	A daily factor to reflect the Assumed Annual Net Return Rate (the factor for 3.5% per year is .9999058; for 5% per year it is .9998663).
	The	dollar value of a Fund(s) Annuity Unit values and payments
	may	go up or down due to investment gain or loss.
12.05	Annuity Net Return Factor - The Annuity net return factor is
	used	to compute all Separate Account Annuity payments for any
	Fund.
	The	Annuity net return factor(s) for each Fund is equal to
	1.0000000	plus the net return rate. The net return rate is equal
	to:
	(a)	The value of the shares of the Fund held by the Separate Account at the end of a Valuation Period; minus,
	(b)	The value of the shares of the Fund held by the Separate Account at the start of the Valuation Period; plus or minus,
	(c)	Taxes (or reserves for taxes) on the Separate Account (if

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Page 16 of 23

any); divided by

(d)	The total value of the Fund(s) Accumulation Units and Fund(s) Annuity Units of the Separate Account at the start of the Valuation Period; minus,
(e)	A daily actuarial charge as shown on the Contract Schedule for Annuity mortality and expense risks and profit and a daily administrative charge which will not exceed the administrative charge as shown on the Contract Schedule.

The net return rate may be more or less than zero (o) percent.

The value of a share of the Fund is equal to the net assets of
the Fund divided by the number of shares outstanding.

12.06      Annuity Options

Option 1 - Payments for a Stated Period of Time - An Annuity will
be paid for the number of years chosen. The number of years must
be at least 5 and not more than 30.

23

<PAGE>

If payments for this Annuity Option are made under a variable
Annuity, the present value of any remaining payments may be
withdrawn at any time.

Option 2 - Life Income - An Annuity will be paid for the life of
the Annuitant. If also chosen, We will guarantee payments for 60,
120, 180, or 240 months.

Option 3 - Life Income Based upon the Lives of Two Annuitants -
An Annuity will be paid during the lives of the Annuitant and a
second Annuitant. Payments will continue until both Annuitants
have died. When this Annuity Option is chosen, a choice must be
made of:

(a)	100% of the payment to continue after the first death;
(b)	66-2/3% of the payment to continue after the first death;
(c)	50% of the payment to continue after the first death;
(d)	Payments for a minimum of 120 months with 100% of the payment to continue after the first death; or
(e)	100% of the payment to continue at the death of the second Annuitant and 50% of the payment to continue at the death of the Annuitant.

We may make other options available as allowed by law.

24

<PAGE>

OPTION 1

Payments for a Stated Period of Time

Amount of First Monthly Payment for Each $1,000 After Deduction of any Charge for Premium Taxes

Rates for a Fixed Annuity with Guaranteed Interest Rate of 3.0%

- ---------------------------------------------------------------------------

	Guaranteed	Monthly	Quarterly	Semi-Annual	Annual
Years	Rate	Payment	Payment	Payment	Payment

- ---------------------------------------------------------------------------

5	3.00%	17.91	53.59	106.78	211.99
6	3.00%	15.14	45.30	90.27	179.22
7	3.00%	13.16	39.39	78.49	155.83
8	3.00%	11.68	34.96	69.66	138.31
9	3.00%	10.53	31.52	62.81	124.69
10	3.00%	9.61	28.77	57.33	113.82
11	3.00%	8.86	26.52	52.85	104.93
12	3.00%	8.24	24.65	49.13	97.54
13	3.00%	7.71	23.08	45.98	91.29
14	3.00%	7.26	21.73	43.29	85.95
15	3.00%	6.87	20.56	40.96	81.33
16	3.00%	6.53	19.54	38.93	77.29
17	3.00%	6.23	18.64	37.14	73.74
18	3.00%	5.96	17.84	35.56	70.59
19	3.00%	5.73	17.13	34.14	67.78
20	3.00%	5.51	16.50	32.87	65.26
21	3.00%	5.32	15.92	31.72	62.98
22	3.00%	5.15	15.40	30.68	60.92
23	3.00%	4.99	14.92	29.74	59.04
24	3.00%	4.84	14.49	28.88	57.33
25	3.00%	4.71	14.09	28.08	55.76
26	3.00%	4.59	13.73	27.36	54.31
27	3.00%	4.47	13.39	26.68	52.97
28	3.00%	4.37	13.08	26.06	51.74
29	3.00%	4.27	12.79	25.49	50.60
30	3.00%	4.18	12.52	24.95	49.53

- ---------------------------------------------------------------------------

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Page 17 of 23

     25 <PAGE>

OPTION 2

Life Income

Amount of First Monthly Payment for Each $1,000 After Deduction of any Charge for Premium Taxes

Rates for a Fixed Annuity with Guaranteed Interest Rate of 3.0%

Payments Guaranteed for a Stated Period of Months

<TABLE> <CAPTION>

- -----------------------------------------------------------------------------------------------------------------------------

Adjusted		None		60		120		180		240
Age of	-------------------------------------------------------------------------------------------------------------
Annuitant	Male	Female	Male	Female	Male	Female	Male	Female	Male	Female

- -----------------------------------------------------------------------------------------------------------------------------

<S>	<C>	<C>	<C>	<C>	<C>	<C>	<C>	<C>	<C>	<C>
50	$ 4.27	$ 3.90	$ 4.26	$ 3.90	$ 4.22	$ 3.89	$ 4.17	$ 3.86	$ 4.08	$ 3.82
51	4.34	3.97	4.33	3.96	4.30	3.95	4.23	3.92	4.14	3.88
52	4.43	4.03	4.41	4.03	4.37	4.01	4.30	3.98	4.20	3.93
53	4.51	4.10	4.50	4.10	4.45	4.08	4.37	4.04	4.26	3.99
54	4.60	4.18	4.59	4.17	4.54	4.15	4.45	4.11	4.32	4.04
55	4.70	4.25	4.68	4.25	4.62	4.22	4.53	4.18	4.39	4.11
56	4.80	4.34	4.78	4.33	4.72	4.30	4.61	4.25	4.45	4.17
57	4.91	4.42	4.89	4.41	4.82	4.38	4.69	4.32	4.51	4.23
58	5.03	4.52	5.00	4.51	4.92	4.47	4.78	4.40	4.58	4.30
59	5.15	4.61	5.12	4.60	5.03	4.56	4.87	4.48	4.65	4.37
60	5.28	4.72	5.25	4.70	5.14	4.66	4.96	4.57	4.71	4.44
61	5.43	4.83	5.39	4.81	5.27	4.76	5.06	4.66	4.78	4.51
62	5.58	4.95	5.53	4.93	5.39	4.87	5.16	4.75	4.84	4.58
63	5.74	5.08	5.69	5.05	5.53	4.99	5.26	4.85	4.90	4.65
64	5.91	5.21	5.85	5.18	5.66	5.10	5.36	4.95	4.96	4.72
65	6.10	5.36	6.03	5.32	5.81	5.22	5.46	5.05	5.02	4.79
66	6.30	5.51	6.21	5.47	5.96	5.36	5.56	5.16	5.08	4.86
67	6.51	5.67	6.41	5.63	6.12	5.50	5.66	5.26	5.13	4.93
68	6.73	5.85	6.62	5.80	6.28	5.65	5.77	5.37	5.18	5.00
69	6.97	6.04	6.84	5.98	6.44	5.80	5.86	5.49	5.23	5.06
70	7.23	6.25	7.07	6.18	6.61	5.97	5.96	5.60	5.27	5.12
71	7.51	6.47	7.32	6.39	6.79	6.14	6.05	5.71	5.31	5.18
72	7.80	6.71	7.58	6.62	6.96	6.32	6.14	5.83	5.34	5.23
73	8.12	6.98	7.85	6.86	7.14	6.50	6.23	5.94	5.37	5.28
74	8.46	7.26	8.14	7.12	7.32	6.69	6.31	6.04	5.40	5.32
75	8.82	7.57	8.45	7.40	7.50	6.89	6.38	6.14	5.42	5.35

- -----------------------------------------------------------------------------------------------------------------------------</TABLE>

Rates are based on mortality from 1983 Table a.

Rates for ages not shown will be provided on request and will be computed on a basis consistent with the rates in the above tables.

26

<PAGE>

OPTION 3

Life Income for Two Payees

Amount of First Monthly Payment for Each $1,000
After Deduction of any Charge for Premium Taxes

(Annuitant is Male and Second Annuitant is Female)

Rates for a Fixed Annuity with Guaranteed Interest Rate of 3.0%

<TABLE>
<CAPTION>
- -----------------------------------------------------------------------------------------------
Adjusted Ages
- ---------------------
	Second
Annuitant	Annuitant	Option 3a	Option 3b	Option 3c	Option 3d	Option 3e
- -----------------------------------------------------------------------------------------------
<S>	<C>	<C>	<C>	<C>	<C>	<C>
55	50	$ 3.69	$ 4.05	$ 4.27	$ 3.69	$ 4.13
55	55	3.88	4.25	4.47	3.87	4.25
55	60	3.06	4.47	4.71	4.06	4.36
60	55	3.99	4.44	4.71	3.98	4.55
60	60	4.24	4.71	4.99	4.23	4.70
60	65	4.49	5.01	5.32	4.48	4.85
65	60	4.38	4.97	5.32	4.38	5.10
65	65	4.72	5.33	5.70	4.71	5.32
65	70	5.07	5.75	6.17	5.05	5.54
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70	65	4.93	5.68	6.15	4.91	5.86
70	70	5.40	6.21	6.70	5.36	6.18
70	75	5.89	6.82	7.40	5.81	6.49
75	70	5.69	6.68	7.32	5.62	6.92
75	75	6.37	7.45	8.15	6.23	7.40
75	80	7.07	8.34	9.16	6.78	7.85

- -----------------------------------------------------------------------------------------------

</TABLE>

Rates are based on mortality from 1983 Table a.

The rates assume the Annuitant is Male and the Second Annuitant is Female. Rates for ages not shown will be provided on request and will be computed on a basis consistent with the rates in the above tables.

27

<PAGE>

OPTION 3

Life Income for Two Payees

Amount of First Monthly Payment for Each $1,000
After Deduction of any Charge for Premium Taxes

(Annuitant is Female and Second Annuitant is Male)

Rates for a Fixed Annuity with Guaranteed Interest Rate of 3.0%

<TABLE>

<CAPTION>

- --------------------------------------------------------------------------------------

     Adjusted Ages - ----------------------Second

Annuitant Annuitant Option 3a Option 3b Option 3c Option 3d Option 3e - --------------------------------------------------------------------------------------

<S>	<C>	<C>	<C>	<C>	<C>	<C>
55	50	$ 3.75	$ 4.07	$ 4.26	$ 3.75	$ 3.98
55	55	3.88	4.25	4.47	3.87	4.06
55	60	3.99	4.44	4.71	3.98	4.12
60	55	4.06	4.47	4.71	4.06	4.37
60	60	4.24	4.71	4.99	4.23	4.47
60	65	4.38	4.97	5.32	4.38	4.54
65	60	4.49	5.01	5.32	4.48	4.89
65	65	4.72	5.33	5.70	4.71	5.02
65	70	4.93	5.68	6.15	4.91	5.14
70	65	5.07	5.75	6.17	5.05	5.60
70	70	5.40	6.21	6.70	5.36	5.79
70	75	5.69	6.68	7.32	5.62	5.96
75	70	5.89	6.83	7.40	5.81	6.63
75	75	6.37	7.45	8.15	6.23	6.92
75	80	6.78	8.11	8.99	6.54	7.15

- ---------------------------------------------------------------------------------------

</TABLE>

Rates are based on mortality from 1983 Table a.

The rates assume the Annuitant is Female and the Second Annuitant is Male. Rates for ages not shown will be provided on request and will be computed on a basis consistent with the rates in the above tables.

28

<PAGE>

OPTION I

Payments for a Stated Period of Time

Amount of First Monthly Payment for Each $1,000
After Deduction of any Charge for Premium Taxes

Rates for a Variable Annuity with Assumed Net Return Rate of 3.5%

- -----------------------------------------------------------------------
	Guaranteed	Monthly	Quarterly Semi-Annual		Annual
Years	Rate	Payment	Payment	Payment	Payment
- -----------------------------------------------------------------------
5	3.50%	18.12	54.19	107.92	213.99
6	3.50%	15.35	45.92	91.44	181.32
7	3.50%	13.38	40.01	79.69	158.01
8	3.50%	11.90	35.59	70.88	140.56
9	3.50%	10.75	32.16	64.05	127.00
10	3.50%	9.83	29.42	58.59	116.18
11	3.50%	9.09	27.18	54.13	107.34
12	3.50%	8.46	25.32	50.42	99.98
13	3.50%	7.94	23.75	47.29	93.78
14	3.50%	7.49	22.40	44.62	88.47
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15	3.50%	7.10	21.24	42.31	83.89
16	3.50%	6.76	20.23	40.29	79.89
17	3.50%	6.47	19.34	38.51	76.37
18	3.50%	6.20	18.55	36.94	73.25
19	3.50%	5.97	17.85	35.54	70.47
20	3.50%	5.75	17.22	34.28	67.98
21	3.50%	5.56	16.65	33.15	65.74
22	3.50%	5.39	16.13	32.13	63.70
23	3.50%	5.24	15.66	31.19	61.85
24	3.50%	5.09	15.24	30.34	60.17
25	3.50%	4.96	14.85	29.56	58.62
26	3.50%	4.84	14.49	28.85	57.20
27	3.50%	4.73	14.15	28.19	55.90
28	3.50%	4.63	13.85	27.58	54.69
29	3.50%	4.53	13.57	27.02	53.57
30	3.50%	4.45	13.30	26.49	52.53

- -----------------------------------------------------------------------

29

<PAGE>

OPTION 1

Payments for a Stated Period of Time

Amount of First Monthly Payment for Each $1,000 After Deduction of any Charge for Premium Taxes

Rates for a Variable Annuity with Assumed Net Return Rate of 5.0%

- -------------------------------------------------------------------------

	Guaranteed	Monthly	Quarterly	Semi-Annual	Annual
Years	Rate	Payment	Payment	Payment	Payment

- -------------------------------------------------------------------------

5	5.00%	18.74	56.00	111.33	219.98
6	5.00%	15.99	47.77	94.96	187.64
7	5.00%	14.02	41.90	83.30	164.59
8	5.00%	12.56	37.52	74.58	147.35
9	5.00%	11.42	34.11	67.81	133.99
10	5.00%	10.51	31.40	62.42	123.34
11	5.00%	9.77	29.19	58.03	114.66
12	5.00%	9.16	27.36	54.38	107.45
13	5.00%	8.64	25.81	51.31	101.39
14	5.00%	8.20	24.50	48.69	96.21
15	5.00%	7.82	23.36	46.44	91.75
16	5.00%	7.49	22.37	44.47	87.88
17	5.00%	7.20	21.51	42.75	84.48
18	5.00%	6.94	20.74	41.23	81.47
19	5.00%	6.71	20.06	39.88	78.80
20	5.00%	6.51	19.46	38.68	76.42
21	5.00%	6.33	18.91	37.59	74.28
22	5.00%	6.17	18.42	36.62	72.35
23	5.00%	6.02	17.98	35.73	70.61
24	5.00%	5.88	17.57	34.93	69.02
25	5.00%	5.76	17.20	34.20	67.57
26	5.00%	5.65	16.87	33.53	66.25
27	5.00%	5.54	16.56	32.92	65.04
28	5.00%	5.45	16.28	32.35	63.93
29	5.00%	5.36	16.01	31.83	62.90
30	5.00%	5.28	15.77	31.35	61.95

- -------------------------------------------------------------------------

30

<PAGE>

OPTION 2

Life Income

Amount of First Monthly Payment for Each $1,000 After Deduction of any Charge for Premium Taxes

Rates for a Variable Annuity with Assumed Net Return Rate of 3.5%

Payments Guaranteed for a Stated Period of Months

<TABLE> <CAPTION>

- ----------------------------------------------------------------------------------------------------------------------------------

Adjusted		None	60			120		180		240
Age of	------------------------------------------------------------------------------------------------------------------
Annuitant	Male	Female	Male	Female	Male	Female	Male	Female	Male	Female

- ----------------------------------------------------------------------------------------------------------------------------------

<S>	<C>	<C>	<C>	<C>	<C>	<C>	<C>	<C>	<C>	<C>
50	$ 4.56	$ 4.20	$ 4.55	$ 4.19	$ 4.51	$ 4.18	$ 4.45	$ 4.15	$ 4.36	$ 4.11
51	4.64	4.26	4.62	4.25	4.58	4.24	4.51	4.21	4.42	4.16
52	4.72	4.32	4.70	4.32	4.66	4.30	4.58	4.26	4.48	4.21
53	4.80	4.39	4.79	4.38	4.74	4.36	4.65	4.32	4.53	4.27
54	4.89	4.46	4.87	4.46	4.82	4.43	4.73	4.39	4.59	4.32
55	4.99	4.54	4.97	4.53	4.91	4.50	4.80	4.46	4.65	4.38
56	5.09	4.62	5.07	4.61	5.00	4.58	4.88	4.53	4.72	4.44
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										Page 20 of 23
57	5.20	4.71	5.17	4.70	5.10	4.66	4.96	4.60	4.78	4.50
58	5.32	4.80	5.29	4.79	5.20	4.75	5.05	4.68	4.84	4.57
59	5.44	4.90	5.41	4.88	5.31	4.84	5.14	4.76	4.91	4.63
60	5.57	5.00	5.53	4.99	5.42	4.93	5.23	4.84	4.97	4.70
61	5.71	5.11	5.67	5.09	5.54	5.03	5.32	4.93	5.03	4.77
62	5.86	5.23	5.81	5.21	5.66	5.14	5.42	5.02	5.09	4.84
63	6.02	5.36	5.97	5.33	5.79	5.25	5.51	5.11	5.16	4.91
64	6.20	5.49	6.13	5.46	5.93	5.37	5.61	5.21	5.21	4.98
65	6.38	5.64	6.31	5.60	6.07	5.49	5.71	5.31	5.27	5.05
66	6.58	5.79	6.49	5.75	6.22	5.63	5.81	5.41	5.32	5.12
67	6.79	5.95	6.69	5.91	6.38	5.76	5.91	5.52	5.38	5.18
68	7.02	6.13	6.89	6.08	6.53	5.91	6.01	5.63	5.42	5.25
69	7.26	6.32	7.11	6.26	6.70	6.06	6.11	5.74	5.47	5.31
70	7.52	6.53	7.35	6.45	6.86	6.23	6.20	5.85	5.51	5.37
71	7.80	6.75	7.59	6.66	7.03	6.39	6.29	5.96	5.54	5.42
72	8.09	6.99	7.85	6.89	7.21	6.57	6.38	6.07	5.57	5.47
73	8.41	7.26	8.12	7.13	7.38	6.75	6.46	6.17	5.60	5.51
74	8.75	7.54	8.41	7.39	7.55	6.94	6.53	6.28	5.63	5.55
75	9.12	7.85	8.71	7.66	7.73	7.13	6.61	6.38	5.65	5.59

- ----------------------------------------------------------------------------------------------------------------------------------</TABLE>

Rates are based on mortality from 1983 Table a.

Rates for ages not shown will be provided on request and will be computed on a basis consistent with the rates in the above tables.

31

<PAGE>

OPTION 2

Life Income

Amount of First Monthly Payment for Each $1,000 After Deduction of any Charge for Premium Taxes

Rates for a Variable Annuity with Assumed Net Return Rate of 5.0%

Payments Guaranteed for a Stated Period of Months

<TABLE> <CAPTION>

- -------------------------------------------------------------------------------------------------------------------------------

Adjusted		None		60		120		180		240
Age of	---------------------------------------------------------------------------------------------------------------
Annuitant	Male	Female	Male	Female	Male	Female	Male	Female	Male	Female

- -------------------------------------------------------------------------------------------------------------------------------

<S>	<C>	<C>	<C>	<C>	<C>	<C>	<C>	<C>	<C>	<C>
50	$ 5.48	$ 5.12	$ 5.46	$ 5.11	$ 5.41	$ 5.09	$ 5.34	$ 5.06	$ 5.24	$ 5.01
51	5.55	5.17	5.53	5.17	5.48	5.14	5.40	5.11	5.29	5.05
52	5.63	5.23	5.61	5.23	5.55	5.20	5.46	5.16	5.34	5.10
53	5.71	5.30	5.69	5.29	5.62	5.26	5.53	5.22	5.40	5.15
54	5.80	5.37	5.77	5.36	5.70	5.33	5.60	5.27	5.45	5.20
55	5.89	5.44	5.86	5.43	5.79	5.39	5.67	5.34	5.51	5.25
56	5.99	5.52	5.96	5.51	5.87	5.47	5.74	5.40	5.56	5.31
57	6.10	5.60	6.06	5.59	5.97	5.54	5.82	5.47	5.62	5.37
58	6.21	5.69	6.17	5.67	6.06	5.62	5.90	5.54	5.68	5.42
59	6.33	5.79	6.29	5.77	6.17	5.71	5.98	5.61	5.74	5.48
60	6.46	5.89	6.41	5.87	6.28	5.80	6.06	5.69	5.79	5.55
61	6.60	6.00	6.55	6.97	6.39	5.90	6.15	5.77	5.85	5.61
62	6.75	6.11	6.69	6.08	6.51	6.00	6.24	5.86	5.91	5.67
63	6.91	6.23	6.84	6.20	6.64	6.10	6.33	5.95	5.96	5.73
64	7.09	6.37	7.00	6.33	6.77	6.22	6.42	6.04	6.02	5.80
65	7.27	6.51	7.18	6.46	6.91	6.34	6.52	6.13	6.07	5.86
66	7.47	6.66	7.36	6.61	7.05	6.46	6.61	6.23	6.12	5.92
67	7.68	6.82	7.55	6.76	7.20	6.60	6.70	6.33	6.16	5.99
68	7.91	7.00	7.76	6.93	7.35	6.74	6.80	6.43	6.21	6.04
69	8.15	7.19	7.98	7.11	7.51	6.89	6.89	6.54	6.25	6.10
70	8.41	7.39	8.21	7.30	7.67	7.04	6.97	6.64	6.28	6.15
71	8.69	7.62	8.45	7.51	7.83	7.21	7.06	6.74	6.32	6.20
72	8.99	7.86	8.70	7.73	8.00	7.38	7.14	6.85	6.35	6.25
73	9.31	8.12	8.97	7.97	8.16	7.55	7.21	6.95	6.37	6.29
74	9.65	8.41	9.26	8.23	8.33	7.73	7.29	7.04	6.39	6.33
75	10.02	8.72	9.55	8.50	8.50	7.92	7.35	7.14	6.41	6.36

- -------------------------------------------------------------------------------------------------------------------------------</TABLE>

Rates are based on mortality from 1983 Table a.

Rates for ages not shown will be provided on request and will be computed on a basis consistent with the rates in the above tables.

32

<PAGE>

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OPTION 3

Life Income for Two Payees

Amount of First Monthly Payment for Each $1,000 After Deduction of any Charge for Premium Taxes

(Annuitant is Male and Second Annuitant is Female)

Rates for a Variable Annuity with Assumed Net Return Rate of 3.5%

<TABLE> <CAPTION>

- -------------------------------------------------------------------------------------------------------Adjusted Ages - ------------------------Second Annuitant Annuitant Option 3a Option 3b Option 3c Option 3d Option 3e - -------------------------------------------------------------------------------------------------------

<S>	<C>	<C>	<C>	<C>	<C>	<C>
55	50	$ 3.97	$ 4.35	$ 4.56	$ 3.97	$ 4.42
55	55	4.16	4.54	4.76	4.15	4.54
55	60	4.34	4.76	5.00	4.34	4.64
60	55	4.27	4.73	5.00	4.26	4.83
60	60	4.51	4.99	5.27	4.50	4.98
60	65	4.76	5.29	5.60	4.75	5.13
65	60	4.66	5.25	5.61	4.65	5.39
65	65	4.99	5.61	5.99	4.98	5.60
65	70	5.34	6.03	6.46	5.31	5.81
70	65	5.19	5.97	6.44	5.17	6.14
70	70	5.67	6.49	6.99	5.62	6.47
70	75	6.16	7.10	7.68	6.07	6.77
75	70	5.95	6.96	7.61	5.87	7.20
75	75	6.64	7.73	8.43	6.48	7.68
75	80	7.33	8.62	9.45	7.02	8.13

- -------------------------------------------------------------------------------------------------------</TABLE>

Rates are based on mortality from 1983 Table a.

The rates assume the Annuitant is Male and the Second Annuitant is Female. Rates for ages not shown will be provided on request and will be computed on a basis consistent with the rates in the above tables.

33

<PAGE>

OPTION 3

Life Income for Two Payees

Amount of First Monthly Payment for Each $1,000
After Deduction of any Charge for Premium Taxes

(Annuitant Is Female and Second Annuitant Is Male)

Rates for a Variable Annuity with Assumed Net Return Rate of 3.5%

<TABLE>
<CAPTION>
- --------------------------------------------------------------------------------------------------------
Adjusted Ages
- -------------------------
	Second
Annuitant	Annuitant	Option 3a	Option 3b	Option 3c	Option 3d	Option 3e
- --------------------------------------------------------------------------------------------------------
<S>	<C>	<C>	<C>	<C>	<C>	<C>
55	50	$ 4.03	$ 4.36	$ 4.55	$ 4.03	$ 4.41
55	55	4.16	4.54	4.76	4.15	4.54
55	60	4.27	4.73	5.00	4.26	4.83
60	55	4.34	4.76	5.00	4.34	4.64
60	60	4.51	4.99	5.27	4.50	4.98
60	65	4.66	5.25	5.61	4.65	5.39
65	60	4.76	5.29	5.60	4.75	5.13
65	65	4.99	5.61	5.99	4.98	5.60
65	70	5.19	5.97	6.44	5.17	6.14
70	65	5.34	6.03	6.46	5.31	5.81
70	70	5.67	6.49	6.99	5.62	6.47
70	75	5.95	6.96	7.61	5.87	7.20
75	70	6.16	7.10	7.68	6.07	6.77
75	75	6.64	7.73	8.43	6.48	7.68
75	80	7.04	8.39	9.29	6.79	8.70
- --------------------------------------------------------------------------------------------------------
</TABLE>
	Rates are based on mortality from 1983 Table a.
The rates assume the Annuitant is Female and the Second Annuitant is Male.
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Rates for ages not shown will be provided on request and will be computed on a basis consistent with the rates in the above tables.

     34 <PAGE>

OPTION 3

Life Income for Two Payees

Amount of First Monthly Payment for Each $1,000 After Deduction of any Charge for Premium Taxes

(Annuitant Is Male and Second Annuitant Is Female)

Rates for a Variable Annuity with Assumed Net Return Rate of 5.0%

<TABLE> <CAPTION>

- -------------------------------------------------------------------------------------------------------Adjusted Ages - -------------------------Second Annuitant Annuitant Option 3a Option 3b Option 3c Option 3d Option 3e - -------------------------------------------------------------------------------------------------------

<S>	<C>	<C>	<C>	<C>	<C>	<C>
55	50	$ 4.88	$ 5.26	$ 5.48	$ 4.88	$ 5.34
55	55	5.04	5.44	5.66	5.04	5.43
55	60	5.21	5.65	5.89	5.21	5.53
60	55	5.15	5.63	5.91	5.14	5.73
60	60	5.37	5.87	6.16	5.37	5.86
60	65	5.61	6.16	6.49	5.60	6.01
65	60	5.52	6.14	6.51	5.51	6.28
65	65	5.83	6.49	6.87	5.82	6.47
65	70	6.17	6.90	7.33	6.13	6.67
70	65	6.04	6.84	7.34	6.00	7.03
70	70	6.49	7.35	7.87	6.44	7.33
70	75	6.97	7.96	8.56	6.87	7.62
75	70	6.77	7.84	8.51	6.68	8.08
75	75	7.45	8.60	9.33	7.27	8.55
75	80	8.14	9.49	10.35	7.80	8.98

- -------------------------------------------------------------------------------------------------------</TABLE>

Rates are based on mortality from 1983 Table a.

The rates assume the Annuitant is Male and the Second Annuitant is Female. Rates for ages not shown will be provided on request and will be computed on a basis consistent with the rates in the above tables.

35

<PAGE>

OPTION 3

Life Income for Two Payees

Amount of First Monthly Payment for Each $1,000
After Deduction of any Charge for Premium Taxes

(Annuitant is Female and the Second Annuitant is Male)

Rates for a Variable Annuity with Assumed Net Return Rate of 5.0%

<TABLE>
<CAPTION>
- ---------------------------------------------------------------------------------------------------------
Adjusted Ages
- -------------------------
	Second
Annuitant	Annuitant	Option 3a	Option 3b	Option 3c	Option 3d	Option 3e
- ---------------------------------------------------------------------------------------------------------
<S>	<C>	<C>	<C>	<C>	<C>	<C>
55	50	$ 4.93	$ 5.27	$ 5.46	$ 4.93	$ 5.19
55	55	5.04	5.44	5.66	5.04	5.43
55	60	5.15	5.63	5.91	5.14	5.73
60	55	5.21	5.65	5.89	5.21	5.53
60	60	5.37	5.87	6.16	5.37	5.86
60	65	5.52	6.14	6.51	5.51	6.28
65	60	5.61	6.16	6.49	5.60	6.01
65	65	5.83	6.49	6.87	5.82	6.47
65	70	6.04	6.84	7.34	6.00	7.03
70	65	6.17	6.90	7.33	6.13	6.67
70	70	6.49	7.35	7.87	6.44	7.33
70	75	6.77	7.84	8.51	6.68	8.08
75	70	6.97	7.96	8.56	6.87	7.62
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75	75	7.45	8.60	9.33	7.27	8.55
75	80	7.86	9.28	10.20	7.57	9.59

- ---------------------------------------------------------------------------------------------------------

</TABLE>

Rates are based on mortality from 1983 Table a.

The rates assume the Annuitant is Female and the Second Annuitant is Male. Rates for ages not shown will be provided on request and will be computed on a basis consistent with the rates in the above tables.

36

<PAGE>

- --------------------------------------------------------------------------------

Aetna Insurance Company of America
Home Office: 151 Farmington Avenue
Hartford, Connecticut 06156
(800) 531-4547

Certificate of Group Annuity Coverage

- --------------------------------------------------------------------------------

ALL PAYMENTS AND VALUES PROVIDED BY THE GROUP CONTRACT, WHEN BASED ON INVESTMENT EXPERIENCE OF A SEPARATE ACCOUNT, ARE VARIABLE AND ARE NOT GUARANTEED AS TO FIXED DOLLAR AMOUNT. THIS CONTRACT CONTAINS A MARKET VALUE ADJUSTMENT FORMULA. APPLICATION OF A MARKET VALUE ADJUSTMENT MAY RESULT IN EITHER AN INCREASE OR DECREASE IN THE CURRENT VALUE. THE MARKET VALUE ADJUSTMENT FORMULA DOES NOT APPLY TO A GUARANTEED TERM AT THE TIME OF ITS MATURITY.

GP2CERT(4/94)

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EX-16

Page 1 of 21

Exhibit 16(4)(h)
Aetna Insurance Company of America
Home Office: 151 Farmington Avenue
P.O. Box 30670
Hartford, Connecticut 06150-0670
(800) 531-4547
You may call the toll-free number shown above
for answers to questions or to resolve a complaint
Group Variable, Fixed or Combination Annuity Contract (Nonparticipating)
Aetna Insurance Company of America (We or Us), a stock company, agrees to pay
benefits according to the terms and conditions set forth in this Contract.
Specifications
- --------------------------------------------------------------------------------
Plan
SPECIMEN
- --------------------------------------------------------------------------------
Type of Plan
SPECIMEN
- --------------------------------------------------------------------------------
Contract Holder
SPECIMEN
- --------------------------------------------------------------------------------
Contract Number
SPECIMEN
- --------------------------------------------------------------------------------
Effective Date
SPECIMEN
This Contract is delivered in YOUR STATE and is subject to the laws and
regulations of that state.
The variable features of the Group Contract are described in sections 6 and 12.
Right to Cancel
- --------------------------------------------------------------------------------
The Group Contract Holder may cancel this Contract within ten (10) days of
receiving it by returning it to Us at the address above or to the person from
whom it was purchased. Within seven (7) days of the cancellation request, We
will return the Certificate Holder's Purchase Payment(s) made plus any increase,
or minus any decrease, on the amount allocated to the Separate Account.
Signed at the home office on the Effective Date.
/s/ Dan Kearney	/s/ Maria F. McKeon
President	Secretary
<PAGE>
ALL PAYMENTS AND VALUES PROVIDED BY THE GROUP CONTRACT, WHEN BASED ON INVESTMENT
EXPERIENCE OF A SEPARATE ACCOUNT, ARE VARIABLE AND ARE NOT GUARANTEED AS TO
FIXED DOLLAR AMOUNT. THIS CONTRACT CONTAINS A MARKET VALUE ADJUSTMENT FORMULA.
APPLICATION OF A MARKET VALUE ADJUSTMENT MAY RESULT IN EITHER AN INCREASE OR
DECREASE IN THE CURRENT VALUE. THE MARKET VALUE ADJUSTMENT FORMULA DOES NOT
APPLY TO A GUARANTEED TERM AT THE TIME OF ITS MATURITY.
2
<PAGE>
Table of Contents
<TABLE>
<CAPTION>
		Page
<S>		<C>
Right to Cancel		1
Contract Schedule		5
Separate Account		5
AICA Guaranteed Account (AG Account)		5
Separate Account and AG Account		5
Fixed Annuity		6
Section 1. Definitions		7
Section 2. General Provisions		9
The Contract		9
Certificates		9
Nonparticipating Contract		9
Misstatements and Adjustments		9
Reports		9
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	Page 2 of 21
Premium Taxes	9
Protection of Proceeds	9
Evidence of Survival	9
Proof of Age	9
Change of Contract	9
Section 3. Ownership	10
Group Contract Holder	10
Certificate Holder Rights	10
Transfer of Ownership	10
Section 4. Beneficiary Provisions	11
Beneficiary	11
Change of Beneficiary	11
Death of Beneficiary	11
Section 5. Purchase Payments	11
Purchase Payments	11
Allocation of Purchase Payments	11
Section 6. Separate Account	12
General	12
Investment Allocations to the Separate Account	12
Valuation of Assets	12
Accumulation Unit	12
Net Return Factor for Each Valuation Period	12
Administrative Charge	13
Mortality Risk Charge	13
Expense Risk Charge	13
Mortality and Expense Guarantee	13

3

<PAGE>

Section 7. AG Account	13
AG Account Guaranteed Interest Rate	13
Deposit Period	13
Guaranteed Term	13
Guaranteed Term(s) Groups	13
Maturity Date	13
Allocation of Net Purchase Payments to the AG Guaranteed Account	14
AG Account Guaranteed Term Maturity Date and Maturity Value	14
Withdrawals from the AG Account	14
Reinvestment	15
AG Account Market Value Adjustment (Factor)	15
Section 8. Certificate Holder's Account Value; Transfers and Withdrawals
During the Accumulation Period	16
Certificate Holder's Account Value	16
Transfers During the Accumulation Period	16
Withdrawals During the Accumulation Period	16
Deferred Sales Charge	17
Waiver of Deferred Sales Charge	17
Payment of Adjusted Certificate Holder Account Value	17
Systematic Withdrawal Option (SWO)	17
Section 9. Maintenance Charge	18
Maintenance Charge	18
Section 10. Proceeds Payable on Death	18
Death of the Certificate Holder Prior to the Annuity Date	19
Death Benefit Amount Prior to the Annuity Date	19
Death Benefit Payment Methods	20
Death of Certificate Holder On or After the Annuity Date	21
Death of the Annuitant	21
Section 11. Delay of Payments	21
Delay of Payments	21
Section 12. Annuity Provisions	22
Designation of Annuitant	22
Terms of Annuity Options	22
Annuity Unit	23
Annuity Unit Value	23
Annuity Net Return Factor	24
Annuity Options	24
</TABLE>

4

<PAGE>

Contract Schedule

<TABLE> <CAPTION> Separate Account

- -----------------------------------------------------------------------------------------------------------------------------------

Separate Account:	Variable Account I
<S>	<C>
Charges to the Separate Account:	A daily charge is deducted from the assets of the Separate Account.	The deduction is
	the daily equivalent of the annual effective percentage shown below:
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(a)	During the Accumulation Period:
	Administrative Charge	0.15%
	Mortality Risk Charge	0.35%
	Expense Risk Charge	0.90%
	TOTAL Separate Account Charges During
	Accumulation Period	1.40%
(b)	During the Annuity Period
	Administrative Charge Not To Exceed	0.25%
	Mortality Risk Charge	0.35%
	Expense Risk Charge	0.90%
	TOTAL Maximum Separate Account Charges
	During Annuity Period	1.50%

AICA Guaranteed Account (AG Guaranteed Account)

- -----------------------------------------------------------------------------------------------------------------------------------

Minimum Guaranteed Interest Rate	3.0%
(effective annual rate of return):

Separate Account and AG Account

- -----------------------------------------------------------------------------------------------------------------------------------

Minimum Initial Purchase Payment:	$1,500
Minimum Subsequent Purchase Payment:	$500 or $50 per month if paid by an automatic check plan
Maximum Subsequent Purchase Payment:	$1,000,000 without home office approval
Transfers:	We allow an unlimited number of transfers during the Accumulation Period. Twelve (12)
	transfers in any calendar year are free. Thereafter, We reserve the right to charge a
	transfer charge up to $10 for each subsequent transfer.
Maintenance Charge:	The annual maintenance charge is $30. If the Certificate Holder's Account is $50,000
	or more on the date the maintenance charge is to be deducted, the maintenance charge
	is $0.
	5
<PAGE>
Deferred Sales Charge:	For each withdrawal from a Certificate Holder's Account, a deferred sales charge for
	each Net Purchase Payment will be determined as follows:
	Years from Receipt of	Deferred
	Net Purchase Payment	Sales Charge
	0-1	7%
	1-2	6%
	2-3	5%
	3-4	4%
	4-5	3%
	5-6	2%
	6-7	1%
	7+	0%
Waiver of Deferred Sales Charge:	Section 8.05 provides for the following:

(c)	At least 12 months after the date of the first Purchase Payment in an amount equal to or less than 15% of the Certificate Holder's Account Value.
(d)	For a full withdrawal where the Certificate Holder's Account Value does not exceed $2,500 and no withdrawals have been taken from the Certificate Holder's Account within the prior 12 months.

Systematic Withdrawal Option:	(a)	Specified Payment - Maximum Percentage:	10%
	(b)	Specified Period - Minimum Period:	10 years
	(c)	Specified Percentage - Maximum Percentage:	10%
Death Benefit Factor:	4%
Death Benefit Maximum Amount:	There is no maximum death benefit amount.
Death Benefit Maximum Age:	85 years
Fund for Allocation of Excess	Federated Prime Money Fund II Death
Guaranteed Benefit Value:
Latest Annuity Date:	The Certificate Holder's 90th birthday.

Fixed Annuity

- -----------------------------------------------------------------------------------------------------------------------------------

Minimum Guaranteed Interest Rate	3.0%
(effective annual rate of return):
</TABLE>

6

<PAGE>

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<TABLE> <CAPTION>

Section 1. Definitions

- -----------------------------------------------------------------------------------------------------------------------------------<S> <C>

1.01	Accumulation Period - The period during which one or more Net Purchase Payments applied to a Certificate Holder's Account accumulate to provide future Annuity payments.
1.02	Accumulation Unit - A measure of the net investment results for each variable investment option during the Accumulation Period. The Accumulation Units for the applicable Funds are used to calculate the portion of a Certificate Holder's Account Value attributable to a Separate Account during the Accumulation Period.
1.03	Adjusted Certificate Holder Account Value - The Certificate Holder's Account Value, plus or minus any aggregate AG Account Market Value Adjustment.
1.04	AICA Guaranteed Account (AG Account) - An investment option where We guarantee specified rate(s) of interest for specified periods of time. The AG Account is a separate account established by Us in accordance with the provisions of the Connecticut General Statutes Section 38a-433. Certificate Holders do not participate in the investment gain or loss from the assets held in the AG Account. Assets in the AG Account may be charged with liabilities arising out of any other business We may conduct.
1.05	Annuitant - The natural person on whose life an Annuity payment is based.
1.06	Annuity - A series of payments We make for life, a definite period or a combination of the two.
1.07	Annuity Date - The date on which Annuity payments commence.
1.08	Annuity Options - Annuity payment methods available during the Annuity Period.
1.09	Annuity Period - The period of time during which Annuity payments are made.
1.10	Annuity Unit - A measure of the net investment results for each variable investment option during the Annuity Period. Annuity Units are used to calculate the amount of each variable Annuity payment.
1.11	Beneficiary - The person(s) entitled to receive any death benefit under the Certificate Holder's Account. Upon the death of a joint Certificate Holder, the surviving joint Certificate Holder, if any, is treated as the Beneficiary.
	Any other Beneficiary designation on record with Us at the time of death is treated as a contingent Beneficiary.
1.12	Certificate - The document issued to a Certificate Holder to evidence a Certificate Holder's Account established under the group Contract.
1.13	Certificate Holder - A person who has established a Certificate Holder's Account under a group Contract. We reserve the right to limit ownership to natural persons. If more than one Certificate Holder owns an Account, each Certificate Holder shall be a joint Certificate Holder. Any joint Certificate Holder must be the spouse of the other joint Certificate Holder. Joint Certificate Holders have joint ownership rights and both must authorize any exercising of those ownership rights unless otherwise allowed by Us. If the Certificate Holder's Account is owned by a nonnatural person, the death benefit will be paid at the death of the Annuitant and a new Annuitant may not be named.

7

<PAGE>

1.14	Certificate Holder's Account - A record We establish for each Certificate Holder to maintain values under a group Contract.
1.15	Certificate Holder's Account Value - The dollar value as of any Valuation Period of all amounts accumulated in a Certificate Holder's Account.
1.16	Contract - This agreement between the Group Contract Holder and Us.
1.17	Dollar Cost Averaging - A program that permits the Certificate Holder to systematically transfer amounts from any of the Funds and the one-year guaranteed term of the AG Account to any of the Funds. Dollar Cost Averaging is not available if the Systematic Withdrawal Option is in effect.
1.18	Effective Date - The date a Certificate is issued to a Certificate Holder.
1.19	Fund - One of the variable investment options which may be selected by a Certificate Holder.
1.20	General Account - The General Account is made up of all of our general assets other than those allocated to the separate accounts.
1.21	Group Contract Holder - The entity to which a group Contract is issued.
1.22	Home Office - Our headquarters, located at 151 Farmington Avenue, Hartford, CT 06156.
1.23	Market Value Adjustment - An adjustment that may apply to a withdrawal made from the AG Account before the end of a guaranteed term as stated in Section 7.10.
1.24	Net Purchase Payment - The Purchase Payment less premium taxes, if applicable.
1.25	Purchase Payment - The gross payment accepted by Us and allocated to the Certificate Holder's Account. We reserve the right to refuse to accept any Purchase Payment at any time for any reason.
1.26	Separate Account - A separate account that buys and holds shares of the Fund(s). Income, gains or losses, realized or unrealized, are credited or charged to the Separate Account without regard to Our other income, gains or losses.
	We own the assets held in the Separate Account and are not a trustee as to such amounts. The Separate Account generally is not guaranteed and is held at market value. The name of the Separate Account is shown on the Contract Schedule. The assets of the Separate Account, to the extent of reserves and other Contract liabilities of the Separate Account, will not be charged with Our other liabilities.
1.27	Valuation Period - The period of time for which a Fund determines its net asset value, usually from 4:15 p.m. Eastern time each day the New York Stock Exchange is open until 4:15 p.m. the next such business day, or such other

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Page 5 of 21

day that one or more of the Funds determines its net asset value. The assets of the Separate Account are not chargeable with the liabilities arising out of any other business We may conduct.

1.28      Variable Annuity Contract - An Annuity Contract providing for the accumulation of value and/or for Annuity payments which vary in amount based on investment results.

8

<PAGE>

Section 2. General Provisions

• -----------------------------------------------------------------------------------------------------------------------------------

• The Contract - The entire Contract consists of this Contract and any endorsements attached or subsequently issued.

• Certificates - A Certificate is issued to each Certificate Holder whose Purchase Payment(s) is accepted by Us. The

Certificate evidences a Certificate Holder's Account established under the Contract. Certificates are not part of the Contract.

2.03	Nonparticipating Contract - Neither the Group Contract Holder, Certificate Holder nor any Beneficiary have a right to share in our earnings.
2.04	Misstatements and Adjustments - If We learn that the age of any Annuitant or second Annuitant is misstated, the correct age will be used to adjust payments. We reserve the right to request reimbursement or adjust future payments for any amount overpaid. We will pay the amount of any underpayment.
2.05	Reports - We furnish each Certificate Holder with a report showing the Certificate Holder's Account Value at least once each calendar year. We also furnish an annual report of the Separate Account.
2.06	Premium Taxes - Any premium taxes paid to any governmental entity are charged against Purchase Payments or a Certificate Holder's Account. We may, at our sole discretion, pay premium taxes when due and deduct that amount from the Certificate Holder's Account at a later date. Payment at an earlier date does not waive any right We may have to deduct amounts at a later date.
2.07	Protection of Proceeds - To the extent permitted by law, all payments under this Contract to a Certificate Holder or Beneficiary shall be free from legal process and the claim of any creditor.
2.08	Evidence of Survival - The Company may require satisfactory evidence of the continued survival of any person(s) on whose life Annuity payments are based.
2.09	Proof of Age - The Company may require evidence of age of any Annuitant under Annuity Options 2 and 3 and of the designated second Annuitant under Annuity Option 3.
2.10	Change of Contract - Only our authorized officers may change the terms of this Contract. We will notify the Group Contract Holder in writing at least 30 days before the effective date of any change. Any change will not affect the amount or terms of any Annuity which begins before the change.
	We may make any change that affects the AG Account Market Value Adjustment with at least thirty (30) days' advance written notice to the Group Contract Holder and the Certificate Holder. Any such change shall become effective for any new guaranteed term and will apply to all present and future Certificate Holders' Accounts.

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We reserve the right to change the terms of the Systematic Withdrawal Option for future elections and discontinue the availability of this option.

Any change to any of the following provisions under this Contract will not apply to Certificate Holder's Accounts in existence before the effective date of the change:

(a) Net Purchase Payment (1.24)

(b) AG Account Guaranteed Interest Rate (7.01) (c) Net Return Factor (6.05) (d) Certificate Holder's Account Value (1.15) (e) Deferred Sales Charge (8.04) (f) Annuity Unit Value (12.04) (g) Annuity Options (12.06) (h) Fixed Annuity Interest Rates (12.01) (i) Transfers (8.02).

Any change that affects the Annuity Option and the tables for the Annuity Options may be made:

(a) No earlier than twelve (12) months after the Effective Date; and

(b) No earlier than twelve (12) months after the effective date of any prior change.

Any Certificate Holder's Account established on or after the
effective date of any change will be subject to the change. If
the Group Contract Holder does not agree to any change under
this provision, We reserve the right to not allow any new
Certificate Holder's Accounts to be established under this
Contract. This Contract may also be changed as deemed necessary
by Us to comply with federal or state law.

Section 3. Ownership

• -----------------------------------------------------------------------------------------------------------------------------------

• Group Contract Holder - The Group Contract Holder has title to the Contract. The Contract and any amounts

accumulated thereunder are not subject to the claims of the Group Contract Holder nor any of its creditors.

3.02      Certificate Holder Rights - The Certificate Holder has all interest and right to amounts held in his or her Certificate Holder's Account. The Certificate Holder and any joint Certificate Holder are named on the Specifications page. The Certificate Holder and any joint Certificate Holder may exercise all the rights under the

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Certificate Holder's Account, subject to the rights of:

(a) Any assignee under an assignment filed at our home office; and
(b) Any irrevocably named Beneficiary.

Upon the death of a Certificate Holder prior to the Annuity Date, a spousal Beneficiary may elect to continue the Certificate Holder's Account in his or her own name and retain all ownership rights and privileges or take distribution of the death benefit as defined in Section 10.

3.03	Transfer of Ownership - The Group Contract Holder may transfer ownership of this Contract. A written request, dated and signed, must be filed at our home office.
	Any transfer of ownership terminates the interest of any existing Group Contract Holder. It does not change the rights of any Certificate Holder.

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A Certificate Holder may transfer all of his or her rights under the Contract. We reserve the right not to accept an assignment or transfer to a nonnatural person. A written request, dated and signed by the Certificate Holder and any joint Certificate Holder, must be filed at our home office. After the transfer is recorded, it will take effect as of the date the request was signed. Any such transfer terminates the interest of any existing Certificate Holder. It does not change the Beneficiary, nor transfer the Beneficiary's interest. A transfer will not affect any payments We may make or actions We may take before such transfer has been recorded at our home office.

Section 4. Beneficiary Provisions

• -----------------------------------------------------------------------------------------------------------------------------------

• Beneficiary - The Certificate Holder may name a Beneficiary and a contingent Beneficiary. At the death of the

Certificate Holder prior to the Annuity Date, the Beneficiary(ies) named in our records will receive a death benefit as stated in Section 10. Upon the death of either joint Certificate Holder prior to the Annuity Date, the surviving joint Certificate Holder, if any, will be treated as the designated Beneficiary and any other Beneficiary designation on record with Us at the time of death is treated as a contingent Beneficiary. If the Certificate Holder is a nonnatural person, the death benefit will be paid at the death of the Annuitant.

4.02

Change of Beneficiary - The Certificate Holder may change the Beneficiary. A written request, dated and signed by the Certificate Holder, must be filed at our home office. If there are joint Certificate Holders, both must sign the request. After the change is recorded, it will take effect as of the date the request was signed. If the request reaches our home office and is recorded after the Certificate Holder dies, but before any payment is made, the change is valid.

4.03

Death of Beneficiary - If all of the Beneficiaries and contingent Beneficiaries die prior to the Certificate Holder's death, We pay the death benefit in one sum to the Certificate Holder's estate. If the Certificate Holder is a nonnatural person, and all of the Beneficiaries and contingent Beneficiaries die prior to the Annuitant's death, We will pay the death benefit in one sum to the Certificate Holder.

Section 5. Purchase Payments

• -----------------------------------------------------------------------------------------------------------------------------------

• Purchase Payments - Subject to the maximum and minimum shown on the Contract Schedule, the Certificate Holder may

determine the amount and frequency of Purchase Payments. We reserve the right not to accept any Purchase Payment. We will declare from time to time the acceptability of additional Purchase Payments.

5.02	Allocation of Purchase Payments - The Certificate Holder may elect to have each Net Purchase Payment accumulate:
	(a)	On a variable basis invested in shares of one or more Funds in which the Separate Account invests;
	(b)	For guaranteed terms offered in the current deposit period(s) under the AG Account; or
	(c)	In a combination of any of the available investment options.
	Net	Purchase Payments must be allocated in whole percentages. For subsequent Purchase Payments, if no allocation
	instructions	are received with the Purchase Payment, the allocation will be as indicated in the most recent
	directive	from the Certificate Holder. If the same guaranteed term(s) are not available, the next shortest will be
	used.	If no shorter guaranteed term is available, the next longer guaranteed term will be used.

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Section 6. Separate Account

• -----------------------------------------------------------------------------------------------------------------------------------

• General - The assets of the Separate Account, equal to the reserves and other Contract liabilities that depend on

the investment performance of the Separate Account are not chargeable with liabilities arising out of any other business We may conduct. Income, gains or losses of the Separate Account, realized or unrealized, are credited to or charged against the assets of the Separate Account without regard to Our other income, gains or losses.

6.02	Investment Allocations to the Separate Account - The assets of the Separate Account are segregated by Fund. If the shares of any Fund are no longer available for investment by the Separate Account or if in our judgment, further investment in such shares should become inappropriate in view of the purpose of the Contract, We may cease to make such Fund shares available for investment under the Contract prospectively, or We may substitute shares of another Fund for shares already acquired. We may also, from time to time, add additional Funds. Any elimination, substitution or addition of Funds will be done in accordance with applicable state and federal securities laws. We reserve the right to substitute shares of another Fund for shares already acquired without a proxy vote.
6.03	Valuation of Assets - The shares of the Funds will be valued at their net asset value at the end of each Valuation Period.
6.04	Accumulation Unit - A Net Purchase Payment that is allocated to one or more Funds is credited to the Certificate Holder's Account as Accumulation Units. The number of Accumulation Units credited is determined by dividing the applicable portion of the Net Purchase Payment by the Accumulation Unit value for the appropriate Fund. The

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Accumulation Unit value used is that which is computed for the next Valuation Period after which the Purchase Payment is received at our home office. Accumulation Units attributable to the initial Purchase Payments will be credited within two business days of acceptance.

Accumulation Unit values may increase or decrease from Valuation Period to Valuation Period.

6.05	Net Return Factor for Each Valuation Period - The value of an Accumulation Unit for any Valuation Period is
	calculated	by multiplying the Accumulation Unit value for the immediately preceding Valuation Period by the net
	return	factor of the appropriate Fund for the current period.
	The	net return factor for each Fund is equal to 1.0000000 plus the net return rate.
	The	net return rate equals:
	(a)	The value of the shares of the Fund held by the Separate Account at the end of a Valuation Period; minus
	(b)	The value of the shares of the Fund held by the Separate Account at the start of the Valuation Period; plus or minus
	(c)	Taxes (or reserves for taxes) on the Separate Account (if any); divided by
	(d)	The total value of the Funds(s) Accumulation Units and Fund(s) Annuity Units of the Separate Account at the start of the Valuation Period; minus
	(e)	A daily actuarial charge as shown on the Contract Schedule for Annuity mortality and expense risks and profit and a daily administrative charge.

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The net return rate may be more or less than zero (0) percent.

The value of a share of the Fund is equal to the net assets of the Fund divided by the number of shares outstanding.

6.06	Administrative Charge - We deduct an administrative charge equal, on an annual basis, to the amount shown on the Contract Schedule.
6.07	Mortality Risk Charge - We deduct a mortality risk charge equal, on an annual basis, to the amount shown on the Contract Schedule.
6.08	Expense Risk Charge - We deduct an expense risk charge equal, on an annual basis, to the amount shown on the Contract Schedule.
6.09	Mortality and Expense Guarantee - We guarantee that the dollar amount of each Annuity payment after the first will not be affected by variations in mortality or expense experience.

Section 7. AG Account

• -----------------------------------------------------------------------------------------------------------------------------------

• AG Account Guaranteed Interest Rate - All amounts allocated to the AG Account earn a rate of interest that is

guaranteed for a specified period of time. The rate will be credited daily and will never be less than the minimum guaranteed interest rate shown on the Contract Schedule. We determine the rate and it is not based on investment experience.

For guaranteed terms of one year or less, one guaranteed interest rate is credited for the full guaranteed term. For longer guaranteed terms, an initial guaranteed interest rate is credited from the date of deposit to the end of a specified period within the guaranteed term. There may be different guaranteed interest rate(s) declared for subsequent specified time intervals throughout the guaranteed term.

7.02	Deposit Period - A calendar week, a calendar month, a calendar quarter, or any other period of time We specify during which Net Purchase Payment(s), transfers and reinvestments are accepted into the AG Account for one or more guaranteed terms. We reserve the right to extend the deposit period.
7.03	Guaranteed Term - The period of time for which AG Account guaranteed interest rates are guaranteed on Net Purchase Payments. Transfers and reinvestments are made into a current deposit period for the AG Account. Such period begins on the day following the close of the deposit period and ends on the designated Maturity Date. Guaranteed terms, if any, are offered at our discretion for various lengths of time ranging up to and including ten years.
	During a deposit period, We may make available any number of guaranteed terms. The Certificate Holder may allocate Net Purchase Payments and transfers into any or all of the available guaranteed terms.
7.04	Guaranteed Term(s) Groups - All AG Account guaranteed term(s) with the same length of time from the close of the deposit period until the designated Maturity Date.
7.05	Maturity Date - The last day of a guaranteed term.

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7.06	Allocation of Net Purchase Payments to the AG Account - When the Certificate Holder wishes to allocate all or any portion of a Net Purchase Payment to the Guaranteed Account, he or she must tell Us the percentage to apply to one or more of the AG Account guaranteed term(s) available during the current deposit period. If no allocation instructions are received, a Net Purchase Payment is allocated as indicated in the most recent directive from the Certificate Holder. If the same guaranteed term is not available for any amount allocated to the AG Account, We will allocate the amount to the next shortest guaranteed term available. If no shorter guaranteed term is available, We will allocate it to the next longest guaranteed term.
7.07	AG Account Guaranteed Term Maturity Date and Maturity Value - On the maturity date, the value of the total of all amounts allocated to that guaranteed term is called the maturity value.
	When Certificate Holders have assets in the AG Account, at least eighteen (18) days before a maturity date, We

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notify them of the:

(a) Projected maturity value; and

(b) Guaranteed terms and the applicable guaranteed interest rates available during the current deposit period.

When no allocation instructions are received and the assets in a guaranteed term have been reinvested by Us in another guaranteed term on the maturity date, the Certificate Holder may transfer or withdraw, during the month following the maturity date, the reinvested amount with interest earned (as of the date the request is received at our home office) without incurring a Market Value Adjustment. This transaction is allowed only once for each maturity date, regardless of whether the transfer or withdrawal is partial or full.

7.08	Withdrawals and Transfers from the AG Account - When the Certificate Holder requests a withdrawal or transfer from
	the	AG Account, if instructions are not provided by the Certificate Holder, amounts are withdrawn on a pro rata
	basis	from the guaranteed term(s) groups in which the Certificate Holder's Account is currently invested. Within a
	guaranteed	term group, the amount to be withdrawn will be withdrawn first from the oldest deposit period.
	Withdrawals	or transfers from an AG Account guaranteed term before the maturity date are subject to a Market Value
	Adjustment,	except for:
	(a)	A one month period following the maturity date described in 7.07;
	(b)	Transfers under the Dollar Cost Averaging program; and
	(c)	Withdrawals under the Systematic Withdrawal Option described in Section 8.07.

Only a positive Market Value Adjustment will apply to amounts transferred from the AG Account when the Certificate Holder elects Annuity Option 2 or 3.

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7.09	Reinvestment - We will mail a notice to the Certificate Holder before a guaranteed term's maturity date. This notice will contain the guaranteed terms available during the current deposit periods with their guaranteed interest rate(s) and projected maturity value. If no specific direction is given by the Certificate Holder prior to the maturity date, each maturity value will be reinvested in the current deposit period for a guaranteed term of the same duration. If a guaranteed term of the same duration is unavailable, each matured term value will automatically be reinvested in the current deposit period for the next shortest guaranteed term available. If no shorter guaranteed term is available, the next longer guaranteed term will be used. We will mail a confirmation statement to the Certificate Holder after the maturity date. This notice will state the guaranteed term and guaranteed interest rate(s) which will apply to the reinvested matured term value.
7.10	AG Account Market Value Adjustment (Factor) - The Market Value Adjustment factor (MVA factor) reflects any change in interest rates from the time assets are allocated to the AG Account to the time they are transferred or withdrawn.
	Except as noted in Section 7.09, 10.02 and 12.01, an MVA factor is applied to any amount withdrawn or transferred from the AG Account before the end of a guaranteed term.
	The amount withdrawn from the AG Account is multiplied by the MVA factor which is calculated as follows:

x
---
365

(1+i)
------------
x
---
365
(1+j)

Where:

i is the Deposit Period Yield j is the Current Yield x is the number of days remaining, (computed from Wednesday of the week of withdrawal) in the guaranteed Term.

Determination of MVA factor parameters:

A yield is computed at the close of the last business day of each week of the deposit period. The yield will equal the average of the yields on U.S. Treasury Notes which matured during the last three months of the applicable guaranteed term.

The deposit period yield is the average of those yields for the deposit period. If withdrawal is made prior to the close of the deposit period, it is the average of those yields on each week preceding withdrawal.

The current yield is the average of the yields on the last business day of the week preceding withdrawal on the same U.S. Treasury Notes included in the deposit period yield.

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If no U.S. Treasury Notes matured during the last three months of the guaranteed term, We reserve the right to use the average of the yields on U.S. Treasury Notes that mature during a following quarter.

Section 8. Certificate Holder's Account Value; Transfers and Withdrawals During the Accumulation Period

• -----------------------------------------------------------------------------------------------------------------------------------

• Certificate Holder's Account Value - The value of a Certificate Holder's Account is determined by adding the value

of the total of Accumulation Units attributed to the selected Fund(s) to the value of any amounts attributed to the AG Account.

8.02      Transfers During the Accumulation Period - Before the Annuity Date, the Certificate Holder may transfer from any

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Fund or guaranteed term of the AG Account to:

(a)	Any other Fund; or
(b)	Any guaranteed term of the AG Account available in the current deposit period.

Transfer requests can be submitted as a percentage or as a dollar amount. We may establish a minimum transfer amount. Within a guaranteed term group, the amount transferred is withdrawn first from the oldest deposit period, then from the next oldest, and so on until the amount requested is satisfied.

The Certificate Holder may make an unlimited number of transfers during the Accumulation Period. The number of free transfers allowed is shown on the Contract Schedule. Transfers in excess of that number may be subject to the transfer charge shown on the Contract Schedule. Transfers under the Dollar Cost Averaging program do not count toward the annual limit. Transfers of a matured term value from the AG Account on or within one calendar month after a guaranteed term's maturity date do not count against the annual transfer limit.

Amounts applied to guaranteed terms of the AG Account may not be transferred to the Funds or to another guaranteed term during the deposit period or for 90 days after the close of the deposit period except for (1) matured term value(s) during the calendar month following the guaranteed term's maturity date; (2) amounts applied to an annuity option; (3) transfers from the one-year guaranteed term under the Dollar Cost Averaging program; and (4) amounts distributed under the Systematic Withdrawal Option.

Except as noted in Section 7.09, 10.02 and 12.01, transfers from guaranteed terms of the AG Account before the Maturity Date are subject to a Market Value Adjustment.

8.03      Withdrawals During the Accumulation Period - The Certificate Holder may withdraw all or a portion of the Certificate Holder's Account Value during the Accumulation Period by properly completing a withdrawal request form. Withdrawal requests can be submitted as a percentage or as a specific dollar amount. Net Purchase Payment amounts are withdrawn first, and then the excess value, if any. For any partial withdrawal, if instructions are not provided by the Certificate Holder, amounts are withdrawn on a pro rata basis from the Fund(s), and/or the guaranteed term(s) groups in which the Certificate Holder's Account is currently invested. Within a guaranteed term group, the amount to be withdrawn will be withdrawn first from the oldest deposit period, then from the next oldest, and so on until the amount requested is satisfied.

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After deduction of the maintenance charge, if applicable, the withdrawn amount shall be reduced by the applicable deferred sales charge and any applicable premium taxes.

8.04	Deferred Sales Charge - The deferred sales charge only applies to the portion of the amount withdrawn attributable
	to	Net Purchase Payment(s) and varies according to the elapsed time since receipt of the Purchase Payment. The
	deferred	sales charge is shown on the Contract Schedule.
8.05	Waiver of Deferred Sales Charge - No deferred sales charge is deducted when a Certificate Holder's Account Value is
	paid:
	(a)	To a Beneficiary as a death benefit, except for Purchase Payments made by a surviving joint Certificate Holder as described in Section 10.02(b);
	(b)	As a premium for an Annuity Option;
	(c)	At least the number of months, as shown on the Contract Schedule, after the date of the first Purchase Payment and in an amount equal to or less than the percentage of the Certificate Holder's Account Value as shown on the Contract Schedule. This applies to the first withdrawal request, partial or full, in a calendar year. The Certificate Holder's Account Value is calculated as of the date the withdrawal request is received in good order at our home office. This waiver is not available to the Certificate Holder while a SWO is in effect;
	(d)	For a full withdrawal where the Certificate Holder's Account Value does not exceed the amount shown on the Contract Schedule and no withdrawals have been taken from the Certificate Holder's Account within the prior 12 months;
	(e)	For a distribution made by Us under Section 8.06; or
	(f)	For a distribution which is part of a SWO under Section 8.07.
	We	reserve the right to allow the proceeds of a total withdrawal to be reinstated under the terms and conditions as
	established	by Us from time to time.
8.06	Payment of Adjusted Certificate Holder Account Value - Upon 90 day's written notice to the Certificate Holder, We
	will	terminate any Certificate Holder's Account if the Certificate Holder's Account Value becomes less than $1,500
	immediately	following any partial withdrawal. We do not intend to exercise this right in cases where the Certificate
	Holder's	Account Value is reduced to $1,500 or less solely due to investment performance. When We make a
	distribution	pursuant to this provision, the deferred sales charge will not be deducted.
8.07	Systematic Withdrawal Option (SWO) - We will allow the Certificate Holder to establish a schedule of withdrawals to
	be	made automatically from the Certificate Holder's Account Value. All distributed amounts will be withdrawn on a
	pro	rata basis from the Fund(s) and/or the guaranteed term(s) groups of the AG Account in which the Certificate
	Holder's	Account is invested.
	The	Certificate Holder must elect one of the following SWO methods:

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(a)	Specified Payment: Payments of a designated dollar amount. The annual amount may not be greater than the percentage of the Certificate Holder's Account Value at time of the election as shown on the Contract Schedule.
	This annual dollar amount will remain constant. At our discretion, We may require a minimum payment amount; or
(b)	Specified Period: Payments which are made over a period of time which must be at least the minimum period as shown on the Contract Schedule. The annual amount paid each year is calculated by dividing the Certificate

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Holder's Account Value as of December 31 of the prior year by the number of payment years remaining; or

(c)	Specified Percentage: Payment of a designated percentage which cannot be greater than the percentage of the Certificate Holder's Account Value at the time of election as shown on the Contract Schedule. The percentage may be changed by written request. We reserve the right to limit the number of times the percentage may be changed.
	The annual amount is calculated by multiplying the Certificate Holder's Account Value as of December 31 of the year prior to the payment by the designated percentage.

SWO payments will cease at the Certificate Holder's death (or if the Certificate Holder is a nonnatural person, at the death of the Annuitant). A beneficiary may elect to continue SWO as provided in Section 10.01.

In our discretion, We may require a minimum initial Certificate Holder's Account Value for election of this option. SWO may be elected by submitting a completed and signed election form to Us. Once elected, this option may be revoked by submitting a written request to Us. SWO may be elected only once by the Certificate Holder or by a spousal Beneficiary.

Certificate Holders should consult their tax adviser prior to requesting this distribution option. We are not responsible for any adverse tax consequences due to a Certificate Holder's receiving SWO payments. A ten (10) percent penalty tax may apply to distributions to a Certificate Holder who has not reached age 59 1/2. Upon death of the Certificate Holder, any payments will be made under the terms of Section 10.

Dollar Cost Averaging is not available to Certificate Holders who have elected SWO.

Section 9. Maintenance Charge

• -----------------------------------------------------------------------------------------------------------------------------------

• Maintenance Charge - We will deduct an annual maintenance charge as shown in the Contract Schedule from the

Certificate Holder's Account during the Accumulation Period. We will deduct the maintenance charge on the anniversary of the Effective Date of the Certificate for the Certificate Holder's Account. This maintenance charge is also deducted upon withdrawal of the entire Adjusted Certificate Holder's Account. The maintenance charge is deducted proportionately from each investment option used.

Section 10. Proceeds Payable on Death

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10.01	Death of the Certificate Holder Prior to the Annuity Date - In the event of the death of the Certificate Holder or a
	joint	Certificate Holder prior to the Annuity Date, a death benefit is payable to the Beneficiary(ies) designated by
	the	Certificate Holder. Upon the death of a joint Certificate Holder, the surviving joint Certificate Holder, if
	any,	will be treated as the designated Beneficiary. Any other Beneficiary designation on record with Us at the time
	of	death will be treated as a contingent Beneficiary. If the Certificate Holder is a nonnatural person, the death
	benefit	will be payable to the Beneficiary(ies) at the death of the Annuitant.
	A	Beneficiary may request We pay the death benefit under one of the methods described in Section 10.03. If the
	Beneficiary	is the spouse of the Certificate Holder, or the spouse of the Annuitant if the Certificate Holder is a
	nonnatural	person, he or she may elect to continue the Certificate Holder's Account in his or her own name and
	exercise	all the Certificate Holder's rights under the Contract.
10.02	Death Benefit Amount Prior to the Annuity Date -
	(a)	Except as set forth below, the amount of the guaranteed death benefit value is equal to the greater of:
		(i)	The Certificate Holder's Account Value at the end of the Valuation Period during which We receive at our
			home	office due proof of death and election of the type of payment to be made; or
		(ii)	The death benefit determined as of the Valuation Period corresponding to the date of death.
			Until	the first Effective Date anniversary, the death benefit is equal to the Purchase Payments made by the
			Certificate	Holder prior to the Effective Date anniversary less any withdrawals and any amounts applied to
			an	Annuity Option.
			For	each Certificate year thereafter, the death benefit during the Certificate year equals the death
			benefit	at the beginning of the Certificate year plus Purchase Payments made during the year less any
			withdrawals	and any amounts applied to an Annuity Option.
			On	each Effective Date anniversary, the death benefit is determined as follows:
			(A)	The death benefit on the previous Effective Date anniversary increased by the death benefit factor shown on the Contract Schedule; plus
			(B)	Purchase Payments made by the Certificate Holder during the Certificate year increased by the death benefit factor shown on the Contract Schedule for the portion of the year since the Purchase Payment was made; less
			(C)	Any withdrawals or amounts applied to an Annuity Option during the Certificate year increased by the death benefit factor shown on the Contract Schedule for the portion of the Certificate year since the withdrawal or election of Annuity option; or

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(iii)      The Certificate Holder's Account Value on the most recent seventh year anniversary of the Effective Date plus any Purchase Payments made after such Effective Date anniversary less any withdrawals and any amounts applied to an Annuity Option.

Notwithstanding the foregoing, the death benefit under (ii) or (iii) will not exceed the death benefit maximum amount shown on the Contract Schedule.

The death benefit calculation described in (ii) and (iii) above, applies until the Certificate Holder reaches the

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death benefit maximum age shown on the Contract Schedule. If the Certificate Holder is a nonnatural person, death provisions will be based on the age of the Annuitant. Thereafter, the death benefit is only adjusted for Purchase Payments, withdrawals and amounts applied to Annuity Options. If the Certificate Holder reaches the death benefit maximum age shown on the Contract Schedule prior to the seventh anniversary of the Effective Date, the death benefit will be the greater of (i) or (ii) above.

The excess, if any, of the guaranteed death benefit value over the Certificate Holder's Account Value is determined when we receive at our home office due proof of death and allocated to the Fund shown on the Contract Schedule. The Certificate Holder's Account Value plus any excess amount deposited becomes the Certificate Holder's Account Value.

(b)      In the case of a spousal Beneficiary who continued the Certificate Holder's Account in his or her own name, the death benefit shall be equal to the Adjusted Current Value less any applicable deferred sales charge on any Purchase Payment made after We have received at our home office due proof of death of the joint Certificate Holder (or Annuitant, if applicable).

When the Beneficiary withdraws or transfers all or any portion of the death benefit in the AG Account within six months after the date of death, the amount withdrawn or transferred from the AG Account will be the greater of:

(1) The aggregate Market Value Adjustment amount (the amount resulting from the application of relevant Market Value Adjustment factors); or

(2) The applicable portion of Certificate Holder's Account Value in the AG Account.

After the six-month period, when the Beneficiary withdraws or transfers all or any portion of the death benefit in the AG Account, the amount will be equal to the aggregate Market Value Adjustment amount. Only a positive market value adjustment will apply, however, to amounts transferred from the AG Account when the Beneficiary elects Annuity Option 2 or 3.

At the death of a spousal Beneficiary who continued the Certificate Holder's Account in his or her own name, when the Beneficiary withdraws or transfers all or any portion of the death benefit in the AG Account, the amount will be equal to the Aggregate Market Value Adjustment amount.

10.03      Death Benefit Payment Methods - A non-spousal Beneficiary must elect the death benefit to be paid under one of the following methods in the event of the death of the Certificate Holder prior to the Annuity Date:

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Method 1 - Lump sum payment of the death benefit; or

Method 2 - The payment of the entire death benefit within five years of the date of the Certificate Holder's death; or

Method 3 - Payment of the death benefit over the lifetime of the designated Beneficiary or over a period not extending beyond the life expectancy of the designated Beneficiary with distribution beginning within one year of the date of death of the Certificate Holder.

Any portion of the death benefit not applied under Method 3 within one year of the date of Certificate Holder's death, or the death of the Annuitant if the Certificate Holder is a nonnatural person, must be distributed within five years of the date of death.

A spousal Beneficiary may elect to continue the Certificate Holder's Account in his or her name, elect a lump sum payment of the death benefit, or apply the Adjusted Certificate Holder's Account Value to an Annuity Option.

10.04

Death of Certificate Holder On or After the Annuity Date - If the Certificate Holder who is not the Annuitant, dies on or after the Annuity Date, the remaining payments under the Annuity Option elected will be made to the Beneficiary at least as rapidly as under the method of distribution in effect at the Certificate Holder's death.

10.05

Death of the Annuitant - If the Annuitant, who is not a Certificate Holder, dies on or before the Annuity Date, a new Annuitant may be named. If no Annuitant is named, the Certificate Holder will be the Annuitant. If the Certificate Holder is a nonnatural person, the death benefit will be paid at the death of the Annuitant and no new Annuitant may be named. If the Annuitant dies after the Annuity Date, the death benefit, if any, will be payable to the Beneficiary as specified in the Annuity Option elected. We will require proof of the Annuitant's death. Death benefits will be paid at least as rapidly as under the method of distribution in effect at the Annuitant's death.

Section 11. Delay of Payments

• -----------------------------------------------------------------------------------------------------------------------------------

• Delay of Payments - We will make any payments under this Contract within seven days after a request is received in

good order. We reserve the right to suspend or postpone any type of payment from the Separate Account for any period when:

(a)	The New York Stock Exchange is closed for other than customary weekend and holiday closings;
(b)	Trading on the Exchange is restricted;
(c)	An emergency exists as a result of which it is not reasonably practicable to dispose of securities held in the Separate Account or determine their value; or
(d)	The Securities and Exchange Commission so permits delay for the protection of security holders.

The applicable rules of the Securities and Exchange Commission will govern as to whether the conditions in (b) or (c) exist.

     We also reserve the right to delay any type of payment from the AG Account for up to six months. 21 <PAGE>

Section 12. Annuity Provisions

- -----------------------------------------------------------------------------------------------------------------------------------

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12.01	Designation of Annuitant - The Certificate Holder and the Annuitant need not be the same person. The Certificate
	Holder	names the Annuitant and during the Accumulation Period, may change the designated Annuitant. We change the
	Annuitant	when We receive a written request in good order at our home office. We will not change the Annuitant when
	Annuity	payments have commenced.
	The	Certificate Holder elects an Annuity Option by telling Us to use all or any portion of the Certificate Holder's
	Account	Value (minus any applicable premium taxes if not previously deducted) to purchase Annuity payments under an
	Annuity	Option. If the Certificate Holder elects Annuity Option 1, the amount applied to purchase Annuity payments
	will	be equal to the Adjusted Certificate Holder's Account Value. If the Certificate Holder elects Annuity Option 2
	or	3, the amount applied to purchase Annuity payments will be the greater of:
	(1)	The Adjusted Certificate Holder's Account Value; or
	(2)	The Certificate Holder's Account Value.
	When	an Annuity Option is chosen the Certificate Holder must designate a:
	(a)	Fixed Annuity using the General Account;
	(b)	Variable Annuity using any of the Funds available during the Annuity Period; or
	(c)	Combination of (a) and (b).
	If	a fixed Annuity is chosen, We will calculate the amount using an interest assumption no less than the percentage
	specified	on the Contract Schedule. We may calculate the amount using a higher interest rate.
	If	a variable Annuity is chosen, an Assumed Annual Net Return Rate of 5% may be chosen. If not chosen, We will use
	an	Assumed Annual Net Return Rate of 3.5%
	Payments	are made on a monthly basis to the Certificate Holder unless the Certificate Holder requests a different
	mode	of payment.
	Once	elected, an Annuity Option may not be revoked, except for Option 1 when elected on a variable basis.
12.02	Terms of Annuity Options - The minimum first payment amount must be at least $50 per month and at least $250 per
	year.
	If	the Certificate Holder elects a fixed Annuity and We determine that the Certificate Holder would receive larger
	payments	by applying the Certificate Holder's Account Value, reduced by the deferred sales charge, to a single
	premium	immediate Annuity currently offered by Us, We will make the larger payments.

We determine the first payment of a variable Annuity, or the payment amount of a fixed Annuity, using the Annuitant's (and second Annuitant's if applicable) adjusted age which We calculate as follows:

22

<PAGE>

(a)	If Annuity payments begin any time between July 1, 1992 and December 31, 1999, the adjusted age is the Annuitant's age as of the birthday closest in time to the Annuity Date reduced by one (1) year.
(b)	If the Annuity begins any time between January 1, 2000 and December 31, 2009, the adjusted age is the Annuitant's age as of the birthday closest in time to the Annuity Date reduced by two (2) years.
(c)	For each succeeding decade, the adjusted age is the Annuitant's age as determined in (b), reduced by one additional year.

The Annuity rates for Options 2 and 3 are based on mortality from 1983 Table A.

Assumed Annual Net Return Rate is the interest rate used to determine the amount of the first Annuity payment under a variable Annuity. The Separate Account must earn this rate plus enough to cover the mortality and expense risks charges (which may include profit) and administrative charges if future variable Annuity payments are to remain level.

The Certificate Holder must give written notice to Us at least 30 days before the Annuity payments begin, electing or changing:

(a)	The date on which Annuity payments are to begin;
(b)	The Annuity Option;
(c)	Whether the payments are to be made monthly, quarterly, semiannually or annually;
(d)	The investment options used to provide Annuity payments.

The first Annuity payment may not be earlier than one (1) calendar year after the initial Purchase Payment, nor later than the later of the:

(a)	First day of the month following the Annuitant's birthday shown on the Contract Schedule; or
(b)	Tenth anniversary of the last Purchase Payment. In lieu of the election of an Annuity, the Certificate Holder may request a lump sum payment.

12.03	Annuity Unit - The number of Annuity Units per Fund is based on the amount of the first variable Annuity payment
	which	is equal to:
	(a)	The portion of the Certificate Holder's Account Value (minus any premium taxes) applied to pay a variable Annuity; divided by,
	(b)	1000; multiplied by,
	(c)	The payment rate for the Annuity Option chosen.
	Such	amount, or portion, of the variable Annuity payment will be divided by the Annuity Unit value for the
	appropriate	Fund on the tenth Valuation Period before the due date of the first payment to determine the number of

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each Fund's Annuity Units. The number of each Fund's Annuity Unit remains fixed. Each future payment is equal to the sum of the products of each Fund's Annuity Unit value multiplied by the appropriate number of units. The Fund's Annuity Unit value on the tenth Valuation Period prior to the due date of the payment is used.

12.04 Annuity Unit Value - For any Valuation Period, a Fund's Annuity Unit value is equal to:

23

<PAGE>

(a)	The value for the previous Valuation Period; multiplied by,
(b)	The Annuity Net Return Factor for the Valuation Period; multiplied by,
(c)	A daily factor to reflect the Assumed Annual Net Return Rate (the factor for 3.5% per year is .9999058; for 5% per year it is .9998663).

The dollar value of a Fund(s) Annuity Unit values and payments may go up or down due to investment gain or loss.

12.05	Annuity Net Return Factor - The Annuity net return factor is used to compute all Separate Account Annuity payments
	for	any Fund.
	The	Annuity net return factor(s) for each Fund is equal to 1.0000000 plus the net return rate. The net return rate
	is	equal to:
	(a)	The value of the shares of the Fund held by the Separate Account at the end of a Valuation Period; minus,
	(b)	The value of the shares of the Fund held by the Separate Account at the start of the Valuation Period; plus or minus,
	(c)	Taxes (or reserves for taxes) on the Separate Account (if any); divided by
	(d)	The total value of the Fund(s) Accumulation Units and Fund(s) Annuity Units of the Separate Account at the start of the Valuation Period; minus,
	(e)	A daily actuarial charge as shown of the Contract Schedule for Annuity mortality and expense risks and profit and a daily administrative charge which will not exceed the administrative charge as shown on the Contract Schedule.
	The	net return rate may be more or less than zero (o) percent.
	The	value of a share of the Fund is equal to the net assets of
	the	Fund divided by the number of shares outstanding.
12.06	Annuity Options
	Option	1 - Payments for a Stated Period of Time - An Annuity will be paid for the number of years chosen. The number
	of	years must be at least 5 and not more than 30.
	If	payments for this Annuity Option are made under a variable Annuity, the present value of any remaining payments
	may	be withdrawn at any time. Option 2 - Life Income - An Annuity will be paid for the life of the Annuitant. If
	also	chosen, We will guarantee payments for 60, 120, 180, or 240 months.
	Option	3 - Life Income Based upon the Lives of Two Annuitants - An Annuity will be paid during the lives of the
	Annuitant	and a second Annuitant. Payments will continue until both Annuitants have died. When this Annuity Option
	is	chosen, a choice must be made of:

24

<PAGE>

(a)	100% of the payment to continue after the first death;
(b)	66 2/3% of the payment to continue after the first death;
(c)	50% of the payment to continue after the first death;
(d)	Payments for a minimum of 120 months with 100% of the payment to continue after the first death; or
(e)	100% of the payment to continue at the death of the second Annuitant and 50% of the payment to continue at the death of the Annuitant.

We may make other options available as allowed by law.

</TABLE>

25

<PAGE>

<TABLE>
<CAPTION>

OPTION 1

Payments for a Stated Period of Time

Amount of First Monthly Payment for Each $1,000
After Deduction of any Charge for Premium Taxes

Rates for a Fixed Annuity with Guaranteed Interest Rate of 3.0%

- ------------------- ------------------- ------------------ ------------------ ------------------- ------------------

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	Guaranteed	Monthly	Quarterly	Semi-Annual	Annual
Years	Rate	Payment	Payment	Payment	Payment

• ------------------- ------------------- ------------------ ------------------ ------------------- ------------------

<S>	<C>	<C>	<C>	<C>	<C>
5	3.00%	17.91	53.59	106.78	211.99
6	3.00%	15.14	45.30	90.27	179.22
7	3.00%	13.16	39.39	78.49	155.83
8	3.00%	11.68	34.96	69.66	138.31
9	3.00%	10.53	31.52	62.81	124.69
10	3.00%	9.61	28.77	57.33	113.82
11	3.00%	8.86	26.52	52.85	104.93
12	3.00%	8.24	24.65	49.13	97.54
13	3.00%	7.71	23.08	45.98	91.29
14	3.00%	7.26	21.73	43.29	85.95
15	3.00%	6.87	20.56	40.96	81.33
16	3.00%	6.53	19.54	38.93	77.29
17	3.00%	6.23	18.64	37.14	73.74
18	3.00%	5.96	17.84	35.56	70.59
19	3.00%	5.73	17.13	34.14	67.78
20	3.00%	5.51	16.50	32.87	65.26
21	3.00%	5.32	15.92	31.72	62.98
22	3.00%	5.15	15.40	30.68	60.92
23	3.00%	4.99	14.92	29.74	59.04
24	3.00%	4.84	14.49	28.88	57.33
25	3.00%	4.71	14.09	28.08	55.76
26	3.00%	4.59	13.73	27.36	54.31
27	3.00%	4.47	13.39	26.68	52.97
28	3.00%	4.37	13.08	26.06	51.74
29	3.00%	4.27	12.79	25.49	50.60
30	3.00%	4.18	12.52	24.95	49.53

- ------------------- ------------------- ------------------ ------------------ ------------------- ------------------</TABLE>

26

<PAGE>

<TABLE>
<CAPTION>

OPTION 2

Life Income

Amount of First Monthly Payment for Each $1,000 After Deduction of any Charge for Premium Taxes

Rates for a Fixed Annuity with Guaranteed Interest Rate of 3.0%

Payments Guaranteed for a Stated Period of Months

- ---------------------------------------------------------------------------------------------------------------------------------

Adjusted		None	60			120		180	240
Age of	------------------------------------------------------------------------------------------------------------------
Annuitant	Male	Female	Male	Female	Male	Female	Male	Female	Male Female

- ---------------------------------------------------------------------------------------------------------------------------------

<S>	<C>		<C>		<C>		<C>		<C>		<C>		<C>		<C>		<C>		<C>
50	$ 4.27		$ 3.90		$ 4.26		$ 3.90		$ 4.22		$ 3.89		$ 4.17		$ 3.86		$ 4.08		$ 3.82
51		4.34		3.97		4.33		3.96		4.30		3.95		4.23		3.92		4.14		3.88
52		4.43		4.03		4.41		4.03		4.37		4.01		4.30		3.98		4.20		3.93
53		4.51		4.10		4.50		4.10		4.45		4.08		4.37		4.04		4.26		3.99
54		4.60		4.18		4.59		4.17		4.54		4.15		4.45		4.11		4.32		4.04
55		4.70		4.25		4.68		4.25		4.62		4.22		4.53		4.18		4.39		4.11
56		4.80		4.34		4.78		4.33		4.72		4.30		4.61		4.25		4.45		4.17
57		4.91		4.42		4.89		4.41		4.82		4.38		4.69		4.32		4.51		4.23
58		5.03		4.52		5.00		4.51		4.92		4.47		4.78		4.40		4.58		4.30
59		5.15		4.61		5.12		4.60		5.03		4.56		4.87		4.48		4.65		4.37
60		5.28		4.72		5.25		4.70		5.14		4.66		4.96		4.57		4.71		4.44
61		5.43		4.83		5.39		4.81		5.27		4.76		5.06		4.66		4.78		4.51
62		5.58		4.95		5.53		4.93		5.39		4.87		5.16		4.75		4.84		4.58
63		5.74		5.08		5.69		5.05		5.53		4.99		5.26		4.85		4.90		4.65
64		5.91		5.21		5.85		5.18		5.66		5.10		5.36		4.95		4.96		4.72
65		6.10		5.36		6.03		5.32		5.81		5.22		5.46		5.05		5.02		4.79
66		6.30		5.51		6.21		5.47		5.96		5.36		5.56		5.16		5.08		4.86
67		6.51		5.67		6.41		5.63		6.12		5.50		5.66		5.26		5.13		4.93
68		6.73		5.85		6.62		5.80		6.28		5.65		5.77		5.37		5.18		5.00
69		6.97		6.04		6.84		5.98		6.44		5.80		5.86		5.49		5.23		5.06
70		7.23		6.25		7.07		6.18		6.61		5.97		5.96		5.60		5.27		5.12
71		7.51		6.47		7.32		6.39		6.79		6.14		6.05		5.71		5.31		5.18
72		7.80		6.71		7.58		6.62		6.96		6.32		6.14		5.83		5.34		5.23
73		8.12		6.98		7.85		6.86		7.14		6.50		6.23		5.94		5.37		5.28
74		8.46		7.26		8.14		7.12		7.32		6.69		6.31		6.04		5.40		5.32
75		8.82		7.57		8.45		7.40		7.50		6.89		6.38		6.14		5.42		5.35

- -----------------------------------------------------------------------------------------------------------------------------------

Rates are based on mortality from 1983 Table a.
Rates for ages not shown will be provided on request and will be computed
on a basis consistent with the rates in the above tables.
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Page 15 of 21

</TABLE>

     27 <PAGE>

<TABLE> <CAPTION>

OPTION 3

Life Income for Two Payees

Amount of First Monthly Payment for Each $1,000 After Deduction of any Charge for Premium Taxes

(Annuitant is Male and Second Annuitant is Female)

Rates for a Fixed Annuity with Guaranteed Interest Rate of 3.0%

- ----------------------------------------------------------------------------------------------------------------------------------

Adjusted Ages
- ------------------- -------------------
	Second
Annuitant	Annuitant	Option 3a	Option 3b	Option 3c	Option 3d	Option 3e

- ----------------------------------------------------------------------------------------------------------------------------------

<S>	<C>	<C>		<C>	<C>		<C>	<C>
55	50	$ 3.69		$ 4.05	$ 4.27		$ 3.69	$ 4.13
55	55		3.88	4.25		4.47	3.87		4.25
55	60		3.06	4.47		4.71	4.06		4.36
60	55		3.99	4.44		4.71	3.98		4.55
60	60		4.24	4.71		4.99	4.23		4.70
60	65		4.49	5.01		5.32	4.48		4.85
65	60		4.38	4.97		5.32	4.38		5.10
65	65		4.72	5.33		5.70	4.71		5.32
65	70		5.07	5.75		6.17	5.05		5.54
70	65		4.93	5.68		6.15	4.91		5.86
70	70		5.40	6.21		6.70	5.36		6.18
70	75		5.89	6.82		7.40	5.81		6.49
75	70		5.69	6.68		7.32	5.62		6.92
75	75		6.37	7.45		8.15	6.23		7.40
75	80		7.07	8.34		9.16	6.78		7.85

- ----------------------------------------------------------------------------------------------------------------------------------

Rates are based on mortality from 1983 Table a.

The rates assume the Annuitant is Male and the Second Annuitant is Female.

Rates for ages not shown will be provided on request and will be computed on a basis consistent with the rates in the above tables.

</TABLE>

28

<PAGE>

<TABLE>
<CAPTION>

OPTION 3

Life Income for Two Payees

Amount of First Monthly Payment for Each $1,000 After Deduction of any Charge for Premium Taxes

(Annuitant is Female and Second Annuitant is Male)

Rates for a Fixed Annuity with Guaranteed Interest Rate of 3.0%

- ----------------------------------------------------------------------------------------------------------------------------------

Adjusted Ages
- --------------------------------------
	Second
Annuitant	Annuitant	Option 3a	Option 3b	Option 3c	Option 3d	Option 3e

- ----------------------------------------------------------------------------------------------------------------------------------

<S>	<C>	<C>	<C>		<C>		<C>		<C>
55	50	$ 3.75	$ 4.07		$ 4.26		$ 3.75		$ 3.98
55	55	3.88		4.25		4.47		3.87		4.06
55	60	3.99		4.44		4.71		3.98		4.12
60	55	4.06		4.47		4.71		4.06		4.37
60	60	4.24		4.71		4.99		4.23		4.47
60	65	4.38		4.97		5.32		4.38		4.54
65	60	4.49		5.01		5.32		4.48		4.89
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						Page 16 of 21
65	65	4.72	5.33	5.70	4.71	5.02
65	70	4.93	5.68	6.15	4.91	5.14
70	65	5.07	5.75	6.17	5.05	5.60
70	70	5.40	6.21	6.70	5.36	5.79
70	75	5.69	6.68	7.32	5.62	5.96
75	70	5.89	6.83	7.40	5.81	6.63
75	75	6.37	7.45	8.15	6.23	6.92
75	80	6.78	8.11	8.99	6.54	7.15

- ----------------------------------------------------------------------------------------------------------------------------------

Rates are based on mortality from 1983 Table a.

The rates assume the Annuitant is Female and the Second Annuitant is Male.

Rates for ages not shown will be provided on request and will be computed on a basis consistent with the rates in the above tables.

</TABLE>

29

<PAGE>

<TABLE>
<CAPTION>

OPTION 1

Payments for a Stated Period of Time

Amount of First Monthly Payment for Each $1,000
After Deduction of any Charge for Premium Taxes

Rates for a Variable Annuity with Assumed Net Return Rate of 3.5%

- ----------------------------------------------------------------------------------------------------------------------------------

	Guaranteed	Monthly	Quarterly	Semi-Annual	Annual
Years	Rate	Payment	Payment	Payment	Payment

- ----------------------------------------------------------------------------------------------------------------------------------

<S>	<C>	<C>	<C>	<C>	<C>
5	3.50%	18.12	54.19	107.92	213.99
6	3.50%	15.35	45.92	91.44	181.32
7	3.50%	13.38	40.01	79.69	158.01
8	3.50%	11.90	35.59	70.88	140.56
9	3.50%	10.75	32.16	64.05	127.00
10	3.50%	9.83	29.42	58.59	116.18
11	3.50%	9.09	27.18	54.13	107.34
12	3.50%	8.46	25.32	50.42	99.98
13	3.50%	7.94	23.75	47.29	93.78
14	3.50%	7.49	22.40	44.62	88.47
15	3.50%	7.10	21.24	42.31	83.89
16	3.50%	6.76	20.23	40.29	79.89
17	3.50%	6.47	19.34	38.51	76.37
18	3.50%	6.20	18.55	36.94	73.25
19	3.50%	5.97	17.85	35.54	70.47
20	3.50%	5.75	17.22	34.28	67.98
21	3.50%	5.56	16.65	33.15	65.74
22	3.50%	5.39	16.13	32.13	63.70
23	3.50%	5.24	15.66	31.19	61.85
24	3.50%	5.09	15.24	30.34	60.17
25	3.50%	4.96	14.85	29.56	58.62
26	3.50%	4.84	14.49	28.85	57.20
27	3.50%	4.73	14.15	28.19	55.90
28	3.50%	4.63	13.85	27.58	54.69
29	3.50%	4.53	13.57	27.02	53.57
30	3.50%	4.45	13.30	26.49	52.53

- ----------------------------------------------------------------------------------------------------------------------------------

</TABLE>

30

<PAGE>

<TABLE>
<CAPTION>

OPTION 1

Payments for a Stated Period of Time

Amount of First Monthly Payment for Each $1,000
After Deduction of any Charge for Premium Taxes

Rates for a Variable Annuity with Assumed Net Return Rate of 5.0%

- ----------------------------------------------------------------------------------------------------------------------------------

	Guaranteed	Monthly	Quarterly	Semi-Annual	Annual
Years	Rate	Payment	Payment	Payment	Payment

- ----------------------------------------------------------------------------------------------------------------------------------
<S>	<C>	<C>	<C>	<C>	<C>
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					Page 17 of 21
5	5.00%	18.74	56.00	111.33	219.98
6	5.00%	15.99	47.77	94.96	187.64
7	5.00%	14.02	41.90	83.30	164.59
8	5.00%	12.56	37.52	74.58	147.35
9	5.00%	11.42	34.11	67.81	133.99
10	5.00%	10.51	31.40	62.42	123.34
11	5.00%	9.77	29.19	58.03	114.66
12	5.00%	9.16	27.36	54.38	107.45
13	5.00%	8.64	25.81	51.31	101.39
14	5.00%	8.20	24.50	48.69	96.21
15	5.00%	7.82	23.36	46.44	91.75
16	5.00%	7.49	22.37	44.47	87.88
17	5.00%	7.20	21.51	42.75	84.48
18	5.00%	6.94	20.74	41.23	81.47
19	5.00%	6.71	20.06	39.88	78.80
20	5.00%	6.51	19.46	38.68	76.42
21	5.00%	6.33	18.91	37.59	74.28
22	5.00%	6.17	18.42	36.62	72.35
23	5.00%	6.02	17.98	35.73	70.61
24	5.00%	5.88	17.57	34.93	69.02
25	5.00%	5.76	17.20	34.20	67.57
26	5.00%	5.65	16.87	33.53	66.25
27	5.00%	5.54	16.56	32.92	65.04
28	5.00%	5.45	16.28	32.35	63.93
29	5.00%	5.36	16.01	31.83	62.90
30	5.00%	5.28	15.77	31.35	61.95

- --------------------- -------------------- -------------------- -------------------- --------------------- --------------------</TABLE>

<PAGE>

<TABLE>
<CAPTION>

OPTION 2

Life Income

Amount of First Monthly Payment for Each $1,000 After Deduction of any Charge for Premium Taxes

Rates for a Variable Annuity with Assumed Net Return Rate of 3.5%

Payments Guaranteed for a Stated Period of Months

- --------------------------------------------------------------------------------------------------------------------------------

Adjusted		None	60			120	180		240
Age of	------------------------------------------------------------------------------------------------------------------
Annuitant	Male	Female	Male	Female	Male	Female	Male	Female	Male Female

- --------------------------------------------------------------------------------------------------------------------------------

<S>	<C>		<C>	<C>		<C>		<C>	<C>		<C>	<C>	<C>		<C>
50	$ 4.56		$ 4.20	$ 4.55		$ 4.19		$ 4.51	$ 4.18		$ 4.45	$ 4.15	$ 4.36		$ 4.11
51		4.64	4.26		4.62		4.25	4.58		4.24	4.51	4.21		4.42	4.16
52		4.72	4.32		4.70		4.32	4.66		4.30	4.58	4.26		4.48	4.21
53		4.80	4.39		4.79		4.38	4.74		4.36	4.65	4.32		4.53	4.27
54		4.89	4.46		4.87		4.46	4.82		4.43	4.73	4.39		4.59	4.32
55		4.99	4.54		4.97		4.53	4.91		4.50	4.80	4.46		4.65	4.38
56		5.09	4.62		5.07		4.61	5.00		4.58	4.88	4.53		4.72	4.44
57		5.20	4.71		5.17		4.70	5.10		4.66	4.96	4.60		4.78	4.50
58		5.32	4.80		5.29		4.79	5.20		4.75	5.05	4.68		4.84	4.57
59		5.44	4.90		5.41		4.88	5.31		4.84	5.14	4.76		4.91	4.63
60		5.57	5.00		5.53		4.99	5.42		4.93	5.23	4.84		4.97	4.70
61		5.71	5.11		5.67		5.09	5.54		5.03	5.32	4.93		5.03	4.77
62		5.86	5.23		5.81		5.21	5.66		5.14	5.42	5.02		5.09	4.84
63		6.02	5.36		5.97		5.33	5.79		5.25	5.51	5.11		5.16	4.91
64		6.20	5.49		6.13		5.46	5.93		5.37	5.61	5.21		5.21	4.98
65		6.38	5.64		6.31		5.60	6.07		5.49	5.71	5.31		5.27	5.05
66		6.58	5.79		6.49		5.75	6.22		5.63	5.81	5.41		5.32	5.12
67		6.79	5.95		6.69		5.91	6.38		5.76	5.91	5.52		5.38	5.18
68		7.02	6.13		6.89		6.08	6.53		5.91	6.01	5.63		5.42	5.25
69		7.26	6.32		7.11		6.26	6.70		6.06	6.11	5.74		5.47	5.31
70		7.52	6.53		7.35		6.45	6.86		6.23	6.20	5.85		5.51	5.37
71		7.80	6.75		7.59		6.66	7.03		6.39	6.29	5.96		5.54	5.42
72		8.09	6.99		7.85		6.89	7.21		6.57	6.38	6.07		5.57	5.47
73		8.41	7.26		8.12		7.13	7.38		6.75	6.46	6.17		5.60	5.51
74		8.75	7.54		8.41		7.39	7.55		6.94	6.53	6.28		5.63	5.55
75		9.12	7.85		8.71		7.66	7.73		7.13	6.61	6.38		5.65	5.59

- -------------------------------------------------------------------------------------------------------------------------------

Rates are based on mortality from 1983 Table a.

Rates for ages not shown will be provided on request and will be computed on a basis consistent with the rates in the above tables.

</TABLE>

32

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Page 18 of 21

<PAGE>

<TABLE> <CAPTION>

OPTION 2

Life Income

Amount of First Monthly Payment for Each $1,000 After Deduction of any Charge for Premium Taxes

Rates for a Variable Annuity with Assumed Net Return Rate of 5.0%

Payments Guaranteed for a Stated Period of Months

- --------------------------------------------------------------------------------------------------------------------------------

Adjusted		None	60			120	180		240
Age of	------------------------------------------------------------------------------------------------------------------
Annuitant	Male	Female	Male	Female	Male	Female	Male	Female	Male Female

- --------------------------------------------------------------------------------------------------------------------------------

<S>	<C>		<C>		<C>		<C>		<C>		<C>		<C>	<C>		<C>		<C>
50	$ 5.48		$ 5.12		$ 5.46		$ 5.11		$ 5.41		$ 5.09		$ 5.34	$ 5.06		$ 5.24		$ 5.01
51		5.55		5.17		5.53		5.17		5.48		5.14	5.40		5.11		5.29		5.05
52		5.63		5.23		5.61		5.23		5.55		5.20	5.46		5.16		5.34		5.10
53		5.71		5.30		5.69		5.29		5.62		5.26	5.53		5.22		5.40		5.15
54		5.80		5.37		5.77		5.36		5.70		5.33	5.60		5.27		5.45		5.20
55		5.89		5.44		5.86		5.43		5.79		5.39	5.67		5.34		5.51		5.25
56		5.99		5.52		5.96		5.51		5.87		5.47	5.74		5.40		5.56		5.31
57		6.10		5.60		6.06		5.59		5.97		5.54	5.82		5.47		5.62		5.37
58		6.21		5.69		6.17		5.67		6.06		5.62	5.90		5.54		5.68		5.42
59		6.33		5.79		6.29		5.77		6.17		5.71	5.98		5.61		5.74		5.48
60		6.46		5.89		6.41		5.87		6.28		5.80	6.06		5.69		5.79		5.55
61		6.60		6.00		6.55		6.97		6.39		5.90	6.15		5.77		5.85		5.61
62		6.75		6.11		6.69		6.08		6.51		6.00	6.24		5.86		5.91		5.67
63		6.91		6.23		6.84		6.20		6.64		6.10	6.33		5.95		5.96		5.73
64		7.09		6.37		7.00		6.33		6.77		6.22	6.42		6.04		6.02		5.80
65		7.27		6.51		7.18		6.46		6.91		6.34	6.52		6.13		6.07		5.86
66		7.47		6.66		7.36		6.61		7.05		6.46	6.61		6.23		6.12		5.92
67		7.68		6.82		7.55		6.76		7.20		6.60	6.70		6.33		6.16		5.99
68		7.91		7.00		7.76		6.93		7.35		6.74	6.80		6.43		6.21		6.04
69		8.15		7.19		7.98		7.11		7.51		6.89	6.89		6.54		6.25		6.10
70		8.41		7.39		8.21		7.30		7.67		7.04	6.97		6.64		6.28		6.15
71		8.69		7.62		8.45		7.51		7.83		7.21	7.06		6.74		6.32		6.20
72		8.99		7.86		8.70		7.73		8.00		7.38	7.14		6.85		6.35		6.25
73		9.31		8.12		8.97		7.97		8.16		7.55	7.21		6.95		6.37		6.29
74		9.65		8.41		9.26		8.23		8.33		7.73	7.29		7.04		6.39		6.33
75		10.02		8.72		9.55		8.50		8.50		7.92	7.35		7.14		6.41		6.36

- ---------------------------------------------------------------------------------------------------------------------------------

Rates are based on mortality from 1983 Table a.

Rates for ages not shown will be provided on request and will be computed on a basis consistent with the rates in the above tables.

</TABLE>

33

<PAGE>

<TABLE>
<CAPTION>

OPTION 3

Life Income for Two Payees

Amount of First Monthly Payment for Each $1,000
After Deduction of any Charge for Premium Taxes

(Annuitant is Male and Second Annuitant is Female)

Rates for a Variable Annuity with Assumed Net Return Rate of 3.5%

- --------------------------------------------------------------------------------------------------------------------------------

Adjusted Ages
- ------------------- -------------------
	Second
Annuitant	Annuitant	Option 3a	Option 3b	Option 3c	Option 3d	Option 3e

- --------------------------------------------------------------------------------------------------------------------------------

<S>	<C>	<C>		<C>		<C>		<C>		<C>
55	50	$ 3.97		$ 4.35		$ 4.56		$ 3.97		$ 4.42
55	55		4.16		4.54		4.76		4.15		4.54
55	60		4.34		4.76		5.00		4.34		4.64
60	65		4.27		4.73		5.00		4.26		4.83
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						Page 19 of 21
60	60	4.51	4.99	5.27	4.50	4.98
60	65	4.76	5.29	5.60	4.75	5.13
65	60	4.66	5.25	5.61	4.65	5.39
65	65	4.99	5.61	5.99	4.98	5.60
65	70	5.34	6.03	6.46	5.31	5.81
70	65	5.19	5.97	6.44	5.17	6.14
70	70	5.67	6.49	6.99	5.62	6.47
70	75	6.16	7.10	7.68	6.07	6.77
75	70	5.95	6.96	7.61	5.87	7.20
75	75	6.64	7.73	8.43	6.48	7.68
75	80	7.33	8.62	9.45	7.02	8.13

- --------------------------------------------------------------------------------------------------------------------------------

Rates are based on mortality from 1983 Table a.

The rates assume the Annuitant is Male and the Second Annuitant is Female.

Rates for ages not shown will be provided on request and will be computed on a basis consistent with the rates in the above tables.

</TABLE>

34

<PAGE>

<TABLE>
<CAPTION>

OPTION 3

Life Income for Two Payees

Amount of First Monthly Payment for Each $1,000
After Deduction of any Charge for Premium Taxes

(Annuitant is Female and Second Annuitant is Male)

Rates for a Variable Annuity with Assumed Net Return Rate of 3.5%

- --------------------------------------------------------------------------------------------------------------------------------

Adjusted Ages
- ------------------- -------------------
	Second
Annuitant	Annuitant	Option 3a	Option 3b	Option 3c	Option 3d	Option 3e

- --------------------------------------------------------------------------------------------------------------------------------

<S>	<C>	<C>		<C>		<C>		<C>		<C>
55	50	$ 4.03		$ 4.36		$ 4.55		$ 4.03		$ 4.41
55	55		4.16		4.54		4.76		4.15		4.54
55	60		4.27		4.73		5.00		4.26		4.83
60	55		4.34		4.76		5.00		4.34		4.64
60	60		4.51		4.99		5.27		4.50		4.98
60	65		4.66		5.25		5.61		4.65		5.39
65	60		4.76		5.29		5.60		4.75		5.13
65	65		4.99		5.61		5.99		4.98		5.60
65	70		5.19		5.97		6.44		5.17		6.14
70	65		5.34		6.03		6.46		5.31		5.81
70	70		5.67		6.49		6.99		5.62		6.47
70	75		5.95		6.96		7.61		5.87		7.20
75	70		6.16		7.10		7.68		6.07		6.77
75	75		6.64		7.73		8.43		6.48		7.68
75	80		7.04		8.39		9.29		6.79		8.70

- --------------------------------------------------------------------------------------------------------------------------------

Rates are based on mortality from 1983 Table a.

The rates assume the Annuitant is Female and the Second Annuitant is Male.
Rates for ages not shown will be provided on request and will be computed
on a basis consistent with the rates in the above tables.
</TABLE>
35
<PAGE>
<TABLE>
<CAPTION>
OPTION 3
Life Income for Two Payees
Amount of First Monthly Payment for Each $1,000
After Deduction of any Charge for Premium Taxes
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Page 20 of 21

(Annuitant is Male and Second Annuitant is Female)

Rates for a Variable Annuity with Assumed Net Return Rate of 5.0%

- --------------------------------------------------------------------------------------------------------------------------------

Adjusted Ages
- ------------------- -------------------
	Second
Annuitant	Annuitant	Option 3a	Option 3b	Option 3c	Option 3d	Option 3e

- --------------------------------------------------------------------------------------------------------------------------------

<S>	<C>	<C>		<C>		<C>		<C>		<C>
55	50	$ 4.88		$ 5.26		$ 5.48		$ 4.88		$ 5.34
55	55		5.04		5.44		5.66		5.04		5.43
55	60		5.21		5.65		5.89		5.21		5.53
60	55		5.15		5.63		5.91		5.14		5.73
60	60		5.37		5.87		6.16		5.37		5.86
60	65		5.61		6.16		6.49		5.60		6.01
65	60		5.52		6.14		6.51		5.51		6.28
65	65		5.83		6.49		6.87		5.82		6.47
65	70		6.17		6.90		7.33		6.13		6.67
70	65		6.04		6.84		7.34		6.00		7.03
70	70		6.49		7.35		7.87		6.44		7.33
70	75		6.97		7.96		8.56		6.87		7.62
75	70		6.77		7.84		8.51		6.68		8.08
75	75		7.45		8.60		9.33		7.27		8.55
75	80		8.14		9.49		10.35		7.80		8.98

- --------------------------------------------------------------------------------------------------------------------------------

Rates are based on mortality from 1983 Table a.

The rates assume the Annuitant is Male and the Second Annuitant is Female.

Rates for ages not shown will be provided on request and will be computed on a basis consistent with the rates in the above tables.

</TABLE>

36

<PAGE>

<TABLE>
<CAPTION>

OPTION 3

Life Income for Two Payees

Amount of First Monthly Payment for Each $1,000
After Deduction of any Charge for Premium Taxes

(Annuitant is Female and Second Annuitant is Male)
Rates for a Variable Annuity with Assumed Net Return Rate of 5.0%

- --------------------------------------------------------------------------------------------------------------------------------

Adjusted Ages
- ------------------- -------------------
	Second
Annuitant	Annuitant	Option 3a	Option 3b	Option 3c	Option 3d	Option 3e

- --------------------------------------------------------------------------------------------------------------------------------

<S>	<C>	<C>	<C>	<C>	<C>	<C>
55	50	$ 4.93	$ 5.27	$ 5.46	$4.93	$5.19
55	55	5.04	5.44	5.66	5.04	5.43
55	60	5.15	5.63	5.91	5.14	5.73
60	55	5.21	5.65	5.89	5.21	5.53
60	60	5.37	5.87	6.16	5.37	5.86
60	65	5.52	6.14	6.51	5.51	6.28
65	60	5.61	6.16	6.49	5.60	6.01
65	65	5.83	6.49	6.87	5.82	6.47
65	70	6.04	6.84	7.34	6.00	7.03
70	65	6.17	6.90	7.33	6.13	6.67
70	70	6.49	7.35	7.87	6.44	7.33
70	75	6.77	7.84	8.51	6.68	8.08
75	70	6.97	7.96	8.56	6.87	7.62
75	75	7.45	8.60	9.33	7.27	8.55
75	80	7.86	9.28	10.20	7.57	9.59

- --------------------------------------------------------------------------------------------------------------------------------

Rates are based on mortality from 1983 Table a.
The rates assume the Annuitant is Female and the Second Annuitant is Male.
Rates for ages not shown will be provided on request and will be computed
on a basis consistent with the rates in the above tables.
</TABLE>
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Page 21 of 21

37

<PAGE>

AETNA INSURANCE COMPANY OF AMERICA
Home Office: 151 Farmington Avenue
P.O. Box 30670
Hartford, Connecticut 06150-0670
(800)531-4547

Group Variable, Fixed, or Combination Annuity Contract
Nonparticipating

ALL PAYMENTS AND VALUES PROVIDED BY THE GROUP CONTRACT, WHEN BASED ON INVESTMENT EXPERIENCE OF A SEPARATE ACCOUNT, ARE VARIABLE AND ARE NOT GUARANTEED AS TO FIXED DOLLAR AMOUNT. THIS CONTRACT CONTAINS A MARKET VALUE ADJUSTMENT FORMULA. APPLICATION OF A MARKET VALUE ADJUSTMENT MAY RESULT IN EITHER AN INCREASE OR DECREASE IN THE CURRENT VALUE. THE MARKET VALUE ADJUSTMENT FORMULA DOES NOT APPLY TO A GUARANTEED TERM AT THE TIME OF ITS MATURITY.

38

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03/26/2018

EX-16

Page 1 of 23

Exhibit 16(4)(i)
Aetna Insurance Company of America
Home Office: 151 Farmington Avenue
P.O. Box 30670
Hartford, Connecticut 06150-0670
(800) 531-4547
You may call the toll-free number shown above for answers to
questions or to resolve a complaint.
Individual Variable, Fixed Or Combination Annuity Contract (Nonparticipating)
Aetna Insurance Company of America (We or Us), a stock company, agrees to pay
benefits according to the terms and conditions set forth in this Contract.
Specifications
- --------------------------------------------------------------------------------
Plan
- --------------------------------------------------------------------------------
Type of Plan
- --------------------------------------------------------------------------------
Contract Holder
- --------------------------------------------------------------------------------
Contract Number
- --------------------------------------------------------------------------------
Effective Date
This Contract is delivered in
and is subject to the laws and regulations of that state.
The variable features of the Contract are described in sections 6 and 12.
Right to Cancel
- --------------------------------------------------------------------------------
The Contract Holder may cancel this Contract within 10 days by returning it to
Us at the address shown above or to the person from whom it was purchased.
Within seven (7) days of the cancellation request, We will return the amount of
Purchase Payment(s) made plus any increase, or minus any decrease, on the Amount
allocated to the Separate Account.
Signed at the Home Office on the Effective Date.
/s/ Dan Kearney	/s/	Maria F. McKeon
President		Secretary
ALL PAYMENTS AND VALUES PROVIDED BY THE CONTRACT, WHEN BASED ON INVESTMENT
EXPERIENCE OF A SEPARATE ACCOUNT, ARE VARIABLE AND ARE NOT GUARANTEED AS TO
FIXED DOLLAR AMOUNT. THIS CONTRACT CONTAINS A MARKET VALUE ADJUSTMENT FORMULA.
APPLICATION OF A MARKET VALUE ADJUSTMENT MAY RESULT IN EITHER AN INCREASE OR
DECREASE IN THE CURRENT VALUE. THE MARKET VALUE ADJUSTMENT FORMULA DOES NOT
APPLY TO A GUARANTEED TERM AT THE TIME OF ITS MATURITY.
<PAGE>
Table of Contents
<TABLE>
<CAPTION>
			Page
<S>			<C>
Right to Cancel			1
Contract Schedule			4
Separate Account			4
AICA Guaranteed Account (AG Guaranteed Account)			4
Separate Account and AG Account			4
Fixed Annuity			5
Section 1. Definitions			6
Section 2. General Provisions			7
The Contract			7
Nonparticipating Contract			8
Misstatements and Adjustments			8
Reports			8
Premium Taxes			8
Protection of Proceeds			8
Evidence of Survival			8
Proof of Age			8
Change of Contract			8
Section 3. Ownership			8
Contract Holder Rights			8
Transfer of Ownership			9
Section 4. Beneficiary Provisions			9
Beneficiary			9
Change of Beneficiary			9
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Page 2 of 23

Death of Beneficiary	9
Section 5. Purchase Payments	9
Purchase Payments	9
Allocation of Purchase Payments	9
Section 6. Separate Account	10
General	10
Investment Allocations to the Separate Account	10
Valuation of Assets	10
Accumulation Unit	10
Net Return Factor for Each Valuation Period	10
Administrative Charge	11
Mortality Risk Charge	11
Expense Risk Charge	11
Mortality and Expense Guarantee	11
Section 7. AG Account	11
AG Account Guaranteed Interest Rate	11
Deposit Period	11
Guaranteed Term	11
Guaranteed Term(s) Groups	12
2
<PAGE>
Maturity Date	12
Allocation of Net Purchase Payments to the AG Account	12
AG Account Guaranteed Term Maturity Date and Maturity Value	12
Withdrawals and Transfers from the AG Account	12
Reinvestment	13
AG Account Market Value Adjustment (Factor)	13
Section 8. Contract Value; Transfers and Withdrawals During the Accumulation Period	14
Contract Value	14
Transfers During the Accumulation Period	14
Withdrawals During the Accumulation Period	14
Deferred Sales Charge	15
Waiver of Deferred Sales Charge	15
Payment of Adjusted Contract Value	15
Systematic Withdrawal Option (SWO)	15
Section 9. Maintenance Charge	16
Maintenance Charge	16
Section 10. Proceeds Payable on Death	16
Death of the Contract Holder Prior to the Annuity Date	16
Death Benefit Amount Prior to the Annuity Date	16
Death Benefit Payment Methods	18
Death of Contract Holder On or After the Annuity Date	18
Death of the Annuitant	19
Section 11. Delay of Payments	19
Delay of Payments	19
Section 12. Annuity Provisions	19
Designation of Annuitant	19
Terms of Annuity Options	20
Annuity Unit	21
Annuity Unit Value	21
Annuity Net Return Factor	21
Annuity Options	22
</TABLE>

3

<PAGE>

Contract Schedule
Separate Account
- -------------------------------------------------------------------------------
Separate Account:	Variable Account I
Charges to the	A daily charge is deducted from the assets of the
Separate Account:	Separate Account. The deduction is the daily
	equivalent of the annual effective percentage shown
	below:
	(a) During the Accumulation Period:
	Administrative Charge	0.15%
	Mortality Risk Charge	0.35%
	Expense Risk Charge	0.90%
	TOTAL Separate Account Charges
	During Accumulation Period	1.40%
	(b) During the Annuity Period
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Page 3 of 23

Administrative Charge Not To Exceed	0.25%
Mortality Risk Charge	0.35%
Expense Risk Charge	0.90%
TOTAL Maximum Separate Account
Charges During Annuity Period	1.50%

AICA Guaranteed Account (AG Guaranteed Account)

- -------------------------------------------------------------------------------

Minimum Guaranteed Interest Rate	3.0%
(effective annual rate of return):

Separate Account and AG Account

- -------------------------------------------------------------------------------

Minimum Initial Purchase Payment: Minimum Subsequent Purchase Payment:	$1,500 $500 or $50 per month if paid by an automatic check plan
Maximum Subsequent Purchase Payment:	$1,000,000 without home office approval
Transfers:	We allow an unlimited number of transfers during the Accumulation Period. Twelve (12) transfers in any calendar year are free. Thereafter, We reserve the right to charge a transfer charge up to $10 for each subsequent transfer.
Maintenance Charge:	The annual maintenance charge is $30. If the Contract Value is $50,000 or more on the date the maintenance charge is to be deducted, the maintenance charge is $0.

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Deferred Sales Charge:	For each withdrawal from the Contract Value, a
	deferred sales charge for each Net Purchase Payment
	will be determined as follows:
	Years from Receipt of	Deferred
	Net Purchase Payment	Sales Charge
	0-1	7%
	1-2	6%
	2-3	5%
	3-4	4%
	4-5	3%
	5-6	2%
	6-7	1%
	7+	0%
Waiver of Deferred	Section 8.05 provides for the following:
Sales Charge:
	(c) At least 12 months after the date of the first
	Purchase Payment in an amount equal to or less
	than 15% of the Contract Value.
	(d) For a full withdrawal where the Contract Value
	does not exceed $2,500 and no withdrawals have
	been taken from the Contract Value within the
	prior 12 months.
Systematic Withdrawal	(a) Specified Payment - Maximum Percentage: 10%
Option:
	(b) Specified Period - Minimum Period: 10 years
	(c) Specified Percentage - Maximum Percentage: 10%
Death Benefit Factor:	4%
Death Benefit Maximum	There is no maximum death benefit amount.
Amount:
Death Benefit Maximum Age:	85 years
Fund for Allocation of	Federated Prime Money Fund II
Excess Guaranteed
Death Benefit Value:
Latest Annuity Date:	The Contract Holder's 90th birthday.
Fixed Annuity
- ------------------------------------------------------------------------------
Minimum Guaranteed	3.0%
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Interest Rate
(effective annual rate
of return):

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Section 1. Definitions

• -------------------------------------------------------------------------------

• Accumulation Period - The period during which one or more Net Purchase

Payments applied to the Contract accumulate to provide future Annuity payments.

1.02	Accumulation Unit - A measure of the net investment results for each variable investment option during the Accumulation Period. The Accumulation Units for the applicable Funds are used to calculate the portion of the Contract Value attributable to a Separate Account during the Accumulation Period.
1.03	Adjusted Contract Value - The Contract Value, plus or minus any aggregate AG Account Market Value Adjustment.
1.04	ALIAC Guaranteed Account (AG Account) - An investment option where We guarantee specified rate(s) of interest for specified periods of time.
	The AG Account is a separate account established by Us in accordance with the provisions of the Connecticut General Statutes Section 38a-433. Contract Holders do not participate in the investment gain or loss from the assets held in the AG Account. Assets in the AG Account may be charged with liabilities arising out of any other business We may conduct.
1.05	Annuitant - The natural person on whose life an Annuity payment is based.
1.06	Annuity - A series of payments We make for life, a definite period or a combination of the two.
1.07	Annuity Date - The date on which Annuity payments commence.
1.08	Annuity Options - Annuity payment methods available during the Annuity Period.
1.09	Annuity Period - The period of time during which Annuity payments are made.
1.10	Annuity Unit - A measure of the net investment results for each variable investment option during the Annuity Period. Annuity Units are used to calculate the amount of each variable Annuity payment.
1.11	Beneficiary - The person(s) entitled to receive any death benefit under the Contract. Upon the death of a joint Contract Holder, the surviving joint Contract Holder, if any, is treated as the Beneficiary. Any other Beneficiary designation on record with Us at
the	time of death is treated as a contingent Beneficiary.
1.12	Contract Holder - The person who purchases a Contract. We reserve the
right	to limit ownership to natural persons. If more than one Contract
Holder	owns the Contract, each Contract Holder shall be a joint
Contract	Holder. Any joint Contract Holder must be the spouse of the
other	joint Contract Holder. Joint Contract Holders have joint
ownership	rights and both must authorize any exercising of those
ownership	rights unless otherwise allowed by Us. If the Contract is
owned	by a nonnatural person, the death benefit will be paid at the
death	of the Annuitant and a new Annuitant may not be named.

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1.13	Contract Value - The dollar value as of any Valuation Period of all amounts accumulated in the Contract.
1.14	Contract - This agreement between the Contract Holder and Us.
1.15	Dollar Cost Averaging - A program that permits the Contract Holder to systematically transfer amounts from any of the Funds and the one-year guaranteed term of the AG Account to any of the Funds. Dollar Cost Averaging is not available if the Systematic Withdrawal Option is in effect.
1.16	Effective Date - The date the Contract is issued to the Contract Holder.
1.17	Fund - One of the variable investment options which may be selected by a Contract Holder.
1.18	General Account - The General Account is made up of all of our general assets other than those allocated to the Separate Accounts.
1.19	Home Office - Our headquarters, located at 151 Farmington Avenue, Hartford, CT 06156.

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1.20	Market Value Adjustment - An adjustment that may apply to a withdrawal made from the AG Account before the end of a guaranteed term as stated in Section 7.10.
1.21	Net Purchase Payment - The Purchase Payment less premium taxes, if applicable.
1.22	Purchase Payment - The gross payment accepted by Us and allocated to the Contract. We reserve the right to refuse to accept any Purchase Payment at any time for any reason.
1.23	Separate Account - A separate account that buys and holds shares of the Fund(s). Income, gains or losses, realized or unrealized, are credited or charged to the Separate Account without regard to Our other income, gains or losses. We own the assets held in the Separate Account and are not a trustee as to such amounts. The Separate Account generally is not guaranteed and is held at market value. The name of the Separate Account is shown on the Contract Schedule. The assets of the Separate Account, to the extent of reserves and other Contract liabilities of the Separate Account, will not be charged with Our other liabilities.
1.24	Valuation Period - The period of time for which a Fund determines its net asset value, usually from 4:15 p.m. Eastern time each day the New York Stock Exchange is open until 4:15 p.m. the next such business day, or such other day that one or more of the Funds determines its net asset value. The assets of the Separate Account are not chargeable with the liabilities arising out of any other business We may conduct.
1.25	Variable Annuity Contract - An Annuity Contract providing for the accumulation of value and/or for Annuity payments which vary in amount based on investment results.

Section 2. General Provisions

• -------------------------------------------------------------------------------

• The Contract - The entire Contract consists of this Contract and any

endorsements attached or subsequently issued.

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2.02	Nonparticipating Contract - Neither the Contract Holder, nor any
	Beneficiary	have a right to share in our earnings.
2.03	Misstatements And Adjustments - If We learn that the age of any
	Annuitant	or second Annuitant is misstated, the correct age will be
	used	to adjust payments. We reserve the right to request reimbursement
	or	adjust future payments for any amount overpaid. We will pay the
	amount	of any underpayment.
2.04	Reports - We furnish each Contract Holder with a report showing the
	Contract	Value at least once each calendar year. We also furnish an
	annual	report of the Separate Account.
2.05	Premium Taxes - Any premium taxes paid to any governmental entity are
	charged	against Purchase Payments or the Contract Value. We may, at
	our	sole discretion, pay premium taxes when due and deduct that amount
	from	the Contract Value at a later date. Payment at an earlier date
	does	not waive any right We may have to deduct amounts at a later
	date.
2.06	Protection of Proceeds - To the extent permitted by law, all payments
	under	this Contract to a Contract Holder or Beneficiary shall be free
	from	legal process and the claim of any creditor.
2.07	Evidence of Survival - The Company may require satisfactory evidence
	of	the continued survival of any person(s) on whose life Annuity
	payments	are based.
2.08	Proof of Age - The Company may require evidence of age of any
	Annuitant	under Annuity Options 2 and 3 and of the designated second
	Annuitant	under Annuity Option 3.
2.09	Change of Contract - We reserve the right to change the Contract, but
	only	if a change is necessary to:
	(a)	Make the Contract or the Separate Account comply with state or federal laws or regulations; or
	(b)	Assure the continued qualified status of the Contract under the Code or other federal laws or regulations governing annuity contracts; or
	(c)	Reflect a change in the operation of the Separate Account or the Funds; or
	(d)	Provide additional funds; or
	(e)	Withdraw Funds

We will notify the Contract Holder in writing 30 days before any
change becomes effective. When appropriate, we will endorse the
Contract for the change.

Section 3. Ownership
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• -------------------------------------------------------------------------------

• Contract Holder Rights - The Contract Holder has all interest and

right to amounts held in his or her Contract. The Contract Holder and any joint Contract Holder are named on the Specifications page. The Contract Holder and any joint Contract Holder may exercise all the rights under the Contract, subject to the rights of:

(a)	Any assignee under an assignment filed at our home office; and
(b)	Any irrevocably named Beneficiary.

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Upon the death of a Contract Holder prior to the Annuity Date, a spousal Beneficiary may elect to continue the Contract in his or her own name and retain all ownership rights and privileges or take distribution of the death benefit as defined in Section 10.

3.02      Transfer of Ownership - A Contract Holder may transfer all of his or her rights under the Contract. We reserve the right not to accept an assignment or transfer to a nonnatural person. A written request, dated and signed by the Contract Holder and any joint Contract Holder, must be filed at our home office. After the transfer is recorded, it will take effect as of the date the request was signed. Any such transfer terminates the interest of any existing Contract Holder. It does not change the Beneficiary, nor transfer the Beneficiary's interest. A transfer will not affect any payments We may make or actions We may take before such transfer has been recorded at our home office.

Section 4. Beneficiary Provisions

• --------------------------------------- --------------------------------------

• Beneficiary - The Contract Holder may name a Beneficiary and a

contingent Beneficiary. At the death of the Contract Holder prior to the Annuity Date, the Beneficiary(ies) named in our records will receive a death benefit as stated in Section 10. Upon the death of either joint Contract Holder prior to the Annuity Date, the surviving joint Contract Holder, if any, will be treated as the designated Beneficiary and any other Beneficiary designation on record with Us at the time of death is treated as a contingent Beneficiary. If the Contract Holder is a nonnatural person, the death benefit will be paid at the death of the Annuitant.

4.02

Change of Beneficiary - The Contract Holder may change the Beneficiary. A written request, dated and signed by the Contract Holder, must be filed at our home office. If there are joint Contract Holders, both must sign the request. After the change is recorded, it will take effect as of the date the request was signed. If the request reaches our home office and is recorded after the Contract Holder dies, but before any payment is made, the change is valid.

4.03

Death of Beneficiary - If all of the Beneficiaries and contingent Beneficiaries die prior to the Contract Holder's death, We pay the death benefit in one sum to the Contract Holder's estate. If the Contract Holder is a nonnatural person, and all of the Beneficiaries and contingent Beneficiaries die prior to the Annuitant's death, We will pay the death benefit in one sum to the Contract Holder.

Section 5. Purchase Payments

• -------------------------------------------------------------------------------

• Purchase Payments - Subject to the maximum and minimum shown on the

Contract Schedule, the Contract Holder may determine the amount and frequency of Purchase Payments. We reserve the right not to accept any Purchase Payment. We will declare from time to time the acceptability of additional Purchase Payments.

5.02	Allocation of Purchase Payments - The Contract Holder may elect to
	have	each Net Purchase Payment accumulate:
	(a)	On a variable basis invested in shares of one or more Funds in which the Separate Account invests;
	(b)	For guaranteed terms offered in the current deposit period(s) under the AG Account; or
	(c)	In a combination of any of the available investment options.

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Net Purchase Payments must be allocated in whole percentages. For
subsequent Purchase Payments, if no allocation instructions are
received with the Purchase Payment, the allocation will be as
indicated in the most recent directive from the Contract Holder. If
the same guaranteed term(s) are not available, the next shortest will
be used. If no shorter guaranteed term is available, the next longer
guaranteed term will be used.
Section 6. Separate Account
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6.01	General - The assets of the Separate Account, equal to the reserves
	and	other Contract liabilities that depend on the investment
	performance	of the Separate Account are not chargeable with
	liabilities	arising out of any other business We may conduct. Income,
	gains	or losses of the Separate Account, realized or unrealized, are
	credited	to or charged against the assets of the Separate Account
	without	regard to Our other income, gains or losses.
6.02	Investment Allocations to the Separate Account - The assets of the
	Separate	Account are segregated by Fund, If the shares of any Fund are
	no	longer available for investment by the Separate Account or if in
	our	judgment, further investment in such shares should become
	inappropriate	in view of the purpose of the Contract, We may cease to
	make	such Fund shares available for investment under the Contract
	prospectively,	or We may substitute shares of another Fund for shares
	already	acquired. We may also, from time to time, add additional
	Funds.	Any elimination, substitution or addition of Funds will be done
	in	accordance with applicable state and federal securities laws. We
	reserve	the right to substitute shares of another Fund for shares
	already	acquired without a proxy vote.
6.03	Valuation Of Assets - The shares of the Funds will be valued at their
	net	asset value at the end of each Valuation Period.
6.04	Accumulation Unit - A Net Purchase Payment that is allocated to one or
	more	Funds is credited to the Contract as Accumulation Units. The
	number	of Accumulation Units credited is determined by dividing the
	applicable	portion of the Net Purchase Payment by the Accumulation
	Unit	value for the appropriate Fund. The Accumulation Unit value used
	is	that which is computed for the next Valuation Period after which
	the	Purchase Payment is received at our home office. Accumulation
	Units	attributable to the initial Purchase Payments will be credited
	within	two business days of acceptance.
	Accumulation	Unit values may increase or decrease from Valuation
	Period	to Valuation Period.
6.05	Net Return Factor for Each Valuation Period - The value of an
	Accumulation	Unit for any Valuation Period is calculated by
	multiplying	the Accumulation Unit value for the immediately preceding
	Valuation	Period by the net return factor of the appropriate Fund for
	the	current period.
	The	net return factor for each Fund is equal to 1.0000000 plus the net
	return	rate.
	The	net return rate equals:
	(a)	The value of the shares of the Fund held by the Separate Account at the end of a Valuation Period; minus
	(b)	The value of the shares of the Fund held by the Separate Account at the start of the Valuation Period; plus or minus

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(c)	Taxes (or reserves for taxes) on the Separate Account (if any); divided by
(d)	The total value of the Funds(s) Accumulation Units and Fund(s) Annuity Units of the Separate Account at the start of the Valuation Period; minus
(e)	A daily actuarial charge as shown on the Contract Schedule for Annuity mortality and expense risks and profit and a daily administrative charge.

The net return rate may be more or less than zero (0) percent.

The value of a share of the Fund is equal to the net assets of the
Fund divided by the number of shares outstanding.

6.06	Administrative Charge - We deduct an administrative charge equal, on an annual basis, to the amount shown on the Contract Schedule.
6.07	Mortality Risk Charge - We deduct a mortality risk charge equal, on an annual basis, to the amount shown on the Contract Schedule.
6.08	Expense Risk Charge - We deduct an expense risk charge equal, on an annual basis, to the amount shown on the Contract Schedule.
6.09	Mortality And Expense Guarantee - We guarantee that the dollar amount of each Annuity payment after the first will not be affected by variations in mortality or expense experience.

Section 7. AG Account

• -------------------------------------------------------------------------------

• AG Account Guaranteed Interest Rate - All amounts allocated to the AG

Account earn a rate of interest that is guaranteed for a specified period of time. The rate will be credited daily and will never be less

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than the minimum guaranteed interest rate shown on the Contract
Schedule. We determine the rate and it is not based on investment
experience.

For guaranteed terms of one year or less, one guaranteed interest rate is credited for the full guaranteed term. For longer guaranteed terms, an initial guaranteed interest rate is credited from the date of deposit to the end of a specified period within the guaranteed term. There may be different guaranteed interest rate(s) declared for subsequent specified time intervals throughout the guaranteed term.

7.02	Deposit Period - A calendar week, a calendar month, a calendar quarter, or any other period of time We specify during which Net Purchase Payment(s), transfers and reinvestments are accepted into the AG Account for one or more guaranteed terms. We reserve the right to extend the deposit period.
7.03	Guaranteed Term - The period of time for which AG Account guaranteed interest rates are guaranteed on Net Purchase Payments. Transfers and reinvestments are made into a current deposit period for the AG
	Account. Such period begins on the day following the close of the deposit period and ends on the designated Maturity Date. Guaranteed terms, if any, are offered at our discretion for various lengths of time ranging up to and including ten years.
	During a deposit period, We may make available any number of guaranteed terms. The Contract Holder may allocate Net Purchase Payments and transfers into any or all of the available guaranteed terms.

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7.04	Guaranteed Term(s) Groups - All AG Account guaranteed term(s) with the
	same	length of time from the close of the deposit period until the
	designated	Maturity Date.
7.05	Maturity Date - The last day of a guaranteed term.
7.06	Allocation of Net Purchase Payments to the AG Account - When the
	Contract	Holder wishes to allocate all or any portion of a Net
	Purchase	Payment to the Guaranteed Account, he or she must tell Us the
	percentage	to apply to one or more of the AG Account guaranteed
	term(s)	available during the current deposit period. If no allocation
	instructions	are received, a Net Purchase Payment is allocated as
	indicated	in the most recent directive from the Contract Holder. If
	the	same guaranteed term is not available for any amount allocated to
	the	AG Account, We will allocate the amount to the next shortest
	guaranteed	term available. If no shorter guaranteed term is available,
	We	will allocate it to the next longest guaranteed term.
7.07	AG Account Guaranteed Term Maturity Date and Maturity Value - On the
	maturity	date, the value of the total of all amounts allocated to that
	guaranteed	term is called the maturity value.
	When	the Contract Holder has assets in the AG Account, at least
	eighteen	(18) days before a maturity date, We notify him or her of
	the:
	(a)	Projected maturity value; and
	(b)	Guaranteed terms and the applicable guaranteed interest rates available during the current deposit period.
	When	no allocation instructions are received and the assets in a
	guaranteed	term have been reinvested by Us in another guaranteed term
	on	the maturity date, the Contract Holder may transfer or withdraw,
	during	the month following the maturity date, the reinvested amount
	with	interest earned (as of the date the request is received at our
	home	office) without incurring a Market Value Adjustment. This
	transaction	is allowed only once for each maturity date, regardless of
	whether	the transfer or withdrawal is partial or full.
7.08	Withdrawals and Transfers from the AG Account - When the Contract
	Holder	requests a withdrawal or transfer from the AG Account, if
	instructions	are not provided by the Contract Holder, amounts are
	withdrawn	on a pro rata basis from the guaranteed term(s) groups in
	which	the Contract is currently invested. Within a guaranteed term
	group,	the amount to be withdrawn will be withdrawn first from the
	oldest	deposit period. Withdrawals or transfers from an AG Account
	guaranteed	term before the maturity date are subject to a Market Value
	Adjustment,	except for:
	(a)	A one month period following the maturity date described in 7.07;
	(b)	Transfers under the Dollar Cost Averaging program; and
	(c)	Withdrawals under the Systematic Withdrawal Option described in Section 8.07.
	Only	a positive Market Value Adjustment will apply to amounts
	transferred	from the AG Account when the Contract Holder elects
	Annuity	Option 2 or 3.

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7.09

Reinvestment - We will mail a notice to the Contract Holder before a guaranteed term's maturity date. This notice will contain the guaranteed terms available during the current deposit periods with their guaranteed interest rate(s) and projected maturity value. If no specific direction is given by the Contract Holder prior to the maturity date, each maturity value will be reinvested in the current deposit period for a guaranteed term of the same duration. If a guaranteed term of the same duration is unavailable, each matured term value will automatically be reinvested in the current deposit period for the next shortest guaranteed term available. If no shorter guaranteed term is available, the next longer guaranteed term will be used. We will mail a confirmation statement to the Contract Holder after the maturity date. This notice will state the guaranteed term and guaranteed interest rate(s) which will apply to the reinvested matured term value.

7.10

AG Account Market Value Adjustment (Factor) - The Market Value Adjustment factor (MVA factor) reflects any change in interest rates from the time assets are allocated to the AG Account to the time they are transferred or withdrawn. Except as noted in Sections 7.09, 10.02 and 12.01, an MVA factor is applied to any amount withdrawn or transferred from the AG Account before the end of a guaranteed term.

The amount withdrawn from the AG Account is multiplied by the MVA
factor which is calculated as follows:

x
---
365

(1+i)
------------
x
---
365
(1+j)
Where:

i is the Deposit Period Yield
j is the Current Yield
x is the number of days remaining, (computed from
Wednesday of the week of withdrawal) in the
guaranteed Term.

Determination of MVA factor parameters:

A yield is computed at the close of the last business day of each week of the deposit period. The yield will equal the average of the yields on U.S. Treasury Notes which matured during the last three months of the applicable guaranteed term.

The deposit period yield is the average of those yields for the
deposit period. If withdrawal is made prior to the close of the
deposit period, it is the average of those yields on each week
preceding withdrawal.

The current yield is the average of the yields on the last business
day of the week preceding withdrawal on the same U.S. Treasury Notes
included in the deposit period yield.

If no U.S. Treasury Notes matured during the last three months of the guaranteed term, We reserve the right to use the average of the yields on U.S. Treasury Notes that mature during a following quarter.

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Section 8. Contract Value; Transfers And Withdrawals During The Accumulation Period

• ------------------------------------------------------------------------------

• Contract Value - The value of the Contract is determined by adding the

value of the total of Accumulation Units attributed to the selected
Fund(s) to the value of any amounts attributed to the AG Account.

8.02	Transfers During the Accumulation Period - Before the Annuity Date,
	the	Contract Holder may transfer from any Fund or guaranteed term of
	the	AG Account to:
	(a)	Any other Fund; or
	(b)	Any guaranteed term of the AG Account available in the current deposit period.
	Transfer	requests can be submitted as a percentage or as a dollar
	amount.	We may establish a minimum transfer amount. Within a
	guaranteed	term group, the amount transferred is withdrawn first from
	the	oldest deposit period, then from the next oldest, and so on until
	the	amount requested is satisfied.
	The	Contract Holder may make an unlimited number of transfers during
	the	Accumulation Period. The number of free transfers allowed is shown

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on the Contract Schedule. Transfers in excess of that number may be subject to the transfer charge shown on the Contract Schedule. Transfers under the Dollar Cost Averaging program do not count toward the annual limit. Transfers of a matured term value from the AG Account on or within one calendar month after a guaranteed term's maturity date do not count against the annual transfer limit.

Amounts applied to guaranteed terms of the AG Account may not be transferred to the Funds or to another guaranteed term during the deposit period or for 90 days after the close of the deposit period except for (1) matured term value(s) during the calendar month following the guaranteed term's maturity date; (2) amounts applied to an annuity option; (3) transfers from the one-year guaranteed term under the Dollar Cost Averaging program; and (4) amounts distributed under the Systematic Withdrawal Option.

Except as noted in Section 7.09, 10.02 and 12.01, transfers from
guaranteed terms of the AG Account before the Maturity Date are
subject to a Market Value Adjustment.

8.03	Withdrawals During the Accumulation Period - The Contract Holder may withdraw all or a portion of the Contract Value during the Accumulation Period by properly completing a withdrawal request form.
	Withdrawal requests can be submitted as a percentage or as a specific dollar amount. Net Purchase Payment amounts are withdrawn first, and then the excess value, if any. For any partial withdrawal, if instructions are not provided by the Contract Holder, amounts are withdrawn on a pro rata basis from the Fund(s), and/or the guaranteed term(s) groups in which the Contract is currently invested. Within a guaranteed term group, the amount to be withdrawn will be withdrawn first from the oldest deposit period, then from the next oldest, and so on until the amount requested is satisfied.
	After deduction of the maintenance charge, if applicable, the withdrawn amount shall be reduced by the applicable deferred sales charge and any applicable premium taxes.

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8.04	Deferred Sales Charge - The deferred sales charge only applies to the
	portion	of the amount withdrawn attributable to Net Purchase
	Payment(s)	and varies according to the elapsed time since receipt of
	the	Purchase Payment. The deferred sales charge is shown on the
	Contract	Schedule.
8.05	Waiver of Deferred Sales Charge - No deferred sales charge is deducted
	when	the Contract Value is paid:
	(a)	To a Beneficiary as a death benefit, except for Purchase Payments made by a surviving joint Contract Holder as described in Section 10.02(b);
	(b)	As a premium for an Annuity Option;
	(c)	At least the number of months, as shown on the Contract Schedule, after the date of the first Purchase Payment and in an amount equal to or less than the percentage of the Contract Value as shown on the Contract Schedule. This applies to the first withdrawal request, partial or full, in a calendar year. The Contract Value is calculated as of the date the withdrawal request is received in good order at our home office. This Waiver is not available to the Contract Holder while a SWO is in effect;
	(d)	For a full withdrawal where the Contract Value does not exceed the amount shown on the Contract Schedule and no withdrawals have been taken from the Contract within the prior 12 months;
	(e)	For a distribution made by Us under Section 8.06; or
	(f)	For a distribution which is part of a SWO under Section 8.07.
	We	reserve the right to allow the proceeds of a total withdrawal to be
	reinstated	under the terms and conditions as established by Us from
	time	to time.
8.06	Payment of Adjusted Contract Value - Upon 90 day's written notice to
	the	Contract Holder, We will terminate any Contract if the Contract
	Value	becomes less than $1,500 immediately following any partial
	withdrawal.	We do not intend to exercise this right in cases where the
	Contract	Value is reduced to $1,500 or less solely due to investment
	performance.	When We make a distribution pursuant to this provision,
	the	deferred sales charge will not be deducted.
8.07	Systematic Withdrawal Option (SWO) - We will allow the Contract Holder
	to	establish a schedule of withdrawals to be made automatically from
	the	Contract Value. All distributed amounts will be withdrawn on a pro
	rata	basis from the Fund(s) and/or the guaranteed term(s) groups of
	the	AG Account in which the Contract is invested.
	The	Contract Holder must elect one of the following SWO methods:
	(a)	Specified Payment: Payments of a designated dollar amount. The annual amount may not be greater than the percentage of the Contract Value at time of the election as shown on the Contract Schedule. This annual dollar amount will remain constant. At our discretion, We may require a minimum payment amount; or
	(b)	Specified Period: Payments which are made over a period of time

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which must be at least the minimum period as shown on the Contract
Schedule. The annual amount paid each year is calculated by
dividing the Contract Value as of December 31 of the prior year by
the number of payment years remaining; or

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(c)      Specified Percentage: Payment of a designated percentage which cannot be greater than the percentage of the Contract Value at the time of election as shown on the Contract Schedule. The percentage may be changed by written request. We reserve the right to limit the number of times the percentage may be changed. The annual amount is calculated by multiplying the Contract Value as of December 31 of the year prior to the payment by the designated percentage.

SWO payments will cease at the Contract Holder's death (or if the
Contract Holder is a nonnatural person, at the death of the
Annuitant). A beneficiary may elect to continue SWO as provided in
Section 10.01.

In our discretion, We may require a minimum initial Contract Value for election of this option. SWO may be elected by submitting a completed and signed election form to Us. Once elected, this option may be revoked by submitting a written request to Us. SWO may be elected only once by the Contract Holder or by a spousal Beneficiary.

The Contract Holder should consult his or her tax adviser prior to requesting this distribution option. We are not responsible for any adverse tax consequences due to the Contract Holder receiving SWO payments. A ten (10) percent penalty tax may apply to distributions to a Contract Holder who has not reached age 59 1/2. Upon death of the Contract Holder, any payments will be made under the terms of Section 10.

Dollar Cost Averaging is not available to Contract Holders who have
elected SWO.

Section 9. Maintenance Charge

• ----------------------------------------------------------------------------

• Maintenance Charge - We will deduct an annual maintenance charge as

shown in the Contract Schedule from the Contract during the
Accumulation Period. We will deduct the maintenance charge on the
anniversary of the Effective Date of the Contract. This maintenance
charge is also deducted upon withdrawal of the entire Adjusted
Contract Value. The maintenance charge is deducted proportionately
from each investment option used.

Section 10. Proceeds Payable on Death

• -----------------------------------------------------------------------------

• Death of Contract Holder Prior to the Annuity Date - In the event of

the death of the Contract Holder or a joint Contract Holder prior to the Annuity Date, a death benefit is payable to the Beneficiary(ies) designated by the Contract Holder. Upon the death of a joint Contract Holder, the surviving joint Contract Holder, if any, will be treated as the designated Beneficiary. Any other Beneficiary designation on record with Us at the time of death will be treated as a contingent Beneficiary. If the Contract Holder is a nonnatural person, the death benefit will be payable to the Beneficiary(ies) at the death of the Annuitant.

A Beneficiary may request We pay the death benefit under one of the methods described in Section 10.03. If the Beneficiary is the spouse of the Contract Holder, or the spouse of the Annuitant if the Contract Holder is a nonnatural person, he or she may elect to continue the Contract in his or her own name and exercise all the Contract Holder rights under the Contract.

10.02 Death Benefit Amount Prior To The Annuity Date -

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<PAGE>

(a)	Except as set forth below, the amount of the guaranteed death
	benefit	value is equal to the greater of:
	(i)	The Contract Value at the end of the Valuation Period during which We receive at our home office due proof of death and election of the type of payment to be made; or
	(ii)	The death benefit determined as of the Valuation Period corresponding to the date of death.
		Until the first Effective Date anniversary, the death benefit is equal to the Purchase Payments made by the Contract Holder prior to the Effective Date anniversary less any withdrawals and any amounts applied to an Annuity Option.

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For each Contract year thereafter, the death benefit during
the Contract year equals the death benefit at the beginning
of the Contract year plus Purchase Payments made during the
year less any withdrawals and any amounts applied to an
Annuity Option.

On each Effective Date anniversary, the death benefit is
determined as follows:

(A)	The death benefit on the previous Effective Date anniversary increased by the death benefit factor shown on the Contract Schedule; plus
(B)	Purchase Payments made by the Contract Holder during the Contract year increased by the death benefit factor shown on the Contract Schedule for the portion of the year since the Purchase Payment was made; less
(C)	Any withdrawals or amounts applied to an Annuity Option during the Contract year increased by the death benefit factor shown on the Contract Schedule for the portion of the Contract year since the withdrawal or election of Annuity option; or

(iii) The Contract Value on the most recent seventh year
anniversary of the Effective Date plus any Purchase Payments
made after such Effective Date anniversary less any
withdrawals and any amounts applied to an Annuity Option.

Notwithstanding the foregoing, the death benefit under (ii) or (iii) will not exceed the death benefit maximum amount shown on the Contract Schedule.

The death benefit calculation described in (ii) and (iii) above, applies until the Contract Holder reaches the death benefit maximum age shown on the Contract Schedule. If the Contract Holder is a nonnatural person, death provisions will be based on the age of the Annuitant. Thereafter, the death benefit is only adjusted for Purchase Payments, withdrawals and amounts applied to Annuity Options. If the Contract Holder reaches the death benefit maximum age shown on the Contract Schedule prior to the seventh anniversary of the Effective Date, the death benefit will be the greater of (i) or (ii) above.

The excess, if any, of the guaranteed death benefit value over the Contract Value is determined when we receive at our home office due proof of death and allocated to the Fund shown on the Contract Schedule. The Contract Value plus any excess amount deposited becomes the Contract Value.

17

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(b)      In the case of a spousal Beneficiary who continued the Contract in his or her own name, the death benefit shall be equal to the Adjusted Contract Value less any applicable deferred sales charge on any Purchase Payment made after We have received at our home office due proof of death of the joint Contract Holder (or Annuitant, if applicable).

When the Beneficiary withdraws or transfers all or any portion of the death benefit in the AG Account within six months after the date of death, the amount withdrawn or transferred from the AG Account will be the greater of:

(1) The aggregate Market Value Adjustment amount (the amount resulting from the application of relevant Market Value Adjustment factors); or

(2) The applicable portion of the Contract Value in the AG Account.

After the six-month period, when the Beneficiary withdraws or transfers all or any portion of the death benefit in the AG Account, the amount will be equal to the aggregate Market Value Adjustment amount. Only a positive market value adjustment will apply, however, to amounts transferred from the AG Account when the Beneficiary elects Annuity Option 2 or 3.

At the death of a spousal Beneficiary who continued the Contract in his or her own name, when the Beneficiary withdraws or transfers all or any portion of the death benefit in the AG Account, the amount will be equal to the Aggregate Market Value Adjustment amount.

10.03	Death Benefit Payment Methods - A non-spousal Beneficiary must elect the death benefit to be paid under one of the following methods in the event of the death of the Contract Holder prior to the Annuity Date:
	Method 1 - Lump sum payment of the death benefit; or
	Method 2 - The payment of the entire death benefit within five years of the date of the Contract Holder's death; or
	Method 3 - Payment of the death benefit over the lifetime of the

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designated Beneficiary or over a period not extending beyond the life expectancy of the designated Beneficiary with distribution beginning within one year of the date of death of the Contract Holder.

Any portion of the death benefit not applied under Method 3 within one year of the date of Contract Holder's death, or the death of the Annuitant if the Contract Holder is a nonnatural person, must be distributed within five years of the date of death.

A spousal Beneficiary may elect to continue the Contract in his or her name, elect a lump sum payment of the death benefit, or apply the Adjusted Contract Value to an Annuity Option.

10.04      Death of Contract Holder on or After the Annuity Date - If the Contract Holder who is not the Annuitant, dies on or after the Annuity Date, the remaining payments under the Annuity Option elected will be made to the Beneficiary at least as rapidly as under the method of distribution in effect at the Contract Holder's death.

18

<PAGE>

10.05      Death of the Annuitant - If the Annuitant, who is not a Contract Holder, dies on or before the Annuity Date, a new Annuitant may be named. If no Annuitant is named, the Contract Holder will be the Annuitant. If the Contract Holder is a nonnatural person, the death benefit will be paid at the death of the Annuitant and no new Annuitant may be named. If the Annuitant dies after the Annuity Date, the death benefit, if any, will be payable to the Beneficiary as specified in the Annuity Option elected. We will require proof of the Annuitant's death. Death benefits will be paid at least as rapidly as under the method of distribution in effect at the Annuitant's death.

Section 11. Delay Of Payments

• -------------------------------------------------------------------------------

• Delay Of Payments - We will make any payments under this Contract

within seven days after a request is received in good order. We reserve the right to suspend or postpone any type of payment from the Separate Account for any period when:

(a)	The New York Stock Exchange is closed for other than customary weekend and holiday closings;
(b)	Trading on the Exchange is restricted;
(c)	An emergency exists as a result of which it is not reasonably practicable to dispose of securities held in the Separate Account or determine their value; or
(d)	The Securities and Exchange Commission so permits delay for the protection of security holders.

The applicable rules of the Securities and Exchange Commission will
govern as to whether the conditions in (b) or (c) exist.

We also reserve the right to delay any type of payment from the AG
Account for up to six months.

Section 12. Annuity Provisions

• -------------------------------------------------------------------------------

• Designation of Annuitant - The Contract Holder and the Annuitant need

not be the same person. The Contract Holder names the Annuitant and
during the Accumulation Period, may change the designated Annuitant.
We change the Annuitant when We receive a written request in good
order at our home office. We will not change the Annuitant when
Annuity payments have commenced.

The Contract Holder elects an Annuity Option by telling Us to use all or any portion of the Contract Value (minus any applicable premium taxes if not previously deducted) to purchase Annuity payments under an Annuity Option. If the Contract Holder elects Annuity Option 1, the amount applied to purchase Annuity payments will be equal to the Adjusted Contract Value. If the Contract Holder elects Annuity Option 2 or 3, the amount applied to purchase Annuity payments will be the greater of:

(1) The Adjusted Contract Value; or (2) The Contract Value.

When an Annuity option is chosen the Contract Holder must designate a:

19

<PAGE>

(a)	Fixed Annuity using the General Account;
(b)	Variable Annuity using any of the Funds available during the Annuity Period; or
(c)	Combination of (a) and (b).

If a fixed Annuity is chosen, We will calculate the amount using an interest assumption no less than the percentage specified on the Contract Schedule. We may calculate the amount using a higher interest

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rate.

If a variable Annuity is chosen, an Assumed Annual Net Return Rate of 5% may be chosen. If not chosen, We will use an Assumed Annual Net Return Rate of 3.5%

Payments are made on a monthly basis to the Contract Holder unless the Contract Holder requests a different mode of payment.

Once elected, an Annuity Option may not be revoked, except for Option 1 when elected on a variable basis.

12.02	Terms of Annuity Options - The minimum first payment amount must be at
	least	$50 per month and at least $250 per year.
	If	the Contract Holder elects a fixed Annuity and We determine that
	the	Contract Holder would receive larger payments by applying the
	Contract	Value, reduced by the deferred sales charge, to a single
	premium	immediate Annuity currently offered by Us, We will make the
	larger	payments.
	We	determine the first payment of a variable Annuity, or the payment
	amount	of a fixed Annuity, using the Annuitant's (and second
	Annuitant's	if applicable) adjusted age which We calculate as follows:
	(a)	If Annuity payments begin any time between July 1, 1992 and
		December	31, 1999, the adjusted age is the Annuitant's age as of
		the	birthday closest in time to the Annuity Date reduced by one
		(1)	year.
	(b)	If the Annuity begins any time between January 1, 2000 and
		December	31, 2009, the adjusted age is the Annuitant's age as of
		the	birthday closest in time to the Annuity Date reduced by two
		(2)	years.
	(c)	For each succeeding decade, the adjusted age is the Annuitant's
		age	as determined in (b), reduced by one additional year.
	The	Annuity rates for Options 2 and 3 are based on mortality from 1983
	Table	A.
	Assumed	Annual Net Return Rate is the interest rate used to determine
	the	amount of the first Annuity payment under a variable Annuity. The
	Separate	Account must earn this rate plus enough to cover the
	mortality	and expense risks charges (which may include profit) and
	administrative	charges if future variable Annuity payments are to
	remain	level.
	The	Contract Holder must give written notice to Us at least 30 days
	before	the Annuity payments begin, electing or changing:

20

<PAGE>

(a)	The date on which Annuity payments are to begin;
(b)	The Annuity Option;
(c)	Whether the payments are to be made monthly, quarterly, semiannually or annually;
(d)	The investment options used to provide Annuity payments.

The first Annuity payment may not be earlier than one (1) calendar
year after the initial Purchase Payment, nor later than the later of
the:

(a)	First day of the month following the Annuitant's birthday shown on the Contract Schedule; or
(b)	Tenth anniversary of the last Purchase Payment. In lieu of the election of an Annuity, the Contract Holder may request a lump sum payment.

12.03	Annuity Unit - The number of Annuity Units per Fund is based on the
	amount	of the first variable Annuity payment which is equal to:
	(a)	The portion of the Contract Value (minus any premium taxes) applied to pay a variable Annuity; divided by,
	(b)	1000; multiplied by,
	(c)	The payment rate for the Annuity Option chosen.
	Such	amount, or portion, of the variable Annuity payment will be
	divided	by the Annuity Unit value for the appropriate Fund on the
	tenth	Valuation Period before the due date of the first payment to
	determine	the number of each Fund's Annuity Units. The number of each
	Fund's	Annuity Unit remains fixed. Each future payment is equal to the
	sum	of the products of each Fund's Annuity Unit value multiplied by
	the	appropriate number of units. The Fund's Annuity Unit value on the
	tenth	Valuation Period prior to the due date of the payment is used.
12.04	Annuity Unit Value - For any Valuation Period, a Fund's Annuity Unit
	value	is equal to:
	(a)	The value for the previous Valuation Period; multiplied by,
	(b)	The Annuity Net Return Factor for the Valuation Period; multiplied by,
	(c)	A daily factor to reflect the Assumed Annual Net Return Rate (the factor for 3.5% per year is .9999058; for 5% per year it is

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.9998663).

The dollar value of a Fund(s) Annuity Unit values and payments may go up or down due to investment gain or loss.

12.05	Annuity Net Return Factor - The Annuity net return factor is used to compute all Separate Account Annuity payments for any Fund.
	The Annuity net return factor(s) for each Fund is equal to 1.0000000 plus the net return rate. The net return rate is equal to:

21

<PAGE>

(a)	The value of the shares of the Fund held by the Separate Account at the end of a Valuation Period; minus,
(b)	The value of the shares of the Fund held by the Separate Account at the start of the Valuation Period; plus or minus,
(c)	Taxes (or reserves for taxes) on the Separate Account (if any); divided by
(d)	The total value of the Fund(s) Accumulation Units and Fund(s) Annuity Units of the Separate Account at the start of the Valuation Period; minus,
(e)	A daily actuarial charge as shown of the Contract Schedule for Annuity mortality and expense risks and profit and a daily administrative charge which will not exceed the administrative charge as shown on the Contract Schedule.

The net return rate may be more or less than zero (o) percent,

The value of a share of the Fund is equal to the net assets of the
Fund divided by the number of shares outstanding.

12.06	Annuity Options
	Option	1 - Payments for a Stated Period of Time - An Annuity will be
	paid	for the number of years chosen. The number of years must be at
	least	5 and not more than 30.
	If	payments for this Annuity Option are made under a variable Annuity,
	the	present value of any remaining payments may be withdrawn at any
	time.
	Option	2 - Life Income - An Annuity will be paid for the life of the
	Annuitant.	If also chosen, We will guarantee payments for 60, 120,
	180,	or 240 months.
	Option	3 - Life Income Based upon the Lives of Two Annuitants - An
	Annuity	will be paid during the lives of the Annuitant and a second
	Annuitant.	Payments will continue until both Annuitants have died.
	When	this Annuity Option is chosen, a choice must be made of:
	(a)	100% of the payment to continue after the first death;
	(b)	66 2/3% of the payment to continue after the first death;
	(c)	50% of the payment to continue after the first death;
	(d)	Payments for a minimum of 120 months with 100% of the payment to continue after the first death; or
	(e)	100% of the payment to continue at the death of the second Annuitant and 50% of the payment to continue at the death of the Annuitant.
	We	may make other options available as allowed by law.

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<PAGE>

<TABLE>
<CAPTION>

OPTION 1

Payments for a Stated Period of Time

Amount of First Monthly Payment for Each $1,000
After Deduction of Any Charge for Premium Taxes

Rates for a Fixed Annuity with Guaranteed Interest Rate of 3.0%

• --------------------- -------------------- -------------------- -------------------- --------------------- --------------------

Years

Guaranteed Rate

Monthly Payment

Quarterly Payment Semi-Annual Payment

Annual Payment

• --------------------- -------------------- -------------------- -------------------- --------------------- --------------------

<S>	<C>	<C>	<C>	<C>	<C>
5	3.00%	17.91	53.59	106.78	211.99
6	3.00%	15.14	45.30	90.27	179.22
7	3.00%	13.16	39.39	78.49	155.83
8	3.00%	11.68	34.96	69.66	138.31
9	3.00%	10.53	31.52	62.81	124.69
10	3.00%	9.61	28.77	57.33	113.82
11	3.00%	8.86	26.52	52.85	104.93
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12	3.00%	8.24	24.65	49.13	97.54
13	3.00%	7.71	23.08	45.98	91.29
14	3.00%	7.26	21.73	43.29	85.95
15	3.00%	6.87	20.56	40.96	81.33
16	3.00%	6.53	19.54	38.93	77.29
17	3.00%	6.23	18.64	37.14	73.74
18	3.00%	5.96	17.84	35.56	70.59
19	3.00%	5.73	17.13	34.14	67.78
20	3.00%	5.51	16.50	32.87	65.26
21	3.00%	5.32	15.92	31.72	62.98
22	3.00%	5.15	15.40	30.68	60.92
23	3.00%	4.99	14.92	29.74	59.04
24	3.00%	4.84	14.49	28.88	57.33
25	3.00%	4.71	14.09	28.08	55.76
26	3.00%	4.59	13.73	27.36	54.31
27	3.00%	4.47	13.39	26.68	52.97
28	3.00%	4.37	13.08	26.06	51.74
29	3.00%	4.27	12.79	25.49	50.60
30	3.00%	4.18	12.52	24.95	49.53

- --------------------- -------------------- -------------------- -------------------- --------------------- --------------------</TABLE>

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<PAGE>

<TABLE>
<CAPTION>

OPTION 2

Life Income

Amount of First Monthly Payment for Each $1,000 After Deduction of Any Charge for Premium Taxes

Rates for a Fixed Annuity with Guaranteed Interest Rate of 3.0%

Payments Guaranteed for a Stated Period of Months

- -----------------------------------------------------------------------------------------------------------------------------

Adjusted		None	60			120	180		240
Age of	-----------------------------------------------------------------------------------------------------------------
Annuitant	Male	Female	Male	Female	Male	Female	Male	Female	Male Female

- ------------------------------------------------------------------------------------------------------------------------------

<S>	<C>	<C>	<C>	<C>	<C>	<C>	<C>	<C>	<C>	<C>
50	$4.27	$3.90	$4.26	$3.90	$4.22	$3.89	$4.17	$3.86	$4.08	$3.82
51	4.34	3.97	4.33	3.96	4.30	3.95	4.23	3.92	4.14	3.88
52	4.43	4.03	4.41	4.03	4.37	4.01	4.30	3.98	4.20	3.93
53	4.51	4.10	4.50	4.10	4.45	4.08	4.37	4.04	4.26	3.99
54	4.60	4.18	4.59	4.17	4.54	4.15	4.45	4.11	4.32	4.04
55	4.70	4.25	4.68	4.25	4.62	4.22	4.53	4.18	4.39	4.11
56	4.80	4.34	4.78	4.33	4.72	4.30	4.61	4.25	4.45	4.17
57	4.91	4.42	4.89	4.41	4.82	4.38	4.69	4.32	4.51	4.23
58	5.03	4.52	5.00	4.51	4.92	4.47	4.78	4.40	4.58	4.30
59	5.15	4.61	5.12	4.60	5.03	4.56	4.87	4.48	4.65	4.37
60	5.28	4.72	5.25	4.70	5.14	4.66	4.96	4.57	4.71	4.44
61	5.43	4.83	5.39	4.81	5.27	4.76	5.06	4.66	4.78	4.51
62	5.58	4.95	5.53	4.93	5.39	4.87	5.16	4.75	4.84	4.58
63	5.74	5.08	5.69	5.05	5.53	4.99	5.26	4.85	4.90	4.65
64	5.91	5.21	5.85	5.18	5.66	5.10	5.36	4.95	4.96	4.72
65	6.10	5.36	6.03	5.32	5.81	5.22	5.46	5.05	5.02	4.79
66	6.30	5.51	6.21	5.47	5.96	5.36	5.56	5.16	5.08	4.86
67	6.51	5.67	6.41	5.63	6.12	5.50	5.66	5.26	5.13	4.93
68	6.73	5.85	6.62	5.80	6.28	5.65	5.77	5.37	5.18	5.00
69	6.97	6.04	6.84	5.98	6.44	5.80	5.86	5.49	5.23	5.06
70	7.23	6.25	7.07	6.18	6.61	5.97	5.96	5.60	5.27	5.12
71	7.51	6.47	7.32	6.39	6.79	6.14	6.05	5.71	5.31	5.18
72	7.80	6.71	7.58	6.62	6.96	6.32	6.14	5.83	5.34	5.23
73	8.12	6.98	7.85	6.86	7.14	6.50	6.23	5.94	5.37	5.28
74	8.46	7.26	8.14	7.12	7.32	6.69	6.31	6.04	5.40	5.32
75	8.82	7.57	8.45	7.40	7.50	6.89	6.38	6.14	5.42	5.35

- ---------------------------------------------------------------------------------------------------------------------------------

Rates are based on mortality from 1983 Table a.

Rates for ages not shown will be provided on request and will be computed on a basis consistent with the rates in the above tables.

</TABLE>

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<PAGE>

<TABLE> <CAPTION>

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OPTION 3

Life Income for Two Payees

Amount of First Monthly Payment for Each $1,000 After Deduction of Any Charge for Premium Taxes

(Annuitant is Male and Second Annuitant is Female)

Rates for a Fixed Annuity with Guaranteed Interest Rate of 3.0%

- ----------------------------------------------------------------------------------------------------------------------------------

Adjusted Ages
- --------------------------------------
Annuitant	Second Annuitant	Option 3a	Option 3b	Option 3c	Option 3d	Option 3e

- -----------------------------------------------------------------------------------------------------------------------------------

<S>	<C>	<C>	<C>	<C>	<C>	<C>
55	50	$3.69	$4.05	$4.27	$3.69	$4.13
55	55	3.88	4.25	4.47	3.87	4.25
55	60	3.06	4.47	4.71	4.06	4.36
60	55	3.99	4.44	4.71	3.98	4.55
60	60	4.24	4.71	4.99	4.23	4.70
60	65	4.49	5.01	5.32	4.48	4.85
65	60	4.38	4.97	5.32	4.38	5.10
65	65	4.72	5.33	5.70	4.71	5.32
65	70	5.07	5.75	6.17	5.05	5.54
70	65	4.93	5.68	6.15	4.91	5.86
70	70	5.40	6.21	6.70	5.36	6.18
70	75	5.89	6.82	7.40	5.81	6.49
75	70	5.69	6.68	7.32	5.62	6.92
75	75	6.37	7.45	8.15	6.23	7.40
75	80	7.07	8.34	9.16	6.78	7.85

- ----------------------------------------------------------------------------------------------------------------------------------

Rates are based on mortality from 1983 Table a.

The rates assume the Annuitant is Male and the Second Annuitant is Female.

Rates for ages not shown will be provided on request and will be computed on a basis consistent with the rates in the above tables.

</TABLE>

25

<PAGE>

<TABLE>
<CAPTION>

OPTION 3

Life Income for Two Payees

Amount of First Monthly Payment for Each $1,000 After Deduction of Any Charge for Premium Taxes

(Annuitant is Female and Second Annuitant is Male)

Rates for a Fixed Annuity with Guaranteed Interest Rate of 3.0%

- ----------------------------------------------------------------------------------------------------------------------------------Adjusted Ages

- --------------------------------------
Annuitant	Second Annuitant	Option 3a	Option 3b	Option 3c	Option 3d	Option 3e

- -----------------------------------------------------------------------------------------------------------------------------------

<S>	<C>	<C>	<C>	<C>	<C>	<C>
55	50	$3.75	$4.07	$4.26	$3.75	$3.98
55	55	3.88	4.25	4.47	3.87	4.06
55	60	3.99	4.44	4.71	3.98	4.12
60	55	4.06	4.47	4.71	4.06	4.37
60	60	4.24	4.71	4.99	4.23	4.47
60	65	4.38	4.97	5.32	4.38	4.54
65	60	4.49	5.01	5.32	4.48	4.89
65	65	4.72	5.33	5.70	4.71	5.02
65	70	4.93	5.68	6.15	4.91	5.14
70	65	5.07	5.75	6.17	5.05	5.60
70	70	5.40	6.21	6.70	5.36	5.79
70	75	5.69	6.68	7.32	5.62	5.96
75	70	5.89	6.83	7.40	5.81	6.63
75	75	6.37	7.45	8.15	6.23	6.92
75	80	6.78	8.11	8.99	6.54	7.15

- -----------------------------------------------------------------------------------------------------------------------------------
Rates are based on mortality from 1983 Table a.
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Page 18 of 23

The Rates Assume the Annuitant is Female and the Second Annuitant is Male.

Rates for ages not shown will be provided on request and will be computed on a basis consistent with the rates in the above tables.

</TABLE>

26

<PAGE>

<TABLE>
<CAPTION>

OPTION 1

Payments for a Stated Period of Time

Amount of First Monthly Payment for Each $1,000
After Deduction of any Charge for Premium Taxes

Rates for a Variable Annuity with Assumed Net Return Rate of 3.5%

- ---------------------------------------------------------------------------------------------------------------------------

     Years Guaranteed Rate Monthly Payment Quarterly Payment Semi-Annual Payment Annual Payment - ---------------------------------------------------------------------------------------------------------------------------

<S>	<C>	<C>	<C>	<C>	<C>
5	3.50%	18.12	54.19	107.92	213.99
6	3.50%	15.35	45.92	91.44	181.32
7	3.50%	13.38	40.01	79.69	158.01
8	3.50%	11.90	35.59	70.88	140.56
9	3.50%	10.75	32.16	64.05	127.00
10	3.50%	9.83	29.42	58.59	116.18
11	3.50%	9.09	27.18	54.13	107.34
12	3.50%	8.46	25.32	50.42	99.98
13	3.50%	7.94	23.75	47.29	93.78
14	3.50%	7.49	22.40	44.62	88.47
15	3.50%	7.10	21.24	42.31	83.89
16	3.50%	6.76	20.23	40.29	79.89
17	3.50%	6.47	19.34	38.51	76.37
18	3.50%	6.20	18.55	36.94	73.25
19	3.50%	5.97	17.85	35.54	70.47
20	3.50%	5.75	17.22	34.28	67.98
21	3.50%	5.56	16.65	33.15	65.74
22	3.50%	5.39	16.13	32.13	63.70
23	3.50%	5.24	15.66	31.19	61.85
24	3.50%	5.09	15.24	30.34	60.17
25	3.50%	4.96	14.85	29.56	58.62
26	3.50%	4.84	14.49	28.85	57.20
27	3.50%	4.73	14.15	28.19	55.90
28	3.50%	4.63	13.85	27.58	54.69
29	3.50%	4.53	13.57	27.02	53.57
30	3.50%	4.45	13.30	26.49	52.53

- ---------------------------------------------------------------------------------------------------------------------------

</TABLE>

27

<PAGE>

<TABLE>
<CAPTION>

OPTION 1

Payments for a Stated Period of Time

Amount of First Monthly Payment for Each $1,000
After Deduction of any Charge for Premium Taxes

Rates for a Variable Annuity with Assumed Net Return Rate of 5.0%

- ---------------------------------------------------------------------------------------------------------------------------

Years Guaranteed Rate Monthly Payment Quarterly Payment Semi-Annual Payment Annual Payment

- ---------------------------------------------------------------------------------------------------------------------------

<S>	<C>	<C>	<C>	<C>	<C>
5	5.00%	18.74	56.00	111.33	219.98
6	5.00%	15.99	47.77	94.96	187.64
7	5.00%	14.02	41.90	83.30	164.59
8	5.00%	12.56	37.52	74.58	147.35
9	5.00%	11.42	34.11	67.81	133.99
10	5.00%	10.51	31.40	62.42	123.34
11	5.00%	9.77	29.19	58.03	114.66
12	5.00%	9.16	27.36	54.38	107.45
13	5.00%	8.64	25.81	51.31	101.39
14	5.00%	8.20	24.50	48.69	96.21
15	5.00%	7.82	23.36	46.44	91.75
16	5.00%	7.49	22.37	44.47	87.88
17	5.00%	7.20	21.51	42.75	84.48
18	5.00%	6.94	20.74	41.23	81.47
19	5.00%	6.71	20.06	39.88	78.80
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					Page 19 of 23
20	5.00%	6.51	19.46	38.68	76.42
21	5.00%	6.33	18.91	37.59	74.28
22	5.00%	6.17	18.42	36.62	72.35
23	5.00%	6.02	17.98	35.73	70.61
24	5.00%	5.88	17.57	34.93	69.02
25	5.00%	5.76	17.20	34.20	67.57
26	5.00%	5.65	16.87	33.53	66.25
27	5.00%	5.54	16.56	32.92	65.04
28	5.00%	5.45	16.28	32.35	63.93
29	5.00%	5.36	16.01	31.83	62.90
30	5.00%	5.28	15.77	31.35	61.95

- ---------------------------------------------------------------------------------------------------------------------------

</TABLE>

28

<PAGE>

<TABLE>
<CAPTION>

OPTION 2

Life Income

Amount of First Monthly Payment for Each $1,000 After Deduction of any Charge for Premium Taxes

Rates for a Variable Annuity with Assumed Net Return Rate of 3.5%

Payments Guaranteed for a Stated Period of Months

- ----------------------------------------------------------------------------------------------------------------------------

Adjusted		None		60		120	180		240
Age of	-----------------------------------------------------------------------------------------------------------------
Annuitant	Male	Female	Male	Female	Male	Female	Male	Female	Male Female

- ----------------------------------------------------------------------------------------------------------------------------

<S>	<C>	<C>	<C>	<C>	<C>	<C>	<C>	<C>	<C>	<C>
50	$4.56	$4.20	$4.55	$4.19	$4.51	$4.18	$4.45	$4.15	$4.36	$4.11
51	4.64	4.26	4.62	4.25	4.58	4.24	4.51	4.21	4.42	4.16
52	4.72	4.32	4.70	4.32	4.66	4.30	4.58	4.26	4.48	4.21
53	4.80	4.39	4.79	4.38	4.74	4.36	4.65	4.32	4.53	4.27
54	4.89	4.46	4.87	4.46	4.82	4.43	4.73	4.39	4.59	4.32
55	4.99	4.54	4.97	4.53	4.91	4.50	4.80	4.46	4.65	4.38
56	5.09	4.62	5.07	4.61	5.00	4.58	4.88	4.53	4.72	4.44
57	5.20	4.71	5.17	4.70	5.10	4.66	4.96	4.60	4.78	4.50
58	5.32	4.80	5.29	4.79	5.20	4.75	5.05	4.68	4.84	4.57
59	5.44	4.90	5.41	4.88	5.31	4.84	5.14	4.76	4.91	4.63
60	5.57	5.00	5.53	4.99	5.42	4.93	5.23	4.84	4.97	4.70
61	5.71	5.11	5.67	5.09	5.54	5.03	5.32	4.93	5.03	4.77
62	5.86	5.23	5.81	5.21	5.66	5.14	5.42	5.02	5.09	4.84
63	6.02	5.36	5.97	5.33	5.79	5.25	5.51	5.11	5.16	4.91
64	6.20	5.49	6.13	5.46	5.93	5.37	5.61	5.21	5.21	4.98
65	6.38	5.64	6.31	5.60	6.07	5.49	5.71	5.31	5.27	5.05
66	6.58	5.79	6.49	5.75	6.22	5.63	5.81	5.41	5.32	5.12
67	6.79	5.95	6.69	5.91	6.38	5.76	5.91	5.52	5.38	5.18
68	7.02	6.13	6.89	6.08	6.53	5.91	6.01	5.63	5.42	5.25
69	7.26	6.32	7.11	6.26	6.70	6.06	6.11	5.74	5.47	5.31
70	7.52	6.53	7.35	6.45	6.86	6.23	6.20	5.85	5.51	5.37
71	7.80	6.75	7.59	6.66	7.03	6.39	6.29	5.96	5.54	5.42
72	8.09	6.99	7.85	6.89	7.21	6.57	6.38	6.07	5.57	5.47
73	8.41	7.26	8.12	7.13	7.38	6.75	6.46	6.17	5.60	5.51
74	8.75	7.54	8.41	7.39	7.55	6.94	6.53	6.28	5.63	5.55
75	9.12	7.85	8.71	7.66	7.73	7.13	6.61	6.38	5.65	5.59

- -----------------------------------------------------------------------------------------------------------------------------

Rates are based on mortality from 1983 Table a.

Rates for ages not shown will be provided on request and will be computed on a basis consistent with the rates in the above tables.

</TABLE>

29

<PAGE>

<TABLE>
<CAPTION>

OPTION 2

Life Income

Amount of First Monthly Payment for Each $1,000
After Deduction of any Charge for Premium Taxes

https://www.sec.gov/Archives/edgar/data/925981/0000950146-97-000634.txt

03/26/2018

Page 20 of 23

Rates for a Variable Annuity with Assumed Net Return Rate of 5.0%

Payments Guaranteed for a Stated Period Of Months

- ----------------------------------------------------------------------------------------------------------------------------

Adjusted		None		60		120	180		240
Age of	-----------------------------------------------------------------------------------------------------------------
Annuitant	Male	Female	Male	Female	Male	Female	Male	Female	Male Female

- ----------------------------------------------------------------------------------------------------------------------------

<S>	<C>	<C>	<C>	<C>	<C>	<C>	<C>	<C>	<C>	<C>
50	$5.48	$5.12	$5.46	$5.11	$5.41	$5.09	$5.34	$5.06	$5.24	$5.01
51	5.55	5.17	5.53	5.17	5.48	5.14	5.40	5.11	5.29	5.05
52	5.63	5.23	5.61	5.23	5.55	5.20	5.46	5.16	5.34	5.10
53	5.71	5.30	5.69	5.29	5.62	5.26	5.53	5.22	5.40	5.15
54	5.80	5.37	5.77	5.36	5.70	5.33	5.60	5.27	5.45	5.20
55	5.89	5.44	5.86	5.43	5.79	5.39	5.67	5.34	5.51	5.25
56	5.99	5.52	5.96	5.51	5.87	5.47	5.74	5.40	5.56	5.31
57	6.10	5.60	6.06	5.59	5.97	5.54	5.82	5.47	5.62	5.37
58	6.21	5.69	6.17	5.67	6.06	5.62	5.90	5.54	5.68	5.42
59	6.33	5.79	6.29	5.77	6.17	5.71	5.98	5.61	5.74	5.48
60	6.46	5.89	6.41	5.87	6.28	5.80	6.06	5.69	5.79	5.55
61	6.60	6.00	6.55	6.97	6.39	5.90	6.15	5.77	5.85	5.61
62	6.75	6.11	6.69	6.08	6.51	6.00	6.24	5.86	5.91	5.67
63	6.91	6.23	6.84	6.20	6.64	6.10	6.33	5.95	5.96	5.73
64	7.09	6.37	7.00	6.33	6.77	6.22	6.42	6.04	6.02	5.80
65	7.27	6.51	7.18	6.46	6.91	6.34	6.52	6.13	6.07	5.86
66	7.47	6.66	7.36	6.61	7.05	6.46	6.61	6.23	6.12	5.92
67	7.68	6.82	7.55	6.76	7.20	6.60	6.70	6.33	6.16	5.99
68	7.91	7.00	7.76	6.93	7.35	6.74	6.80	6.43	6.21	6.04
69	8.15	7.19	7.98	7.11	7.51	6.89	6.89	6.54	6.25	6.10
70	8.41	7.39	8.21	7.30	7.67	7.04	6.97	6.64	6.28	6.15
71	8.69	7.62	8.45	7.51	7.83	7.21	7.06	6.74	6.32	6.20
72	8.99	7.86	8.70	7.73	8.00	7.38	7.14	6.85	6.35	6.25
73	9.31	8.12	8.97	7.97	8.16	7.55	7.21	6.95	6.37	6.29
74	9.65	8.41	9.26	8.23	8.33	7.73	7.29	7.04	6.39	6.33
75	10.02	8.72	9.55	8.50	8.50	7.92	7.35	7.14	6.41	6.36

- ----------------------------------------------------------------------------------------------------------------------------

Rates are based on mortality from 1983 Table a.

Rates for ages not shown will be provided on request and will be computed on a basis consistent with the rates in the above tables.

</TABLE>

30

<PAGE>

<TABLE>
<CAPTION>

OPTION 3

Life Income For Two Payees

Amount of First Monthly Payment for Each $1,000 After Deduction of any Charge for Premium Taxes

(Annuitant is Male and Second Annuitant is Female)

Rates for a Variable Annuity with Assumed Net Return Rate of 3.5%

- ----------------------------------------------------------------------------------------------------------------------------------Adjusted Ages

- --------------------------------------
Annuitant	Second Annuitant	Option 3a	Option 3b	Option 3c	Option 3d	Option 3e

- -----------------------------------------------------------------------------------------------------------------------------------

<S>	<C>	<C>	<C>	<C>	<C>	<C>
55	50	$3.97	$4.35	$4.56	$3.97	$4.42
55	55	4.16	4.54	4.76	4.15	4.54
55	60	4.34	4.76	5.00	4.34	4.64
60	55	4.27	4.73	5.00	4.26	4.83
60	60	4.51	4.99	5.27	4.50	4.98
60	65	4.76	5.29	5.60	4.75	5.13
65	60	4.66	5.25	5.61	4.65	5.39
65	65	4.99	5.61	5.99	4.98	5.60
65	70	5.34	6.03	6.46	5.31	5.81
70	65	5.19	5.97	6.44	5.17	6.14
70	70	5.67	6.49	6.99	5.62	6.47
70	75	6.16	7.10	7.68	6.07	6.77
75	70	5.95	6.96	7.61	5.87	7.20
75	75	6.64	7.73	8.43	6.48	7.68
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Page 21 of 23

75	80	7.33	8.62	9.45	7.02	8.13
- -----------------------------------------------------------------------------------------------------------------------------------

Rates are based on mortality from 1983 Table a.

The rates assume the Annuitant is Male and the Second Annuitant is Female.

Rates for ages not shown will be provided on request and will be computed on a basis consistent with the rates in the above tables.

</TABLE>

31

<PAGE>

<TABLE>
<CAPTION>

OPTION 3

Life Income for Two Payees

Amount of First Monthly Payment for Each $1,000 After Deduction of any Charge for Premium Taxes

(Annuitant is Female and Second Annuitant is Male)

Rates for a Variable Annuity with Assumed Net Return Rate of 3.5%

- ----------------------------------------------------------------------------------------------------------------------------------Adjusted Ages

- --------------------------------------
Annuitant	Second Annuitant	Option 3a	Option 3b	Option 3c	Option 3d	Option 3e

- -----------------------------------------------------------------------------------------------------------------------------------

<S>	<C>	<C>	<C>	<C>	<C>	<C>
55	50	$4.03	$4.36	$4.55	$4.03	$4.41
55	55	4.16	4.54	4.76	4.15	4.54
55	60	4.27	4.73	5.00	4.26	4.83
60	55	4.34	4.76	5.00	4.34	4.64
60	60	4.51	4.99	5.27	4.50	4.98
60	65	4.66	5.25	5.61	4.65	5.39
65	60	4.76	5.29	5.60	4.75	5.13
65	65	4.99	5.61	5.99	4.98	5.60
65	70	5.19	5.97	6.44	5.17	6.14
70	65	5.34	6.03	6.46	5.31	5.81
70	70	5.67	6.49	6.99	5.62	6.47
70	75	5.95	6.96	7.61	5.87	7.20
75	70	6.16	7.10	7.68	6.07	6.77
75	75	6.64	7.73	8.43	6.48	7.68
75	80	7.04	8.39	9.29	6.79	8.70

- -----------------------------------------------------------------------------------------------------------------------------------

Rates are based on mortality from 1983 Table a.

The rates assume the Annuitant is Female and the Second Annuitant is Male.

Rates for ages not shown will be provided on request and will be computed on a basis consistent with the rates in the above tables.

</TABLE>

32

<PAGE>

<TABLE>
<CAPTION>

OPTION 3

Life Income for Two Payees

Amount of First Monthly Payment for Each $1,000 After Deduction of any Charge for Premium Taxes

(Annuitant is Male and Second Annuitant is Female)

Rates for a Variable Annuity with Assumed Net Return Rate of 5.0%

- ----------------------------------------------------------------------------------------------------------------------------------Adjusted Ages

- --------------------------------------
Annuitant	Second Annuitant	Option 3a	Option 3b	Option 3c	Option 3d	Option 3e

- -----------------------------------------------------------------------------------------------------------------------------------

<S>	<C>	<C>	<C>	<C>	<C>	<C>
55	50	$4.88	$5.26	$5.48	$4.88	$5.34
55	55	5.04	5.44	5.66	5.04	5.43
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						Page 22 of 23
55	60	5.21	5.65	5.89	5.21	5.53
60	55	5.15	5.63	5.91	5.14	5.73
60	60	5.37	5.87	6.16	5.37	5.86
60	65	5.61	6.16	6.49	5.60	6.01
65	60	5.52	6.14	6.51	5.51	6.28
65	65	5.83	6.49	6.87	5.82	6.47
65	70	6.17	6.90	7.33	6.13	6.67
70	65	6.04	6.84	7.34	6.00	7.03
70	70	6.49	7.35	7.87	6.44	7.33
70	75	6.97	7.96	8.56	6.87	7.62
75	70	6.77	7.84	8.51	6.68	8.08
75	75	7.45	8.60	9.33	7.27	8.55
75	80	8.14	9.49	10.35	7.80	8.98

- -----------------------------------------------------------------------------------------------------------------------------------

Rates are based on mortality from 1983 Table a.

The rates assume the Annuitant is Male and the Second Annuitant is Female.

Rates for ages not shown will be provided on request and will be computed on a basis consistent with the rates in the above tables.

</TABLE>

33

<PAGE>

<TABLE>
<CAPTION>

OPTION 3

Life Income for Two Payees

Amount of First Monthly Payment for Each $1,000 After Deduction of any Charge for Premium Taxes

(Annuitant is Female and Second Annuitant is Male)

Rates for a Variable Annuity with Assumed Net Return Rate of 5.0%

- ----------------------------------------------------------------------------------------------------------------------------------

Adjusted Ages
- --------------------------------------
Annuitant	Second Annuitant	Option 3a	Option 3b	Option 3c	Option 3d	Option 3e

- -----------------------------------------------------------------------------------------------------------------------------------

<S>	<C>	<C>	<C>	<C>	<C>	<C>
55	50	$4.93	$5.27	$5.46	$4.93	$5.19
55	55	5.04	5.44	5.66	5.04	5.43
55	60	5.15	5.63	5.91	5.14	5.73
60	55	5.21	5.65	5.89	5.21	5.53
60	60	5.37	5.87	6.16	5.37	5.86
60	65	5.52	6.14	6.51	5.51	6.28
65	60	5.61	6.16	6.49	5.60	6.01
65	65	5.83	6.49	6.87	5.82	6.47
65	70	6.04	6.84	7.34	6.00	7.03
70	65	6.17	6.90	7.33	6.13	6.67
70	70	6.49	7.35	7.87	6.44	7.33
70	75	6.77	7.84	8.51	6.68	8.08
75	70	6.97	7.96	8.56	6.87	7.62
75	75	7.45	8.60	9.33	7.27	8.55
75	80	7.86	9.28	10.20	7.57	9.59

- -----------------------------------------------------------------------------------------------------------------------------------

Rates are based on mortality from 1983 Table a.

The rates assume the Annuitant is Female and the Second Annuitant is Male.

Rates for ages not shown will be provided on request and will be computed on a basis consistent with the rates in the above tables.

</TABLE>

34

<PAGE>

[Aetna logo]

Aetna Insurance Company of America
Home Office: 151 Farmington Avenue
P.O. Box 30670
Hartford, Connecticut 06150-0670
(800) 531-4547

https://www.sec.gov/Archives/edgar/data/925981/0000950146-97-000634.txt

03/26/2018

Page 23 of 23

Individual Variable, Fixed, or Combination Annuity Contract
Nonparticipating

ALL PAYMENTS AND VALUES PROVIDED BY THE CONTRACT, WHEN BASED ON INVESTMENT EXPERIENCE OF A SEPARATE ACCOUNT, ARE VARIABLE AND ARE NOT GUARANTEED AS TO FIXED DOLLAR AMOUNT. THIS CONTRACT CONTAINS A MARKET VALUE ADJUSTMENT FORMULA. APPLICATION OF A MARKET VALUE ADJUSTMENT MAY RESULT IN EITHER AN INCREASE OR DECREASE IN THE CURRENT VALUE. THE MARKET VALUE ADJUSTMENT FORMULA DOES NOT APPLY TO A GUARANTEED TERM AT THE TIME OF ITS MATURITY.

35

https://www.sec.gov/Archives/edgar/data/925981/0000950146-97-000634.txt

03/26/2018

EX-16

Page 1 of 22

Exhibit 16(4)(j)
	Aetna Insurance Company of America
	Home Office: 151 Farmington Avenue
	P.O. Box 30670
	Hartford, Connecticut 06150-0670
	(800) 531-4547
	You may call the toll-free number shown above for
	answers to questions or to resolve a complaint.
	Aetna Insurance Company of America, a stock
	company, herein called Aetna, agrees to pay the
	benefits stated in this Contract.
<TABLE>
<CAPTION>
Specifications
- ----------------------------------------------------------------------------------------------
<S>		<C>
Plan
SPECIMEN
- ----------------------------------------------------------------------------------------------
Type of Plan
SPECIMEN
- ----------------------------------------------------------------------------------------------
Contract Holder
SPECIMEN
- ----------------------------------------------------------------------------------------------
Contract Number
SPECIMEN
- ----------------------------------------------------------------------------------------------
Effective Date
SPECIMEN
- ----------------------------------------------------------------------------------------------
This Contract is delivered in SPECIMEN		and is subject to the laws of that jurisdiction
</TABLE>
The variable features of the Group Contract are described in parts III and IV.
Right to Cancel
- --------------------------------------------------------------------------------
The Group Contract Holder may cancel this Contract within 10 days by returning
it to the agent from whom it was purchased, or to Aetna at the address shown
above. Within seven days of receiving the Contract at its home office, Aetna
will return the amount of Certificate Holder Purchase Payment(s) received, plus
any increase, or minus any decrease, on the amount, if any, allocated to the
Separate Account fund(s).
This page and the pages that follow constitute the entire Contract.
Signed at the home office on the Effective Date.
/s/ Dan Kearney		/s/ Maria F. McKeon
President		Secretary
Group Variable, Fixed, or Combination Annuity Contract
	Nonparticipating
G-MP2(5/97)
<PAGE>
ALL PAYMENTS AND VALUES PROVIDED BY THE CONTRACT, WHEN BASED ON INVESTMENT
EXPERIENCE OF A SEPARATE ACCOUNT, ARE VARIABLE AND ARE NOT GUARANTEED AS TO
FIXED DOLLAR AMOUNT. THIS CONTRACT CONTAINS A MARKET VALUE ADJUSTMENT FORMULA.
APPLICATION OF A MARKET VALUE ADJUSTMENT MAY RESULT IN EITHER AN INCREASE OR
DECREASE IN THE CURRENT VALUE. THE MARKET VALUE ADJUSTMENT FORMULA DOES NOT
APPLY TO A GUARANTEED TERM AT THE TIME OF ITS MATURITY.
G-MP2(5/97)
	2
<PAGE>
Specifications
- --------------------------- ---------------------------------------------------
Guaranteed	There is a guaranteed interest rate for Purchase
Interest Rate	Payment(s) held in the AG Account. (See Contract
	Schedule I).
- --------------------------- ---------------------------------------------------
Deductions from	There will be deductions for mortality and expense
the Separate	risks and administrative fees. (See Contract
Account	Schedule I and II).
- --------------------------- ---------------------------------------------------
Deduction from Purchase	Purchase Payment(s) are subject to a deduction for
Payment(s)	premium taxes, if any. (See 3.01.)
- --------------------------- ---------------------------------------------------
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Surrender Fee There will be a charge deducted upon surrender. (See Contract Schedule I).

This Contract is a legal contract and constitutes the entire legal relationship between Aetna and the Contract Holder.

READ THIS CONTRACT CAREFULLY. This Contract sets forth, in detail, all of the rights and obligations of both you and Aetna. THEREFORE, IT IS IMPORTANT THAT YOU READ THIS CONTRACT CAREFULLY.

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<PAGE>

Contract Schedule I
Accumulation Period

<TABLE> <CAPTION> Separate Account

- ------------------------------------------------------------------------------------------------------------------------------------<S> <C> Separate Account: Variable Annuity Account I

Charges to Separate Account:	A daily charge is deducted from any portion of the Current Value allocated to the
	Separate Account. The deduction is the daily equivalent of the annual effective
	percentage shown in the following chart: __		_
		|	|
	Administrative Charge	| 0.15% |
	Mortality Risk Charge	| 0.35% |
	Expense Risk Charge	| 0.90%
		-----
	Total Separate Account	|	|
	Charges	| 1.40% |
		|_	_|

AICA Guaranteed Account (AG Account)

- ------------------------------------------------------------------------------------------------------------------------------------

Minimum Guaranteed Interest Rate:

[3.0%] (effective annual rate of return)

Separate Account and AG Account

- ------------------------------------------------------------------------------------------------------------------------------------

Transfers:		An unlimited number of Transfers are allowed during the Accumulation Period. Aetna
		allows [12] free Transfers in any calendar year. Thereafter, Aetna reserves the right
to charge [$10] for each subsequent Transfer.
Maintenance Fee:		The annual Maintenance Fee is [$30].	If the Account's Current Value is $50,000 or more
		on the date the Maintenance Fee is to be deducted, the Maintenance Fee is [$0].
Annual Waiver of Surrender Fee:		As provided in 3.14 (d), the amount that may be withdrawn without a surrender fee cannot
		exceed [10%] of the Current Value calculated on the date Aetna receives a surrender
		request in good order at its Home Office.
Surrender Fee:		For each surrender, the Surrender Fee will be determined as follows:
			Surrender Fee
		Length of Time from Deposit of	(as percentage of
	__ Net Purchase Payment (Years)		Net Purchase _ Payment)
	|	Less than 2 years	7% |
	|	2 or more but less than 4 years	6% |
	|	4 or more but less than 5 years	5% |
	|	5 or more but less than 6 years	4% |
	|	6 or more but less than 7 years	3% |
	|	7 years or more	0% |
	|_		_|
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<PAGE>

Contract Schedule I (Continued)
Accumulation Period

Separate Account and AG Account (Cont'd)

- ------------------------------------------------------------------------------------------------------------------------------------

Systematic Withdrawal Option (SWO):	The specified payment or specified percentage may not be greater than [10%] of the Account's Current Value at time of election.
</TABLE>

See 1. GENERAL DEFINITIONS for explanations.

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5

<PAGE>

Contract Schedule II
Accumulation Period

<TABLE> <CAPTION> Separate Account

- ------------------------------------------------------------------------------------------------------------------------------------<S> <C> Charges to Separate Account: A daily charge at an annual effective rate of [1.25%] for Annuity mortality and expense risks. The administrative charge is established upon election of an Annuity option.

This charge will not exceed [0.25%].

Variable Annuity Assumed Annual Net	If a Variable Annuity is chosen, an assumed annual net return rate of [5.0%] may be
Return Rate:	elected. If [5.0%] is not elected, Aetna will use an assumed annual net return rate of
	[3.5%].
	The assumed annual net return rate factor for [3.5%] per year is [0.9999058].
	The assumed annual net return rate factor for [5.0%] per year is [0.9998663].
	If the portion of a Variable Annuity payment for any Fund is not to decrease, the
	Annuity return factor under the Separate Account for that Fund must be:
	(a)	[4.75%] on an annual basis plus an annual return of up to [0.25%] to offset the
		administrative charge set at the time Annuity payments commence if an assumed
		annual net return rate of [3.5%] is chosen; or
	(b)	[6.25%] on an annual basis plus an annual return of up to [0.25%] to offset the
		administrative charge set at the time Annuity payments commence, if an assumed
		annual net return rate of [5%] is chosen.

Fixed Annuity

- ------------------------------------------------------------------------------------------------------------------------------------

Minimum Guaranteed Interest Rate: </TABLE> [3.0%] (effective annual rate of return)

See 1. GENERAL DEFINITIONS for explanations.

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<PAGE>

Contract Schedule I
Accumulation Period

<TABLE> <CAPTION> Separate Account

- ------------------------------------------------------------------------------------------------------------------------------------<S> <C> Separate Account: Variable Annuity Account I

Charges to Separate Account:	A daily charge is deducted from any portion of the Current Value allocated to the
	Separate Account. The deduction is the daily equivalent of the annual effective
	percentage shown in the following chart: _		_
	Administrative Charge	| 0.15% |
	Mortality Risk Charge	| 0.35% |
	Expense Risk Charge	| 0.90% |
			-----
	Total Separate Account	|	|
	Charges	| 1.40% |
		|_	_|

AICA Guaranteed Account (AG Account)

- ------------------------------------------------------------------------------------------------------------------------------------

Minimum Guaranteed Interest Rate:

[3.0%] (effective annual rate of return)

Separate Account and AG Account

- ------------------------------------------------------------------------------------------------------------------------------------

Transfers:	An unlimited number of Transfers are allowed during the Accumulation Period. Aetna
	allows [12] free Transfers in any calendar year. Thereafter, Aetna reserves the right
to charge [$10] for each subsequent Transfer.
Maintenance Fee:	The annual Maintenance Fee is [$30]. If the Account's Current Value is $50,000 or more
	on the date the Maintenance Fee is to be deducted, the Maintenance Fee is [$0].
Annual Waiver of Surrender Fee:	As provided in 3.14 (d), the amount that may be withdrawn without a surrender fee cannot
	exceed [10%] of the Current Value calculated on the date Aetna receives a surrender
	request in good order at its Home Office.
Surrender Fee:	For each surrender, the Surrender Fee will be determined as follows:
	Surrender Fee
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	Length of Time from Deposit of	(as percentage of
__ Net Purchase Payment (Years)		Net Purchase Payment) _
|	Less than 1 year	3% |
|	More than 1 but less than 2 years	2% |
|	More than 2 but less than 3 years	1% |
|	More than 3 years	0% |
|_		_|

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<PAGE>

Contract Schedule I (Continued)
Accumulation Period

Separate Account and AG Account (Cont'd)

- ------------------------------------------------------------------------------------------------------------------------------------

Systematic Withdrawal Option (SWO):	The specified payment or specified percentage may not be greater than [10%] of the Account's Current Value at time of election.
</TABLE>

See 1. GENERAL DEFINITIONS for explanations.

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<PAGE>

Contract Schedule II
Annuity Period

<TABLE>
<CAPTION>

Separate Account

- ------------------------------------------------------------------------------------------------------------------------------------<S> <C> Charges to Separate Account: A daily charge at an annual effective rate of [1.25%] for Annuity mortality and expense risks. The administrative charge is established upon election of an Annuity option. This charge will not exceed [0.25%].

Variable Annuity Assumed Annual Net	If a Variable Annuity is chosen, an assumed annual net return rate of [5.0%] may be
Return Rate:	elected. If [5.0%] is not elected, Aetna will use an assumed annual net return rate of
	[3.5%].
	The assumed annual net return rate factor for [3.5%] per year is [0.9999058].
	The assumed annual net return rate factor for [5.0%] per year is [0.9998663].
	If the portion of a Variable Annuity payment for any Fund is not to decrease, the
	Annuity return factor under the Separate Account for that Fund must be:
	(a)	[4.75%] on an annual basis plus an annual return of up to [0.25%] to offset the
		administrative charge set at the time Annuity payments commence if an assumed
		annual net return rate of [3.5%] is chosen; or
	(b)	[6.25%] on an annual basis plus an annual return of up to [0.25%] to offset the
		administrative charge set at the time Annuity payments commence, if an assumed
		annual net return rate of [5%] is chosen.

Fixed Annuity

- ------------------------------------------------------------------------------------------------------------------------------------

Minimum Guaranteed Interest Rate: </TABLE> [3.0%] (effective annual rate of return)

See 1. GENERAL DEFINITIONS for explanations.

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<PAGE>

Contract Schedule I
Accumulation Period

<TABLE> <CAPTION> Separate Account

- ------------------------------------------------------------------------------------------------------------------------------------<S> <C> Separate Account: Variable Annuity Account I

Charges to Separate Account:	A daily charge is deducted from any portion of the Current Value allocated to the
	Separate Account. The deduction is the daily equivalent of the annual effective
	percentage shown in the following chart:
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Mortality Risk Charge	| 0.35% |
Expense Risk Charge	| 0.90% |
		-----
Total Separate Account	|	|
Charges	| 1.25% |
	|_	_|

AICA Guaranteed Account (AG Account)

- ------------------------------------------------------------------------------------------------------------------------------------

Minimum Guaranteed Interest Rate:

[3.0%] (effective annual rate of return)

Separate Account and AG Account

- ------------------------------------------------------------------------------------------------------------------------------------

Transfers:		An unlimited number of Transfers are allowed during the Accumulation Period. Aetna
		allows [12] free Transfers in any calendar year. Thereafter, Aetna reserves the right to
charge [$10] for each subsequent Transfer.
Maintenance Fee:		The annual Maintenance Fee is [$30]. If the Account's Current Value is $5,000 or more
		on the date the Maintenance Fee is to be deducted, the Maintenance Fee is [$0].
Annual Waiver of Surrender Fee:		As provided in 3.14 (d), the amount that may be withdrawn without a surrender fee cannot
		exceed [10%] of the Current Value calculated on the date Aetna receives a surrender
		request in good order at its Home Office.
Surrender Fee:		The Surrender Fee does not apply to this Contract.
Systematic Withdrawal Option (SWO):		The specified payment or specified percentage may not be greater than [10%] of the
Account's Current Value at time of election.
</TABLE>
See 1. GENERAL DEFINITIONS for explanations.
G-MP2(5/97)-3	4
<PAGE>

Contract Schedule II
Annuity Period

<TABLE> <CAPTION> Separate Account

- ------------------------------------------------------------------------------------------------------------------------------------<S> <C> Charges to Separate Account: A daily charge at an annual effective rate of [l.25%] for Annuity mortality and expense risks. The administrative charge is established upon election of an Annuity option.

This charge will not exceed [0.25%].

Variable Annuity Assumed Annual Net	If a Variable Annuity is chosen, an assumed annual net return rate of [5.0%] may be
Return Rate:	elected. If [5.0%] is not elected, Aetna will use an assumed annual net return rate of
	[3.5%].
	The assumed annual net return rate factor for [3.5%] per year is [0.9999058].
	The assumed annual net return rate factor for [5.0%] per year is [0.9998663].
	If the portion of a Variable Annuity payment for any Fund is not to decrease, the
	Annuity return factor under the Separate Account for that Fund must be:
	(a)	[4.75%] on an annual basis plus an annual return of up to [0.25%] to offset the
		administrative charge set at the time Annuity payments commence if an assumed
		annual net return rate of [3.5%] is chosen; or
	(b)	[6.25%] on an annual basis plus an annual return of up to [0.25%] to offset the
		administrative charge set at the time Annuity payments commence, if an assumed
		annual net return rate of [5%] is chosen.

Fixed Annuity

- ------------------------------------------------------------------------------------------------------------------------------------

Minimum Guaranteed Interest Rate: </TABLE>	[3.0%] (effective annual rate of return)
See 1. GENERAL DEFINITIONS for explanations.

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<PAGE>

TABLE OF CONTENTS

Page

I.	GENERAL DEFINITIONS
-	-------------------------------------------------------------------------------

1.01	Account	8
1.02	Accumulation Period	8
1.03	Adjusted Current Value	8
1.04	AICA Guaranteed Account (AG Account)	8
1.05	Annuitant	8
1.06	Annuity	8
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1.07	Beneficiary	8
1.08	Certificate Holder	8
1.09	Code	8
1.10	Contract	8
1.11	Contract Holder	8
1.12	Current Value	9
1.13	Deposit Period	9
1.14	Dollar Cost Averaging	9
1.15	Fixed Annuity	9
1.16	Fund(s)	9
1.17	General Account	9
1.18	Guaranteed Rates -- AG Account	9
1.19	Guaranteed Term	10
1.20	Guaranteed Term(s) Groups	10
1.21	Maintenance Fee	10
1.22	Market Value Adjustment (MVA)	10
1.23	Matured Term Value	10
1.24	Matured Term Value Transfer	10
1.25	Maturity Date	10
1.26	Net Purchase Payment(s)	10
1.27	Nonunitized Separate Account	10
1.28	Purchase Payment(s)	11
1.29	Reinvestment	11
1.30	Separate Account	11
1.31	Surrender Value	11
1.32	Transfers	11
1.33	Valuation Period (Period)	11
1.34	Variable Annuity	11

II.	GENERAL PROVISIONS
-	-------------------------------------------------------------------------------

2.01	Change of Contract	12
2.02	Change of Fund(s)	13
2.03	Nonparticipating Contract	13
2.04	Payments and Elections	13
2.05	State Laws	13
2.06	Control of Contract	13
2.07	Designation of Beneficiary	14
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<PAGE>
		Page
2.08	Misstatements and Adjustments	14
2.09	Incontestability	14
2.10	Grace Period	14
2.11	Individual Certificates	14

III.	PURCHASE PAYMENT, CURRENT VALUE, AND SURRENDER PROVISIONS
-	------------------------------------------------------------------------------

3.01	Net Purchase Payment	14
3.02	Certificate Holder's Account	15
3.03	Fund(s) Record Units -- Separate Account	15
3.04	Net Return Factor(s) -- Separate Account	15
3.05	Fund Record Unit Value -- Separate Account	16
3.06	Market Value Adjustment	16
3.07	Transfer of Current Value from the Funds or AG Account
	During the Accumulation Period	17
3.08	Notice to the Contract Holder	18
3.09	Loans	18
3.10	Systematic Distribution Options	18
3.11	Death Benefit Amount	19
3.12	Death Benefit Options Available to Beneficiary	20
3.13	Liquidation of Surrender Value	22
3.14	Surrender Fee	22
3.15	Payment of Surrender Value	23
3.16	Payment of Adjusted Current Value	23

IV.	ANNUITY PROVISIONS
-	--------------------------------------------------------------------------------

4.01	Choices	24
4.02	Terms of Annuity Options	24
4.03	Death of Annuitant/Beneficiary	26
4.04	Fund(s) Annuity Units -- Separate Account	27
4.05	Fund(s) Annuity Unit Value -- Separate Account	27
4.06	Annuity Net Return Factor(s) -- Separate Account	27
4.07	Annuity Options	28
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<PAGE>

<TABLE>

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<CAPTION>

I.	GENERAL DEFINITIONS
-	------------------------------------------------------------------------------------------------------------------------------------

<S>

1.01	Account:
1.02	Accumulation Period:
1.03	Adjusted Current Value:
1.04	AICA Guaranteed Account (AG Account):
1.05	Annuitant:
1.06	Annuity:
1.07	Beneficiary:
1.08	Certificate Holder:
1.09	Code:
1.10	Contract:
1.11	Contract Holder:

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1.12	Current Value:
1.13	Deposit Period:
1.14	Dollar Cost Averaging:
1.15	Fixed Annuity:
1.16	Fund(s):
1.17	General Account:
1.18	Guaranteed Rates -- AG Account:

<C>

A record established for each Certificate Holder to maintain the value of all Net Purchase Payments held on his/her behalf during the Accumulation Period.

The period during which the Net Purchase Payment(s) are applied to an Account to provide future Annuity payment(s).

The Current Value of an Account plus or minus any aggregate AG Account MVA, if applicable. (See 1.22)

An accumulation option where Aetna guarantees stipulated rate(s) of interest for specified periods of time. All assets of Aetna, including amounts in the Nonunitized Separate Account, are available to meet the guarantees under the AG Account.

The person whose life is measured for purposes of the guaranteed death benefit and the duration of Annuity payments under this Contract.

Payment of an income:

(a) For the life of one or two persons; (b) For a stated period; or (c) For some combination of (a) and (b).

The individual or estate entitled to receive any death benefit under the Contract. If the Contract is held by joint Certificate Holders, the survivor will be deemed the designated Beneficiary and any other Beneficiary on record will be treated as the contingent Beneficiary.

A person who purchases an interest in this Contract as evidenced by a certificate. Aetna reserves the right to limit ownership to natural persons. If more than one Certificate Holder owns an Account, each Certificate Holder will be a joint Certificate Holder. Any joint Certificate Holder must be the spouse of the other joint Certificate Holder. Joint Certificate Holders have joint ownership rights and both must authorize exercising any ownership rights unless Aetna allows otherwise.

The Internal Revenue Code of 1986, as it may be amended from time to time.

This agreement between Aetna and the Contract Holder.

The entity to which the Contract is issued.

8

As of the most recent Valuation Period, the Net Purchase Payment and any additional amount deposited pursuant to 3.11 plus any interest added to the portion allocated to the AG Account; and plus or minus the investment experience of the portion allocated to the Funds since deposit; less all Maintenance Fees deducted, any amounts surrendered and any amounts applied to an Annuity.

A day, a calendar week, a calendar month, a calendar quarter, or any other period of time specified by Aetna during which Net Purchase Payment(s), Transfers and/or Reinvestments may be allocated to one or more AG Account Guaranteed Terms. Aetna reserves the right to shorten or to extend the Deposit Period.

During a Deposit Period, Aetna may offer any number of Guaranteed Terms and more than one Guaranteed Term of the same duration may be offered.

A program that permits the Contract Holder to systematically transfer amounts from any of the Funds or an available AG Account Guaranteed Term to any of the Funds. Aetna reserves the right to establish terms and conditions governing Dollar Cost Averaging. Dollar Cost Averaging is not available when a SDO is in effect.

An Annuity with payments that do not vary in amount.

The open-end management investment companies (mutual funds) in which the Separate Account invests.

The Account holding the assets of Aetna, other than those assets held in Aetna's separate accounts.

Aetna will declare the interest rate(s) applicable to a specific Guaranteed Term at the start of the Deposit Period for that Guaranteed Term. The rate(s) are guaranteed by Aetna for the period beginning with the first day of the Deposit Period and ending on the Maturity Date. Guaranteed Rates are credited beginning with the date of allocation. The Guaranteed Rates are annual effective yields. That is, interest is credited daily at a rate that will produce the Guaranteed Rate over the period of a year. No Guaranteed Rate will ever be less than the Minimum Guaranteed Rate shown on Contract Schedule I.

For Guaranteed Terms of one year or less, one Guaranteed Rate is credited for the full Guaranteed Term. For longer Guaranteed Terms, an initial Guaranteed Rate is credited from the date of deposit to the end of a specified period within the Guaranteed Term. There may be different Guaranteed Rate(s) declared for subsequent specified time intervals throughout the Guaranteed Term.

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1.19	Guaranteed Term:
1.20	Guaranteed Term(s) Groups:
1.21	Maintenance Fee:
1.22	Market Value Adjustment (MVA):
1.23	Matured Term Value:
1.24	Matured Term Value Transfer:
1.25	Maturity Date:
1.26	Net Purchase Payment(s):
1.27	Nonunitized Separate Account:

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1.28	Purchase Payment(s):
1.29	Reinvestment:

1.30	Separate Account:
1.31	Surrender Value:
1.32	Transfers:
1.33	Valuation Period (Period):
1.34	Variable Annuity:

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Page 8 of 22

The period of time specified by Aetna for which a specific Guaranteed Rate(s) is offered on amounts invested during a specific Deposit Period. Guaranteed Terms are made available subject to Aetna's terms and conditions, including, but not limited to, Aetna's right to restrict allocations to new Net Purchase Payments (such as by prohibiting Transfers into a particular Guaranteed Term from any other Guaranteed Term or from any of the Funds, or by prohibiting Reinvestment of a Matured Term Value to a particular Guaranteed Term. More than one Guaranteed Term of the same duration may be offered during a Deposit Period.

All AG Account Guaranteed Term(s) of the same duration (from the close of the Deposit Period until the designated Maturity Date).

The Maintenance Fee (see Contract Schedule I) will be deducted during the Accumulation Period from the Current Value on each anniversary of the date the Account is established and upon surrender of the entire Account.

An adjustment that may apply to an amount withdrawn or transferred from an AG Account Guaranteed Term prior to the end of that Guaranteed Term. The adjustment reflects the change in the value of the investment due to changes in interest rates since the date of deposit and is computed using the formula given in 3.06. The adjustment is expressed as a percentage of each dollar being withdrawn.

The amount payable on an AG Account Guaranteed Term's Maturity Date.

During the calendar month following an AG Account Maturity Date, the Certificate Holder may notify Aetna's home office in writing to Transfer or surrender all or part of the Matured Term Value, plus interest at the new Guaranteed Rate accrued thereon, from the AG Account without an MVA. This provision only applies to the first such written request received from the Certificate Holder during this period for any Matured Term Value.

The last day of an AG Account Guaranteed Term.

The Purchase Payment less premium taxes, as applicable.

A separate account set up by Aetna under Title 38, Section 38a-433, of the Connecticut General Statutes, that holds assets for AG Account Terms. There are no discrete units for this Account. The Certificate Holder does not participate in the investment gain or loss from the assets held in the Nonunitized Separate Account. Such gain or loss is borne entirely by Aetna. These assets may be chargeable with liabilities arising out of any other business of Aetna.

10

Payment(s) accepted by Aetna at its home office. Aetna reserves the right to refuse to accept any Purchase Payment at any time for any reason. No advance notice will be given to the Contract Holder or Certificate Holder.

Aetna will mail a notice to the Certificate Holder at least 18 calendar days before a Guaranteed Term's Maturity Date. This notice will contain the Terms available during the current Deposit Periods with their Guaranteed Rate(s), and projected Matured Term Value. If no specific direction is given by the Certificate Holder prior to the Maturity Date, each Matured Term Value will be reinvested in the current Deposit Period for a Guaranteed Term of the same duration. If a Guaranteed Term of the same duration is unavailable, each Matured Term Value will automatically be reinvested in the current Deposit Period for the next shortest Guaranteed Term available. If no shorter Guaranteed Term is available, the next longer Guaranteed Term will be used. Aetna will mail a confirmation statement to the Certificate Holder the next business day after the Maturity Date. This notice will state the Guaranteed Term and Guaranteed Rate(s) which will apply to the reinvested Matured Term Value.

A separate account that buys and holds shares of the Fund(s). Income, gains or losses, realized or unrealized, are credited or charged to the Separate Account without regard to other income, gains or losses of Aetna. Aetna owns the assets held in the Separate Account and is not a trustee as to such amounts. This Separate Account generally is not guaranteed and is held at market value. The assets of the Separate Account, to the extent of reserves and other contract liabilities of the Account, shall not be charged with other Aetna liabilities.

The amount payable by Aetna upon the surrender of any portion of an Account.

The movement of invested amounts among the available Fund(s) and/or any AG Account Guaranteed Term made available subject to terms and conditions established by Aetna during the Accumulation Period or, during the Annuity Period, among the available Funds under a Variable Annuity.

The period of time for which a Fund determines its net asset value, usually from 4:15 p.m. Eastern time each day the New York Stock Exchange is open until 4:15 p.m. the next such day, or such other day that one or more of the Funds determines its net asset value.

An Annuity with payments that vary with the net investment results of one or more Funds held under the Separate Account.

11

II.	GENERAL PROVISIONS
-	------------------------------------------------------------------------------------------------------------------------------------

2.01 Change of Contract:	Only an authorized officer of Aetna may change the terms of this Contract. Aetna will notify the
	Contract Holder in writing at least 30 days before the effective date of any change. Any change
	will not affect the amount or terms of any Annuity which begins before the change.
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2.02 Change of Fund(s):

2.03	Nonparticipating Contract:
2.04	Payments and Elections:
2.05	State Laws:
2.06	Control of Contract:

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2.06      Control of Contract (Cont'd):

Page 9 of 22

Aetna reserves the right to refuse to accept any Purchase Payment at any time for any reason. This applies to an initial Purchase Payment to establish a new Account or to subsequent Purchase Payments in existing Accounts under the Contract. No advance notice will be given to the Contract Holder or Certificate Holder.

Aetna may make any change that affects the AG Account Market Value Adjustment (3.06) with at least 30 days' advance written notice to the Contract Holder and the Certificate Holder. Any such change shall become effective for any new Term and will apply to all present and future Accounts.

Any change that effects any of the following under this Contract will not apply to Accounts in existence before the effective date of the change:

(a) Net Purchase Payment (1.26)

(b) AG Account Guaranteed Rate (1.18)

(c) Net Return Factor(s) -- Separate Account (3.04) (d) Current Value (1.12) (e) Surrender Value (1.31) (f) Fund(s) Annuity Unit Value -- Separate Account (4.05) (g) Annuity options (4.07) (h) Fixed Annuity Interest Rates (4.01) (i) Transfers (1.32).

Any change that affects the Annuity Options and the tables for the options may be made: (a) No earlier than 12 months after the effective date of this Contract; and (b) No earlier than 12 months after the effective date of any prior change.

Any Account established on or after the effective date of any change will be subject to the change. If the Contract Holder does not agree to any change under this provision, no new Accounts may be established under this Contract. This Contract may also be changed as deemed necessary by Aetna to comply with federal or state law.

12

The assets of the Separate Account are segregated by Fund. If the shares of any Fund are no longer available for investment by the Separate Account or if in our judgment, further investment in such shares should become inappropriate in view of the purpose of the Contract, Aetna may cease to make such Fund shares available for investment under the Contract prospectively, or Aetna may substitute shares of another Fund for shares already acquired. Aetna may also, from time to time, add additional Funds. Any elimination, substitution or addition of Funds will be done in accordance with applicable state and federal securities laws. Aetna reserves the right to substitute shares of another Fund for shares already acquired without a proxy vote.

The Contract Holder, Certificate Holders or Beneficiaries will not have a right to share in the earnings of Aetna.

While the Certificate Holder is living, Aetna will pay the Certificate Holder any Annuity payments as and when due. After the Certificate Holder's death, or at the death of the first Certificate Holder if the Account is owned jointly, any Annuity payments required to be made will be paid in accordance with 4.03. Aetna will determine other payments and/or elections as of the end of the Valuation Period in which the request is received at its home office. Such payments will be made within seven calendar days of receipt at its home office of a written claim for payment which is in good order, except as provided in 3.15.

The Contract and the Certificates comply with the laws of the state in which they are delivered. Any surrender, death, or Annuity payments are equal to or greater than the minimum required by such laws. Annuity tables for legal reserve valuation shall be as required by state law. Such tables may be different from Annuity tables used to determine Annuity payments.

This is a Contract between the Contract Holder and Aetna. The Contract Holder has title to the Contract. Contract Holder rights are limited to accepting or rejecting Contract modifications. The Certificate Holder has all other rights to amounts held in his or her Account.

Each Certificate Holder shall own all amounts held in his or her Account. Each Certificate Holder may make any choices allowed by this Contract for his or her Account. Choices made under this Contract must be in writing. If the Account is owned jointly, both Certificate Holders must authorize any Certificate Holder change in writing. Until receipt of such choices at Aetna's home office, Aetna may rely on any previous choices made.

13

The Contract is not subject to the claims of any creditors of the Contract Holder or the Certificate Holder, except to the extent permitted by law.

The Certificate Holder may assign or transfer his or her rights under the Contract. Aetna reserves the right not to accept assignment or transfer to a nonnatural person. Any assignment or transfer made must be submitted to Aetna's home office in writing and will not be effective until accepted

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		Page 10 of 22
		by Aetna.
2.07	Designation of	Each Certificate Holder shall name his or her Beneficiary. If the Account is owned jointly, both
	Beneficiary:	joint Certificate Holders must agree in writing to the Beneficiary designated. The Beneficiary may
		be changed at any time. Changes to a Beneficiary must be submitted to Aetna's home office in
		writing and will not be effective until accepted by Aetna. If the Account is owned jointly, at the
		death of one joint Certificate Holder, the survivor will be deemed the Beneficiary; any other
		Beneficiary on record will be deemed a contingent Beneficiary.
2.08	Misstatements and	If Aetna finds the age of any Annuitant to be misstated, the correct facts will be used to adjust
	Adjustments:	payments.
2.09	Incontestability:	Aetna cannot cancel this Contract because of any error of fact.
2.10	Grace Period:	This Contract will remain in effect even if Purchase Payments are not continued except as provided
		in the Payment of Adjusted Current Value provision (see 3.16).
2.11	Individual Certificates:	Aetna shall issue a certificate to each Certificate Holder. The certificate will summarize certain
		provisions of the Contract. Certificates are for information only and are not a part of the
		Contract.

III.	PURCHASE PAYMENT, CURRENT VALUE, AND SURRENDER PROVISIONS
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3.01 Net Purchase Payment:

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3.01	Net Purchase Payment (Cont'd):
3.02	Certificate Holder's Account:
3.03	Fund(s) Record Units -- Separate Account:
3.04	Net Return Factor(s) -- Separate Account:

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This amount is the actual Purchase Payment less any premium tax. Aetna reserves the right to pay premium taxes when due and deduct the amount from the Current Value when we pay the tax or at a later date.

Each Net Purchase Payment will be allocated, as directed by the Certificate Holder among:

(a) AG Account Guaranteed Terms made available subject to terms and conditions established by Aetna; and

(b) The Fund(s) in which the Separate Account invests.

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For each Net Purchase Payment, the Certificate Holder shall tell Aetna the percentage of each Purchase Payment to allocate to any available AG Account Guaranteed Terms and/or each Fund. Unless different allocation instructions are received for any subsequent Net Purchase Payment, the allocation will be the same as for the initial Net Purchase Payment. If the same Guaranteed Term is no longer available, the Net Purchase Payment will be allocated to the next shortest Guaranteed Term available in the current Deposit Period. If no shorter Guaranteed Term is available, the next longer Guaranteed Term will be used.

Aetna will maintain an Account for each Certificate Holder.

Aetna will declare from time to time the acceptability and the minimum amount for additional Purchase Payments.

The portion of the Net Purchase Payment(s) applied to each Fund under the Separate Account will determine the number of Fund record units for that Fund. This number is equal to the portion of the Net Purchase Payment(s) applied to each Fund divided by the Fund record unit value (see 3.05) for the Valuation Period in which the Purchase Payment is received in good order at Aetna's home office.

The net return factor(s) are used to compute all Separate Account record units for any Fund.

The net return factors for each Fund is equal to 1.0000000 plus the net return rate.

The net return rate is equal to:

(a) The value of the shares of the Fund held by the Separate Account at the end of the Valuation Period; minus

(b) The value of the shares of the Fund held by the Separate Account at the start of the Valuation Period; plus or minus

(c) Taxes (or reserves for taxes) on the Separate Account (if any); divided by

(d) The total value of the Fund(s) record units and Fund(s) annuity units of the Separate Account at the start of the Valuation Period; minus

(e) A daily Separate Account charge at an annual rate as shown on Contract Schedule I for mortality and expense risks, which may include profit; and a daily administrative charge.

A net return rate may be more or less than 0%. The value of a share of the Fund is equal to the net assets of the Fund divided by the number of shares outstanding.

15

3.05	Fund Record Unit Value	A Fund record unit value is computed by multiplying the net return factors for the current
	-- Separate Account:	Valuation Period by the Fund record unit value for the previous Period. The dollar value of Fund
		record units, Separate Account assets, and Variable Annuity payments may go up or down due to
		investment gain or loss.

3.06 Market Value Adjustment: An MVA will apply to any withdrawal from the AG Account before the end of a Guaranteed Term when
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3.06      Market Value Adjustment (Cont'd):

3.07      Transfer of Current Value from the Funds or AG Account During the Accumulation Period:

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3.07      Transfer of Current Value from the Funds or AG Account During the Accumulation Period: (Cont'd):

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the withdrawal is:

(a) A Transfer; except for Transfers under the Dollar Cost Averaging program or, as specified in 1.24 Matured Term Value Transfer;

(b) A full or partial surrender (including a free withdrawal under 3.14), except for a payment made (1) under an SDO (see 3.10), or (2) under a qualified Contract, when the amount withdrawn is equal to the required minimum distribution for the Account calculated using a method permitted under the Code and agreed to by Aetna; or

(c) Due to election of an Annuity option (see 4.07).

Full and partial surrenders and Transfers made within six months after the date of the Annuitant's death will be the greater of:

(a) The aggregate MVA amount which is the sum of all market value adjusted amounts calculated due to a withdrawal of amounts. This total may be greater or less than the Current Value of those amounts; or

(b) The applicable portion of the Current Value in the AG Account.

After the six-month period, the surrender or Transfer will be the aggregate MVA amount, which may be greater or less than the Current Value of those amounts.

The greater of the aggregate MVA amount or the applicable portion of the Current Value applies to amounts withdrawn from the AG Account on account of an election of Annuity options 2 or 3 (see 4.07).

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Market value adjusted amounts will be equal to the amount withdrawn multiplied by the following ratio:

x
---
365

(1 + i)
----------
x
---
365
(1 + j)

Where:

i	is the Deposit Period Yield
j	is the Current Yield
x	is the number of days remaining, (computed from Wednesday of the week of withdrawal) in the Guaranteed Term.

The Deposit Period Yield will be determined as follows:

(a) At the close of the last business day of each week of the Deposit Period, a yield will be computed as the average of the yields on that day of U.S. Treasury Notes which mature in the last three months of the Guaranteed Term.

(b) The Deposit Period Yield is the average of those yields for the Deposit Period. If withdrawal is made before the close of the Deposit Period, it is the average of those yields on each week preceding withdrawal.

The Current Yield is the average of the yields on the last business day of the week preceding withdrawal on the same U.S. Treasury Notes included in the Deposit Period Yield.

In the event that no U.S. Treasury Notes which mature in the last three months of the Guaranteed Term exist, Aetna reserves the right to use the U.S. Treasury Notes that mature in the following quarter.

Before an Annuity option is elected, all or any portion of the Adjusted Current Value of the Certificate Holder's Account may be transferred from any Fund or Guaranteed Term of the AG Account:

(a) To any other Fund; or

(b) To any Guaranteed Term of the AG Account made available subject to terms and conditions specified by Aetna in the current Deposit Period.

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Transfer requests can be submitted as a percentage or as a dollar amount. Aetna may establish a minimum transfer amount. Within a Guaranteed Term Group, the amount to be surrendered or transferred will be withdrawn first from the oldest Deposit Period, then from the next oldest, and so on until the amount requested is satisfied.

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3.08      Notice to the Contract Holder:

3.09	Loans:
3.10	Systematic Distribution Options:

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3.10      Systematic Distribution Options (Cont'd):

3.11 Death Benefit Amount:

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3.11      Death Benefit Amount (Cont'd):

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The Certificate Holder may make an unlimited number of Transfers during the Accumulation Period. The number of free Transfers allowed by Aetna is shown on Contract Schedule I. Additional Transfers may be subject to a Transfer fee as shown on Contract Schedule I.

Amounts transferred from the AG Account under the Dollar Cost Averaging program, or amounts transferred as a Matured Term Value on or within one calendar month after a Term's Maturity Date do not count against the annual Transfer limit.

Amounts allocated to AG Account Guaranteed Terms may not be transferred to the Funds or to another Guaranteed Term during a Deposit Period or for 90 days after the close of a Deposit Period except for (1) Matured Term Value(s) during the calendar month following the Term's Maturity Date; (2) amounts used as a premium for an Annuity option; (3) amounts transferred under the Dollar Cost Averaging program; and (4) amounts distributed under the Systematic Distribution Option.

The Certificate Holder will receive quarterly statements from Aetna of:

(a) The value of any amounts held in:

(1)	The AG Account; and
(2)	The Fund(s) under the Separate Account.

(b) The number of any Fund(s) record units; and

(c) The Fund(s) record unit value.

Such number or values will be as of a specific date no more than 60 days before the date of the notice.

Loans are not available under this Contract.

Aetna may, from time to time, make one or more systematic distribution options (SDOs) available during the Accumulation Period. When an SDO is elected, Aetna will make automatic payments from the Certificate Holder's Account. No Surrender Fee or MVA will apply to the automatic payments made under an SDO.

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Any SDO will be subject to the following criteria:

(a) Any SDO will be available to similarly situated contracts uniformly, and on the basis of objective criteria consistently applied;

(b) The availability of any SDO may be limited by terms and conditions applicable to the election of such SDO; and

(c) Aetna may discontinue the availability of an SDO at any time. Except to the extent required to comply with applicable law, discontinuance of an SDO will apply only to future elections and will not affect SDOs in effect at the time an option is discontinued.

If the Certificate Holder or Annuitant dies before Annuity payments start, the Beneficiary is entitled to a death benefit under the Account. If the Account is owned jointly, the death benefit is paid at the death of the first joint Certificate Holder to die. The claim date is the date when proof of death and the Beneficiary's claim are received in good order at Aetna's home office. The amount of the death benefit is determined as follows:

(a) Death of Annuitant: The guaranteed death benefit is the greatest of:

(1) The sum of all Purchase Payment(s) made to the Account (as of the date of death) minus the sum of all amounts surrendered, applied to an Annuity, or deducted from the Account;

(2) The highest step up value, as of the date of death, prior to the Annuitant's 75th birthday. A step-up value is determined on each anniversary of the Effective Date. Each step-up value is calculated as the Account's Current Value on the Effective Date anniversary, increased by the amount of any Purchase Payment(s) made, and decreased by the sum of all amounts surrendered, deducted, and/or applied to an Annuity option since the Effective Date anniversary.

(3) The Account's Current Value as of the date of death.

The excess, if any, of the guaranteed death benefit value over the Account's Current Value is determined as of the date of death. Any excess amount will be deposited to the Account and allocated to Aetna Variable Encore Fund as of the claim date. The Current Value on the claim date plus any excess amount deposited becomes the Account's Current Value.

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(b) Death of the Certificate Holder if the Certificate Holder is not the Annuitant: The death benefit amount is the Account's Adjusted Current Value on the claim date. A Surrender Fee may apply to any full or partial surrender (see 3.14 and Contract Schedule I).

(c) Death of spousal Beneficiary who continued the Account: The death benefit amount equals the Account's Adjusted Current Value on the claim date, less any applicable Surrender Fee (see 3.14 and Contract Schedule I) on Purchase Payments made since the death of the Annuitant.

(d) Death of the spousal beneficiary of a Certificate Holder who was not the Annuitant and who continued the Account: The death benefit amount equals the Account's Adjusted Current Value on the claim date. A Surrender Fee may apply to any full or partial surrender (see 3.14 and

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3.12      Death Benefit Options Available to Beneficiary:

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3.12      Death Benefit Options Available to Beneficiary (Cont'd):

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Contract Schedule I).

Prior to any election, or until amounts must be otherwise distributed under this section, the Current Value will be retained in the Account. The Beneficiary has the right to allocate or reallocate any amount to any of the available investment options (subject to an MVA if applicable). The following options are available to the Beneficiary:

(a) When the Certificate Holder is the Annuitant if the Annuitant dies (or when the Certificate Holder is a nonnatural person if the Annuitant dies):

(1) If the Beneficiary is the surviving spouse, the spousal Beneficiary will be the successor Certificate Holder and may exercise all Certificate Holder rights under the Contract and continue in the Accumulation Period, or may elect (i) or (ii) below.

Under the Code, distributions from the Account are not required until the spousal Beneficiary's death. The spousal Beneficiary may elect to:

(i) Apply some or all of the Adjusted Current Value to an Annuity option (see 4.07);

(ii)Receive, at any time, a lump sum payment equal to the Adjusted Current Value of the Account.

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(2) If the Beneficiary is other than the surviving spouse, options (i) or (ii) above apply. Any portion of the Adjusted Current Value not applied to an Annuity option within one year of the death must be distributed within five years of the date of death.

(3) If no Beneficiary exists, a lump sum payment equal to the Adjusted Current Value must be made to the Annuitant's estate within five years of the date of death.

(4) If the Beneficiary is an entity, a lump sum payment equal to the Adjusted Current Value must be made within five years of the date of death.

(b) When the Certificate Holder is not the Annuitant when the Certificate Holder dies:

(1) If the Beneficiary is the Certificate Holder's surviving spouse, the spousal Beneficiary will be the successor Certificate Holder and may exercise all Certificate Holder rights under the Contract and continue in the Accumulation Period, or may elect (i) or (ii), below. Under the Code, distributions from the Account are not required until the spousal Beneficiary's death. The spousal Beneficiary may elect to:

(i)	Apply some or all of the Adjusted Current Value to Annuity option 2 or 3 (see 4.07);
(ii)	Receive, at any time, a lump sum payment equal to the Surrender Value.

(2) If the Beneficiary is other than the Certificate Holder's surviving spouse, options (i) or (ii) under (1) above apply. Any portion of the death benefit not applied to an Annuity option within one year of the Certificate Holder's death must be distributed within five years of the date of death.

(3) If no Beneficiary exists, a lump sum payment equal to the Surrender Value must be made to the Certificate Holder's estate within five years of the date of death.

(4) If the Beneficiary is an entity, a lump sum payment equal to the Surrender Value must be made within five years of the date of death.

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3.12	Death Benefit Options	(c) When the Certificate Holder is a natural person and not the Annuitant, when the Annuitant
	Available to Beneficiary	dies, the Beneficiary (or the Certificate Holder if no Beneficiary exists) may elect to:
	(Cont'd):

(i)	Apply all or some of the Adjusted Current Value to an Annuity option within 60 days of the date of death; or
(ii)	Receive a lump sum payment equal to the Adjusted Current Value.

3.13	Liquidation of Surrender	All or any portion of the Account's Current Value may be surrendered at any time. Surrender
	Value:	requests can be submitted as a percentage of the Account value or as a specific dollar amount. Net
		Purchase Payment amounts are withdrawn first, and then the excess value, if any. For any partial
		surrender, amounts are withdrawn on a pro rata basis from the Fund(s) and/or the Guaranteed
		Term(s) Groups of the AG Account in which the Current Value is invested. Within a Guaranteed Term
		Group, the amount to be surrendered or transferred will be withdrawn first from the oldest Deposit
		Period, then from the next oldest, and so on until the amount requested is satisfied.
		After deduction of the Maintenance Fee, if applicable, the surrendered amount shall be reduced by
		a Surrender Fee, if applicable. An MVA may apply to amounts surrendered from the AG Account.
3.14	Surrender Fee:	The Surrender Fee only applies to the Net Purchase Payment(s) portion surrendered and varies
		according to the elapsed time since deposit (see Contract Schedule I). Net Purchase Payment
		amounts are withdrawn in the same order they were applied.
		No Surrender Fee is deducted from any portion of the Current Value which is paid:
		(a) To a Beneficiary due to the Annuitant's death before Annuity payments start, up to a maximum
		of the aggregate Net Purchase Payment(s) minus the total of all partial surrenders, amounts
		applied to an Annuity and deductions made prior to the Annuitant's date of death;
		(b) As a premium for an Annuity option (see 4.07);
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3.14 Surrender Fee (Cont'd):

3.15      Payment of Surrender Value:

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(c)	As a distribution under an systematic distribution option (see 3.10);
	22
(d)	At least 12 months after the date of the first Purchase Payment to the Account, in an amount not to exceed the amount shown on Contract Schedule I under Annual Waiver of Surrender Fee.
	This waiver of the Surrender Fee applies to the first full or partial surrender in the calendar year. This waiver is not available if a systematic distribution option has been in effect at any time during the calendar year;
(e)	For a full surrender of the Account where the Current Value of the Account is $2,500 or less and no surrenders have been taken from the Account within the prior 12 months;
(f)	By Aetna under 3.16; or
(g)	If the Annuitant has spent at least 45 consecutive days in a licensed nursing care facility and each of the following conditions are met:
	(1) more than one calendar year has elapsed since the date the certificate was issued; and

(2) the surrender is requested within 3 years of admission to a licensed nursing care facility.

This waiver does not apply if the Annuitant was in a nursing care facility at the time the certificate was issued.

(h)      Under a qualified Contract when the amount withdrawn is equal to the minimum distribution required by the Code for the Account calculated using a method permitted under the Code and agreed to by Aetna.

Under certain emergency conditions, Aetna may defer payment:

(a)	For a period of up to 6 months (unless not allowed by state law); or
(b)	As provided by federal law.

3.16      Payment of Adjusted Current Value:

Upon 90 days' written notice to the Certificate Holder, Aetna will terminate any Certificate if the Current Value becomes less than $2,500 immediately following any partial surrender. Aetna does not intend to exercise this right in cases where the Account Current Value is reduced to $2,500 or less solely due to investment performance. A Surrender Fee will not be deducted from the Adjusted Current Value.

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IV.	ANNUITY PROVISIONS
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4.01 Choices:

4.02      Terms of Annuity Options:

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The Certificate Holder may tell Aetna to apply any portion of the Adjusted Current Value (minus any premium tax, if applicable,) to any Annuity option (see 4.07). The first Annuity payment may not be earlier than one calendar year after the initial Purchase Payment nor later than the later of:

(a) The first day of the month following the Annuitant's 85th birthday; or

(b) The tenth anniversary of the last Purchase Payment. In lieu of the election of an Annuity, the Certificate Holder may tell Aetna to make a lump sum payment.

When an Annuity option is chosen, Aetna must also be told if payments are to be made other than monthly and whether to pay:

(a) A Fixed Annuity using the General Account;

(b) A Variable Annuity using any of the Fund(s) available under this Contract for Annuity purposes; or

(c) A combination of (a) and (b).

If a Fixed Annuity is chosen, the Annuity purchase rate for the option chosen reflects the Minimum Guaranteed Interest Rate (see Contract Schedule II), but may reflect higher interest rates. If a Variable Annuity is chosen, the initial Annuity payment for the option chosen reflects the assumed annual return rate elected. (see Contract Schedule II).

During the Annuity Period when a Variable Annuity has been elected, at the request of the Certificate Holder, all or any portion of the amount allocated to a Fund may be transferred to any other Fund available during the Annuity Period. Four transfers, without charge, are allowed each calendar year. Aetna reserves the right to change the number of transfers allowed.

Transfer requests must be expressed as a percentage of the allocation among the Funds of the amount upon which the Variable Annuity will be based. Aetna reserves the right to establish a minimum transfer amount. Transfers will be effective as of the Valuation Period in which Aetna receives a transfer request in good order at its Home Office.

(a) When payments start, the age of the Annuitant plus the number of years for which payments are guaranteed must not exceed 95.

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4.02	Terms of Annuity Options
	(Cont'd):

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4.03      Death of Annuitant/Beneficiary:

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(b) An Annuity option may not be elected if the first payment would be less than $50 or if the total payments in a year would be less than $250 (less if required by state law). Aetna reserves the right to increase the minimum first Annuity payment amount and the annual minimum Annuity payment amount based upon increases reflected in the Consumer Price Index-Urban, (CPI-U) since July 1, 1993.

(c) If a Fixed Annuity is chosen Aetna will use the applicable current settlement rate if it will provide higher Fixed Annuity payments.

(d) For purposes of calculating the guaranteed first payment of a Variable Annuity or the payments for a Fixed Annuity, the Annuitant's and second Annuitant's adjusted age will be used. The Annuitant's and second Annuitant's adjusted age is his or her age as of the birthday closest to the Annuity commencement date reduced by one year for Annuity commencement dates occurring during the period of time from July 1, 1993 through December 31, 1999. The Annuitant's and second Annuitant's age will be reduced by two years for Annuity commencement dates occurring during the period of time from January 1, 2000 through December 31, 2009. The Annuitant's and second Annuitant's age will be reduced by one additional year for Annuity commencement dates occurring in each succeeding decade.

The Annuity purchase rates for options 2 and 3 are based on mortality from 1983 Table a.

(e) Assumed Annual Net Return Rate is the interest rate used to determine the amount of the first Annuity payment under a Variable Annuity as shown on Contract Schedule II. The Separate Account must earn this rate plus enough to cover the mortality and expense risks charges (which may include profit) and administrative charges if future Variable Annuity Payments are to remain level, (see Annuity return factor under Variable Annuity Assumed Annual Net Return Rate on Contract Schedule II).

(f) Once elected, Annuity payments cannot be commuted to a lump sum except for Variable Annuity payments under option 1 (see 4.07). The life expectancy of the Annuitant and the Annuitant and second Annuitant shall be irrevocable upon the election of an Annuity option.

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(a) Certificate Holder is Annuitant: When the Certificate Holder is the Annuitant and the Annuitant dies under option 1 or 2, or if both the Annuitant and the second Annuitant die under option 3(d), the present value of any remaining guaranteed payments will be paid in one sum to the Beneficiary, or upon election by the Beneficiary, any remaining payments will continue to the Beneficiary. If option 3 has been elected and the Certificate Holder dies, the remaining payments will continue to the successor payee. If no successor payee has been designated, the Beneficiary will be treated as the successor payee. If the Account has joint Certificate Holders, the surviving joint Certificate Holder will be deemed the successor payee.

(b) Certificate Holder is Not Annuitant: When the Certificate Holder is not the Annuitant and the Certificate Holder dies, the remaining payments will continue to the successor payee. If no successor payee has been designated, the Beneficiary will be treated as the successor payee.

If the Account has joint Certificate Holders, the surviving joint Certificate Holder will be deemed the successor payee.

If the Annuitant dies under option 1 or 2, or both the Annuitant and the second Annuitant die under option 3(d), the present value of any remaining guaranteed payments will be paid in one sum to the Beneficiary, or upon the election by the Beneficiary, any remaining payments will continue to the Beneficiary. If option 3 has been elected, and the Annuitant dies, the remaining payments will continue to the Certificate Holder.

(c) No Beneficiary Named/Surviving: If there is no Beneficiary, the present value of any remaining payments will be paid in one sum to the Certificate Holder, or if the Certificate Holder is not living, then to the Certificate Holder's estate.

(d) If the Beneficiary or the successor payee dies while receiving Annuity payments, the present value of any remaining guaranteed payments will be paid in one sum to the successor Beneficiary/payee, or upon election by the successor Beneficiary/payee, any remaining payments will continue to the successor Beneficiary/payee. If no successor Beneficiary/payee has been designated, the present value of any remaining guaranteed payments will be paid in one sum to the Beneficiary's/payee's estate.

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4.03	Death of	(e) The present value will be determined as of the Valuation Period in which proof of death
	Annuitant/Beneficiary	acceptable to Aetna and a request for payment is received at Aetna's home office. The interest
	(Cont'd):	rate used to determine the first payment will be used to calculate the present value.
4.04	Fund(s) Annuity Units --	The number of each Fund's Annuity Units is based on the amount of the first Variable Annuity
	Separate Account:	payment which is equal to:
		(a) The portion of the Current Value applied to pay a Variable Annuity (minus any premium tax);
		divided by
		(b) 1,000; multiplied by
		(c) The payment rate for the option chosen.
		Such amount, or portion, of the variable payment will be divided by the appropriate Fund Annuity
		unit value (see 4.05) on the tenth Valuation Period before the due date of the first payment to
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4.05      Fund(s) Annuity Unit Value -- Separate Account:

4.06      Annuity Net Return Factor(s) -- Separate Account:

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4.06      Annuity Net Return Factor(s) -- Separate Account (Cont'd):

4.07 Annuity Options:

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4.07      Annuity Options (Cont'd):

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determine the number of each Fund Annuity units. The number of each Fund Annuity units remains fixed. Each future payment is equal to the sum of the products of each Fund Annuity unit value multiplied by the appropriate number of units. The Fund Annuity unit value on the tenth Valuation Period prior to the due date of the payment is used.

For any Valuation Period, a Fund Annuity unit value is equal to:

(a) The value for the previous Period; multiplied by

(b) The Annuity net return factor(s) (see 4.06 below) for the Period; multiplied by

(c) A factor to reflect the assumed annual net return rate (see Contract Schedule II).

The dollar value of a Fund Annuity unit values and Annuity payments may go up or down due to investment gain or loss.

The Annuity net return factor(s) are used to compute all Separate Account Annuity Payments for any Fund.

The Annuity net return factor for each Fund is equal to 1.0000000 plus the net return rate.

The net return rate is equal to:

(a) The value of the shares of the Fund held by the Separate Account at the end of a Valuation Period; minus

(b) The value of the shares of the Fund held by the Separate Account at the start of the Valuation Period; plus or minus

(c) Taxes (or reserves for taxes) on the Separate Account (if any); divided by

27

(d) The total value of the Fund(s) record units and Fund(s) Annuity units of the Separate Account at the start of the Valuation Period; minus

(e) A daily charge for Annuity mortality and expense risks, which may include profit, and a daily administrative charge (at the annual rate as shown on Contract Schedule II).

A net return rate may be more or less than 0%.

The value of a share of the Fund is equal to the net assets of the Fund divided by the number of shares outstanding.

Payments shall not be changed due to changes in the mortality or expense results or administrative charges.

Option 1 -- Payments for a Specified Period: Payments are made for the number of years specified by the Certificate Holder. The number of years must be at least five and not more than 30.

Option 2 -- Life income based on the life of one Annuitant: Payments are made until the death of the Annuitant. When this option is elected, the Certificate Holder must also choose one of the following:

(a) payments cease at the death of the Annuitant;

(b) payments are guaranteed for a specified period from five to 30 years;

(c) cash refund: when the Annuitant dies, the Beneficiary will receive a lump sum payment equal to the amount applied to the Annuity option (less any premium tax, if applicable) less the total amount of Annuity payments made prior to such death. This cash refund feature is only available if the total amount applied to the Annuity option is allocated to a Fixed Annuity.

Option 3 -- Life income based on the lives of two Annuitants: Payments are made for the lives of two Annuitants, one of whom is designated the second Annuitant, and cease only when both Annuitants have died. When this option is elected, the Certificate Holder must also choose one of the following:

(a) 100% of the payment to continue after the first death; (b) 66-2/3% of the payment to continue after the first death; (c) 50% of the payment to continue after the first death;

(d) 100% of the payment to continue after the first death and payments are guaranteed for a period of five to 30 years;

(e) 100% of the payment to continue at the death of the designated second Annuitant and 50% of the payment to continue at the death of the Annuitant; or

28

(f) 100% of the payment continues after the first death with a cash refund feature. When the Annuitant and designated second Annuitant die, the Beneficiary will receive a lump sum payment equal to the amount applied to the Annuity option (less any premium tax) less the total amount of Annuity payments paid prior to such death. This cash refund feature is only available if the total amount applied to the Annuity option is allocated to a Fixed Annuity.

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If a Fixed Annuity is chosen under Option 1, Option 2 (a) or (b), or Option 3 (a) or (d), the Certificate Holder may elect, at the time the Annuity option is selected, an annual increase of one, two or three percent compounded annually.

As allowed under applicable state law, Aetna reserves the right to offer additional Annuity options.

</TABLE>

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<PAGE>

OPTION 1: Payments for a Specified Period

- --------------------------------------------------------------------------------Monthly Amount for Each $1,000* Rates for a Fixed Annuity with a 3% Guaranteed Interest Rate - --------------------------------------------------------------------------------Years Payment Years Payment

• ---------------------- --------------------- --------------------- -------------

5	17.91	18	5.96
6	15.14	19	5.73
7	13.16	20	5.51
8	11.68	21	5.32
9	10.53	22	5.15
10	9.61	23	4.99
11	8.86	24	4.84
12	8.24	25	4.71
13	7.71	26	4.59
14	7.26	27	4.47
15	6.87	28	4.37
16	6.53	29	4.27
17	6.23	30	4.18

- --------------------------------------------------------------------------------

First Month Amount for Each $1,000*

Rates for a Variable Annuity with a 3.5% Assumed Interest Rate

- --------------------------------------------------------------------------------

Years Payment Years Payment

• ---------------------- --------------------- --------------------- -------------

5	18.12	18	6.20
6	15.35	19	5.97
7	13.38	20	5.75
8	11.90	21	5.56
9	10.75	22	5.39
10	9.83	23	5.24
11	9.09	24	5.09
12	8.46	25	4.96
13	7.94	26	4.84
14	7.49	27	4.73
15	7.10	28	4.63
16	6.76	29	4.53
17	6.47	30	4.45

- --------------------------------------------------------------------------------

First Month Amount for Each $1,000*

Rates for a Variable Annuity with a 5% Assumed Interest Rate

- --------------------------------------------------------------------------------

Years Payment Years Payment

• ---------------------- --------------------- --------------------- -------------

5	18.74	18	6.94
6	15.99	19	6.71
7	14.02	20	6.51
8	12.56	21	6.33
9	11.42	22	6.17
10	10.51	23	6.02
11	9.77	24	5.88
12	9.16	25	5.76
13	8.64	26	5.65
14	8.20	27	5.54
15	7.82	28	5.45
16	7.49	29	5.36
17	7.20	30	5.28

• -------------------------------------------------------------------------------- * Net of any applicable premium tax deduction

G-MP2(5/97)

30

<PAGE>

Option 2: Life Income Based on the Life of One Annuitant

<TABLE> <CAPTION>

- -----------------------------------------------------------------------------------------------------------------------Monthly Payment Amount for Each $1,000* Rates for a Fixed Annuity with 3% Guaranteed Interest Rate - -----------------------------------------------------------------------------------------------------------------------Option 2(b): Option 2(b): Option 2(b): Option 2(b):

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								Page 18 of 22
	Option 2(a):	payments	payments	payments	payments		Option 2(c):
	payments for	guaranteed	guaranteed	guaranteed	guaranteed		Cash
Adjusted	life	5 years	10 years	15 years	20 years		Refund
Age of	----------------- ----------------- ------------------ ----------------- ------------------ ------------------
Annuitant	Male Female	Male Female	Male Female	Male Female	Male	Female	Male	Female

• -------- ------- --------- ------- --------- ------- ---------- ------- --------- -------- --------- -------- ---------

<S>	<C>	<C>	<C>	<C>	<C>	<C>	<C>	<C>	<C>	<C>	<C>	<C>
50	$ 4.27	$ 3.90	$ 4.26	$ 3.90	$ 4.22	$ 3.89	$ 4.17	$ 3.86	$ 4.08	$ 3.82	$ 4.04	$ 3.78
51	4.34	3.97	4.33	3.96	4.30	3.95	4.23	3.92	4.14	3.88	4.10	3.84
52	4.43	4.03	4.41	4.03	4.37	4.01	4.30	3.98	4.20	3.93	4.16	3.89
53	4.51	4.10	4.50	4.10	4.45	4.08	4.37	4.04	4.26	3.99	4.23	3.95
54	4.60	4.18	4.59	4.17	4.54	4.15	4.45	4.11	4.32	4.04	4.29	4.01
55	4.70	4.25	4.68	4.25	4.62	4.22	4.53	4.18	4.39	4.11	4.37	4.07
56	4.80	4.34	4.78	4.33	4.72	4.30	4.61	4.25	4.45	4.17	4.44	4.13
57	4.91	4.42	4.89	4.41	4.82	4.38	4.69	4.32	4.51	4.23	4.52	4.20
58	5.03	4.52	5.00	4.51	4.92	4.47	4.78	4.40	4.58	4.30	4.61	4.28
59	5.15	4.61	5.12	4.60	5.03	4.56	4.87	4.48	4.65	4.37	4.69	4.35
60	5.28	4.72	5.25	4.70	5.14	4.66	4.96	4.57	4.71	4.44	4.78	4.43
61	5.43	4.83	5.39	4.81	5.27	4.76	5.06	4.66	4.78	4.51	4.88	4.52
62	5.58	4.95	5.53	4.93	5.39	4.87	5.16	4.75	4.84	4.58	4.98	4.60
63	5.74	5.08	5.69	5.05	5.53	4.98	5.26	4.85	4.90	4.65	5.09	4.70
64	5.91	5.21	5.85	5.18	5.66	5.10	5.36	4.95	4.96	4.72	5.20	4.80
65	6.10	5.36	6.03	5.32	5.81	5.22	5.46	5.05	5.02	4.79	5.31	4.90
66	6.30	5.51	6.21	5.47	5.96	5.36	5.56	5.16	5.08	4.86	5.44	5.01
67	6.51	5.67	6.41	5.63	6.12	5.50	5.66	5.26	5.13	4.93	5.56	5.12
68	6.73	5.85	6.62	5.80	6.28	5.65	5.77	5.37	5.18	5.00	5.70	5.24
69	6.97	6.04	6.84	5.98	6.44	5.80	5.86	5.49	5.23	5.06	5.84	5.37
70	7.23	6.25	7.07	6.18	6.61	5.97	5.96	5.60	5.27	5.12	5.98	5.51
71	7.51	6.47	7.32	6.39	6.79	6.14	6.05	5.71	5.31	5.18	6.14	5.65
72	7.80	6.71	7.58	6.62	6.96	6.32	6.14	5.83	5.34	5.23	6.30	5.80
73	8.12	6.98	7.85	6.86	7.14	6.50	6.23	5.94	5.37	5.28	6.47	5.96
74	8.46	7.26	8.14	7.12	7.32	6.69	6.31	6.04	5.40	5.32	6.65	6.13
75	8.82	7.57	8.45	7.40	7.50	6.89	6.38	6.14	5.42	5.35	6.83	6.31

- -----------------------------------------------------------------------------------------------------------------------</TABLE> * Net of any applicable premium tax deduction

G-MP2(5/97)

31

<PAGE>

     Option 2: Life Income Based on the Life of One Annuitant <TABLE> <CAPTION>

- ----------------------------------------------------------------------------------------------------------------First Month Payment Amount for Each $1,000* Rates for a Variable Annuity with 3.5% Assumed Interest Rate - ----------------------------------------------------------------------------------------------------------------

	Option 2(a):	Option 2(b):	Option 2(b):	Option 2(b):	Option 2(b):
	payments for life	payments	payments	payments	payments
		guaranteed	guaranteed	guaranteed	guaranteed
Adjusted		5 years	10 years	15 years	20 years

Age of ------------------- -------------------- -------------------- -------------------- --------------------Annuitant Male Female Male Female Male Female Male Female Male Female

• -------- --------- --------- ---------- --------- ---------- --------- --------- ---------- --------- ----------

<S>	<C>	<C>	<C>	<C>	<C>	<C>	<C>	<C>	<C>	<C>
50	$ 4.56	$ 4.20	$ 4.55	$ 4.19	$ 4.51	$ 4.18	$ 4.45	$ 4.15	$ 4.36	$ 4.11
51	4.64	4.26	4.62	4.25	4.58	4.24	4.51	4.21	4.42	4.16
52	4.72	4.32	4.70	4.32	4.66	4.30	4.58	4.26	4.48	4.21
53	4.80	4.39	4.79	4.38	4.74	4.36	4.65	4.32	4.53	4.27
54	4.89	4.46	4.87	4.46	4.82	4.43	4.73	4.39	4.59	4.32
55	4.99	4.54	4.97	4.53	4.91	4.50	4.80	4.46	4.65	4.38
56	5.09	4.62	5.07	4.61	5.00	4.58	4.88	4.53	4.72	4.44
57	5.20	4.71	5.17	4.70	5.10	4.66	4.96	4.60	4.78	4.50
58	5.32	4.80	5.29	4.79	5.20	4.75	5.05	4.68	4.84	4.57
59	5.44	4.90	5.41	4.88	5.31	4.84	5.14	4.76	4.91	4.63
60	5.57	5.00	5.53	4.99	5.42	4.93	5.23	4.84	4.97	4.70
61	5.71	5.11	5.67	5.09	5.54	5.03	5.32	4.93	5.03	4.77
62	5.86	5.23	5.81	5.21	5.66	5.14	5.42	5.02	5.09	4.84
63	6.02	5.36	5.97	5.33	5.79	5.25	5.51	5.11	5.16	4.91
64	6.20	5.49	6.13	5.46	5.93	5.37	5.61	5.21	5.21	4.98
65	6.38	5.64	6.31	5.60	6.07	5.49	5.71	5.31	5.27	5.05
66	6.58	5.79	6.49	5.75	6.22	5.63	5.81	5.41	5.32	5.12
67	6.79	5.95	6.69	5.91	6.38	5.76	5.91	5.52	5.38	5.18
68	7.02	6.13	6.89	6.08	6.53	5.91	6.01	5.63	5.42	5.25
69	7.26	6.32	7.11	6.26	6.70	6.06	6.11	5.74	5.47	5.31
70	7.52	6.53	7.35	6.45	6.86	6.23	6.20	5.85	5.51	5.37
71	7.80	6.75	7.59	6.66	7.03	6.39	6.29	5.96	5.54	5.42
72	8.09	6.99	7.85	6.89	7.21	6.57	6.38	6.07	5.57	5.47
73	8.41	7.26	8.12	7.13	7.38	6.75	6.46	6.17	5.60	5.51
74	8.75	7.54	8.41	7.39	7.55	6.94	6.53	6.28	5.63	5.55
75	9.12	7.85	8.71	7.66	7.73	7.13	6.61	6.38	5.65	5.59
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- ----------------------------------------------------------------------------------------------------------------</TABLE>

* Net of any applicable premium tax deduction

G-MP2(5/97)

32

<PAGE>

     Option 2: Life Income Based on the Life of One Annuitant <TABLE> <CAPTION>

- ----------------------------------------------------------------------------------------------------------------First Month Payment Amount for Each $1,000* Rates for a Variable Annuity with 5% Assumed Interest Rate - ----------------------------------------------------------------------------------------------------------------

	Option 2(a):	Option 2(b):	Option 2(b):	Option 2(b):	Option 2(b):
	payments for life	payments	payments	payments	payments
		guaranteed	guaranteed	guaranteed	guaranteed
Adjusted		5 years	10 years	15 years	20 years

Age of ------------------- -------------------- -------------------- -------------------- --------------------Annuitant Male Female Male Female Male Female Male Female Male Female

• -------- --------- --------- ---------- --------- ---------- --------- --------- ---------- --------- ----------

<S>	<C>	<C>	<C>	<C>	<C>	<C>	<C>	<C>	<C>	<C>
50	$ 5.48	$ 5.12	$ 5.46	$ 5.11	$ 5.41	$ 5.09	$ 5.34	$ 5.06	5.24	$ 5.01
51	5.55	5.17	5.53	5.17	5.48	5.14	5.40	5.11	5.29	5.05
52	5.63	5.23	5.61	5.23	5.55	5.20	5.46	5.16	5.34	5.10
53	5.71	5.30	5.69	5.29	5.62	5.26	5.53	5.22	5.40	5.15
54	5.80	5.37	5.77	5.36	5.70	5.33	5.60	5.27	5.45	5.20
55	5.89	5.44	5.86	5.43	5.79	5.39	5.67	5.34	5.51	5.25
56	5.99	5.52	5.96	5.51	5.87	5.47	5.74	5.40	5.56	5.31
57	6.10	5.60	6.06	5.59	5.97	5.54	5.82	5.47	5.62	5.37
58	6.21	5.69	6.17	5.67	6.06	5.62	5.90	5.54	5.68	5.42
59	6.33	5.79	6.29	5.77	6.17	5.71	5.98	5.61	5.74	5.48
60	6.46	5.89	6.41	5.87	6.28	5.80	6.06	5.69	5.79	5.55
61	6.60	6.00	6.55	5.97	6.39	5.90	6.15	5.77	5.85	5.61
62	6.75	6.11	6.69	6.08	6.51	6.00	6.24	5.86	5.91	5.67
63	6.91	6.23	6.84	6.20	6.64	6.10	6.33	5.95	5.96	5.73
64	7.09	6.37	7.00	6.33	6.77	6.22	6.42	6.04	6.02	5.80
65	7.27	6.51	7.18	6.46	6.91	6.34	6.52	6.13	6.07	5.86
66	7.47	6.66	7.36	6.61	7.05	6.46	6.61	6.23	6.12	5.92
67	7.68	6.82	7.55	6.76	7.20	6.60	6.70	6.33	6.16	5.99
68	7.91	7.00	7.76	6.93	7.35	6.74	6.80	6.43	6.21	6.04
69	8.15	7.19	7.98	7.11	7.51	6.89	6.89	6.54	6.25	6.10
70	8.41	7.39	8.21	7.30	7.67	7.04	6.97	6.64	6.28	6.15
71	8.69	7.62	8.45	7.51	7.83	7.21	7.06	6.74	6.32	6.20
72	8.99	7.86	8.70	7.73	8.00	7.38	7.14	6.85	6.35	6.25
73	9.31	8.12	8.97	7.97	8.16	7.55	7.21	6.95	6.37	6.29
74	9.65	8.41	9.26	8.23	8.33	7.73	7.29	7.04	6.39	6.33
75	10.02	8.72	9.55	8.50	8.50	7.92	7.35	7.14	6.41	6.36

- ----------------------------------------------------------------------------------------------------------------</TABLE> * Net of any applicable premium tax deduction

G-MP2(5/97)

33

<PAGE>

     Option 3: Life Income Based on the Lives of Two Annuitants <TABLE> <CAPTION>

- --------------------------------------------------------------------------------------------------------------------Monthly Payment Amount for Each $1,000* Rates for a Fixed Annuity with 3% Guaranteed Interest Rate Annuitant is Female and Second Annuitant is Male - --------------------------------------------------------------------------------------------------------------------Adjusted Ages - ---------------------------Second Annuitant Annuitant Option 3(a) Option 3(b) Option 3(c) Option 3(d) Option 3(e) Option 3(f)

• ------------- ------------- -------------- --------------- -------------- -------------- --------------- -----------

<S>	<C>	<C>	<C>	<C>	<C>	<C>	<C>
55	50	$ 3.75	$ 4.07	$ 4.26	$ 3.75	$ 3.98	$ 3.72
55	55	3.88	4.25	4.47	3.87	4.06	3.85
55	60	3.99	4.44	4.71	3.98	4.12	3.94
60	55	4.06	4.47	4.71	4.06	4.37	4.02
60	60	4.24	4.71	4.99	4.23	4.47	4.17
60	65	4.38	4.97	5.32	4.38	4.54	4.29
65	60	4.49	5.01	5.32	4.48	4.89	4.39
65	65	4.72	5.33	5.70	4.71	5.02	4.59
65	70	4.93	5.68	6.15	4.91	5.14	4.74
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70	65	5.07	5.75	6.17	5.05	5.60	4.87
70	70	5.40	6.21	6.70	5.36	5.79	5.13
70	75	5.69	6.68	7.32	5.62	5.96	5.29
75	70	5.89	6.82	7.40	5.81	6.63	5.48
75	75	6.37	7.45	8.15	6.23	6.92	5.78
75	80	6.78	8.11	8.99	6.54	7.15	5.93

- --------------------------------------------------------------------------------------------------------------------</TABLE> * Net of any applicable premium tax deduction

G-MP2(5/97)

34

<PAGE>

     Option 3: Life Income Based on the Lives of Two Annuitants <TABLE> <CAPTION>

- --------------------------------------------------------------------------------------------------------First Month Payment Amount for Each $1,000* Rates for a Variable Annuity with 3.5% Assumed Interest Rate Annuitant is Female and Second Annuitant is Male - --------------------------------------------------------------------------------------------------------Adjusted Ages - ---------------------------Second Annuitant Annuitant Option 3(a) Option 3(b) Option 3(c) Option 3(d) Option 3(e)

• ------------- ------------- -------------- --------------- -------------- -------------- ---------------

<S>	<C>	<C>	<C>	<C>	<C>	<C>
55	50	$ 4.03	$ 4.36	$ 4.55	$ 4.03	$ 4.27
55	55	4.16	4.54	4.76	4.15	4.34
55	60	4.27	4.73	5.00	4.26	4.40
60	55	4.34	4.76	5.00	4.34	4.65
60	60	4.51	4.99	5.27	4.50	4.74
60	65	4.66	5.25	5.61	4.65	4.82
65	60	4.76	5.29	5.60	4.75	5.16
65	65	4.99	5.61	5.99	4.98	5.30
65	70	5.19	5.97	6.44	5.17	5.41
70	65	5.34	6.03	6.46	5.31	5.88
70	70	5.67	6.49	6.99	5.62	6.07
70	75	5.95	6.96	7.61	5.87	6.23
75	70	6.16	7.10	7.68	6.07	6.90
75	75	6.64	7.73	8.43	6.48	7.19
75	80	7.04	8.39	9.29	6.79	7.42

- --------------------------------------------------------------------------------------------------------</TABLE> * Net of any applicable premium tax deduction

G-MP2(5/97)

35

<PAGE>

     Option 3: Life Income Based on the Lives of Two Annuitants <TABLE> <CAPTION>

- ---------------------------------------------------------------------------------------------------------------First Month Payment Amount for Each $1,000* Rates for a Variable Annuity with 5% Assumed Interest Rate Annuitant is Female and Second Annuitant is Male - ---------------------------------------------------------------------------------------------------------------Adjusted Ages

- --------------------------------
	Second
Annuitant	Annuitant	Option 3(a)	Option 3(b)	Option 3(c)	Option 3(d)	Option 3(e)

• ---------------- --------------- --------------- -------------- --------------- --------------- ---------------

<S>	<C>	<C>	<C>	<C>	<C>	<C>
55	50	$ 4.93	$ 5.27	$ 5.46	$ 4.93	$ 5.17
55	55	5.04	5.44	5.66	5.04	5.23
55	60	5.15	5.63	5.91	5.14	5.29
60	55	5.21	5.65	5.89	5.21	5.53
60	60	5.37	5.87	6.16	5.37	5.62
60	65	5.52	6.14	6.51	5.51	5.70
65	60	5.61	6.16	6.49	5.60	6.03
65	65	5.83	6.49	6.87	5.82	6.15
65	70	6.04	6.84	7.34	6.00	6.27
70	65	6.17	6.90	7.33	6.13	6.73
70	70	6.49	7.35	7.87	6.44	6.91
70	75	6.77	7.84	8.51	6.68	7.07
75	70	6.97	7.96	8.56	6.87	7.75
75	75	7.45	8.60	9.33	7.27	8.04
75	80	7.86	9.28	10.20	7.57	8.27
- ---------------------------------------------------------------------------------------------------------------
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Page 21 of 22

</TABLE>

* Net of any applicable premium tax deduction

G-MP2(5/97)

     36 <PAGE>

     Option 3: Life Income Based on the Lives of Two Annuitants <TABLE> <CAPTION>

- ------------------------------------------------------------------------------------------------------------------------------Monthly Payment Amount for Each $1,000* Rates for a Fixed Annuity with 3% Guaranteed Interest Rate Annuitant is Male and Second Annuitant is Female - ------------------------------------------------------------------------------------------------------------------------------

Adjusted Ages
- -------------------------------
	Second
Annuitant	Annuitant	Option 3(a)	Option 3(b)	Option 3(c)	Option 3(d)	Option 3(e)	Option 3(f)

• --------------- ------------ --------------- ------------- -------------- ------------- ------------- ---------------

<S>	<C>	<C>	<C>	<C>	<C>	<C>	<C>
55	50	$ 3.69	$ 4.05	$ 4.27	$ 3.69	$ 4.13	$ 3.67
55	55	3.88	4.25	4.47	3.87	4.25	3.85
55	60	4.06	4.47	4.71	4.06	4.36	4.02
60	55	3.99	4.44	4.71	3.98	4.55	3.94
60	60	4.24	4.71	4.99	4.23	4.70	4.17
60	65	4.49	5.01	5.32	4.48	4.85	4.39
65	60	4.38	4.97	5.32	4.38	5.10	4.29
65	65	4.72	5.33	5.70	4.71	5.32	4.59
65	70	5.07	5.75	6.17	5.05	5.54	4.87
70	65	4.93	5.68	6.15	4.91	5.86	4.74
70	70	5.40	6.21	6.70	5.36	6.18	5.13
70	75	5.89	6.82	7.40	5.81	6.49	5.48
75	70	5.69	6.68	7.32	5.62	6.92	5.29
75	75	6.37	7.45	8.15	6.23	7.40	5.78
75	80	7.07	8.34	9.16	6.78	7.85	6.17

- ------------------------------------------------------------------------------------------------------------------------------</TABLE> * Net of any applicable premium tax deduction

G-MP2(5/97)

37

<PAGE>

     Option 3: Life Income Based on the Lives of Two Annuitants <TABLE> <CAPTION>

- ---------------------------------------------------------------------------------------------------------------First Month Payment Amount for Each $1,000* Rates for a Variable Annuity with 3.5% Assumed Interest Rate Annuitant is Male and Second Annuitant is Female - ---------------------------------------------------------------------------------------------------------------Adjusted Ages

- --------------------------------
	Second
Annuitant	Annuitant	Option 3(a)	Option 3(b)	Option 3(c)	Option 3(d)	Option 3(e)

• --------------- ------------ --------------- ------------- -------------- ------------- -------------

<S>	<C>	<C>	<C>	<C>	<C>	<C>
55	50	$ 3.97	$ 4.35	$ 4.56	$ 3.97	$ 4.42
55	55	4.16	4.54	4.76	4.15	4.54
55	60	4.34	4.76	5.00	4.34	4.64
60	55	4.27	4.73	5.00	4.26	4.83
60	60	4.51	4.99	5.27	4.50	4.98
60	65	4.76	5.29	5.60	4.75	5.13
65	60	4.66	5.25	5.61	4.65	5.39
65	65	4.99	5.61	5.99	4.98	5.60
65	70	5.34	6.03	6.46	5.31	5.81
70	65	5.19	5.97	6.44	5.17	6.14
70	70	5.67	6.49	6.99	5.62	6.47
70	75	6.16	7.10	7.68	6.07	6.77
75	70	5.95	6.96	7.61	5.87	7.20
75	75	6.64	7.73	8.43	6.48	7.68
75	80	7.33	8.62	9.45	7.02	8.13
- ---------------------------------------------------------------------------------------------------------------
</TABLE>
	* Net of any applicable premium tax deduction
G-MP2(5/97)
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     38 <PAGE>

     Option 3: Life Income Based on the Lives of Two Annuitants <TABLE> <CAPTION>

- ---------------------------------------------------------------------------------------------------------------------------First Month Payment Amount for Each $1,000* Rates for a Variable Annuity with 5% Assumed Interest Rate Annuitant is Male and Second Annuitant is Female - ---------------------------------------------------------------------------------------------------------------------------

Adjusted Ages
- -----------------------------------
	Second
Annuitant	Annuitant	Option 3(a)	Option 3(b)	Option 3(c)	Option 3(d)	Option 3(e)

• ------------------ ---------------- ----------------- ---------------- ----------------- ----------------- ----------------

<S>	<C>	<C>	<C>	<C>	<C>	<C>
55	50	$ 4.88	$ 5.26	$ 5.48	$ 4.88	$ 5.34
55	55	5.04	5.44	5.66	5.04	5.43
55	60	5.21	5.65	5.89	5.21	5.53
60	55	5.15	5.63	5.91	5.14	5.73
60	60	5.37	5.87	6.16	5.37	5.86
60	65	5.61	6.16	6.49	5.60	6.01
65	60	5.52	6.14	6.51	5.51	6.28
65	65	5.83	6.49	6.87	5.82	6.47
65	70	6.17	6.90	7.33	6.13	6.67
70	65	6.04	6.84	7.34	6.00	7.03
70	70	6.49	7.35	7.87	6.44	7.33
70	75	6.97	7.96	8.56	6.87	7.62
75	70	6.77	7.84	8.51	6.68	8.08
75	75	7.45	8.60	9.33	7.27	8.55
75	80	8.14	9.49	10.35	7.80	8.98

- ---------------------------------------------------------------------------------------------------------------------------</TABLE> * Net of any applicable premium tax deduction

G-MP2(5/97)

     39 <PAGE>

- --------------------------------------------------------------------------------Aetna Insurance Company of America Home Office: 151 Farmington Avenue P.O. Box 30670 Hartford, Connecticut 06150-0670 (800) 531-4547

Group Variable, Fixed, or Combination Annuity Contract Nonparticipating

- --------------------------------------------------------------------------------

ALL PAYMENTS AND VALUES PROVIDED BY THE GROUP CONTRACT, WHEN BASED ON INVESTMENT EXPERIENCE OF A SEPARATE ACCOUNT, ARE VARIABLE AND ARE NOT GUARANTEED AS TO FIXED DOLLAR AMOUNT. THIS CONTRACT CONTAINS A MARKET VALUE ADJUSTMENT FORMULA. APPLICATION OF A MARKET VALUE ADJUSTMENT MAY RESULT IN EITHER AN INCREASE OR DECREASE IN THE CURRENT VALUE. THE MARKET VALUE ADJUSTMENT FORMULA DOES NOT APPLY TO A GUARANTEED TERM AT THE TIME OF ITS MATURITY.

G-MP2(5/97)

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03/26/2018

EX-16

Page 1 of 24

Exhibit 16(4)(k)
	Aetna Insurance Company of America
	Home Office: 151 Farmington Avenue
	P.O. Box 30670
	Hartford, Connecticut 06150-0670
	(800) 531-4547
	You may call the toll-free number shown above for
	answers to questions or to resolve a complaint.
	Aetna Insurance Company of America, a stock
	company, herein called Aetna, agrees to pay the
	benefits stated in this Contract.
- --------------------------------------------------------------------------------
Certificate of Group Annuity To the Certificate Holder:
Coverage
	Aetna certifies that coverage is in force for you
	under the stated Group Annuity Contract and
	Certificate numbers. All data shown here is taken
	from Aetna records and is based upon information
	furnished by you.
	This Certificate is a summary of the Group
	Annuity Contract provisions. It replaces any and
	all prior certificates or endorsements issued to
	you under the stated Contract and Certificate
	numbers. This Certificate is for information only
	and is not a part of the Contract.
	The variable features of the Group Contract are
	described in parts III and IV.
- --------------------------------------------------------------------------------
Right to Cancel	You may cancel your Account within 10
	days by returning it to the agent from whom it
	was purchased, or to Aetna at the address shown
	above. Within seven days of receiving this
	Certificate at its home office, Aetna will return
	the amount of Purchase Payment(s) received, plus
	any increase, or minus any decrease, on the
	amount, if any, of Purchase Payment(s) allocated
	to the Separate Account fund(s).
/s/ Dan Kearney	/s/ Maria F. McKeon
President	Secretary
- --------------------------------------------------------------------------------
Contract Holder	Group Annuity Contract No.
SPECIMEN	SPECIMEN
- --------------------------------------------------------------------------------
Certificate Holder	Certificate No.
SPECIMEN
SPECIMEN	SPECIMEN
- --------------------------------------------------------------------------------
Annuitant Name	Type of Plan
SPECIMEN	SPECIMEN
- --------------------------------------------------------------------------------
ALL PAYMENTS AND VALUES PROVIDED BY THE GROUP CONTRACT, WHEN BASED ON INVESTMENT
EXPERIENCE OF A SEPARATE ACCOUNT, ARE VARIABLE AND ARE NOT GUARANTEED AS TO
FIXED DOLLAR AMOUNT. THIS CERTIFICATE CONTAINS A MARKET VALUE ADJUSTMENT
FORMULA. APPLICATION OF A MARKET VALUE ADJUSTMENT MAY RESULT IN EITHER AN
INCREASE OR DECREASE IN THE CURRENT VALUE. THE MARKET VALUE ADJUSTMENT FORMULA
DOES NOT APPLY TO A GUARANTEED TERM AT THE TIME OF ITS MATURITY.
MP2CERT (5/97)
<PAGE>
Specifications
- ------------------------------- ------------------------------------------------
Guaranteed Interest Rate There are guaranteed interest
	rates for amounts held in the AG Account (See
	Certificate Schedule I).
- ------------------------------- ------------------------------------------------
Deductions from the	There will be deductions for mortality and expense
Separate Account	risks and administrative fees. (See Certificate
	Schedule I and II).
- ------------------------------- ------------------------------------------------
Deduction from	The Purchase Payment is subject to a deduction for
Purchase Payment(s)	premium taxes, if any. (See 3.01.)
- ------------------------------- ------------------------------------------------
Surrender Fee	There will be a charge deducted upon surrender.
	(See Certificate Schedule I).
MP2CERT(5/97)
	2
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Page 2 of 24

<PAGE>

Contract Schedule I
Accumulation Period

<TABLE>
<CAPTION>
Separate Account

• -------------------------- ----------------------------------------------------------------------------------------------------

<S>	<C>
Separate Account:	Variable Annuity Account I
Charges to Separate	A daily charge is deducted from any portion of the Current Value allocated to the Separate
Account:	Account. The deduction is the daily equivalent of the annual effective percentage shown in the
	following chart:	__		__
	Administrative Charge	|	0.15%	|
	Mortality Risk Charge	|	0.35%	|
	Expense Risk Charge	|	0.90%	|
			-----
	Total Separate Account	|		|
	Charges	|	1.40%	|
		|_		_|

AICA Guaranteed Account (AG Account)

- -------------------------------------------------------------------------------------------------------------------------------

Minimum Guaranteed [3.0%] (effective annual rate of return) Interest Rate: Separate Account and AG Account

- -------------------------------------------------------------------------------------------------------------------------------

Transfers:	An unlimited number of Transfers are allowed during the Accumulation Period. Aetna allows [12] free Transfers in any calendar year. Thereafter, Aetna reserves the right to charge [$10] for each subsequent Transfer.
Maintenance Fee:	The annual Maintenance Fee is [$30]. If the Account's Current Value is $50,000 or more on the date the Maintenance Fee is to be deducted, the Maintenance Fee is [$0].
Annual Waiver of Surrender Fee:	As provided in 3.14 (d), the amount that may be withdrawn without a surrender fee cannot exceed [10%] of the Current Value calculated on the date Aetna receives a surrender request in good order at its Home Office.

MP2CERT(5/97)-1

3

<PAGE>

Contract Schedule I (Continued)
Accumulation Period

Separate Account and AG Account (Cont'd)

- -----------------------------------------------------------------------------------------------------------------------------

Surrender Fee:	For each surrender, the Surrender Fee will be determined as follows:
		Surrender Fee
	Length of Time from Deposit of	(as percentage of
__ Net Purchase Payment (Years)		Net Purchase Payment)
|	Less than 2 years	7%	|
|	2 or more but less than 4 years	6%	|
|	4 or more but less than 5 years	5%	|
|	5 or more but less than 6 years	4%	|
|	6 or more but less than 7 years	3%	|
|_ 7 years or more		0% _|
Systematic	The specified payment or specified percentage may not be greater than [10%] of the Account's
Withdrawal	Current Value at time of election.
Option (SWO):
</TABLE>
See 1. GENERAL DEFINITIONS for explanations.

MP2CERT(5/97)-1

4

<PAGE>

Contract Schedule II
Annuity Period

<TABLE>
<CAPTION>
Separate Account

• -------------------------- ----------------------------------------------------------------------------------------------------

<S>	<C>
Charges to Separate	A daily charge at an annual effective rate of [1.25%] for Annuity mortality and expense risks.
Account:	The administrative charge is established upon election of an Annuity option.	This charge will not
	exceed [0.25%].
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Variable Annuity Assumed If a Variable Annuity is chosen, an assumed annual net return rate of [5.0%] may be elected. If Annual Net Return Rate: [5.0%] is not elected, Aetna will use an assumed annual net return rate of [3.5%].

The assumed annual net return rate factor for [3.5%] per year is [0.9999058].

The assumed annual net return rate factor for [5.0%] per year is [0.9998663].

If the portion of a Variable Annuity payment for any
Fund is not to decrease, the Annuity return factor
under the Separate Account for that Fund must be:

(a) [4.75%] on an annual basis plus an annual return of up to [0.25%] to offset the administrative charge set at the time Annuity payments commence if an assumed annual net return rate of [3.5%] is chosen; or

(b) [6.25%] on an annual basis plus an annual return of up to [0.25%] to offset the administrative charge set at the time Annuity payments commence, if an assumed annual net return rate of [5%] is chosen.

Fixed Annuity

• -------------------------- ----------------------------------------------------------------------------------------------------

Minimum Guaranteed Interest Rate: </TABLE> [3.0%] (effective annual rate of return)

See 1. GENERAL DEFINITIONS for explanations.

MP2CERT(5/97)-1

5

<PAGE>

Contract Schedule I
Accumulation Period

<TABLE>
<CAPTION>
Separate Account

• -------------------------- ----------------------------------------------------------------------------------------------------

<S>	<C>
Separate Account:	Variable Annuity Account I
Charges to Separate	A daily charge is deducted from any portion of the Current Value allocated to the Separate
Account:	Account. The deduction is the daily equivalent of the annual effective percentage shown in the
	following chart:	__		__
	Administrative Charge	|	0.15%	|
	Mortality Risk Charge	|	0.35%	|
	Expense Risk Charge	|	0.90%	|
			-----
	Total Separate Account	|		|
	Charges	|	1.40%	|
		|_		_|

AICA Guaranteed Account (AG Account)

- -------------------------------------------------------------------------------------------------------------------------------

Minimum Guaranteed Interest Rate: [3.0%] (effective annual rate of return)

Separate Account and AG Account

- -------------------------------------------------------------------------------------------------------------------------------

Transfers:	An unlimited number of Transfers are allowed during the Accumulation Period. Aetna allows [12]
	free Transfers in any calendar year.	Thereafter, Aetna reserves the right to charge [$10] for
	each subsequent Transfer.
Maintenance Fee:	The annual Maintenance Fee is [$30].	If the Account's Current Value is $50,000 or more on the
	date the Maintenance Fee is to be deducted, the Maintenance Fee is [$0].
Annual Waiver of	As provided in 3.14 (d), the amount that may be withdrawn without a surrender fee cannot exceed [10%] of
Surrender Fee:	the Current Value calculated on the date Aetna receives a surrender request in good order at its Home
	Office.
MP2CERT(5/97)-2

3

<PAGE>

Contract Schedule I (Continued)
Accumulation Period

Separate Account and AG Account (Cont'd)

- -------------------------------------------------------------------------------------------------------------------------------

Surrender Fee:	For each surrender, the Surrender Fee will be determined as follows:
		Surrender Fee
	Length of Time from Deposit of	(as percentage of
__	Net Purchase Payment (Years)	Net Purchase Payment)
|	Less than 1 year	3% |
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			Page 4 of 24
|	More than 1 but less than 2 years	2%	|
|	More than 2 but less than 3 years	1%	|
|	More than 3 years	0%	|
|_			_|
Systematic	The specified payment or specified percentage may not be greater than [10%] of the Account's Current
Withdrawal	Value at time of election.
Option (SWO):
</TABLE>
See 1. GENERAL DEFINITIONS for explanations.

MP2CERT(5/97)-2

4

<PAGE>

Contract Schedule II
Annuity Period

<TABLE>
<CAPTION>
Separate Account

• ------------------------------- -----------------------------------------------------------------------------------------------

<S>	<C>
Charges to Separate Account:	A daily charge at an annual effective rate of [1.25%] for Annuity mortality and expense
	risks. The administrative charge is established upon election of an Annuity option. This
	charge will not exceed [0.25%].
Variable Annuity Assumed	If a Variable Annuity is chosen, an assumed annual net return rate of [5.0%] may be elected.
Annual Net Return Rate:	If [5.0%] is not elected, Aetna will use an assumed annual net return rate of [3.5%].
	The assumed annual net return rate factor for [3.5%] per year is [0.9999058].
	The assumed annual net return rate factor for [5.0%] per year is [0.9998663].
	If the portion of a Variable Annuity payment for
	any Fund is not to decrease, the Annuity return
	factor under the Separate Account for that Fund
	must be:
	(a)	[4.75%] on an annual basis plus an annual return of up to [0.25%] to offset the administrative
		charge set at the time Annuity payments commence if an assumed annual net return rate of [3.5%]
		is chosen; or
	(b)	[6.25%] on an annual basis plus an annual return of up to [0.25%] to offset the administrative
		charge set at the time Annuity payments commence, if an assumed annual net return rate of [5%]
		is chosen.

Fixed Annuity

• ------------------------------- -----------------------------------------------------------------------------------------------

Minimum Guaranteed Interest Rate: </TABLE> [3.0%] (effective annual rate of return)

See 1. GENERAL DEFINITIONS for explanations.

MP2CERT(5/97)-2

5

<PAGE>

Contract Schedule I
Accumulation Period

<TABLE>
<CAPTION>
Separate Account

• -------------------------------- ----------------------------------------------------------------------------------------------

<S>	<C>
Separate Account:	Variable Annuity Account I
Charges to Separate Account:	A daily charge is deducted from any portion of the Current Value allocated to the Separate Account.
	The deduction is the daily equivalent of the annual effective percentage shown in the following
	chart:	__		__
	Mortality Risk Charge	|	0.35%	|
	Expense Risk Charge	|	0.90%	|
	Total Separate Account	|	-----	|
	Charges	|	1.25%	|
		|_		_|

AICA Guaranteed Account (AG Account)

- -------------------------------------------------------------------------------------------------------------------------------

Minimum Guaranteed Interest Rate: [3.0%] (effective annual rate of return)

Separate Account and AG Account

- -------------------------------------------------------------------------------------------------------------------------------

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	Page 5 of 24
Transfers:	An unlimited number of Transfers are allowed during the Accumulation Period. Aetna allows [12] free Transfers in any calendar year. Thereafter, Aetna reserves the right to charge [$10] for each subsequent Transfer.
Maintenance Fee:	The annual Maintenance Fee is [$30]. If the Account's Current Value is $50,000 or more on the date the Maintenance Fee is to be deducted, the Maintenance Fee is [$0].
Annual Waiver of Surrender Fee:	As provided in 3.14 (d), the amount that may be withdrawn without a surrender fee cannot exceed [10%] of the Current Value calculated on the date Aetna receives a surrender request in good order at its Home Office.

MP2CERT(5/97)-3

3

<PAGE>

Contract Schedule I (Continued)
Accumulation Period

Separate Account and AG Account (Cont'd)

- -------------------------------------------------------------------------------------------------------------------------------

Surrender Fee: Systematic Withdrawal Option (SWO): </TABLE> The Surrender Fee does not apply to this Contract. The specified payment or specified percentage may not be greater than [10%] of the Account's Current Value at time of election.

See 1. GENERAL DEFINITIONS for explanations.

MP2CERT(5/97)-3

4

<PAGE>

Contract Schedule II
Annuity Period

<TABLE>
<CAPTION>
Separate Account

• ------------------------------ ------------------------------------------------------------------------------------------------

<S>	<C>
Charges to Separate Account:	A daily charge at an annual effective rate of [1.25%] for Annuity mortality and expense
	risks. The administrative charge is established upon election of an Annuity option. This
	charge will not exceed [0.25%].
Variable Annuity Assumed	If a Variable Annuity is chosen, an assumed annual net return rate of [5.0%] may be elected.
Annual Net Return Rate:	If [5.0%] is not elected, Aetna will use an assumed annual net return rate of [3.5%].
	The assumed annual net return rate factor for [3.5%] per year is [0.9999058].
	The assumed annual net return rate factor for [5.0%] per year is [0.9998663].
	If the portion of a Variable Annuity payment for any Fund is not to decrease, the Annuity return
	factor under the Separate Account for that Fund must be:
	(a)	[4.75%] on an annual basis plus an annual return of up to [0.25%] to offset the administrative
		charge set at the time Annuity payments commence if an assumed annual net return rate of [3.5%]
		is chosen; or
	(b)	[6.25%] on an annual basis plus an annual return of up to [0.25%] to offset the administrative
		charge set at the time Annuity payments commence, if an assumed annual net return rate of [5%]
		is chosen.

Fixed Annuity

- ------------------------------ ------------------------------------------------------------------------------------------------</TABLE>

Minimum Guaranteed Interest Rate: [3.0%] (effective annual rate of return)

See 1. GENERAL DEFINITIONS for explanations.

MP2CERT(5/97)-3

5

<PAGE>

TABLE OF CONTENTS

I.	GENERAL DEFINITIONS
-	---------------------------------------------------------------------------

		Page
1.01	Account	8
1.02	Accumulation Period	8
1.03	Adjusted Current Value	8
1.04	AICA Guaranteed Account (AG Account)	8
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1.05	Annuitant	8
1.06	Annuity	8
1.07	Beneficiary	8
1.08	Certificate Holder	8
1.09	Code	8
1.10	Contract	8
1.11	Contract Holder	9
1.12	Current Value	9
1.13	Deposit Period	9
1.14	Dollar Cost Averaging	9
1.15	Fixed Annuity	9
1.16	Fund(s)	9
1.17	General Account	9
1.18	Guaranteed Rates -- AG Account	9
1.19	Guaranteed Term	10
1.20	Guaranteed Term(s) Groups	10
1.21	Maintenance Fee	10
1.22	Market Value Adjustment (MVA)	10
1.23	Matured Term Value	10
1.24	Matured Term Value Transfer	10
1.25	Maturity Date	10
1.26	Net Purchase Payment(s)	11
1.27	Nonunitized Separate Account	11
1.28	Purchase Payment(s)	11
1.29	Reinvestment	11
1.30	Separate Account	11
1.31	Surrender Value	11
1.32	Transfers	12
1.33	Valuation Period (Period)	12
1.34	Variable Annuity	12

II.	GENERAL PROVISIONS
-	---------------------------------------------------------------------------

2.01	Change of Contract	12
2.02	Change of Fund(s)	13
2.03	Nonparticipating Contract	13
MP2CERT(5/97)

6

<PAGE>

		Page
2.04	Payments and Elections	13
2.05	State Laws	14
2.06	Control of Contract	14
2.07	Designation of Beneficiary	14
2.08	Misstatements and Adjustments	14
2.09	Incontestability	14
2.10	Grace Period	15
2.11	Individual Certificates	15

III.	PURCHASE PAYMENT, CURRENT VALUE, AND SURRENDER PROVISIONS
-	---------------------------------------------------------------------------

3.01	Net Purchase Payment	15
3.02	Certificate Holder's Account	15
3.03	Fund(s) Record Units -- Separate Account	15
3.04	Net Return Factor(s) -- Separate Account	16
3.05	Fund Record Unit Value -- Separate Account	16
3.06	Market Value Adjustment	16
3.07	Transfer of Current Value from the Funds or AG Account
	During the Accumulation Period	18
3.08	Notice to the Certificate Holder	19
3.09	Loans	19
3.10	Systematic Distribution Options	19
3.11	Death Benefit Amount	19
3.12	Death Benefit Options Available to Beneficiary	21
3.13	Liquidation of Surrender Value	23
3.14	Surrender Fee	23
3.15	Payment of Surrender Value	24
3.16	Payment of Adjusted Current Value	24

IV.	ANNUITY PROVISIONS
-	---------------------------------------------------------------------------

4.01	Choices	24
4.02	Terms of Annuity Options	25
4.03	Death of Annuitant/Beneficiary	26
4.04	Fund(s) Annuity Units -- Separate Account	27
4.05	Fund(s) Annuity Unit Value -- Separate Account	28
4.06	Annuity Net Return Factor(s) -- Separate Account	28
4.07	Annuity Options	29
MP2CERT(5/97)

7

<PAGE>

<TABLE>

I.	GENERAL DEFINITIONS
-	-------------------------------------------------------------------------------------------------------------------------------

<S>		<C>
1.01	Account:	A record established for each Certificate Holder to maintain the value of all
		Net Purchase Payments held on his/her behalf during the Accumulation Period.
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1.02	Accumulation Period:
1.03	Adjusted Current Value:
1.04	AICA Guaranteed Account (AG Account):
1.05	Annuitant:
1.06	Annuity:
1.07	Beneficiary:
1.08	Certificate Holder:
1.09	Code:
1.10	Contract:

MP2CERT(5/97)

8

<PAGE>

1.11	Contract Holder:
1.12	Current Value:
1.13	Deposit Period:

1.14	Dollar Cost Averaging:
1.15	Fixed Annuity:
1.16	Fund(s):
1.17	General Account:
1.18	Guaranteed Rates -- AG Account:

MP2CERT(5/97)

<PAGE>

9

Page 7 of 24

The period during which the Net Purchase Payment(s) are applied to an Account to provide future Annuity payment(s).

The Current Value of an Account plus or minus any aggregate AG Account MVA, if applicable. (See 1.22)

An accumulation option where Aetna guarantees stipulated rate(s) of interest for specified periods of time. All assets of Aetna, including amounts in the Nonunitized Separate Account, are available to meet the guarantees under the AG Account.

The person whose life is measured for purposes of the guaranteed death benefit and the duration of Annuity payments under this Contract.

Payment of an income:

(a) For the life of one or two persons;

(b) For a stated period; or

(c) For some combination of (a) and (b).

The individual or estate entitled to receive any death benefit due under the Contract. If the Account is held by joint Certificate Holders, the survivor will be deemed the designated Beneficiary and any other Beneficiary on record will be treated as the contingent Beneficiary.

A person who purchases an interest in this Contract as evidenced by a certificate. Aetna reserves the right to limit ownership to natural persons. If more than one Certificate Holder owns an Account, each Certificate Holder will be a joint Certificate Holder. Any joint Certificate Holder must be the spouse of the other joint Certificate Holder. Joint Certificate Holders have joint ownership rights and both must authorize exercising any ownership rights unless Aetna allows otherwise.

The Internal Revenue Code of 1986, as it may be amended from time to time.

This agreement between Aetna and the Contract Holder.

The entity to which the Contract is issued.

As of the most recent Valuation Period, the Net Purchase Payment and any additional amount deposited pursuant to 3.11 plus any interest added to the portion allocated to the AG Account; and plus or minus the investment experience of the portion allocated to the Funds since deposit; less all Maintenance Fees deducted, any amounts surrendered and any amounts applied to an Annuity.

A day, a calendar week, a calendar month, a calendar quarter, or any other period of time specified by Aetna during which Net Purchase Payment(s), Transfers and Reinvestments may be allocated to one or more AG Account Guaranteed Terms. Aetna reserves the right to shorten or to extend the Deposit Period.

During a Deposit Period, Aetna may offer any number of Guaranteed Terms and more than one Guaranteed Term of the same duration may be offered.

A program that permits the Certificate Holder to systematically transfer amounts from any of the Funds or an available AG Account Guaranteed Term to any of the Funds. Aetna reserves the right to establish terms and conditions governing Dollar Cost Averaging. Dollar Cost Averaging is not available when an SDO is in effect.

An Annuity with payments that do not vary in amount.

The open-end management investment companies (mutual funds) in which the Separate Account invests.

The Account holding the assets of Aetna, other than those assets held in Aetna's separate accounts.

Aetna will declare the interest rate(s) applicable to a specific Guaranteed Term at the start of the Deposit Period for that Guaranteed Term. The rate(s) are guaranteed by Aetna for the period beginning with the first day of the Deposit Period and ending on the Maturity Date. Guaranteed Rates are credited beginning with the date of allocation. The Guaranteed Rates are annual effective yields. That is, interest is credited daily at a rate that will produce the Guaranteed Rate over the period of a year. No Guaranteed Rate will ever be less than the Minimum Guaranteed Rate shown on Contract Schedule I.

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1.18	Guaranteed Rates -- AG Account (Cont'd):
1.19	Guaranteed Term:

1.20	Guaranteed Term(s) Groups:
1.21	Maintenance Fee:
1.22	Market Value Adjustment (MVA):
1.23	Matured Term Value:
1.24	Matured Term Value Transfer:
1.25	Maturity Date:

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For Guaranteed Terms of one year or less, one Guaranteed Rate is credited for the full Guaranteed Term. For longer Guaranteed Terms, an initial Guaranteed Rate is credited from the date of deposit to the end of a specified period within the Guaranteed Term. There may be different Guaranteed Rate(s) declared for subsequent specified time intervals throughout the Guaranteed Term.

The period of time specified by Aetna for which a specific Guaranteed Rate(s) is offered on amounts invested during a specific Deposit Period. Guaranteed Terms are made available subject to Aetna's terms and conditions, including, but not limited to, Aetna's right to restrict allocations to new Net Purchase Payments (such as by prohibiting Transfers into a particular Guaranteed Term from any other Guaranteed Term or from any of the Funds, or by prohibiting Reinvestment of a Matured Term Value to a particular Guaranteed Term. More than one Guaranteed Term of the same duration may be offered during a Deposit Period.

All AG Account Guaranteed Term(s) of the same duration (from the close of the Deposit Period until the designated Maturity Date).

The Maintenance Fee (see Contract Schedule I) will be deducted during the Accumulation Period from the Current Value on each anniversary of the date the Account is established and upon surrender of the entire Account.

An adjustment that may apply to an amount withdrawn or transferred from an AG Account Guaranteed Term prior to the end of that Guaranteed Term. The adjustment reflects the change in the value of the investment due to changes in interest rates since the date of deposit and is computed using the formula given in 3.06. The adjustment is expressed as a percentage of each dollar being withdrawn.

The amount payable on an AG Account Guaranteed Term's Maturity Date.

During the calendar month following an AG Account Maturity Date, the Certificate Holder may notify Aetna's home office in writing to Transfer or surrender all or part of the Matured Term Value, plus interest at the new Guaranteed Rate accrued thereon, from the AG Account without an MVA. This provision only applies to the first such written request received from the Certificate Holder during this period for any Matured Term Value.

The last day of an AG Account Guaranteed Term.

1.26	Net Purchase Payment(s):	The Purchase Payment less premium taxes, as applicable.
1.27	Nonunitized Separate Account:	A separate account set up by Aetna under Title 38, Section 38a-433, of the
		Connecticut General Statutes, that holds assets for AG Account Terms. There
		are no discrete units for this Account. The Certificate Holder does not
		participate in the investment gain or loss from the assets held in the
		Nonunitized Separate Account. Such gain or loss is borne entirely by Aetna.
		These assets may be chargeable with liabilities arising out of any other
		business of Aetna.
1.28	Purchase Payment(s):	Payment(s) accepted by Aetna at its home office. Aetna reserves the right to
		refuse to accept any Purchase Payment at any time for any reason. No advance
		notice will be given to the Contract Holder or Certificate Holder.
1.29	Reinvestment:	Aetna will mail a notice to the Certificate Holder at least 18 calendar days
		before a Guaranteed Term's Maturity Date. This notice will contain the Terms
		available during the current Deposit Periods with their Guaranteed Rate(s) and
		projected Matured Term Value. If no specific direction is given by the
		Certificate Holder prior to the Maturity Date, each Matured Term Value will be
		reinvested in the current Deposit Period for a Guaranteed Term of the same
		duration. If a Guaranteed Term of the same duration is unavailable, each
		Matured Term Value will automatically be reinvested in the current Deposit
		Period for the next shortest Guaranteed Term available. If no shorter
		Guaranteed Term is available, the next longer Guaranteed Term will be used.
		Aetna will mail a confirmation statement to the Certificate Holder the next
		business day after the Maturity Date. This notice will state the Guaranteed
		Term and Guaranteed Rate(s) which will apply to the reinvested Matured Term
		Value.
1.30	Separate Account:	A separate account that buys and holds shares of the Fund(s). Income, gains or
		losses, realized or unrealized, are credited or charged to the Separate Account
		without regard to other income, gains or losses of Aetna. Aetna owns the
		assets held in the Separate Account and is not a trustee as to such amounts.
		This Separate Account generally is not guaranteed and is held at market value.
		The assets of the Separate Account, to the extent of reserves and other
		contract liabilities of the Account, shall not be charged with other Aetna
		liabilities.
1.31	Surrender Value:	The amount payable by Aetna upon the surrender of any portion of an Account.
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1.32	Transfers:	The movement of invested amounts among the available Fund(s) and/or any AG
		Account Guaranteed Term made available subject to terms and conditions
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		established by Aetna during the Accumulation Period or, during the Annuity
		Period, among the available Funds under a Variable Annuity.
1.33	Valuation Period (Period):	The period of time for which a Fund determines its net asset value, usually
		from 4:15 p.m. Eastern time each day the New York Stock Exchange is open until
		4:15 p.m. the next such day, or such other day that one or more of the Funds
		determines its net asset value.
1.34	Variable Annuity:	An Annuity with payments that vary with the net investment results of one or
		more Funds under the Separate Account.
II.	GENERAL PROVISIONS

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2.01	Change of Contract:	Only an authorized officer of Aetna may change the terms of this Contract.
		Aetna will notify the Contract Holder in writing at least 30 days before the
		effective date of any change. Any change will not affect the amount or terms
		of any Annuity which begins before the change.
		Aetna reserves the right to refuse to accept any Purchase Payment at any time for any
		reason. This applies to an initial Purchase Payment to establish a new Account or to
		subsequent Purchase Payments to existing Accounts under the Contract. No advance
		notice will be given to the Contract Holder or Certificate Holder.
		Aetna may make any change that affects the AG Account Market Value Adjustment (3.06)
		with at least 30 days' advance written notice to the Contract Holder and the
		Certificate Holder. Any such change shall become effective for any new Term and will
apply to all present and future Accounts.
		Any change that affects any of the following under this Contract will not apply to
		Accounts in existence before the effective date of the change:
		(a)	Net Purchase Payment (1.26)
		(b)	AG Account Guaranteed Rate (1.18)
		(c)	Net Return Factor(s) -- Separate Account (3.04)
		(d)	Current Value (1.12)
		(e)	Surrender Value (1.31)
		(f)	Fund(s) Annuity Unit Value -- Separate Account (4.05)
		(g)	Annuity options (4.07)
		(h)	Fixed Annuity Interest Rates (4.01)
		(i)	Transfers (1.32).
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2.01	Change of Contract (Cont'd):	Any change that affects the Annuity options and the tables for the options may
		be made:
		(a)	No earlier than 12 months after the effective date of this Contract;
			and

2.02 Change of Fund(s):

2.03	Nonparticipating Contract:
2.04	Payments and Elections:

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(b) No earlier than 12 months after the effective date of any prior change.

Any Account established on or after the effective date of any change will be subject to the change. If the Contract Holder does not agree to any change under this provision, no new Accounts may be established under this Contract. This Contract may also be changed as deemed necessary by Aetna to comply with federal or state law.

The assets of the Separate Account are segregated by Fund. If the shares of any Fund are no longer available for investment by the Separate Account or if in our judgment, further investment in such shares should become inappropriate in view of the purpose of the Contract, Aetna may cease to make such Fund shares available for investment under the Contract prospectively, or Aetna may substitute shares of another Fund for shares already acquired. Aetna may also, from time to time, add additional Funds. Any elimination, substitution or addition of Funds will be done in accordance with applicable state and federal securities laws. Aetna reserves the right to substitute shares of another Fund for shares already acquired without a proxy vote.

The Contract Holder, Certificate Holders or Beneficiaries will not have a right to share in the earnings of Aetna.

While the Certificate Holder is living, Aetna will pay the Certificate Holder any Annuity payments as and when due. After the Certificate Holder's death, or at the death of the first Certificate Holder if the Account is owned jointly, any Annuity payments required to be made will be paid in accordance with 4.03. Aetna will determine other payments and/or elections as of the end of the Valuation Period in which the request is received at its home office. Such payments will be made within seven calendar days of receipt at its home office of a written claim for payment which is in good order, except as provided in 3.15.

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2.05	State Laws:
2.06	Control of Contract:

2.07 Designation of Beneficiary:

2.08	Misstatements and Adjustments:
2.09	Incontestability:

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The Contract and the Certificates comply with the laws of the state in which they are delivered. Any surrender, death, or Annuity payments are equal to or greater than the minimum required by such laws. Annuity tables for legal reserve valuation shall be as required by state law. Such tables may be different from Annuity tables used to determine Annuity payments.

This is a Contract between the Contract Holder and Aetna. The Contract Holder has title to the Contract. Contract Holder rights are limited to accepting or rejecting Contract modifications. The Certificate Holder has all other rights to amounts held in his or her Account.

Each Certificate Holder shall own all amounts held in his or her Account. Each Certificate Holder may make any choices allowed by this Contract for his or her Account. Choices made under this Contract must be in writing. If the Account is owned jointly, both Certificate Holders must authorize any Certificate Holder change in writing. Until receipt of such choices at Aetna's home office, Aetna may rely on any previous choices made.

The Contract is not subject to the claims of any creditors of the Contract Holder or the Certificate Holder, except to the extent permitted by law.

The Certificate Holder may assign or transfer his or her rights under the Contract. Aetna reserves the right not to accept assignment or transfer to a nonnatural person. Any assignment or transfer made must be submitted to Aetna's home office in writing and will not be effective until accepted by Aetna.

Each Certificate Holder shall name his or her Beneficiary. If the Account is owned jointly, both joint Certificate Holders must agree in writing to the Beneficiary designated. The Beneficiary may be changed at any time. Changes to a Beneficiary must be submitted to Aetna's home office in writing and will not be effective until accepted by Aetna. If the Account is owned jointly, at the death of one joint Certificate Holder, the survivor will be deemed the Beneficiary; any other Beneficiary on record will be deemed a contingent Beneficiary.

If Aetna finds the age of any Annuitant to be misstated, the correct facts will be used to adjust payments.

Aetna cannot cancel this Contract because of any error of fact.

2.10	Grace Period:	This Contract will remain in effect even if Purchase Payments are not continued
		except as provided in the Payment of Adjusted Current Value provision (see
		3.17).
2.11	Individual Certificates:	Aetna shall issue a certificate to each Certificate Holder. The certificate
		will summarize certain provisions of the Contract. Certificates are for
		information only and are not a part of the Contract.
III.	PURCHASE PAYMENT, CURRENT VALUE, AND SURRENDER PROVISIONS

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3.01	Net Purchase Payment:	This amount is the actual Purchase Payment less any premium tax.	Aetna
		reserves the right to pay premium taxes when due and deduct the amount from the
		Current Value when we pay the tax or at a later date.
		Each Net Purchase payment will be allocated, as directed by the Certificate Holder
		among:

3.02	Certificate Holder's Account:
3.03	Fund(s) Record Units -- Separate Account:

(a) AG Account Guaranteed Terms made available subject to terms and conditions established by Aetna; and

(b) The Fund(s) in which the Separate Account invests.

For each Net Purchase Payment, the Certificate Holder shall tell Aetna the percentage of each Purchase Payment to allocate to any available AG Account Guaranteed Terms and/or each Fund. Unless different allocation instructions are received for any subsequent Net Purchase Payment, the allocation will be the same as for the initial Net Purchase Payment. If the same Guaranteed Term is no longer available, the Net Purchase Payment will be allocated to the next shortest Guaranteed Term available in the current Deposit Period. If no shorter Guaranteed Term is available, the next longer Guaranteed Term will be used.

Aetna will maintain an Account for each Certificate Holder.

Aetna will declare from time to time the acceptability and the minimum amount for additional Purchase Payments.

The portion of the Net Purchase Payment(s) applied to each Fund under the Separate Account will determine the number of Fund record units for that Fund. This number is equal to the portion of the Net Purchase Payment(s) applied to each Fund divided by the Fund record unit value (see 3.05) for the Valuation Period in which the Purchase Payment is received in good order at Aetna's home office.

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3.04      Net Return Factor(s) -- Separate Account:

3.05 Fund Record Unit Value -- Separate Account:

3.06 Market Value Adjustment:

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3.06      Market Value Adjustment (Cont'd):

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The net return factor(s) are used to compute all Separate Account record units for any Fund.

The net return factor(s) for each Fund is equal to 1.0000000 plus the net return rate.

The net return rate is equal to:

(a) The value of the shares of the Fund held by the Separate Account at the end of the Valuation Period; minus

(b) The value of the shares of the Fund held by the Separate Account at the start of the Valuation Period; plus or minus

(c) Taxes (or reserves for taxes) on the Separate Account (if any); divided by

(d) The total value of the Fund(s) record units and Fund(s) annuity units of the Separate Account at the start of the Valuation Period; minus

(e) A daily Separate Account charge at an annual rate as shown on Contract Schedule I for mortality and expense risks, which may include profit; and a daily administrative charge.

A net return rate may be more or less than 0%. The value of a share of the Fund is equal to the net assets of the Fund divided by the number of shares outstanding.

A Fund record unit value is computed by multiplying the net return factors for the current Valuation Period by the Fund record unit value for the previous Period. The dollar value of Fund record units, Separate Account assets, and Variable Annuity payments may go up or down due to investment gain or loss.

An MVA will apply to any withdrawal from the AG Account before the end of a Guaranteed Term when the withdrawal is:

(a) A Transfer; except for Transfers under the Dollar Cost Averaging program or, as specified in 1.24 Matured Term Value Transfer;

(b) A full or partial surrender (including a free withdrawal under 3.14); except for a payment made (1) under an SDO (see 3.10), or (2) under a qualified Contract, when the amount withdrawn is equal to the required minimum distribution for the Account calculated using a method permitted under the Code and agreed to by Aetna; or

(c) Due to election of an Annuity (see 4.07).

Full and partial surrenders and Transfers made within six months after the date of the Annuitant's death will be the greater of:

(a) The aggregate MVA amount which is the sum of all market value adjusted amounts calculated due to a withdrawal of amounts. This total may be greater or less than the Current Value of those amounts; or

(b) The applicable portion of the Current Value in the AG Account.

After the six-month period, the surrender or Transfer will be the aggregate MVA amount, which may be greater or less than the Current Value of those amounts.

The greater of the aggregate MVA amount or the applicable portion of the Current Value applies to amounts withdrawn from the AG Account on account of an election of Annuity options 2 or 3 (see 4.07).

Market value adjusted amounts will be equal to the amount withdrawn multiplied by the following ratio:

	( 1 + j )
Where:
i	is the Deposit Period Yield
j	is the Current Yield
x	is the number of days remaining, (computed from Wednesday of the week of
	withdrawal) in the Guaranteed Term.
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3.07 Transfer of Current Value from the Funds or AG Account During the Accumulation Period:

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3.08 Notice to the Certificate Holder:

3.09	Loans:
3.10	Systematic Distribution Options:

Page 12 of 24

The Deposit Period Yield will be determined as follows:

(a) At the close of the last business day of each week of the Deposit Period, a yield will be computed as the average of the yields on that day of U.S.

Treasury Notes which mature in the last three months of the Guaranteed Term.

(b) The Deposit Period Yield is the average of those yields for the Deposit Period. If withdrawal is made before the close of the Deposit Period, it is the average of those yields on each week preceding withdrawal.

The Current Yield is the average of the yields on the last business day of the week preceding withdrawal on the same U.S. Treasury Notes included in the Deposit Period Yield.

In the event that no U.S. Treasury Notes which mature in the last three months of the Guaranteed Term exist, Aetna reserves the right to use the U.S. Treasury Notes that mature in the following quarter.

Before an Annuity option is elected, all or any portion of the Adjusted Current Value of the Certificate Holder's Account may be transferred from any Fund or Guaranteed Term of the AG Account:

(a) To any other Fund; or

(b) To any Guaranteed Term of the AG Account made available subject to terms and conditions specified by Aetna in the current Deposit Period.

Transfer requests can be submitted as a percentage or as a dollar amount. Aetna may establish a minimum transfer amount. Within a Guaranteed Term Group, the amount to be surrendered or transferred will be withdrawn first from the oldest Deposit Period, then from the next oldest, and so on until the amount requested is satisfied.

The Certificate Holder may make an unlimited number of Transfers during the Accumulation Period. The number of free Transfers allowed by Aetna is shown on Contract Schedule I. Additional Transfers may be subject to a Transfer fee as shown on Contract Schedule I.

Amounts transferred from the AG Account under the Dollar Cost Averaging program, or amounts transferred as a Matured Term Value on or within one calendar month of a Term's Maturity Date do not count against the annual Transfer limit.

Amounts allocated to AG Account Guaranteed Terms may not be transferred to the Funds or to another Guaranteed Term during a Deposit Period or for 90 days after the close of a Deposit Period except for (1) Matured Term Value(s) during the calendar month following the Term's Maturity Date; (2) amounts used as a premium for an Annuity option; (3) amounts transferred under the Dollar Cost Averaging program; and (4) amounts distributed under the Systematic Withdrawal Option.

The Certificate Holder will receive quarterly statements from Aetna of:

(a) The value of any amounts held in:

(1)	The AG Account; and
(2)	The Fund(s) under the Separate Account.

(b) The number of any Fund(s) record units; and

(c) The Fund(s) record unit value.

Such number or values will be as of a specific date no more than 60 days before the date of the notice.

Loans are not available under this Contract.

Aetna may, from time to time, make one or more systematic distribution options (SDOs) available during the Accumulation Period. When an SDO is elected, Aetna will make automatic payments from the Certificate Holder's Account. No Surrender Fee or MVA will apply to the automatic payments made under an SDO.

Any SDO will be subject to the following criteria:

(a)	Any SDO will be available to similarly situated contracts uniformly,
	and on the basis of objective criteria consistently applied;
(b)	The availability of any SDO may be limited by terms and conditions
	applicable to the election of such SDO; and
(c)	Aetna may discontinue the availability of an SDO at any time. Except to the
	extent required to comply with applicable law, discontinuance of an SDO will
	apply only to future elections and will not affect SDOs in effect at the time
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3.11 Death Benefit Amount:

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3.11 Death Benefit Amount (Cont'd):

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3.12	Death Benefit Options Available to
	Beneficiary:

Page 13 of 24

an option is discontinued.

If the Certificate Holder or Annuitant dies before Annuity payments start, the Beneficiary is entitled to a death benefit under the Account. If the Account is owned jointly, the death benefit is paid at the death of the first joint Certificate Holder to die. The claim date is the date when proof of death and the Beneficiary's claim are received in good order at Aetna's home office. The amount of the death benefit is determined as follows:

(a) Death of Annuitant: The guaranteed death benefit is the greatest of:

(1)	The sum of all Purchase Payment(s) made to the Account (as of the date of death) minus the sum of all amounts surrendered, applied to an Annuity, or deducted from the Account;
(2)	The highest step up value, as of the date of death, prior to the Annuitant's 75th birthday. A step-up value is determined on each anniversary of the Effective Date. Each step-up value is calculated as the Account's Current Value on the Effective Date anniversary, increased by the amount of any Purchase Payment(s) made, and decreased by the sum of all amounts surrendered, deducted, and/or applied to an Annuity option since the Effective Date anniversary.
(3)	The Account's Current Value as of the date of death.

The excess, if any, of the guaranteed death benefit value over the Account's Current Value is determined as of the date of death. Any excess amount will be deposited to the Account and allocated to Aetna Variable Encore Fund as of the claim date. The Current Value on the claim date plus any excess amount deposited becomes the Account's Current Value.

(b) Death of the Certificate Holder if the Certificate Holder is not the Annuitant: The death benefit amount is the Account's Adjusted Current Value on the claim date. A Surrender Fee may apply to any full or partial surrender (see 3.14 and Contract Schedule I).

(c) Death of spousal Beneficiary who continued the Account: The death benefit amount equals the Account's Adjusted Current Value on the claim date, less any applicable Surrender Fee (see 3.14 and Contract Schedule I) on Purchase Payments made since the death of the Annuitant.

(d) Death of the spousal beneficiary of a Certificate Holder who was not the Annuitant and who continued the Account: The death benefit amount equals the Account's Adjusted Current Value on the claim date. A Surrender Fee may apply to any full or partial surrender (see 3.14 and Contract Schedule I).

Prior to any election, or until amounts must be otherwise distributed under this section, the Current Value will be retained in the Account. The Beneficiary has the right to allocate or reallocate any amount to any of the available investment options (subject to an MVA if applicable). The following options are available to the Beneficiary:

(a) When the Certificate Holder is the Annuitant if the Annuitant dies (or when the Certificate Holder is a nonnatural person if the Annuitant dies):

(1) If the Beneficiary is the surviving spouse, the spousal Beneficiary will be the successor Certificate Holder and may exercise all Certificate Holder rights under the Contract and continue in the Accumulation Period, or may elect (i) or (ii) below.

Under the Code, distributions from the Account are not required until the spousal Beneficiary's death. The spousal Beneficiary may elect to:

	(i)	Apply some or all of the Adjusted Current Value to an Annuity
		option (see 4.07);
	(ii)	Receive, at any time, a lump sum payment equal to the Adjusted
		Current Value of the Account.
(2)	If the Beneficiary is other than the surviving spouse, options (i) or
	(ii) above apply. Any portion of the Adjusted Current Value not
	applied to an Annuity option within one year of the death must be
	distributed within five years of the date of death.
(3)	If no Beneficiary exists, a lump sum payment equal to the Adjusted
	Current Value must be made to the Annuitant's estate within five years
	of the date of death.
(4)	If the Beneficiary is an entity, a lump sum payment equal to the
	Adjusted Current Value must be made within five years of the date of
	death.
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3.12      Death Benefit Options Available to Beneficiary (Cont'd):

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3.13 Liquidation of Surrender Value:

3.14      Surrender Fee:

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(b) When the Certificate Holder is not the Annuitant when the Certificate Holder dies:

(1)	If the Beneficiary is the Certificate Holder's surviving spouse, the
	spousal	Beneficiary will be the successor Certificate Holder and may
	exercise	all Certificate Holder rights under the Contract and continue
	in	the Accumulation Period, or may elect (i) or (ii), below. Under the
	Code,	distributions from the Account are not required until the
	spousal	Beneficiary's death. The spousal Beneficiary may elect to:
	(i)	Apply some or all of the Adjusted Current Value to Annuity option 2 or 3 (see 4.07);
	(ii)	Receive, at any time, a lump sum payment equal to the Surrender Value.
(2)	If the Beneficiary is other than the Certificate Holder's surviving
	spouse,	options (i) or (ii) under (1) above apply. Any portion of the
	death	benefit not applied to an Annuity option within one year of the
	Certificate	Holder's death must be distributed within five years of
	the	date of death.
(3)	If no Beneficiary exists, a lump sum payment equal to the Surrender
	Value	must be made to the Certificate Holder's estate within five
	years	of the date of death.
(4)	If the Beneficiary is an entity, a lump sum payment equal to the
	Surrender	Value must be made within five years of the date of death.

(c) When the Certificate Holder is a natural person and not the Annuitant, when the Annuitant dies, the Beneficiary (or the Certificate Holder if no Beneficiary exists) may elect to:

(i)	Apply all or some of the Adjusted Current Value to an Annuity option within 60 days of the date of death; or
(ii)	Receive a lump sum payment equal to the Adjusted Current Value.

All or any portion of the Account's Current Value may be surrendered at any time. Surrender requests can be submitted as a percentage of the Account value or as a specific dollar amount. Net Purchase Payment amounts are withdrawn first, and then the excess value, if any. For any partial surrender, amounts are withdrawn on a pro rata basis from the Fund(s) and/or the Guaranteed Term(s) Groups of the AG Account in which the Current Value is invested. Within a Guaranteed Term Group, the amount to be surrendered or transferred will be withdrawn first from the oldest Deposit Period, then from the next oldest, and so on until the amount requested is satisfied.

After deduction of the Maintenance Fee, if applicable, the surrendered amount shall be reduced by a Surrender Fee, if applicable. An MVA may apply to amounts surrendered from the AG Account.

The Surrender Fee only applies to the Net Purchase Payment(s) portion surrendered and varies according to the elapsed time since deposit (see Contract Schedule I). Net Purchase Payment amounts are withdrawn in the same order they were applied.

No Surrender Fee is deducted from any portion of the Current Value which is paid:

(a) To a Beneficiary due to the Annuitant's death before Annuity payments start, up to a maximum of the aggregate Net Purchase Payment(s) minus the total of all partial surrenders, amounts applied to an Annuity and deductions made prior to the Annuitant's date of death;

(b) As a premium for an Annuity option (see 4.07);

(c) As a distribution under a systematic distribution option (see 3.10);

(d) At least 12 months after the date of the first Purchase Payment to the Account, in an amount not to exceed the amount shown on Contract Schedule I under Annual Waiver of Surrender Fee. This waiver of the Surrender Fee applies to the first full or partial surrender in the calendar year. This waiver is not available if a systematic distribution option has been in effect at any time during the calendar year.

(e) For a full surrender of the Account where the Current Value of the Account is $2,500 or less and no surrenders have been taken from the Account within the prior 12 months;

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<PAGE>

3.14 Surrender Fee (Cont'd):

3.15      Payment of Surrender Value:

3.16 Payment of Adjusted Current Value:

Page 15 of 24

(f) By Aetna under 3.16; or

(g) If the Annuitant has spent at least 45 consecutive days in a licensed nursing care facility and each of the following conditions are met:

(1)	more than one calendar year has elapsed since the date the certificate was issued; and
(2)	the surrender is requested within 3 years of admission to a licensed nursing care facility.

This waiver does not apply if the Annuitant was in a nursing care facility at the time the certificate was issued.

(h) Under a qualified Contract when the amount withdrawn is equal to the minimum distribution required by the Code for the Account calculated using a method permitted under the Code and agreed to by Aetna.

Under certain emergency conditions, Aetna may defer payment:

(a) For a period of up to 6 months (unless not allowed by state law); or

(b) As provided by federal law.

Upon 90 days' written notice to the Certificate Holder, Aetna will terminate any Account if the Current Value becomes less than $2,500 immediately following any partial surrender. Aetna does not intend to exercise this right in cases where an Account Current Value is reduced to $2,500 or less solely due to investment performance. A Surrender Fee will not be deducted from the Adjusted Current Value.

IV.	ANNUITY PROVISIONS
-	-------------------------------------------------------------------------------------------------------------------------------

4.01 Choices:

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<PAGE>

4.01 Choices (Cont'd):

4.02      Terms of Annuity Options

The Certificate Holder may tell Aetna to apply any portion of the Adjusted Current Value (minus any premium tax, if applicable,) to any Annuity option (see 4.07). The first Annuity payment may not be earlier than one calendar year after the initial Purchase Payment nor later than the later of:

(a) The first day of the month following the Annuitant's 85th birthday; or

(b) The tenth anniversary of the last Purchase Payment. In lieu of the election of an Annuity, the Certificate Holder may tell Aetna to make a lump sum payment.

24

When an Annuity option is chosen, Aetna must also be told if payments are to be made other than monthly and whether to pay:

(a) A Fixed Annuity using the General Account;

(b) A Variable Annuity using any of the Fund(s) available under this Contract for Annuity purposes; or

(c) A combination of (a) and (b).

If a Fixed Annuity is chosen, the Annuity purchase rate for the option chosen reflects the Minimum Guaranteed Interest Rate (see Contract Schedule II), but may reflect higher interest rates. If a Variable Annuity is chosen, the initial Annuity payment for the option chosen reflects the assumed annual return rate elected. (see Contract Schedule II).

During the Annuity Period when a Variable Annuity has been elected, at the request of the Certificate Holder, all or any portion of the amount allocated to a Fund may be transferred to any other Fund available during the Annuity Period. Four transfers, without charge, are allowed each calendar year. Aetna reserves the right to change the number of transfers allowed.

Transfer requests must be expressed as a percentage of the allocation among the Funds of the amount upon which the Variable Annuity will be based. Aetna reserves the right to establish a minimum transfer amount. Transfers will be effective as of the Valuation Period in which Aetna receives a transfer request in good order at its Home Office.

(a) When payments start, the age of the Annuitant plus the number of years for which payments are guaranteed must not exceed 95.

(b) An Annuity option may not be elected if the first payment would be less than $50 or if the total payments in a year would be less than $250 (less if required by state law). Aetna reserves the right to increase the minimum first Annuity payment amount and the annual minimum Annuity payment amount based upon increases reflected in the Consumer Price Index-Urban, (CPI-U)

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<PAGE>

4.02      Terms of Annuity Options (Cont'd):

4.03 Death of Annuitant/Beneficiary:

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<PAGE>

4.03      Death of Annuitant/Beneficiary (Cont'd):

4.04      Fund(s) Annuity Units -- Separate Account:

Page 16 of 24

since July 1, 1993.

(c) If a Fixed Annuity is chosen Aetna will use the applicable current settlement rate if it will provide higher Fixed Annuity payments.

(d) For purposes of calculating the guaranteed first payment of a Variable Annuity or the payments for a Fixed Annuity, the Annuitant's and second Annuitant's adjusted age will be used. The Annuitant's and second Annuitant's adjusted age is his or her age as of the birthday closest to the Annuity commencement date reduced by one year for Annuity commencement dates occurring during the period of time from July 1, 1993 through December 31, 1999. The Annuitant's and second Annuitant's age will be reduced by two years for Annuity commencement dates occurring during the period of time from January 1, 2000 through December 31, 2009. The Annuitant's and second Annuitant's age will be reduced by one additional year for Annuity commencement dates occurring in each succeeding decade.

The Annuity purchase rates for options 2 and 3 are based on mortality from 1983 Table a.

(e) Assumed Annual Net Return Rate is the interest rate used to determine the amount of the first Annuity payment under a Variable Annuity as shown on Contract Schedule II. The Separate Account must earn this rate plus enough to cover the mortality and expense risks charges (which may include profit) and administrative charges if future Variable Annuity Payments are to remain level, (see Annuity return factor under Variable Annuity Assumed Annual Net Return Rate on Contract Schedule II).

(f) Once elected, Annuity payments cannot be commuted to a lump sum except for Variable Annuity payments under option 1 (see 4.07). The life expectancy of the Annuitant or the Annuitant and second Annuitant shall be irrevocable upon the election of an Annuity option.

(a) Certificate Holder is Annuitant: When the Certificate Holder is the Annuitant and the Annuitant dies under option 1 or 2, or both the Annuitant and the second Annuitant die under option 3(d), the present value of any remaining guaranteed payments will be paid in one sum to the Beneficiary, or upon election by the Beneficiary, any remaining payments will continue to the Beneficiary. If option 3 has been elected and the Certificate Holder dies, the remaining payments will continue to the successor payee. If no successor payee has been designated, the Beneficiary will be treated as the successor payee.

If the Account has joint Certificate Holder's, the surviving joint Certificate Holder will be deemed the successor payee.

(b) Certificate Holder is Not Annuitant: When the Certificate Holder is not the Annuitant and the Certificate Holder dies, the remaining payments will continue to the successor payee. If no successor payee has been designated, the Beneficiary will be treated as the successor payee. If the Account has joint Certificate Holder's, the surviving joint Certificate Holder will be deemed the successor payee.

If the Annuitant dies under option 1 or 2, or both the Annuitant and the second Annuitant die under option 3(d), the present value of any remaining guaranteed payments will be paid in one sum to the Beneficiary, or upon the election by the Beneficiary, any remaining payments will continue to the Beneficiary. If option 3 has been elected, and the Annuitant dies, the remaining payments will continue to the Certificate Holder.

(c) No Beneficiary Named/Surviving: If there is no Beneficiary, the present value of any remaining payments will be paid in one sum to the Certificate Holder, or if the Certificate Holder is not living, then to the Certificate Holder's estate.

(d) If the Beneficiary or the successor payee dies while receiving Annuity payments, the present value of any remaining guaranteed payments will be paid in one sum to the successor Beneficiary/payee, or upon election by the successor Beneficiary/payee, any remaining payments will continue to the successor Beneficiary/payee. If no successor Beneficiary/payee has been designated, the present value of any remaining guaranteed payments will be paid in one sum to the Beneficiary's/payee's estate.

(e) The present value will be determined as of the Valuation Period in which proof of death acceptable to Aetna and a request for payment is received at Aetna's home office. The interest rate used to determine the first payment will be used to calculate the present value.

The number of each Fund's Annuity Units is based on the amount of the first Variable Annuity payment which is equal to:

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<PAGE>

4.04	Fund(s) Annuity Units -- Separate Account Cont'd):
4.05	Fund(s) Annuity Unit Value -- Separate Account:

4.06      Annuity Net Return Factor(s) -- Separate Account:

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<PAGE>

4.06	Annuity Net Return Factor(s) -- Separate Account (Cont'd):
4.07	Annuity Options:

Page 17 of 24

(a) The portion of the Current Value applied to pay a Variable Annuity (minus any premium tax); divided by

(b) 1,000; multiplied by

(c) The payment rate for the option chosen.

Such amount, or portion, of the variable payment will be divided by the appropriate Fund Annuity unit value (see 4.05) on the tenth Valuation Period before the due date of the first payment to determine the number of each Fund Annuity units. The number of each Fund Annuity units remains fixed. Each future payment is equal to the sum of the products of each Fund Annuity unit value multiplied by the appropriate number of units. The Fund Annuity unit value on the tenth Valuation Period prior to the due date of the payment is used.

For any Valuation Period, a Fund Annuity unit value is equal to:

(a) The value for the previous Period; multiplied by

(b) The Annuity net return factor(s) (see 4.06 below) for the Period; multiplied by

(c) A factor to reflect the assumed annual net return rate (see Contract Schedule II).

The dollar value of a Fund Annuity unit values and Annuity payments may go up or down due to investment gain or loss.

The Annuity net return factor(s) are used to compute all Separate Account Annuity Payments for any Fund.

The Annuity net return factor(s) for each Fund is equal to 1.0000000 plus the net return rate.

The net return rate is equal to:

(a) The value of the shares of the Fund held by the Separate Account at the end of a Valuation Period; minus

(b) The value of the shares of the Fund held by the Separate Account at the start of the Valuation Period; plus or minus

(c) Taxes (or reserves for taxes) on the Separate Account (if any); divided by

(d) The total value of the Fund(s) record units and Fund(s) Annuity units of the Separate Account at the start of the Valuation Period; minus

(e) A daily charge for Annuity mortality and expense risks, which may include profit, and a daily administrative charge (at the annual rate as shown on Contract Schedule II).

A net return rate may be more or less than 0%.

The value of a share of the Fund is equal to the net assets of the Fund divided by the number of shares outstanding.

Payments shall not be changed due to changes due to changes in the mortality or expense results or administrative charges.

Option 1 -- Payments for a Stated Period of Time: Payments are made for the number of years specified by the Certificate Holder. The number of years must be at least five and not more than 30.

Option 2 - Life Income based on the life of one Annuitant: Payments are made until the death of the Annuitant. When this option is elected, the Certificate Holder must also choose one of the following:

(a) payments cease at the death of the Annuitant;

(b) payments are guaranteed for a specified period from five to 30 years;

(c) cash refund: when the Annuitant dies, the Beneficiary will receive a lump sum payment equal to the amount applied to the Annuity option (less any premium tax, if applicable) less the total amount of Annuity payments made prior to such death. This cash refund feature is only available if the total amount applied to the Annuity option is allocated to a Fixed Annuity.

Option 3 -- Life Income Based on the lives of two Annuitants: Payments are made for the lives of two Annuitants, one of whom is designated the second Annuitant, and cease only when both Annuitants have died. When this option is elected, the Certificate

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Holder must also choose one of the following:

(a) 100% of the payment to continue after the first death; (b) 66-2/3% of the payment to continue after the first death; (c) 50% of the payment to continue after the first death;

(d) 100% of the payment to continue after the first death and payments are guaranteed for a period of five to 30 years;

(e) 100% of the payment to continue at the death of the designated second Annuitant and 50% of the payment to continue at the death of the Annuitant; or

(f) 100% of the payment continues after the first death with a cash refund feature. When the Annuitant and designated second Annuitant die, the Beneficiary will receive a lump sum payment equal to the amount applied to the Annuity option (less any premium tax) less the total amount of Annuity payments paid prior to such death. This cash refund feature is only available if the total amount applied to the Annuity option is allocated to a Fixed Annuity.

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<PAGE>

4.07	Annuity Options (Cont'd):	If a Fixed Annuity is chosen under Option 1, Option 2 (a) or (b), or Option 3
		(a) or (d), the Certificate Holder may elect, at the time the Annuity option is
		selected, an annual increase of one, two or three percent compounded annually.
		As allowed under applicable state law, Aetna reserves the right to offer additional
		Annuity options.
</TABLE>

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<PAGE>

OPTION 1: Payments for a Specified Period

- --------------------------------------------------------------------------------Monthly Amount for Each $1,000* Rates for a Fixed Annuity with a 3% Guaranteed Interest Rate - --------------------------------------------------------------------------------

Years Payment Years Payment

• ---------------------- --------------------- --------------------- -------------

5	17.91	18	5.96
6	15.14	19	5.73
7	13.16	20	5.51
8	11.68	21	5.32
9	10.53	22	5.15
10	9.61	23	4.99
11	8.86	24	4.84
12	8.24	25	4.71
13	7.71	26	4.59
14	7.26	27	4.47
15	6.87	28	4.37
16	6.53	29	4.27
17	6.23	30	4.18

- --------------------------------------------------------------------------------

First Month Amount for Each $1,000*

Rates for a Variable Annuity with a 3.5% Assumed Interest Rate

- --------------------------------------------------------------------------------

Years Payment Years Payment

• ---------------------- --------------------- --------------------- -------------

5	18.12	18	6.20
6	15.35	19	5.97
7	13.38	20	5.75
8	11.90	21	5.56
9	10.75	22	5.39
10	9.83	23	5.24
11	9.09	24	5.09
12	8.46	25	4.96
13	7.94	26	4.84
14	7.49	27	4.73
15	7.10	28	4.63
16	6.76	29	4.53
17	6.47	30	4.45

- --------------------------------------------------------------------------------

First Month Amount for Each $1,000*

Rates for a Variable Annuity with a 5% Assumed Interest Rate

- --------------------------------------------------------------------------------

Years Payment Years Payment

• ---------------------- --------------------- --------------------- -------------

5	18.74	18	6.94
6	15.99	19	6.71
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7	14.02	20	6.51
8	12.56	21	6.33
9	11.42	22	6.17
10	10.51	23	6.02
11	9.77	24	5.88
12	9.16	25	5.76
13	8.64	26	5.65
14	8.20	27	5.54
15	7.82	28	5.45
16	7.49	29	5.36
17	7.20	30	5.28

• -------------------------------------------------------------------------------- * Net of any applicable premium tax deduction

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<PAGE>

     Option 2: Life Income Based on the Life of One Annuitant <TABLE> <CAPTION>

- -----------------------------------------------------------------------------------------------------------------------Monthly Payment Amount for Each $1,000* Rates for a Fixed Annuity with 3% Guaranteed Interest Rate - -----------------------------------------------------------------------------------------------------------------------

	Option 2(a):	Option 2(b):	Option 2(b):	Option 2(b):	Option 2(b):	Option 2(c):
	payments for	payments	payments	payments	payments	Cash Refund
	life	guaranteed 5	guaranteed 10	guaranteed 15	guaranteed 20
Adjusted		years	years	years	years

Age of ------------------ ----------------- ------------------ ----------------- ------------------ ------------------Annuitant Male Female Male Female Male Female Male Female Male Female Male Female

• -------- ------- --------- ------- --------- ------- ---------- ------- --------- -------- --------- -------- ---------

<S>	<C>	<C>	<C>	<C>	<C>	<C>	<C>	<C>	<C>	<C>	<C>	<C>
50	$ 4.27	$ 3.90	$ 4.26	$ 3.90	$ 4.22	$ 3.89	$ 4.17	$ 3.86	$ 4.08	$ 3.82	$ 4.04	$ 3.78
51	4.34	3.97	4.33	3.96	4.30	3.95	4.23	3.92	4.14	3.88	4.10	3.84
52	4.43	4.03	4.41	4.03	4.37	4.01	4.30	3.98	4.20	3.93	4.16	3.89
53	4.51	4.10	4.50	4.10	4.45	4.08	4.37	4.04	4.26	3.99	4.23	3.95
54	4.60	4.18	4.59	4.17	4.54	4.15	4.45	4.11	4.32	4.04	4.29	4.01
55	4.70	4.25	4.68	4.25	4.62	4.22	4.53	4.18	4.39	4.11	4.37	4.07
56	4.80	4.34	4.78	4.33	4.72	4.30	4.61	4.25	4.45	4.17	4.44	4.13
57	4.91	4.42	4.89	4.41	4.82	4.38	4.69	4.32	4.51	4.23	4.52	4.20
58	5.03	4.52	5.00	4.51	4.92	4.47	4.78	4.40	4.58	4.30	4.61	4.28
59	5.15	4.61	5.12	4.60	5.03	4.56	4.87	4.48	4.65	4.37	4.69	4.35
60	5.28	4.72	5.25	4.70	5.14	4.66	4.96	4.57	4.71	4.44	4.78	4.43
61	5.43	4.83	5.39	4.81	5.27	4.76	5.06	4.66	4.78	4.51	4.88	4.52
62	5.58	4.95	5.53	4.93	5.39	4.87	5.16	4.75	4.84	4.58	4.98	4.60
63	5.74	5.08	5.69	5.05	5.53	4.98	5.26	4.85	4.90	4.65	5.09	4.70
64	5.91	5.21	5.85	5.18	5.66	5.10	5.36	4.95	4.96	4.72	5.20	4.80
65	6.10	5.36	6.03	5.32	5.81	5.22	5.46	5.05	5.02	4.79	5.31	4.90
66	6.30	5.51	6.21	5.47	5.96	5.36	5.56	5.16	5.08	4.86	5.44	5.01
67	6.51	5.67	6.41	5.63	6.12	5.50	5.66	5.26	5.13	4.93	5.56	5.12
68	6.73	5.85	6.62	5.80	6.28	5.65	5.77	5.37	5.18	5.00	5.70	5.24
69	6.97	6.04	6.84	5.98	6.44	5.80	5.86	5.49	5.23	5.06	5.84	5.37
70	7.23	6.25	7.07	6.18	6.61	5.97	5.96	5.60	5.27	5.12	5.98	5.51
71	7.51	6.47	7.32	6.39	6.79	6.14	6.05	5.71	5.31	5.18	6.14	5.65
72	7.80	6.71	7.58	6.62	6.96	6.32	6.14	5.83	5.34	5.23	6.30	5.80
73	8.12	6.98	7.85	6.86	7.14	6.50	6.23	5.94	5.37	5.28	6.47	5.96
74	8.46	7.26	8.14	7.12	7.32	6.69	6.31	6.04	5.40	5.32	6.65	6.13
75	8.82	7.57	8.45	7.40	7.50	6.89	6.38	6.14	5.42	5.35	6.83	6.31

- -----------------------------------------------------------------------------------------------------------------------</TABLE>

* Net of any applicable premium tax deduction

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<PAGE>

     Option 2: Life Income Based on the Life of One Annuitant <TABLE> <CAPTION>

- ----------------------------------------------------------------------------------------------------------------First Month Payment Amount for Each $1,000* Rates for a Variable Annuity with 3.5% Assumed Interest Rate - ----------------------------------------------------------------------------------------------------------------

			Option 2(b):		Option 2(b):		Option 2(b):		Option 2(b):
	Option 2(a):		payments		payments		payments		payments
Adjusted	payments for life		guaranteed 5 years		guaranteed 10 years		guaranteed 15 years		guaranteed 20 years
Age of	------------------- -------------------- -------------------- -------------------- --------------------
Annuitant	Male	Female	Male	Female	Male	Female	Male	Female	Male	Female

• -------- --------- --------- ---------- --------- ---------- --------- --------- ---------- --------- ----------

<S>	<C>	<C>	<C>	<C>	<C>	<C>	<C>	<C>	<C>	<C>
50	$ 4.56	$ 4.20	$ 4.55	$ 4.19	$ 4.51	$ 4.18	$ 4.45	$ 4.15	$ 4.36	$ 4.11
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51	4.64	4.26	4.62	4.25	4.58	4.24	4.51	4.21	4.42	4.16
52	4.72	4.32	4.70	4.32	4.66	4.30	4.58	4.26	4.48	4.21
53	4.80	4.39	4.79	4.38	4.74	4.36	4.65	4.32	4.53	4.27
54	4.89	4.46	4.87	4.46	4.82	4.43	4.73	4.39	4.59	4.32
55	4.99	4.54	4.97	4.53	4.91	4.50	4.80	4.46	4.65	4.38
56	5.09	4.62	5.07	4.61	5.00	4.58	4.88	4.53	4.72	4.44
57	5.20	4.71	5.17	4.70	5.10	4.66	4.96	4.60	4.78	4.50
58	5.32	4.80	5.29	4.79	5.20	4.75	5.05	4.68	4.84	4.57
59	5.44	4.90	5.41	4.88	5.31	4.84	5.14	4.76	4.91	4.63
60	5.57	5.00	5.53	4.99	5.42	4.93	5.23	4.84	4.97	4.70
61	5.71	5.11	5.67	5.09	5.54	5.03	5.32	4.93	5.03	4.77
62	5.86	5.23	5.81	5.21	5.66	5.14	5.42	5.02	5.09	4.84
63	6.02	5.36	5.97	5.33	5.79	5.25	5.51	5.11	5.16	4.91
64	6.20	5.49	6.13	5.46	5.93	5.37	5.61	5.21	5.21	4.98
65	6.38	5.64	6.31	5.60	6.07	5.49	5.71	5.31	5.27	5.05
66	6.58	5.79	6.49	5.75	6.22	5.63	5.81	5.41	5.32	5.12
67	6.79	5.95	6.69	5.91	6.38	5.76	5.91	5.52	5.38	5.18
68	7.02	6.13	6.89	6.08	6.53	5.91	6.01	5.63	5.42	5.25
69	7.26	6.32	7.11	6.26	6.70	6.06	6.11	5.74	5.47	5.31
70	7.52	6.53	7.35	6.45	6.86	6.23	6.20	5.85	5.51	5.37
71	7.80	6.75	7.59	6.66	7.03	6.39	6.29	5.96	5.54	5.42
72	8.09	6.99	7.85	6.89	7.21	6.57	6.38	6.07	5.57	5.47
73	8.41	7.26	8.12	7.13	7.38	6.75	6.46	6.17	5.60	5.51
74	8.75	7.54	8.41	7.39	7.55	6.94	6.53	6.28	5.63	5.55
75	9.12	7.85	8.71	7.66	7.73	7.13	6.61	6.38	5.65	5.59

- ---------------------------------------------------------------------------------------------------------------</TABLE>

* Net of any applicable premium tax deduction

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<PAGE>

     Option 2: Life Income Based on the Life of One Annuitant <TABLE> <CAPTION>

- ----------------------------------------------------------------------------------------------------------------First Month Payment Amount for Each $1,000* Rates for a Variable Annuity with 5% Assumed Interest Rate - ----------------------------------------------------------------------------------------------------------------

			Option 2(b):		Option 2(b):		Option 2(b):		Option 2(b):
	Option 2(a):			payments		payments		payments		payments
Adjusted	payments for life		guaranteed 5 years		guaranteed 10 years		guaranteed 15 years		guaranteed 20 years
Age of	------------------- -------------------- -------------------- -------------------- --------------------
Annuitant	Male	Female	Male	Female	Male	Female	Male	Female	Male	Female

• -------- --------- --------- ---------- --------- ---------- --------- --------- ---------- --------- ----------

<S>	<C>	<C>	<C>	<C>	<C>	<C>	<C>	<C>	<C>	<C>
50	$ 5.48	$ 5.12	$ 5.46	$ 5.11	$ 5.41	$ 5.09	$ 5.34	$ 5.06	$5.24	$ 5.01
51	5.55	5.17	5.53	5.17	5.48	5.14	5.40	5.11	5.29	5.05
52	5.63	5.23	5.61	5.23	5.55	5.20	5.46	5.16	5.34	5.10
53	5.71	5.30	5.69	5.29	5.62	5.26	5.53	5.22	5.40	5.15
54	5.80	5.37	5.77	5.36	5.70	5.33	5.60	5.27	5.45	5.20
55	5.89	5.44	5.86	5.43	5.79	5.39	5.67	5.34	5.51	5.25
56	5.99	5.52	5.96	5.51	5.87	5.47	5.74	5.40	5.56	5.31
57	6.10	5.60	6.06	5.59	5.97	5.54	5.82	5.47	5.62	5.37
58	6.21	5.69	6.17	5.67	6.06	5.62	5.90	5.54	5.68	5.42
59	6.33	5.79	6.29	5.77	6.17	5.71	5.98	5.61	5.74	5.48
60	6.46	5.89	6.41	5.87	6.28	5.80	6.06	5.69	5.79	5.55
61	6.60	6.00	6.55	5.97	6.39	5.90	6.15	5.77	5.85	5.61
62	6.75	6.11	6.69	6.08	6.51	6.00	6.24	5.86	5.91	5.67
63	6.91	6.23	6.84	6.20	6.64	6.10	6.33	5.95	5.96	5.73
64	7.09	6.37	7.00	6.33	6.77	6.22	6.42	6.04	6.02	5.80
65	7.27	6.51	7.18	6.46	6.91	6.34	6.52	6.13	6.07	5.86
66	7.47	6.66	7.36	6.61	7.05	6.46	6.61	6.23	6.12	5.92
67	7.68	6.82	7.55	6.76	7.20	6.60	6.70	6.33	6.16	5.99
68	7.91	7.00	7.76	6.93	7.35	6.74	6.80	6.43	6.21	6.04
69	8.15	7.19	7.98	7.11	7.51	6.89	6.89	6.54	6.25	6.10
70	8.41	7.39	8.21	7.30	7.67	7.04	6.97	6.64	6.28	6.15
71	8.69	7.62	8.45	7.51	7.83	7.21	7.06	6.74	6.32	6.20
72	8.99	7.86	8.70	7.73	8.00	7.38	7.14	6.85	6.35	6.25
73	9.31	8.12	8.97	7.97	8.16	7.55	7.21	6.95	6.37	6.29
74	9.65	8.41	9.26	8.23	8.33	7.73	7.29	7.04	6.39	6.33
75	10.02	8.72	9.55	8.50	8.50	7.92	7.35	7.14	6.41	6.36

- ----------------------------------------------------------------------------------------------------------------
</TABLE>
* Net of any applicable premium tax deduction
MP2CERT(5/97)
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     34 <PAGE>

     Option 3: Life Income Based on the Lives of Two Annuitants <TABLE> <CAPTION>

- ----------------------------------------------------------------------------------------------------------------------Monthly Payment Amount for Each $1,000* Rates for a Fixed Annuity with 3% Guaranteed Interest Rate Annuitant is Female and Second Annuitant is Male - ----------------------------------------------------------------------------------------------------------------------Adjusted Ages - ---------------------------Second Annuitant Annuitant Option 3(a) Option 3(b) Option 3(c) Option 3(d) Option 3(e) Option 3(f)

• ------------- ------------- -------------- --------------- -------------- -------------- --------------- -------------

<S>	<C>	<C>	<C>	<C>	<C>	<C>	<C>
55	50	$ 3.75	$ 4.07	$ 4.26	$ 3.75	$ 3.98	$ 3.72
55	55	3.88	4.25	4.47	3.87	4.06	3.85
55	60	3.99	4.44	4.71	3.98	4.12	3.94
60	55	4.06	4.47	4.71	4.06	4.37	4.02
60	60	4.24	4.71	4.99	4.23	4.47	4.17
60	65	4.38	4.97	5.32	4.38	4.54	4.29
65	60	4.49	5.01	5.32	4.48	4.89	4.39
65	65	4.72	5.33	5.70	4.71	5.02	4.59
65	70	4.93	5.68	6.15	4.91	5.14	4.74
70	65	5.07	5.75	6.17	5.05	5.60	4.87
70	70	5.40	6.21	6.70	5.36	5.79	5.13
70	75	5.69	6.68	7.32	5.62	5.96	5.29
75	70	5.89	6.82	7.40	5.81	6.63	5.48
75	75	6.37	7.45	8.15	6.23	6.92	5.78
75	80	6.78	8.11	8.99	6.54	7.15	5.93

- ----------------------------------------------------------------------------------------------------------------------</TABLE> * Net of any applicable premium tax deduction

MP2CERT(5/97)

35

<PAGE>

     Option 3: Life Income Based on the Lives of Two Annuitants <TABLE> <CAPTION>

- --------------------------------------------------------------------------------------------------------First Month Payment Amount for Each $1,000* Rates for a Variable Annuity with 3.5% Assumed Interest Rate Annuitant is Female and Second Annuitant is Male - --------------------------------------------------------------------------------------------------------Adjusted Ages - ---------------------------Second Annuitant Annuitant Option 3(a) Option 3(b) Option 3(c) Option 3(d) Option 3(e)

• ------------- ------------- -------------- --------------- -------------- -------------- ---------------

<S>	<C>	<C>	<C>	<C>	<C>	<C>
55	50	$ 4.03	$ 4.36	$ 4.55	$ 4.03	$ 4.27
55	55	4.16	4.54	4.76	4.15	4.34
55	60	4.27	4.73	5.00	4.26	4.40
60	55	4.34	4.76	5.00	4.34	4.65
60	60	4.51	4.99	5.27	4.50	4.74
60	65	4.66	5.25	5.61	4.65	4.82
65	60	4.76	5.29	5.60	4.75	5.16
65	65	4.99	5.61	5.99	4.98	5.30
65	70	5.19	5.97	6.44	5.17	5.41
70	65	5.34	6.03	6.46	5.31	5.88
70	70	5.67	6.49	6.99	5.62	6.07
70	75	5.95	6.96	7.61	5.87	6.23
75	70	6.16	7.10	7.68	6.07	6.90
75	75	6.64	7.73	8.43	6.48	7.19
75	80	7.04	8.39	9.29	6.79	7.42

- --------------------------------------------------------------------------------------------------------</TABLE> * Net of any applicable premium tax deduction

MP2CERT(5/97)

36

<PAGE>

Option 3: Life Income Based on the Lives of Two Annuitants

<TABLE> <CAPTION>

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- ---------------------------------------------------------------------------------------------------------------First Month Payment Amount for Each $1,000* Rates for a Variable Annuity with 5% Assumed Interest Rate Annuitant is Female and Second Annuitant is Male - ---------------------------------------------------------------------------------------------------------------

Adjusted Ages
- --------------------------------
	Second
Annuitant	Annuitant	Option 3(a)	Option 3(b)	Option 3(c)	Option 3(d)	Option 3(e)

• ---------------- --------------- --------------- -------------- --------------- --------------- ---------------

<S>	<C>	<C>	<C>	<C>	<C>	<C>
55	50	$ 4.93	$ 5.27	$ 5.46	$ 4.93	$ 5.17
55	55	5.04	5.44	5.66	5.04	5.23
55	60	5.15	5.63	5.91	5.14	5.29
60	55	5.21	5.65	5.89	5.21	5.53
60	60	5.37	5.87	6.16	5.37	5.62
60	65	5.52	6.14	6.51	5.51	5.70
65	60	5.61	6.16	6.49	5.60	6.03
65	65	5.83	6.49	6.87	5.82	6.15
65	70	6.04	6.84	7.34	6.00	6.27
70	65	6.17	6.90	7.33	6.13	6.73
70	70	6.49	7.35	7.87	6.44	6.91
70	75	6.77	7.84	8.51	6.68	7.07
75	70	6.97	7.96	8.56	6.87	7.75
75	75	7.45	8.60	9.33	7.27	8.04
75	80	7.86	9.28	10.20	7.57	8.27

- ---------------------------------------------------------------------------------------------------------------</TABLE> * Net of any applicable premium tax deduction

MP2CERT(5/97)

37

<PAGE>

     Option 3: Life Income Based on the Lives of Two Annuitants <TABLE> <CAPTION>

- ------------------------------------------------------------------------------------------------------------------------------Monthly Payment Amount for Each $1,000* Rates for a Fixed Annuity with 3% Guaranteed Interest Rate Annuitant is Male and Second Annuitant is Female - ------------------------------------------------------------------------------------------------------------------------------

Adjusted Ages
- -------------------------------
	Second
Annuitant	Annuitant	Option 3(a)	Option 3(b)	Option 3(c)	Option 3(d)	Option 3(e)	Option 3(f)

• --------------- --------------- --------------- -------------- --------------- --------------- --------------- ---------------

<S>	<C>	<C>	<C>	<C>	<C>	<C>	<C>
55	50	$ 3.69	$ 4.05	$ 4.27	$ 3.69	$ 4.13	$ 3.67
55	55	3.88	4.25	4.47	3.87	4.25	3.85
55	60	4.06	4.47	4.71	4.06	4.36	4.02
60	55	3.99	4.44	4.71	3.98	4.55	3.94
60	60	4.24	4.71	4.99	4.23	4.70	4.17
60	65	4.49	5.01	5.32	4.48	4.85	4.39
65	60	4.38	4.97	5.32	4.38	5.10	4.29
65	65	4.72	5.33	5.70	4.71	5.32	4.59
65	70	5.07	5.75	6.17	5.05	5.54	4.87
70	65	4.93	5.68	6.15	4.91	5.86	4.74
70	70	5.40	6.21	6.70	5.36	6.18	5.13
70	75	5.89	6.82	7.40	5.81	6.49	5.48
75	70	5.69	6.68	7.32	5.62	6.92	5.29
75	75	6.37	7.45	8.15	6.23	7.40	5.78
75	80	7.07	8.34	9.16	6.78	7.85	6.17

- ------------------------------------------------------------------------------------------------------------------------------</TABLE> * Net of any applicable premium tax deduction

MP2CERT(5/97)

38

<PAGE>

     Option 3: Life Income Based on the Lives of Two Annuitants <TABLE> <CAPTION>

- ---------------------------------------------------------------------------------------------------------------First Month Payment Amount for Each $1,000* Rates for a Variable Annuity with 3.5% Assumed Interest Rate Annuitant is Male and Second Annuitant is Female - ---------------------------------------------------------------------------------------------------------------Adjusted Ages - --------------------------------

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Page 23 of 24

	Second
Annuitant	Annuitant	Option 3(a)	Option 3(b)	Option 3(c)	Option 3(d)	Option 3(e)

• ---------------- --------------- --------------- -------------- --------------- --------------- ---------------

<S>	<C>	<C>		<C>		<C>		<C>		<C>
55	50	$ 3.97		$ 4.35		$ 4.56		$ 3.97		$ 4.42
55	55		4.16		4.54		4.76		4.15		4.54
55	60		4.34		4.76		5.00		4.34		4.64
60	55		4.27		4.73		5.00		4.26		4.83
60	60		4.51		4.99		5.27		4.50		4.98
60	65		4.76		5.29		5.60		4.75		5.13
65	60		4.66		5.25		5.61		4.65		5.39
65	65		4.99		5.61		5.99		4.98		5.60
65	70		5.34		6.03		6.46		5.31		5.81
70	65		5.19		5.97		6.44		5.17		6.14
70	70		5.67		6.49		6.99		5.62		6.47
70	75		6.16		7.10		7.68		6.07		6.77
75	70		5.95		6.96		7.61		5.87		7.20
75	75		6.64		7.73		8.43		6.48		7.68
75	80		7.33		8.62		9.45		7.02		8.13

- ---------------------------------------------------------------------------------------------------------------</TABLE> * Net of any applicable premium tax deduction

MP2CERT(5/97)

39

<PAGE>

     Option 3: Life Income Based on the Lives of Two Annuitants <TABLE> <CAPTION>

- ---------------------------------------------------------------------------------------------------------------------------First Month Payment Amount for Each $1,000* Rates for a Variable Annuity with 5% Assumed Interest Rate Annuitant is Male and Second Annuitant is Female - ---------------------------------------------------------------------------------------------------------------------------

Adjusted Ages
- -----------------------------------
	Second
Annuitant	Annuitant	Option 3(a)	Option 3(b)	Option 3(c)	Option 3(d)	Option 3(e)

• ------------------ ---------------- ----------------- ---------------- ----------------- ----------------- ----------------

<S>	<C>	<C>		<C>		<C>		<C>	<C>
55	50	$ 4.88		$ 5.26		$ 5.48		4.88	$ 5.34
55	55		5.04		5.44		5.66	5.04		5.43
55	60		5.21		5.65		5.89	5.21		5.53
60	55		5.15		5.63		5.91	5.14		5.73
60	60		5.37		5.87		6.16	5.37		5.86
60	65		5.61		6.16		6.49	5.60		6.01
65	60		5.52		6.14		6.51	5.51		6.28
65	65		5.83		6.49		6.87	5.82		6.47
65	70		6.17		6.90		7.33	6.13		6.67
70	65		6.04		6.84		7.34	6.00		7.03
70	70		6.49		7.35		7.87	6.44		7.33
70	75		6.97		7.96		8.56	6.87		7.62
75	70		6.77		7.84		8.51	6.68		8.08
75	75		7.45		8.60		9.33	7.27		8.55
75	80		8.14		9.49	10.35		7.80		8.98

- ---------------------------------------------------------------------------------------------------------------------------

</TABLE>
* Net of any applicable premium tax deduction
MP2CERT(5/97)
40
<PAGE>
- -------------------------------------------------------------------------------
Aetna Insurance Company of America
Home Office: 151 Farmington Avenue
P.O. Box 30670
Hartford, Connecticut 06150-0670
(800) 531-4547
Certificate of Group Annuity Coverage
- -------------------------------------------------------------------------------
ALL PAYMENTS AND VALUES PROVIDED BY THE GROUP CONTRACT, WHEN BASED ON INVESTMENT
EXPERIENCE OF A SEPARATE ACCOUNT, ARE VARIABLE AND ARE NOT GUARANTEED AS TO
FIXED DOLLAR AMOUNT. THIS CERTIFICATE CONTAINS A MARKET VALUE ADJUSTMENT
FORMULA. APPLICATION OF A MARKET VALUE ADJUSTMENT MAY RESULT IN EITHER AN
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INCREASE OR DECREASE IN THE CURRENT VALUE. THE MARKET VALUE ADJUSTMENT FORMULA

DOES NOT APPLY TO A GUARANTEED TERM AT THE TIME OF ITS MATURITY.

MP2CERT(5/97)

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03/26/2018

EX-16

Page 1 of 21

Exhibit 16(4)(l)
	Aetna Insurance Company of America
	Home Office: 151 Farmington Avenue
	P.O. Box 30670
	Hartford, Connecticut 06150-0670
	(800) 531-4547
	You may call the toll-free number shown above for
	answers to questions or to resolve a complaint.
	Aetna Insurance Company of America, a stock
	company, herein called Aetna, agrees to pay the
	benefits stated in this Contract.
<TABLE>
<S>		<C>
Specifications
|------------------------------------------------------------------------------------------------
| Plan
| SPECIMEN
|------------------------------------------------------------------------------------------------
| Type of Plan
| SPECIMEN
|------------------------------------------------------------------------------------------------
| Contract Holder
| SPECIMEN
| SPECIMEN
|------------------------------------------------------------------------------------------------
| Annuitant
| SPECIMEN
|------------------------------------------------------------------------------------------------
| Contract No.
| SPECIMEN
|------------------------------------------------------------------------------------------------
| Effective Date
| SPECIMEN
|------------------------------------------------------------------------------------------------
This Contract is delivered in YOUR STATE		and is subject to the laws of that jurisdiction
</TABLE>
The variable features of the Contract are described in parts III and IV.
Right to Cancel
- --------------------------------------------------------------------------------
The Contract Holder may cancel this Contract within 10 days by returning it to
the agent from whom it was purchased, or to Aetna at the address shown above.
Within seven days of receiving the Contract at its home office, Aetna will
return the amount of Purchase Payment(s) received, plus any increase, or minus
any decrease, on the amount, if any, allocated to the Separate Account fund(s).
This page and the pages that follow constitute the entire Contract.
Signed at the home office on the Effective Date.
/s/ Dan Kearney		/s/ Maria F. McKeon
President		Secretary
Individual Variable, Fixed, or Combination Annuity Contract
	Nonparticipating
ALL PAYMENTS AND VALUES PROVIDED BY THE CONTRACT, WHEN BASED ON INVESTMENT
EXPERIENCE OF A SEPARATE ACCOUNT, ARE VARIABLE AND ARE NOT GUARANTEED AS TO
FIXED DOLLAR AMOUNT. THIS CONTRACT CONTAINS A MARKET VALUE ADJUSTMENT FORMULA.
APPLICATION OF A MARKET VALUE ADJUSTMENT MAY RESULT IN EITHER AN INCREASE OR
DECREASE IN THE CURRENT VALUE. THE MARKET VALUE ADJUSTMENT FORMULA DOES NOT
APPLY TO A GUARANTEED TERM AT THE TIME OF ITS MATURITY.
I-MP2(5/97)
<PAGE>
<TABLE>
Specifications
- --------------------------- --------------------------------------------------------------------------------------------------------
<S>	<C>
Guaranteed	There is a guaranteed interest rate for Purchase Payment(s) held in the AG Account. (See Contract
Interest Rate	Schedule I).
- --------------------------- --------------------------------------------------------------------------------------------------------
Deductions from the	There will be deductions for mortality and expense risks and administrative fees. (See Contract
Separate Account	Schedule I and II).
- --------------------------- --------------------------------------------------------------------------------------------------------
Deduction from Purchase	Purchase Payment(s) are subject to a deduction for premium taxes, if any. (See 3.01.)
Payment(s)
- --------------------------- --------------------------------------------------------------------------------------------------------
Surrender Fee	There will be a charge deducted upon surrender. (See Contract Schedule I).
</TABLE>
This Contract is a legal contract and constitutes the entire legal relationship
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Page 2 of 21

between Aetna and the Contract Holder.

READ THIS CONTRACT CAREFULLY. This Contract sets forth, in detail, all of the rights and obligations of both you and Aetna. THEREFORE, IT IS IMPORTANT THAT YOU READ THIS CONTRACT CAREFULLY.

I-MP2(5/97)

<PAGE>

Contract Schedule I
Accumulation Period

<TABLE> Separate Account

- -----------------------------------------------------------------------------------------------------------------------------------<S> <C> Separate Account: Variable Annuity Account I

Charges to Separate Account:	A daily charge is deducted from any portion of the Current Value allocated to the
	Separate Account. The deduction is the daily equivalent of the annual effective
	percentage shown in the following chart: __			__
	Administrative Charge	|	0.15%	|
	Mortality Risk Charge	|	0.35%	|
	Expense Risk Charge	|	0.90%	|
	Total Separate Account	|	-----	|
	Charges	|	1.40%	|
		|_		_|

AICA Guaranteed Account (AG Account)

- -----------------------------------------------------------------------------------------------------------------------------------

Minimum Guaranteed Interest Rate:

[3.0%] (effective annual rate of return)

Separate Account and AG Account

- -----------------------------------------------------------------------------------------------------------------------------------

Transfers:		An unlimited number of Transfers are allowed during the Accumulation Period. Aetna
		allows [12] free Transfers in any calendar year. Thereafter, Aetna reserves the right
to charge [$10] for each subsequent Transfer.
Maintenance Fee:		The annual Maintenance Fee is [$30].	If the Account's Current Value is $50,000 or more
		on the date the Maintenance Fee is to be deducted, the Maintenance Fee is [$0].
Annual Waiver of Surrender Fee:		As provided in 3.13 (d), the amount that may be withdrawn
		without a surrender fee cannot exceed [10%] of the Current Value calculated on the date
		Aetna receives a surrender request in good order at its Home Office.
Surrender Fee:		For each surrender, the Surrender Fee will be determined as follows:
			Surrender Fee
		Length of Time from Deposit of	(as percentage of
	__ Net Purchase Payment (Years)		Net Purchase __ Payment)
	|	Less than 2 years	7%	|
	|	2 or more but less than 4 years	6%	|
	|	4 or more but less than 5 years	5%	|
	|	5 or more but less than 6 years	4%	|
	|	6 or more but less than 7 years	3%	|
	|_ 7 years or more		0% _|
I-MP2(5/97)-1

3

<PAGE>

Separate Account and AG Account (Cont'd)

- ------------------------------------------------------------------------------------------------------------------------------------

Systematic Withdrawal Option (SWO):	The specified payment or specified percentage may not be greater than [10%] of the Account's Current Value at time of election.
</TABLE>

See 1. GENERAL DEFINITIONS for explanations.

I-MP2(5/97)-1

4

<PAGE>

Contract Schedule II
Annuity Period

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Page 3 of 21

<TABLE> Separate Account

- ------------------------------------------------------------------------------------------------------------------------------------<S> <C> Charges to Separate Account: A daily charge at an annual effective rate of [1.25%] for Annuity mortality and expense risks. The administrative charge is established upon election of an Annuity option.

This charge will not exceed [0.25%].

Variable Annuity Assumed Annual Net	If a Variable Annuity is chosen, an assumed annual net return rate of [5.0%] may be
Return Rate:	elected. If [5.0%] is not elected, Aetna will use an assumed annual net return rate of
	[3.5%].
	The assumed annual net return rate factor for [3.5%] per year is [0.9999058].
	The assumed annual net return rate factor for [5.0%] per year is [0.9998663].
	If the portion of a Variable Annuity payment for any Fund is not to decrease, the
	Annuity return factor under the Separate Account for that Fund must be:
	(a)	[4.75%] on an annual basis plus an annual return of up to [0.25%] to offset the
		administrative charge set at the time Annuity payments commence if an assumed
		annual net return rate of [3.5%] is chosen; or
	(b)	[6.25%] on an annual basis plus an annual return of up to [0.25%] to offset the
		administrative charge set at the time Annuity payments commence, if an assumed
		annual net return rate of [5%] is chosen.

Fixed Annuity

- ------------------------------------------------------------------------------------------------------------------------------------

Minimum Guaranteed Interest Rate: </TABLE> [3.0%] (effective annual rate of return)

See 1. GENERAL DEFINITIONS for explanations.

I-MP2(5/97)-1

5

<PAGE>

TABLE OF CONTENTS

Page

I.	GENERAL DEFINITIONS
-	-----------------------------------------------------------------------------

1.01	Accumulation Period	8
1.02	Adjusted Current Value	8
1.03	AICA Guaranteed Account (AG Account)	8
1.04	Annuitant	8
1.05	Annuity	8
1.06	Beneficiary	8
1.07	Code	8
1.08	Contract	8
1.09	Contract Holder	8
1.10	Current Value	9
1.11	Deposit Period	9
1.12	Dollar Cost Averaging	9
1.13	Fixed Annuity	9
1.14	Fund(s)	9
1.15	General Account	9
1.16	Guaranteed Rates -- AG Account	9
1.17	Guaranteed Term	10
1.18	Guaranteed Term(s) Groups	10
1.19	Maintenance Fee	10
1.20	Market Value Adjustment (MVA)	10
1.21	Matured Term Value	10
1.22	Matured Term Value Transfer	10
1.23	Maturity Date	10
1.24	Net Purchase Payment(s)	10
1.25	Nonunitized Separate Account	10
1.26	Purchase Payment(s)	11
1.27	Reinvestment	11
1.28	Separate Account	11
1.29	Surrender Value	11
1.30	Transfers	11
1.31	Valuation Period (Period)	11
1.32	Variable Annuity	11

II.	GENERAL PROVISIONS
-	-----------------------------------------------------------------------------

2.01	Change of Contract	12
2.02	Change of Fund(s)	13
2.03	Nonparticipating Contract	13
2.04	Payments and Elections	13
2.05	State Laws	13
2.06	Control of Contract	13
2.07	Designation of Beneficiary	14
2.08	Misstatements and Adjustments	14
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2.09	Incontestability	14
2.10	Grace Period	14

III.	PURCHASE PAYMENT, CURRENT VALUE, AND SURRENDER PROVISIONS
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3.01	Net Purchase Payment	14
3.02	Fund(s) Record Units -- Separate Account	15
3.03	Net Return Factor(s) -- Separate Account	15
3.04	Fund Record Unit Value -- Separate Account	15
3.05	Market Value Adjustment	15
3.06	Transfer of Current Value from the Funds or AG Account
	During the Accumulation Period	17
3.07	Notice to the Contract Holder	18
3.08	Loans	18
3.09	Systematic Distribution Options	18
3.10	Death Benefit Amount	19
3.11	Death Benefit Options available to Beneficiary	20
3.12	Liquidation of Surrender Value	22
3.13	Surrender Fee	22
3.14	Payment of Surrender Value	23
3.15	Payment of Adjusted Current Value	23

IV.	ANNUITY PROVISIONS
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4.01	Choices	23
4.02	Terms of Annuity Options	24
4.03	Death of Annuitant/Beneficiary	25
4.04	Fund(s) Annuity Units -- Separate Account	26
4.05	Fund(s) Annuity Unit Value -- Separate Account	27
4.06	Annuity Net Return Factor(s) -- Separate Account	27
4.07	Annuity Options	28
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<TABLE>
<CAPTION>

I.	GENERAL DEFINITIONS
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<S>

1.01	Accumulation Period:
1.02	Adjusted Current Value:
1.03	AICA Guaranteed Account (AG Account):
1.04	Annuitant
1.05	Annuity
1.06	Beneficiary
1.07	Code
1.08	Contract
1.09	Contract Holder

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The period during which the Net Purchase Payment(s) are applied to a Contract to provide future Annuity payment(s).

The Current Value of a Contract plus or minus any aggregate AG Account MVA, if applicable. (See 1.20)

An accumulation option where Aetna guarantees stipulated rate(s) of interest for specified periods of time. All assets of Aetna, including amounts in the Nonunitized Separate Account, are available to meet the guarantees under the AG Account.

The person whose life is measured for purposes of the Guaranteed Death Benefit and the duration of Annuity payments under this Contract.

Payment of an income:

(a) For the life of one or two persons;

(b) For a stated period; or

(c) For some combination of (a) and (b).

The individual or estate entitled to receive any death benefit under the Contract. If the Contract is held by joint Contract Holders, the survivor will be deemed the designated Beneficiary and any other Beneficiary on record will be treated as the contingent Beneficiary.

The Internal Revenue Code of 1986, as it may be amended from time to time.

This agreement between Aetna and the Contract Holder.

A person who purchases this Contract. Aetna reserves the right to limit ownership to natural persons. The Contract Holder has all right, title and interest under the Contract. If more than one Contract Holder owns the Contract, each Contract Holder will be a joint Contract Holder. Any joint Contract Holder must be the spouse of the other joint Contract Holder. Joint Contract Holders have joint ownership rights and both must authorize exercising any ownership rights unless Aetna allows otherwise.

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1.10	Current Value:
1.11	Deposit Period:
1.12	Dollar Cost Averaging:
1.13	Fixed Annuity:
1.14	Fund(s):
1.15	General Account:
1.16	Guaranteed Rates -- AG Account:

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1.17 Guaranteed Term:

1.18	Guaranteed Term(s) Groups:
1.19	Maintenance Fee:
1.20	Market Value Adjustment (MVA):
1.21	Matured Term Value:
1.22	Matured Term Value Transfer:
1.23	Maturity Date:
1.24	Net Purchase Payment(s):
1.25	Nonunitized Separate Account:

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As of the most recent Valuation Period, the Net Purchase Payment and any additional amount deposited pursuant to 3.10 plus any interest added to the portion allocated to the AG Account; and plus or minus the investment experience of the portion allocated to the Funds since deposit; less all Maintenance Fees deducted, any amounts surrendered and any amounts applied to an Annuity.

A day, a calendar week, a calendar month, a calendar quarter, or any other period of time specified by Aetna during which Net Purchase Payment(s), Transfers and/or Reinvestments may be allocated to one or more AG Account Guaranteed Terms. Aetna reserves the right to shorten or to extend the Deposit Period.

During a Deposit Period, Aetna may offer any number of Guaranteed Terms and more than one Guaranteed Term of the same duration may be offered.

A program that permits the Contract Holder to systematically transfer amounts from any of the Funds or an available AG Account Guaranteed Term to any of the Funds. Aetna reserves the right to establish terms and conditions governing Dollar Cost Averaging. Dollar Cost Averaging is not available when an SDO is in effect.

An Annuity with payments that do not vary in amount.

The open-end management investment companies (mutual funds) in which the Separate Account invests.

The Account holding the assets of Aetna, other than those assets held in Aetna's separate accounts.

Aetna will declare the interest rate(s) applicable to a specific Guaranteed Term at the start of the Deposit Period for that Guaranteed Term. The rate(s) are guaranteed by Aetna for the period beginning with the first day of the Deposit Period and ending on the Maturity Date. Guaranteed Rates are credited beginning with the date of allocation. The Guaranteed Rates are annual effective yields. That is, interest is credited daily at a rate that will produce the Guaranteed Rate over the period of a year. No Guaranteed Rate will ever be less than the Minimum Guaranteed Rate shown on Contract Schedule I.

For Guaranteed Terms of one year or less, one Guaranteed Rate is credited for the full Guaranteed Term. For longer Guaranteed Terms, an initial Guaranteed Rate is credited from the date of deposit to the end of a specified period within the Guaranteed Term. There may be different Guaranteed Rate(s) declared for subsequent specified time intervals throughout the Guaranteed Term.

The period of time specified by Aetna for which a specific Guaranteed Rate(s) is offered on amounts invested during a specific Deposit Period. Guaranteed Terms are made available subject to Aetna's terms and conditions, including, but not limited to, Aetna's right to restrict allocations to new Net Purchase Payments (such as by prohibiting Transfers into a particular Guaranteed Term from any other Guaranteed Term or from any of the Funds, or by prohibiting Reinvestment of a Matured Term Value to a particular Guaranteed Term). More than one Guaranteed Term of the same duration may be offered during a Deposit Period.

All AG Account Guaranteed Term(s) of the same duration (from the close of the Deposit Period until the designated Maturity Date).

The Maintenance Fee (see Contract Schedule I) will be deducted during the Accumulation Period from the Current Value on each anniversary of the date the Contract is established and upon surrender of the entire Contract.

An adjustment that may apply to an amount withdrawn or transferred from an AG Account Guaranteed Term prior to the end of that Guaranteed Term. The adjustment reflects the change in the value of the investment due to changes in interest rates since the date of deposit and is computed using the formula given in 3.05. The adjustment is expressed as a percentage of each dollar withdrawn or transferred.

The amount due on an AG Account Guaranteed Term's Maturity Date.

During the calendar month following an AG Account Maturity Date, the Contract Holder may notify Aetna's home office in writing to Transfer or surrender all or part of the Matured Term Value, plus interest at the new Guaranteed Rate accrued thereon, from the AG Account without an MVA. This provision only applies to the first such written request received from the Contract Holder during this period for any Matured Term Value.

The last day of an AG Account Guaranteed Term.

The Purchase Payment less premium taxes, if applicable.

A separate account set up by Aetna under Title 38, Section 38a-433, of the Connecticut General Statutes, that holds assets for AG Account Terms. There are no discrete units for this Account. The Contract Holder does not participate in the investment gain or loss from the assets held in the Nonunitized Separate Account. Such gain or loss is borne entirely by Aetna. These assets may be chargeable with liabilities arising out of any other business of Aetna.

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1.26	Purchase Payment(s):	Payment(s) accepted by Aetna at its home office. Aetna reserves the right to refuse
		to accept any Purchase Payment at any time for any reason. No advance notice will
		be given to the Contract Holder.
1.27	Reinvestment:	Aetna will mail a notice to the Contract Holder at least 18 calendar days before a
		Guaranteed Term's Maturity Date. This notice will contain the Terms available
		during current Deposit Periods with their Guaranteed Rate(s), and projected Matured
		Term Value. If no specific direction is given by the Contract Holder prior to the
		Maturity Date, each Matured Term Value will be reinvested in the current Deposit
		Period for a Guaranteed Term of the same duration. If a Guaranteed Term of the same
		duration is unavailable, each Matured Term Value will automatically be reinvested in
		the current Deposit Period for the next shortest Guaranteed Term available. If no
		shorter Guaranteed Term is available, the next longer Guaranteed Term will be used.
		Aetna will mail a confirmation statement to the Contract Holder the next business
		day after the Maturity Date. This notice will state the Guaranteed Term and
		Guaranteed Rate(s) which will apply to the reinvested Matured Term Value.
1.28	Separate Account:	A separate account that buys and holds shares of the Fund(s). Income, gains or
		losses, realized or unrealized, are credited or charged to the Separate Account
		without regard to other income, gains or losses of Aetna. Aetna owns the assets
		held in the Separate Account and is not a trustee as to such amounts. This Separate
		Account generally is not guaranteed and is held at market value. The assets of the
		Separate Account, to the extent of reserves and other contract liabilities of the
		Account, shall not be charged with other Aetna liabilities.
1.29	Surrender Value:	The amount payable by Aetna upon the surrender of any portion of the Contract.
1.30	Transfers:	The movement of invested amounts among the available Fund(s) and/or any AG Account
		Guaranteed Term made available subject to terms and conditions established by Aetna
		during the Accumulation Period or, during the Annuity Period, among the available
		Funds under a Variable Annuity.
1.31	Valuation Period (Period):	The period of time for which a Fund determines its net asset value, usually from
		4:15 p.m. Eastern time each day the New York Stock Exchange is open until 4:15 p.m.
		the next such day, or such other day that one or more of the Funds determines its
		net asset value.
1.32	Variable Annuity:	An Annuity with payments that vary with the net investment results of one or more
Funds held under the Separate Account.

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II.	GENERAL PROVISIONS
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2.01      Change of Contract:

Only an authorized officer of Aetna may change the terms of this Contract. Aetna will notify the Contract Holder in writing at least 30 days before the effective date of any change. Any change will not affect the amount or terms of any Annuity which begins before the change.

Aetna reserves the right to refuse to accept any Purchase Payment at any time for any reason. This applies to subsequent Purchase Payments under the Contract. No advance notice will be given to the Contract Holder.

Aetna may make any change that affects the AG Account Market Value Adjustment (3.05) with at least 30 days' advance written notice to the Contract Holder. Any such change shall become effective for any new Term.

The following will not be changed:

(a) Net Purchase Payment (1.24)

(b) AG Account Guaranteed Rate (1.16)

(c) Net Return Factor(s) -- Separate Account (3.03)

(d) Current Value (1.10)

(e) Surrender Value (1.29)

(f) Fund(s) Annuity Unit Value -- Separate Account (4.05)

(g) Annuity options (4.07)

(h) Fixed Annuity Interest Rates (4.01)

(i) Transfers (1.30).

Any change that affects the Annuity Options and the tables for the Options may be made:

(a) No earlier than 12 months after the effective date of this Contract; and

(b) No earlier than 12 months after the effective date of any prior change.

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2.02 Change of Fund(s):

2.03	Nonparticipating Contract:
2.04	Payments and Elections:

2.05	State Laws:
2.06	Control of Contract:

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This Contract may be changed as deemed necessary by Aetna to comply with federal or state law.

The assets of the Separate Account are segregated by Fund. If the shares of any Fund are no longer available for investment by the Separate Account or if in our judgment, further investment in such shares should become inappropriate in view of the purpose of the Contract, Aetna may cease to make such Fund shares available for investment under the Contract prospectively, or Aetna may substitute shares of another Fund for shares already acquired. Aetna may also, from time to time, add additional Funds. Any elimination, substitution or addition of Funds will be done in accordance with applicable state and federal securities laws. Aetna reserves the right to substitute shares of another Fund for shares already acquired without a proxy vote.

The Contract Holder or Beneficiaries will not have a right to share in the earnings of Aetna.

While the Contract Holder is living, Aetna will pay the Contract Holder any Annuity payments as and when due. After the Contract Holder's death, or at the death of the first Contract Holder if the Contract is owned jointly, any Annuity payments required to be made will be paid in accordance with 4.03. Aetna will determine other payments and/or elections as of the end of the Valuation Period in which the request is received at its home office. Such payments will be made within 7 calendar days of receipt at its home office of a written claim for payment which is in good order, except as provided in 3.14.

The Contract complies with the laws of the state in which it is delivered. Any surrender, death, or Annuity payments are equal to or greater than the minimum required by such laws. Annuity tables for legal reserve valuation shall be as required by state law. Such tables may be different from Annuity tables used to determine Annuity payments.

This is a Contract between the Contract Holder and Aetna. The Contract Holder has all rights, title and interest for amounts held in the Contract. Choices made under this Contract must be in writing. If the Contract is owned jointly, both joint Contract Holders must authorize any Contract Holder change in writing. Until receipt of such choices at Aetna's home office, Aetna may rely on any previous choices made.

The Contract is not subject to the claims of any creditors of the Contract Holder, except to the extent permitted by law. The Contract Holder may assign or transfer his or her rights under the Contract. Aetna reserves the right not to accept assignment or transfer to a nonnatural person. Any assignment or transfer made under the Contract must be submitted to Aetna's home office in writing and will not be effective until accepted by Aetna.

2.07	Designation of Beneficiary:	Each Contract Holder shall name his or her Beneficiary. If the Contract is owned
		jointly, both Contract Holders must agree in writing to the Beneficiary designated.
		The Beneficiary may be changed at any time. Changes to a Beneficiary must be
		submitted to Aetna's home office in writing and will not be effective until accepted
		by Aetna. If the Contract is owned jointly, at the death of one Certificate Holder,
		the survivor will be deemed the Beneficiary; any other Beneficiary on record will be
		deemed a contingent Beneficiary.
2.08	Misstatements and Adjustments:	If Aetna finds the age of any Annuitant to be misstated, the correct facts will be
		used to adjust payments.
2.09	Incontestability:	Aetna cannot cancel this Contract because of any error of fact on the application.
2.10	Grace Period:	This Contract will remain in effect even if Purchase Payments are not continued
		except as provided in the Payment of Adjusted Current Value provision (see 3.16).
III.	PURCHASE PAYMENT, CURRENT VALUE, AND SURRENDER PROVISIONS

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3.01	Net Purchase Payment:	This amount is the actual Purchase Payment less any premium tax. Aetna reserves the
		right to pay premium taxes when due and deduct the amount from the current value
when we pay the tax or at a later date.
		Each Net Purchase Payment will be allocated, as directed by the Contract Holder
		among:
		(a)	AG Account Guaranteed Terms made available subject to terms and conditions
			established by Aetna; and
		(b)	The Fund(s) in which the Separate Account invests.
		For each Net Purchase Payment, the Contract Holder shall tell Aetna the percentage to
		allocate to any available AG Account Guaranteed Terms and/or each Fund. Unless
		different allocation instructions are not received for any subsequent Net Purchase
		Payment, the allocation will be the same as for the Initial Purchase Payment. If the
		same Guaranteed Term is no longer available, the Net Purchase Payment will be
		allocated to the next shortest Guaranteed Term available in the current Deposit
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3.02	Fund(s) Record Units -- Separate Account:
3.03	Net Return Factor(s) -- Separate Account:

3.04	Fund Record Unit Value -- Separate Account:
3.05	Market Value Adjustment:

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3.05      Market Value Adjustment (Cont'd):

14

15

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Period. If no shorter Guaranteed Term is available, the next longer Guaranteed Term will be used.

Aetna will declare from time to time the acceptability and the minimum amount for additional Purchase Payments.

The portion of the Net Purchase Payment(s) applied to each Fund under the Separate Account will determine the number of Fund record units for that Fund. This number is equal to the portion of the Net Purchase Payment(s) applied to each Fund divided by the Fund record unit value (see 3.04) for the Valuation Period in which the Purchase Payment is received in good order at Aetna's home office.

The net return factor(s) are used to compute all Separate Account record units for any Fund.

The net return factor for each Fund is equal to 1.0000000 plus the net return rate.

The net return rate is equal to:

(a) The value of the shares of the Fund held by the Separate Account at the end of the Valuation Period; minus

(b) The value of the shares of the Fund held by the Separate Account at the start of the Valuation Period; plus or minus

(c) Taxes (or reserves for taxes) on the Separate Account (if any); divided by

(d) The total value of the Fund record units and Fund Annuity units of the Separate Account at the start of the Valuation Period; minus

(e) A daily Separate Account charge at an annual rate as shown on Contract Schedule I for mortality and expense risks, which may include profit; and a daily administrative charge.

A net return rate may be more or less than 0%. The value of a share of the Fund is equal to the net assets of the Fund divided by the number of shares outstanding.

A Fund record unit value is computed by multiplying the net return factors for the current Valuation Period by the Fund record unit value for the previous Period. The dollar value of Fund record units, Separate Account assets, and Variable Annuity payments may go up or down due to investment gain or loss.

An MVA will apply to any withdrawal from the AG Account before the end of a Guaranteed Term when the withdrawal is due to:

(a) A Transfer; except for Transfers under the Dollar Cost Averaging program or, as specified in 1.22 Matured Term Value Transfer;

(b) A full or partial surrender (including a free withdrawal under 3.13), except for a payment made (1) under an SDO (see 3.09), or (2) under a qualified Contract, when the amount withdrawn is equal to the required minimum distribution for the Account calculated using a method permitted under the Code and agreed to by Aetna; or

(c) An election of an Annuity option (see 4.07).

Full and partial Surrenders and Transfers made within six months after the date of the Annuitant's death will be the greater of:

(a) The aggregate MVA amount which is the sum of all market value adjusted amounts calculated due to a withdrawal of amounts. This total may be greater or less than the Current Value of those amounts; or

(b) The applicable portion of the Current Value in the AG Account.

After the six-month period, the surrender or Transfer will be the aggregate MVA amount, which may be greater or less than the Current Value of those amounts.

The greater of the aggregate MVA amount or the applicable portion of the Current Value applies to amounts withdrawn from the AG Account on account of an election of Annuity options 2 or 3 (see 4.07).

Market value adjusted amounts will be equal to the amount withdrawn multiplied by the following ratio:

x
---
365

(1 + i)
-----------
x

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3.05      Market Value Adjustment (Cont'd):

3.06      Transfer of Current Value from the Funds or AG Account During the Accumulation Period:

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3.06	Transfer of Current Value from the Funds or AG Account During the Accumulation Period (Cont'd):
3.07	Notice to the Contract Holder:

3.08	Loans:
3.09	Systematic Distribution Options (SDOs):

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---
365
(1 + j)

Where:

i	is the Deposit Period Yield
j	is the Current Yield
x	is the number of days remaining, (computed from Wednesday of the week of withdrawal) in the Guaranteed Term.

The Deposit Period Yield will be determined as follows:

(a) At the close of the last business day of each week of the Deposit Period, a yield will be computed as the average of the yields on that day of U.S.

Treasury Notes which mature in the last three months of the Guaranteed Term.

(b) The Deposit Period Yield is the average of those yields for the Deposit Period. If withdrawal is made before the close of the Deposit Period, it is the average of those yields on each week preceding withdrawal.

The Current Yield is the average of the yields on the last business day of the week preceding withdrawal on the same U.S. Treasury Notes included in the Deposit Period Yield.

In the event that no U.S. Treasury Notes which mature in the last three months of the Guaranteed Term exist, Aetna reserves the right to use the U.S. Treasury Notes that mature in the following quarter.

Before an Annuity option is elected, all or any portion of the Adjusted Current Value of the Contract Holder's Account may be transferred from any Fund or Guaranteed Term of the AG Account:

(a) To any other Fund; or

(b) To any Guaranteed Term of the AG Account made available subject to terms and conditions specified by Aetna in the current Deposit Period.

Transfer requests can be submitted as a percentage or as a dollar amount. Aetna may establish a minimum transfer amount. Within a Guaranteed Term Group, the amount to be surrendered or transferred will be withdrawn first from the oldest Deposit Period, then from the next oldest, and so on until the amount requested is satisfied.

The Contract Holder may make an unlimited number of Transfers during the Accumulation Period. The number of free Transfers allowed by Aetna is shown on Contract Schedule I. Additional Transfers may be subject to a Transfer fee as shown on Contract Schedule I.

Amounts transferred from AG Account Guaranteed Term under the Dollar Cost Averaging program, or amounts transferred as a Matured Term Value on or within one calendar month after a Term's Maturity Date do not count against the annual Transfer limit.

Amounts allocated to AG Account Guaranteed Terms may not be transferred to the Funds or to another Guaranteed Term during a Deposit Period or for 90 days after the close of a Deposit Period except for (1) Matured Term Value(s) during the calendar month following the Term's Maturity Date; (2) amounts used as a premium for an Annuity option; (3) amounts transferred under the Dollar Cost Averaging Program; and (4) amounts distributed under the Systematic Withdrawal Option.

The Contract Holder will receive quarterly statements from Aetna of:

(a) The value of any amounts held in:

(1)	The AG Account; and
(2)	The Fund(s) under the Separate Account.

(b) The number of any Fund(s) record units; and

(c) The Fund(s) record unit value.

Such number or values will be as of a specific date no more than 60 days before the date of the notice.

Loans are not available under this Contract.

Aetna may, from time to time, make one or more systematic distribution options (SDOs) available during the Accumulation Period. When an SDO is elected, Aetna will make automatic payments from the Certificate Holder's Account. No Surrender Fee or MVA will apply to the automatic payments made under an SDO.

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3.10 Death Benefit Amount:

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3.10	Death Benefit Amount (Cont'd):
3.11	Death Benefit Options available to Beneficiary:

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Any SDO will be subject to the following criteria:

(a) Any SDO will be available to similarly situated contracts uniformly, and on the basis of objective criteria consistently applied;

(b) The availability of any SDO may be limited by terms and conditions applicable to the election of such SDO; and

(c) Aetna may discontinue the availability of an SDO at any time. Except to the extent required to comply with applicable law, discontinuance of an SDO will apply only to future elections and will not affect SDOs in effect at the time an option is discontinued.

If the Contract Holder or Annuitant dies before Annuity payments start, the Beneficiary is entitled to a death benefit under the Contract. If the Contract is owned jointly, the death benefit is paid at the death of the first joint Contract Holder to die. The claim date is the date when proof of death and the Beneficiary's claim are received in good order at Aetna's home office. The amount of the death benefit is determined as follows:

(a) Death of Annuitant: The guaranteed death benefit is the greatest of:

(1)	The sum of all Net Purchase Payment(s) made to the Contract (as of the date of death) minus the sum of all amounts surrendered, applied to an Annuity, or deducted from the Contract;
(2)	The highest step-up value, as of the date of death, prior to the Annuitant's 75th birthday. A step-up value is determined on each anniversary of the Effective Date. Each step-up value is calculated as the Contract's Current Value on the Effective Date anniversary, increased by the amount of any Purchase Payment(s) made, and decreased by the sum of all amounts surrendered, deducted, and/or applied to an Annuity option since the Effective Date anniversary.
(3)	The Contract's Current Value as of the date of death.

The excess, if any, of the guaranteed death benefit value over the Contract's Current Value is determined as of the date of death. Any excess amount will be deposited to the Contract and allocated to Aetna Variable Encore Fund as of the claim date. The Current Value on the claim date plus any excess amount deposited becomes the Contract's Current Value.

(b) Death of the Contract Holder if the Contract Holder is not the Annuitant: The death benefit amount is the Adjusted Current Value on the claim date. A

Surrender Fee may apply to any full or partial surrender (see 3.13 and Contract Schedule I).

(c) At the death of a spousal Beneficiary who continued the Contract in his or her own name, the death benefit amount is equal to the Adjusted Current Value less any applicable Surrender Fee (see 3.13 and Contract Schedule I) on the amount of any Purchase Payment(s) made since the death of the Annuitant.

(d) Death of the spousal beneficiary of a Contract Holder who was not the Annuitant and who continued the Contract: The death benefit amount equals the Adjusted Current Value on the claim date. A Surrender Fee may apply to any full or partial surrender (see 3.14 and Contract Schedule I).

Prior to any election, or until amounts must be otherwise distributed under this section, the Current Value will be retained in the Contract. The Beneficiary has the right to allocate or reallocate any amount to any of the available investment options (subject to an MVA, if applicable). The following options are available to the Beneficiary:

(a) When the Contract Holder is the Annuitant: If the Annuitant dies, (or when the Contract Holder is a nonnatural person):

(1) If the Beneficiary is the surviving spouse, the spousal Beneficiary will be the successor Contract Holder and may exercise all Contract Holder rights under the Contract and continue in the Accumulation Period, or may elect (i) or (ii) below. Under the Code, distributions from the Contract are not required until the spousal Beneficiary's death. The spousal Beneficiary may elect to:

(i) Apply some or all of the Adjusted Current Value to an Annuity option (see 4.07); or

(ii) Receive, at any time, a lump sum payment equal to the Adjusted Current Value.

(2) If the Beneficiary is other than the surviving spouse, then options (i) or (ii) above apply. Any portion of the death benefit not applied to an

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3.11      Death Benefit Options available to Beneficiary (Cont'd):

(b)

(c)

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Annuity option within one year of the Contract Holder's death, must be distributed within five years of the date of death.

(3)	If no Beneficiary exists, a lump sum payment equal to the Adjusted Current Value must be made to the Contract Holder's estate within five years of the date of death. If the Contract Holder is a nonnatural person, the death benefit is paid in one lump sum to the Contract Holder.
(4)	If the Beneficiary is an entity, a lump sum payment equal to the Adjusted Current Value must be made within five years of the date of death.

When the Contract Holder is not the Annuitant when the Contract Holder dies:

(1)	If the Beneficiary is the Contract Holder's surviving spouse, the spousal
	Beneficiary	will be the successor Contract Holder and may exercise all
	Contract	Holder rights under the Contract and continue in the
	Accumulation	Period, or may elect (i) or (ii) below. Under the Code,
	distributions	from the Contract are not required until the spousal
	Beneficiary's	death. The spousal Beneficiary may elect to:
	(i)	Apply some or all of the Adjusted Current Value to an Annuity option (see 4.07); or
	(ii)	Receive, at any time, a lump sum payment equal to the Surrender Value.
(2)	If the Beneficiary is other than the Contract Holder's surviving spouse,
	then	options (i) or (ii) under (1) above apply. Any portion of the death
	benefit	not applied to an Annuity option within one year of the Contract
	Holder's	death will be subject to a Surrender Fee, if applicable, and
	must	be distributed within five years of the date of death.
(3)	If no Beneficiary exists, a lump sum payment equal to the Surrender Value
	must	be made to the Contract Holder's estate within five years of the
	date	of death.
(4)	If the Beneficiary is an entity, a lump sum payment equal to the
	Surrender	Value must be made within five years of the date of death.

When the Contract Holder is a natural person and not the Annuitant, when the Annuitant dies, the Beneficiary (or the Contract Holder if no Beneficiary exists) may elect to:

(i)	Apply all or some of the Adjusted Current Value to an Annuity option within 60 days of the date of death; or
(ii)	Receive a lump sum payment equal to the Adjusted Current Value.

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<PAGE>

3.12	Liquidation of Surrender Value:	All or any portion of the Current Value may be surrendered at any time. Surrender
		requests can be submitted as a percentage of the Current Value or as a specific
		dollar amount. Net Purchase Payment amounts are withdrawn first, and then the
		excess value, if any. For any partial surrender, amounts are withdrawn on a pro
		rata basis from the Fund(s) and/or the Guaranteed Term(s) Groups of the AG Account
		in which the Current Value is invested. Within a Guaranteed Term Group, the amount
		to be surrendered or transferred will be withdrawn first from the oldest Deposit
		Period, then from the next oldest, and so on until the amount requested is satisfied.
		After deduction of the Maintenance Fee, if applicable, the surrendered amount shall
		be reduced by a Surrender Fee, if applicable. An MVA may apply to amounts surrendered
		from the AG Account.
3.13	Surrender Fee:	The Surrender Fee only applies to the Net Purchase Payment(s) portion surrendered
		and varies according to the elapsed time since deposit (see Contract Schedule I).
		Net Purchase Payment amounts are withdrawn in the same order they were applied.
		No Surrender Fee is deducted from any portion of the Net Purchase Payment which is
		paid:
		(a)	To a Beneficiary due to the Annuitant's death before Annuity payments start, up
			to a maximum of the aggregate Net Purchase Payment(s) minus the total of all
			partial surrenders, amounts applied to an Annuity and deductions made prior to
the Annuitant's date of death;
		(b)	As a premium for an Annuity option (see 4.07);
		(c)	As a distribution under an SDO (see 3.09);
		(d)	At least 12 months after the date of the first Purchase Payment to the
			Contract, in an amount not to exceed the amount shown on Contract Schedule I
			under Annual Waiver of Surrender Fee. This waiver of the Surrender Fee applies
			to the first full or partial surrender in the calendar year. This waiver is not
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(e)

(f)

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<PAGE>

3.13 Surrender Fee (Cont'd):

(g)

(h)

Page 12 of 21

available if a systematic distribution option has been in effect at any time during the calendar year;

For a full surrender where the Contract's Current Value is $2,500 or less and no surrenders have been taken from the Contract within the prior 12 months;

By Aetna under 3.15; or

If the Annuitant has spent at least 45 consecutive days in a licensed nursing care facility and each of the following conditions are met:

(1)	more than one calendar year has elapsed since the date the Contract was issued; and
(2)	the surrender is requested within 3 years of admission to a licensed nursing care facility.

This waiver does not apply if the Annuitant was in a nursing care facility at the time the Contract was issued.

Under a qualified Contract when the amount withdrawn is equal to the minimum distribution required by the Code for the Contract calculated using a method permitted under the Code and agreed to by Aetna.

3.14	Payment of Surrender Value:	Under certain emergency conditions, Aetna may defer payment:
		(a)	For a period of up to 6 months (unless not allowed by state law); or
		(b)	As provided by federal law.
3.15	Payment of Adjusted Current	Upon 90 days' written notice to the Contract Holder, Aetna will terminate any
	Value:	Contract if the Current Value becomes less than $2,500 immediately following any
		partial surrender. Aetna does not intend to exercise this right in cases where the
		Current Value is reduced to $2,500 or less solely due to investment performance. A
		surrender fee will not be deducted from the Adjusted Current Value.
IV.	ANNUITY PROVISIONS

- ------------------------------------------------------------------------------------------------------------------------------------

4.01	Choices:	The Contract Holder may tell Aetna to apply any portion of the Adjusted Current
		Value (minus any premium tax, if applicable,) to any Annuity under option (see
		4.07).	The first Annuity payment may not be earlier than one calendar year after
		the initial Purchase Payment nor later than the later of:
		(a)	The first day of the month following the Annuitant's 85th birthday; or
		(b)	The tenth anniversary of the last Purchase Payment. In lieu of the election of
			an Annuity, the Contract Holder may tell Aetna to make a lump sum payment.

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<PAGE>

4.01	Choices (Cont'd):	When an Annuity option is chosen, Aetna must also be told if payments are to be made
other than monthly and whether to pay:
		(a)	A Fixed Annuity using the General Account;
		(b)	A Variable Annuity using any of the Fund(s) available under this Contract for
			Annuity purposes; or

4.02      Terms of Annuity Options:

(c) A combination of (a) and (b).

If a Fixed Annuity is chosen, the Annuity purchase rate for the option chosen reflects at least the Minimum Guaranteed Interest Rate (see Contract Schedule II), but may reflect a higher interest rate. If a Variable Annuity is chosen, the initial Annuity payment for the option chosen reflects the assumed annual return rate elected. (see Contract Schedule II).

During the Annuity Period when a Variable Annuity has been elected, at the request of the Contract Holder, all or any portion of the amount allocated to a Fund may be transferred to any other Fund available during the Annuity Period. Four transfers, without charge, are allowed each calendar year. Aetna reserves the right to change the number of transfers allowed.

Transfer requests must be expressed as a percentage of the allocation among the Funds of the amount upon which the Variable Annuity will be based. Aetna reserves the right to establish a minimum transfer amount. Transfers will be effective as of the Valuation Period in which Aetna receives a transfer request in good order at its Home Office.

(a) When payments start, the age of the Annuitant plus the number of years for which payments are guaranteed must not exceed 95.

(b) An Annuity option may not be elected if the first payment would be less than

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4.02      Terms of Annuity Options (Cont'd):

4.03 Death of Annuitant/Beneficiary:

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<PAGE>

4.03      Death of Annuitant/Beneficiary (Cont'd):

4.04      Fund(s) Annuity Units - Separate Account:

Page 13 of 21

$50 or if the total payments in a year would be less than $250 (less if required by state law). Aetna reserves the right to increase the minimum first Annuity payment amount and the minimum annual Annuity payment amount based upon increases reflected in the Consumer Price Index-Urban, (CPI-U) since July 1, 1993.

(c) If a Fixed Annuity is chosen Aetna will use the applicable current settlement rate if it will provide higher Fixed Annuity payments.

(d) For purposes of calculating the guaranteed first payment of a Variable Annuity or the payments for a Fixed Annuity, the Annuitant's and second Annuitant's adjusted age will be used. The Annuitant's and second Annuitant's adjusted age is his or her age as of the birthday closest to the Annuity commencement date reduced by one year for Annuity commencement dates occurring during the period of time from July 1, 1993 through December 31, 1999. The Annuitant's and second Annuitant's age will be reduced by two years for Annuity commencement dates occurring during the period of time from January 1, 2000 through December 31, 2009. The Annuitant's and second Annuitant's age will be reduced by one additional year for Annuity commencement dates occurring in each succeeding decade.

The Annuity purchase rates for options 2 and 3 are based on mortality from 1983 Table a.

(e) Assumed Annual Net Return Rate is the interest rate used to determine the amount of the first Annuity payment under a Variable Annuity as shown on Contract Schedule II. The Separate Account must earn this rate plus enough to cover the mortality and expense risks charges (which may include profit) and administrative charges if future Variable Annuity Payments are to remain level, (see Annuity return factor under Variable Annuity Assumed Annual Net Return Rate on Contract Schedule II).

(f) Once elected, Annuity payments cannot be commuted to a lump sum except for Variable Annuity payments under option 1 (see 4.07). The life expectancy of the Annuitant and the Annuitant and second Annuitant shall be irrevocable upon the election of an Annuity option.

(a) Contract Holder is Annuitant: When the Contract Holder is the Annuitant and the Annuitant dies under option 1 or 2, or if both the Annuitant and the second Annuitant die under option 3(d), the present value of any remaining guaranteed payments will be paid in one sum to the Beneficiary, or upon election by the Beneficiary, any remaining payments will continue to the Beneficiary. If option 3 has been elected and the Contract Holder dies, the remaining payments will continue to the successor payee. If no successor payee has been designated, the Beneficiary will be treated as the successor payee. If the Contract has joint Contract Holders, the surviving joint Contract Holder will be deemed the successor payee.

(b) Contract Holder is Not Annuitant: When the Contract Holder is not the Annuitant and the Contract Holder dies, the remaining payments will continue to the successor payee. If no successor payee has been designated, the Beneficiary will be treated as the successor payee. If the Contract has joint Contract Holders, the surviving joint Contract Holder will be deemed the successor payee.

If the Annuitant dies under option 1 or 2, or if both the Annuitant and the second Annuitant die under option 3(d), the present value of any remaining guaranteed payments will be paid in one sum to the Beneficiary, or upon the election by the Beneficiary, any remaining payments will continue to the Beneficiary. If option 3 has been elected, and the Annuitant dies, the remaining payments will continue to the Contract Holder.

(c) No Beneficiary Named/Surviving: If there is no Beneficiary, the present value of any remaining payments will be paid in one sum to the Contract Holder, or if the Contract Holder is not living, then to the Contract Holder's estate.

(d) If the Beneficiary or the successor payee dies while receiving Annuity payments, the present value of any remaining guaranteed payments will be paid in one sum to the successor Beneficiary/payee, or upon election by the successor Beneficiary/payee, any remaining payments will continue to the successor Beneficiary/payee. If no successor Beneficiary/payee has been designated, the present value of any remaining guaranteed payments will be paid in one sum to the Beneficiary's/payee's estate.

(e) The present value will be determined as of the Valuation Period in which proof of death acceptable to Aetna and a request for payment is received at Aetna's home office. The interest rate used to determine the first payment will be used to calculate the present value.

The number of each Fund's Annuity units is based on the amount of the first Variable Annuity payment which is equal to:

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(a) The portion of the Current Value applied to pay a Variable Annuity (minus any premium tax); divided by

(b) 1,000; multiplied by

(c) The payment rate for the option chosen.

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<PAGE>

4.04	Fund(s) Annuity Units --	Such amount, or portion, of the variable payment will be divided by the appropriate
	Separate Account (Cont'd):	Fund Annuity unit value (see 4.05) on the tenth Valuation Period before the due date
		of the first payment to determine the number of each Fund Annuity units. The number
		of each Fund Annuity units remains fixed. Each future payment is equal to the sum of
		the products of each Fund Annuity unit value multiplied by the appropriate number of
		Units. The Fund Annuity unit value on the tenth Valuation Period prior to the due
		date of the payment is used.
4.05	Fund(s) Annuity Unit Value --	For any Valuation Period, a Fund Annuity unit value is equal to:
	Separate Account:
		(a)	The value for the previous Period; multiplied by
		(b)	The Annuity net return factor(s) (see 4.06 below) for the Period; multiplied by
		(c)	A factor to reflect the assumed annual net return rate (see Contract Schedule
			II).
		The dollar value of a Fund Annuity unit values and Annuity payments may go up or down
		due to investment gain or loss.
4.06	Annuity Net Return Factor(s) --	The Annuity net return factor(s) are used to compute Annuity payments for any Fund.
	Separate Account:
		The Annuity net return factor for each Fund is equal to 1.0000000 plus the net return
		rate.
		The net return rate is equal to:
		(a)	The value of the shares of the Fund held by the Separate Account at the end of
a Valuation Period; minus
		(b)	The value of the shares of the Fund hold by the Separate Account at the start
			of the Valuation Period; plus or minus
		(c)	Taxes (or reserves for taxes) on the Separate Account (if any); divided by
		(d)	The total value of the Fund record units and Fund Annuity units of the Separate
			Account at the start of the Valuation Period; minus
		(e)	A daily charge for Annuity mortality and expense risks, which may include
			profit, and a daily administrative charge (at the annual rate as shown on
			Contract Schedule II).
		A net return rate may be more or less than 0%.
		The value of a share of the Fund is equal to the net assets of the Fund divided by
		the number of shares outstanding.
		Payments shall not be changed due to changes in the mortality or expense results or
		administrative charges.

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4.07	Annuity Options:	Option 1 -- Payments for a Specified Period: Payments are made for the number of
		years specified by the Contract Holder. The number of years must be at least five
		and not more than 30.
		Option 2 -- Life income based on the life of one Annuitant: Payments are made until
		the death of the Annuitant. When this option is elected, the Contract Holder must
		also choose one of the following:
		(a)	payments cease at the death of the Annuitant;
		(b)	payments are guaranteed for a specified period from five to 30 years;
		(c)	cash refund: when the Annuitant dies, the Beneficiary will receive a lump sum
			payment equal to the amount applied to the Annuity option (less any premium
			tax, if applicable) less the total amount of Annuity payments made prior to
			such death. This cash refund feature is only available if the total amount
			applied to the Annuity option is allocated to a Fixed Annuity.
		Option 3 -- Life income based on the lives of two Annuitants: Payments are made for
		the lives of two Annuitants, one of whom is designated the second Annuitant, and
		cease only when both Annuitants have died. When this option is elected, the Contract
		Holder must also choose one of the following:
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(a) 100% of the payment to continue after the first death; (b) 66-2/3% of the payment to continue after the first death; (c) 50% of the payment to continue after the first death;

(d) 100% of the payment to continue after the first death and payments are guaranteed for a period of five to 30 years;

(e) 100% of the payment to continue at the death of the designated second Annuitant and 50% of the payment to continue at the death of the Annuitant; or

(f) 100% of the payment continues after the first death with a cash refund feature. When the Annuitant and designated second Annuitant die, the Beneficiary will receive a lump sum payment equal to the amount applied to the Annuity option (less any premium tax) less the total amount of Annuity payments paid prior to such death. This cash refund feature is only available if the total amount applied to the Annuity option is allocated to a Fixed Annuity.

If a Fixed Annuity is chosen under Option 1, Option 2 (a) or (b), or Option 3 (a) or (d), the Contract Holder may elect, at the time the Annuity option is selected, an annual increase of one, two or three percent compounded annually.

As allowed under applicable state law, Aetna reserves the right to offer additional Annuity options.

</TABLE>

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<PAGE>

OPTION 1: Payments for a Specified Period

- --------------------------------------------------------------------------------Monthly Amount for Each $1,000* Rates for a Fixed Annuity with a 3% Guaranteed Interest Rate - --------------------------------------------------------------------------------Years Payment Years Payment

• ---------------------- --------------------- --------------------- -------------

5	17.91	18	5.96
6	15.14	19	5.73
7	13.16	20	5.51
8	11.68	21	5.32
9	10.53	22	5.15
10	9.61	23	4.99
11	8.86	24	4.84
12	8.24	25	4.71
13	7.71	26	4.59
14	7.26	27	4.47
15	6.87	28	4.37
16	6.53	29	4.27
17	6.23	30	4.18

- --------------------------------------------------------------------------------

First Month Amount for Each $1,000*

Rates for a Variable Annuity with a 3.5% Assumed Interest Rate

- --------------------------------------------------------------------------------

Years Payment Years Payment

• ---------------------- --------------------- --------------------- -------------

5	18.12	18	6.20
6	15.35	19	5.97
7	13.38	20	5.75
8	11.90	21	5.56
9	10.75	22	5.39
10	9.83	23	5.24
11	9.09	24	5.09
12	8.46	25	4.96
13	7.94	26	4.84
14	7.49	27	4.73
15	7.10	28	4.63
16	6.76	29	4.53
17	6.47	30	4.45

- --------------------------------------------------------------------------------First Month Amount for Each $1,000* Rates for a Variable Annuity with a 5% Assumed Interest Rate - --------------------------------------------------------------------------------

Years

Payment

Years

Payment

• ---------------------- --------------------- --------------------- -------------

5	18.74	18	6.94
6	15.99	19	6.71
7	14.02	20	6.51
8	12.56	21	6.33
9	11.42	22	6.17
10	10.51	23	6.02
11	9.77	24	5.88
12	9.16	25	5.76
13	8.64	26	5.65
14	8.20	27	5.54
15	7.82	28	5.45
16	7.49	29	5.36
17	7.20	30	5.28
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• -------------------------------------------------------------------------------- * Net of any applicable premium tax deduction

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<PAGE>

     Option 2: Life Income Based on the Life of One Annuitant <TABLE> <CAPTION>

- -----------------------------------------------------------------------------------------------------------------------Monthly Payment Amount for Each $1,000* Rates for a Fixed Annuity with 3% Guaranteed Interest Rate - -----------------------------------------------------------------------------------------------------------------------

	Option 2(a):	Option 2(b):	Option 2(b):	Option 2(b):	Option 2(b):	Option 2(c):
	payments for	payments	payments	payments	payments	Cash Refund
	life	guaranteed 5	guaranteed 10	guaranteed 15	guaranteed 20
Adjusted		years	years	years	years

Age of ----------------- ----------------- ------------------ ----------------- ------------------ ------------------

Annuitant Male Female Male Female Male Female Male Female Male Female Male Female

• -------- ------- --------- ------- --------- ------- ---------- ------- --------- -------- --------- -------- ---------

<S>	<C>	<C>	<C>	<C>	<C>	<C>	<C>	<C>	<C>	<C>	<C>	<C>
50	$ 4.27	$ 3.90	$ 4.26	$ 3.90	$ 4.22	$ 3.89	$ 4.17	$ 3.86	$ 4.08	$ 3.82	$ 4.04	$ 3.78
51	4.34	3.97	4.33	3.96	4.30	3.95	4.23	3.92	4.14	3.88	4.10	3.84
52	4.43	4.03	4.41	4.03	4.37	4.01	4.30	3.98	4.20	3.93	4.16	3.89
53	4.51	4.10	4.50	4.10	4.45	4.08	4.37	4.04	4.26	3.99	4.23	3.95
54	4.60	4.18	4.59	4.17	4.54	4.15	4.45	4.11	4.32	4.04	4.29	4.01
55	4.70	4.25	4.68	4.25	4.62	4.22	4.53	4.18	4.39	4.11	4.37	4.07
56	4.80	4.34	4.78	4.33	4.72	4.30	4.61	4.25	4.45	4.17	4.44	4.13
57	4.91	4.42	4.89	4.41	4.82	4.38	4.69	4.32	4.51	4.23	4.52	4.20
58	5.03	4.52	5.00	4.51	4.92	4.47	4.78	4.40	4.58	4.30	4.61	4.28
59	5.15	4.61	5.12	4.60	5.03	4.56	4.87	4.48	4.65	4.37	4.69	4.35
60	5.28	4.72	5.25	4.70	5.14	4.66	4.96	4.57	4.71	4.44	4.78	4.43
61	5.43	4.83	5.39	4.81	5.27	4.76	5.06	4.66	4.78	4.51	4.88	4.52
62	5.58	4.95	5.53	4.93	5.39	4.87	5.16	4.75	4.84	4.58	4.98	4.60
63	5.74	5.08	5.69	5.05	5.53	4.98	5.26	4.85	4.90	4.65	5.09	4.70
64	5.91	5.21	5.85	5.18	5.66	5.10	5.36	4.95	4.96	4.72	5.20	4.80
65	6.10	5.36	6.03	5.32	5.81	5.22	5.46	5.05	5.02	4.79	5.31	4.90
66	6.30	5.51	6.21	5.47	5.96	5.36	5.56	5.16	5.08	4.86	5.44	5.01
67	6.51	5.67	6.41	5.63	6.12	5.50	5.66	5.26	5.13	4.93	5.56	5.12
68	6.73	5.85	6.62	5.80	6.28	5.65	5.77	5.37	5.18	5.00	5.70	5.24
69	6.97	6.04	6.84	5.98	6.44	5.80	5.86	5.49	5.23	5.06	5.84	5.37
70	7.23	6.25	7.07	6.18	6.61	5.97	5.96	5.60	5.27	5.12	5.98	5.51
71	7.51	6.47	7.32	6.39	6.79	6.14	6.05	5.71	5.31	5.18	6.14	5.65
72	7.80	6.71	7.58	6.62	6.96	6.32	6.14	5.83	5.34	5.23	6.30	5.80
73	8.12	6.98	7.85	6.86	7.14	6.50	6.23	5.94	5.37	5.28	6.47	5.96
74	8.46	7.26	8.14	7.12	7.32	6.69	6.31	6.04	5.40	5.32	6.65	6.13
75	8.82	7.57	8.45	7.40	7.50	6.89	6.38	6.14	5.42	5.35	6.83	6.31

- -----------------------------------------------------------------------------------------------------------------------</TABLE> * Net of any applicable premium tax deduction

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     Option 2 Life Income Based on the Life of One Annuitant <TABLE> <CAPTION>

- ----------------------------------------------------------------------------------------------------------------First Month Payment Amount for Each $1,000* Rates for a Variable Annuity with 3.5% Assumed Interest Rate - ----------------------------------------------------------------------------------------------------------------

	Option 2(a):	Option 2(b):	Option 2(b):	Option 2(b):	Option 2(b):
	payments for life	payments	payments	payments	payments
Adjusted		guaranteed 5 years	guaranteed 10 years	guaranteed 15 years	guaranteed 20 years

Age of ------------------- -------------------- -------------------- -------------------- --------------------Annuitant Male Female Male Female Male Female Male Female Male Female

• -------- --------- --------- ---------- --------- ---------- --------- --------- ---------- --------- ----------

<S>	<C>	<C>	<C>	<C>	<C>	<C>	<C>	<C>	<C>	<C>
50	$ 4.56	$ 4.20	$ 4.55	$ 4.19	$ 4.51	$ 4.18	$ 4.45	$ 4.15	$ 4.36	$ 4.11
51	4.64	4.26	4.62	4.25	4.58	4.24	4.51	4.21	4.42	4.16
52	4.72	4.32	4.70	4.32	4.66	4.30	4.58	4.26	4.48	4.21
53	4.80	4.39	4.79	4.38	4.74	4.36	4.65	4.32	4.53	4.27
54	4.89	4.46	4.87	4.46	4.82	4.43	4.73	4.39	4.59	4.32
55	4.99	4.54	4.97	4.53	4.91	4.50	4.80	4.46	4.65	4.38
56	5.09	4.62	5.07	4.61	5.00	4.58	4.88	4.53	4.72	4.44
57	5.20	4.71	5.17	4.70	5.10	4.66	4.96	4.60	4.78	4.50
58	5.32	4.80	5.29	4.79	5.20	4.75	5.05	4.68	4.84	4.57
59	5.44	4.90	5.41	4.88	5.31	4.84	5.14	4.76	4.91	4.63
60	5.57	5.00	5.53	4.99	5.42	4.93	5.23	4.84	4.97	4.70
61	5.71	5.11	5.67	5.09	5.54	5.03	5.32	4.93	5.03	4.77
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62	5.86	5.23	5.81	5.21	5.66	5.14	5.42	5.02	5.09	4.84
63	6.02	5.36	5.97	5.33	5.79	5.25	5.51	5.11	5.16	4.91
64	6.20	5.49	6.13	5.46	5.93	5.37	5.61	5.21	5.21	4.98
65	6.38	5.64	6.31	5.60	6.07	5.49	5.71	5.31	5.27	5.05
66	6.58	5.79	6.49	5.75	6.22	5.63	5.81	5.41	5.32	5.12
67	6.79	5.95	6.69	5.91	6.38	5.76	5.91	5.52	5.38	5.18
68	7.02	6.13	6.89	6.08	6.53	5.91	6.01	5.63	5.42	5.25
69	7.26	6.32	7.11	6.26	6.70	6.06	6.11	5.74	5.47	5.31
70	7.52	6.53	7.35	6.45	6.86	6.23	6.20	5.85	5.51	5.37
71	7.80	6.75	7.59	6.66	7.03	6.39	6.29	5.96	5.54	5.42
72	8.09	6.99	7.85	6.89	7.21	6.57	6.38	6.07	5.57	5.47
73	8.41	7.26	8.12	7.13	7.38	6.75	6.46	6.17	5.60	5.51
74	8.75	7.54	8.41	7.39	7.55	6.94	6.53	6.28	5.63	5.55
75	9.12	7.85	8.71	7.66	7.73	7.13	6.61	6.38	5.65	5.59

- ----------------------------------------------------------------------------------------------------------------</TABLE> * Net of any applicable premium tax deduction

I-MP2(5/97)

31

<PAGE>

     Option 2 Life Income Based on the Life of One Annuitant <TABLE> <CAPTION>

- ----------------------------------------------------------------------------------------------------------------First Month Payment Amount for Each $1,000* Rates for a Variable Annuity with 5% Assumed Interest Rate - ----------------------------------------------------------------------------------------------------------------

	Option 2(a):	Option 2(b):	Option 2(b):	Option 2(b):	Option 2(b):
	payments for life	payments	payments	payments	payments
Adjusted		guaranteed 5 years	guaranteed 10 years	guaranteed 15 years	guaranteed 20 years

Age of ------------------- -------------------- -------------------- -------------------- --------------------Annuitant Male Female Male Female Male Female Male Female Male Female

• -------- --------- --------- ---------- --------- ---------- --------- --------- ---------- --------- ----------

<S>	<C>	<C>	<C>	<C>	<C>	<C>	<C>	<C>	<C>	<C>
50	$ 5.48	$ 5.12	$ 5.46	$ 5.11	$ 5.41	$ 5.09	$ 5.34	$ 5.06	5.24	$ 5.01
51	5.55	5.17	5.53	5.17	5.48	5.14	5.40	5.11	5.29	5.05
52	5.63	5.23	5.61	5.23	5.55	5.20	5.46	5.16	5.34	5.10
53	5.71	5.30	5.69	5.29	5.62	5.26	5.53	5.22	5.40	5.15
54	5.80	5.37	5.77	5.36	5.70	5.33	5.60	5.27	5.45	5.20
55	5.89	5.44	5.86	5.43	5.79	5.39	5.67	5.34	5.51	5.25
56	5.99	5.52	5.96	5.51	5.87	5.47	5.74	5.40	5.56	5.31
57	6.10	5.60	6.06	5.59	5.97	5.54	5.82	5.47	5.62	5.37
58	6.21	5.69	6.17	5.67	6.06	5.62	5.90	5.54	5.68	5.42
59	6.33	5.79	6.29	5.77	6.17	5.71	5.98	5.61	5.74	5.48
60	6.46	5.89	6.41	5.87	6.28	5.80	6.06	5.69	5.79	5.55
61	6.60	6.00	6.55	5.97	6.39	5.90	6.15	5.77	5.85	5.61
62	6.75	6.11	6.69	6.08	6.51	6.00	6.24	5.86	5.91	5.67
63	6.91	6.23	6.84	6.20	6.64	6.10	6.33	5.95	5.96	5.73
64	7.09	6.37	7.00	6.33	6.77	6.22	6.42	6.04	6.02	5.80
65	7.27	6.51	7.18	6.46	6.91	6.34	6.52	6.13	6.07	5.86
66	7.47	6.66	7.36	6.61	7.05	6.46	6.61	6.23	6.12	5.92
67	7.68	6.82	7.55	6.76	7.20	6.60	6.70	6.33	6.16	5.99
68	7.91	7.00	7.76	6.93	7.35	6.74	6.80	6.43	6.21	6.04
69	8.15	7.19	7.98	7.11	7.51	6.89	6.89	6.54	6.25	6.10
70	8.41	7.39	8.21	7.30	7.67	7.04	6.97	6.64	6.28	6.15
71	8.69	7.62	8.45	7.51	7.83	7.21	7.06	6.74	6.32	6.20
72	8.99	7.86	8.70	7.73	8.00	7.38	7.14	6.85	6.35	6.25
73	9.31	8.12	8.97	7.97	8.16	7.55	7.21	6.95	6.37	6.29
74	9.65	8.41	9.26	8.23	8.33	7.73	7.29	7.04	6.39	6.3
75	10.02	8.72	9.55	8.50	8.50	7.92	7.35	7.14	6.41	6.36

- ----------------------------------------------------------------------------------------------------------------</TABLE> * Net of any applicable premium tax deduction

I-MP2(5/97)

32

<PAGE>

     Option 3: Life Income Based on the Lives of Two Annuitants <TABLE> <CAPTION>

- ----------------------------------------------------------------------------------------------------------------------Monthly Payment Amount for Each $1,000* Rates for a Fixed Annuity with 3% Guaranteed Interest Rate Annuitant is Female and Second Annuitant is Male - ----------------------------------------------------------------------------------------------------------------------Adjusted Ages - ---------------------------Second

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Annuitant

Annuitant Option 3(a) Option 3(b)

Option 3(c)

Option 3(d)

Option 3(e)

Option 3(f)

• ------------- ------------- -------------- --------------- -------------- -------------- --------------- -------------

<S>	<C>	<C>	<C>	<C>	<C>	<C>	<C>
55	50	$ 3.75	$ 4.07	$ 4.26	$ 3.75	$ 3.98	$ 3.72
55	55	3.88	4.25	4.47	3.87	4.06	3.85
55	60	3.99	4.44	4.71	3.98	4.12	3.94
60	55	4.06	4.47	4.71	4.06	4.37	4.02
60	60	4.24	4.71	4.99	4.23	4.47	4.17
60	65	4.38	4.97	5.32	4.38	4.54	4.29
65	60	4.49	5.01	5.32	4.48	4.89	4.39
65	65	4.72	5.33	5.70	4.71	5.02	4.59
65	70	4.93	5.68	6.15	4.91	5.14	4.74
70	65	5.07	5.75	6.17	5.05	5.60	4.87
70	70	5.40	6.21	6.70	5.36	5.79	5.13
70	75	5.69	6.68	7.32	5.62	5.96	5.29
75	70	5.89	6.82	7.40	5.81	6.63	5.48
75	75	6.37	7.45	8.15	6.23	6.92	5.78
75	80	6.78	8.11	8.99	6.54	7.15	5.93

- ----------------------------------------------------------------------------------------------------------------------</TABLE> * Net of any applicable premium tax deduction

I-MP2(5/97)

33

<PAGE>

     Option 3: Life Income Based on the Lives of Two Annuitants <TABLE> <CAPTION>

- --------------------------------------------------------------------------------------------------------First Month Payment Amount for Each $1,000* Rates for a Variable Annuity with 3.5% Assumed Interest Rate Annuitant is Female and Second Annuitant is Male - --------------------------------------------------------------------------------------------------------Adjusted Ages - ---------------------------Second Annuitant Annuitant Option 3(a) Option 3(b) Option 3(c) Option 3(d) Option 3(e)

• ------------- ------------- -------------- --------------- -------------- -------------- ---------------

<S>	<C>	<C>	<C>	<C>	<C>	<C>
55	50	$ 4.03	$ 4.36	$ 4.55	$ 4.03	$ 4.27
55	55	4.16	4.54	4.76	4.15	4.34
55	60	4.27	4.73	5.00	4.26	4.40
60	55	4.34	4.76	5.00	4.34	4.65
60	60	4.51	4.99	5.27	4.50	4.74
60	65	4.66	5.25	5.61	4.65	4.82
65	60	4.76	5.29	5.60	4.75	5.16
65	65	4.99	5.61	5.99	4.98	5.30
65	70	5.19	5.97	6.44	5.17	5.41
70	65	5.34	6.03	6.46	5.31	5.88
70	70	5.67	6.49	6.99	5.62	6.07
70	75	5.95	6.96	7.61	5.87	6.23
75	70	6.16	7.10	7.68	6.07	6.90
75	75	6.64	7.73	8.43	6.48	7.19
75	80	7.04	8.39	9.29	6.79	7.42

- --------------------------------------------------------------------------------------------------------</TABLE> * Net of any applicable premium tax deduction

I-MP2(5/97)

34

<PAGE>

     Option 3: Life Income Based on the Lives of Two Annuitants <TABLE> <CAPTION>

- ---------------------------------------------------------------------------------------------------------------First Month Payment Amount for Each $1,000* Rates for a Variable Annuity with 5% Assumed Interest Rate Annuitant is Female and Second Annuitant is Male - ---------------------------------------------------------------------------------------------------------------Adjusted Ages

- --------------------------------
	Second
Annuitant	Annuitant	Option 3(a)	Option 3(b)	Option 3(c)	Option 3(d)	Option 3(e)

• ---------------- --------------- --------------- -------------- --------------- --------------- ---------------

<S>	<C>	<C>	<C>	<C>	<C>	<C>
55	50	$ 4.93	$ 5.27	$ 5.46	$ 4.93	$ 5.17
55	55	5.04	5.44	5.66	5.04	5.23
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55	60	5.15	5.63	5.91	5.14	5.29
60	55	5.21	5.65	5.89	5.21	5.53
60	60	5.37	5.87	6.16	5.37	5.62
60	65	5.52	6.14	6.51	5.51	5.70
65	60	5.61	6.16	6.49	5.60	6.03
65	65	5.83	6.49	6.87	5.82	6.15
65	70	6.04	6.84	7.34	6.00	6.27
70	65	6.17	6.90	7.33	6.13	6.73
70	70	6.49	7.35	7.87	6.44	6.91
70	75	6.77	7.84	8.51	6.68	7.07
75	70	6.97	7.96	8.56	6.87	7.75
75	75	7.45	8.60	9.33	7.27	8.04
75	80	7.86	9.28	10.20	7.57	8.27

- ---------------------------------------------------------------------------------------------------------------</TABLE> * Net of any applicable premium tax deduction

I-MP2(5/97)

35

<PAGE>

     Option 3: Life Income Based on the Lives of Two Annuitants <TABLE> <CAPTION>

- ------------------------------------------------------------------------------------------------------------------------------Monthly Payment Amount for Each $1,000* Rates for a Fixed Annuity with 3% Guaranteed Interest Rate Annuitant is Male and Second Annuitant is Female - ------------------------------------------------------------------------------------------------------------------------------Adjusted Ages

- -------------------------------
	Second
Annuitant	Annuitant	Option 3(a)	Option 3(b)	Option 3(c)	Option 3(d)	Option 3(e)	Option 3(f)

• --------------- --------------- --------------- -------------- --------------- --------------- --------------- ---------------

<S>	<C>	<C>	<C>	<C>	<C>	<C>	<C>
55	50	$ 3.69	$ 4.05	$ 4.27	$ 3.69	$ 4.13	$ 3.67
55	55	3.88	4.25	4.47	3.87	4.25	3.85
55	60	4.06	4.47	4.71	4.06	4.36	4.02
60	55	3.99	4.44	4.71	3.98	4.55	3.94
60	60	4.24	4.71	4.99	4.23	4.70	4.17
60	65	4.49	5.01	5.32	4.48	4.85	4.39
65	60	4.38	4.97	5.32	4.38	5.10	4.29
65	65	4.72	5.33	5.70	4.71	5.32	4.59
65	70	5.07	5.75	6.17	5.05	5.54	4.87
70	65	4.93	5.68	6.15	4.91	5.86	4.74
70	70	5.40	6.21	6.70	5.36	6.18	5.13
70	75	5.89	6.82	7.40	5.81	6.49	5.48
75	70	5.69	6.68	7.32	5.62	6.92	5.29
75	75	6.37	7.45	8.15	6.23	7.40	5.78
75	80	7.07	8.34	9.16	6.78	7.85	6.17

- ------------------------------------------------------------------------------------------------------------------------------</TABLE> * Net of any applicable premium tax deduction

I-MP2(5/97)

36

<PAGE>

     Option 3: Life Income Based on the Lives of Two Annuitants <TABLE> <CAPTION>

- ---------------------------------------------------------------------------------------------------------------First Month Payment Amount for Each $1,000* Rates for a Variable Annuity with 3.5% Assumed Interest Rate Annuitant is Male and Second Annuitant is Female - ---------------------------------------------------------------------------------------------------------------Adjusted Ages

- --------------------------------
	Second
Annuitant	Annuitant	Option 3(a)	Option 3(b)	Option 3(c)	Option 3(d)	Option 3(e)

• ---------------- --------------- --------------- -------------- --------------- --------------- ---------------

<S>	<C>	<C>	<C>	<C>	<C>	<C>
55	50	$ 3.97	$ 4.35	$ 4.56	$ 3.97	$ 4.42
55	55	4.16	4.54	4.76	4.15	4.54
55	60	4.34	4.76	5.00	4.34	4.64
60	55	4.27	4.73	5.00	4.26	4.83
60	60	4.51	4.99	5.27	4.50	4.98
60	65	4.76	5.29	5.60	4.75	5.13
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65	60	4.66	5.25	5.61	4.65	5.39
65	65	4.99	5.61	5.99	4.98	5.60
65	70	5.34	6.03	6.46	5.31	5.81
70	65	5.19	5.97	6.44	5.17	6.14
70	70	5.67	6.49	6.99	5.62	6.47
70	75	6.16	7.10	7.68	6.07	6.77
75	70	5.95	6.96	7.61	5.87	7.20
75	75	6.64	7.73	8.43	6.48	7.68
75	80	7.33	8.62	9.45	7.02	8.13

- ---------------------------------------------------------------------------------------------------------------</TABLE> * Net of any applicable premium tax deduction

I-MP2(5/97)

37

<PAGE>

     Option 3: Life Income Based on the Lives of Two Annuitants <TABLE> <CAPTION>

- ---------------------------------------------------------------------------------------------------------------------------First Month Payment Amount for Each $1,000* Rates for a Variable Annuity with 5% Assumed Interest Rate Annuitant is Male and Second Annuitant is Female - ---------------------------------------------------------------------------------------------------------------------------

Adjusted Ages
- -----------------------------------
	Second
Annuitant	Annuitant	Option 3(a)	Option 3(b)	Option 3(c)	Option 3(d)	Option 3(e)

• ------------------ ---------------- ----------------- ---------------- ----------------- ----------------- ----------------

<S>	<C>	<C>	<C>	<C>	<C>	<C>
55	50	$ 4.88	$ 5.26	$ 5.48	$ 4.88	$ 5.34
55	55	5.04	5.44	5.66	5.04	5.43
55	60	5.21	5.65	5.89	5.21	5.53
60	55	5.15	5.63	5.91	5.14	5.73
60	60	5.37	5.87	6.16	5.37	5.86
60	65	5.61	6.16	6.49	5.60	6.01
65	60	5.52	6.14	6.51	5.51	6.28
65	65	5.83	6.49	6.87	5.82	6.47
65	70	6.17	6.90	7.33	6.13	6.67
70	65	6.04	6.84	7.34	6.00	7.03
70	70	6.49	7.35	7.87	6.44	7.33
70	75	6.97	7.96	8.56	6.87	7.62
75	70	6.77	7.84	8.51	6.68	8.08
75	75	7.45	8.60	9.33	7.27	8.55
75	80	8.14	9.49	10.35	7.80	8.98

- ---------------------------------------------------------------------------------------------------------------------------

</TABLE>
* Net of any applicable premium tax deduction
I-MP2(5/97)
38
<PAGE>
- --------------------------------------------------------------------------------
Aetna Insurance Company of America
Home Office: 151 Farmington Avenue
P.O. Box 30670
Hartford, Connecticut 06150-0670
(800) 531-4547
Individual Variable, Fixed, or Combination Annuity Contract
Nonparticipating
- --------------------------------------------------------------------------------
ALL PAYMENTS AND VALUES PROVIDED BY THE CONTRACT, WHEN BASED ON INVESTMENT
EXPERIENCE OF A SEPARATE ACCOUNT, ARE VARIABLE AND ARE NOT GUARANTEED AS TO
FIXED DOLLAR AMOUNT. THIS CONTRACT CONTAINS A MARKET VALUE ADJUSTMENT FORMULA.
APPLICATION OF A MARKET VALUE ADJUSTMENT MAY RESULT IN EITHER AN INCREASE OR
DECREASE IN THE CURRENT VALUE. THE MARKET VALUE ADJUSTMENT FORMULA DOES NOT
APPLY TO A GUARANTEED TERM AT THE TIME OF ITS MATURITY.
- --------
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Page 21 of 21

I-MP2(5/97)

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03/26/2018

EX-16

Page 1 of 24

Exhibit 16(4)(m) - Aetna Insurance Company of America
Home Office: 151 Farmington Avenue
P.O. Box 30670
Hartford, Connecticut 06150-0670
(800) 531-4547
You may call the toll-free number shown above for answers to
questions or to resolve a complaint.
Aetna Insurance Company of America (We or Us), a stock company, agrees to pay
benefits according to the terms and conditions set forth in this Contract.
- -------------------------------------------------------------------------------
Certificate of Group Annuity Coverage
Aetna certifies that an account is established for you under the Group Annuity
Contract and Certificate numbers shown below.
This certificate describes Group Annuity Contract provisions. It replaces any
and all prior certificates or endorsements issued to you under the stated
Contract and Certificate numbers. This Certificate is for information only and
is not a part of the Contract.
The variable features of the Group Contract are described in sections 6 and 12.
- -------------------------------------------------------------------------------
Right to Cancel
The Certificate Holder may cancel the Certificate within ten (10) days of
receiving it by returning it to Us at the address above or the person from whom
it was purchased. Within seven (7) days of the cancellation request, We will
return the Certificate Holder's Purchase Payment(s) made plus any increase, or
minus any decrease on the amount allocated to the Separate Account.
Signed at the home office on the Effective Date.
/s/ Dan Kearney	/s/ Maria F. McKeon
President	Secretary
- ---------------------------------------------------------
Contract Holder	Group Annuity Contract Number
SPECIMEN	SPECIMEN
SPECIMEN
- ---------------------------------------------------------
Certificate Holder	Certificate Number
SPECIMEN	SPECIMEN
SPECIMEN
- ---------------------------------------------------------
Annuitant Name	Type of Plan
SPECIMEN	SPECIMEN
SPECIMEN
<PAGE>
ALL PAYMENTS AND VALUES PROVIDED BY THE GROUP CONTRACT, WHEN BASED ON INVESTMENT
EXPERIENCE OF A SEPARATE ACCOUNT, ARE VARIABLE AND ARE NOT GUARANTEED AS TO
FIXED DOLLAR AMOUNT. THIS CERTIFICATE CONTAINS A MARKET VALUE ADJUSTMENT
FORMULA. APPLICATION OF A MARKET VALUE ADJUSTMENT MAY RESULT IN EITHER AN
INCREASE OR DECREASE IN THE CURRENT VALUE. THE MARKET VALUE ADJUSTMENT FORMULA
DOES NOT APPLY TO A GUARANTEED TERM AT THE TIME OF ITS MATURITY.
	2
<PAGE>
Table of Contents
<TABLE>
<CAPTION>
		Page
<S>		<C>
Right to Cancel		1
Contract Schedule		5
Separate Account		5
AICA Guaranteed Account (AG Account)		5
Separate Account and AG Account		5
Fixed Annuity		7
Section 1. Definitions		8
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		Page 2 of 24
Section 2.	General Provisions	10
	The Contract	10
	Certificates	10
	Nonparticipating Contract	10
	Misstatements and Adjustments	10
	Reports	10
	Premium Taxes	10
	Protection of Proceeds	10
	Evidence of Survival	11
	Proof of Age	11
	Change of Contract	11
Section 3.	Ownership	12
	Group Contract Holder	12
	Certificate Holder Rights	12
	Transfer of Ownership	12
Section 4.	Beneficiary Provisions	12
	Beneficiary	12
	Change of Beneficiary	13
	Death of Beneficiary	13
Section 5. Purchase Payments		13
	Purchase Payments	13
	Allocation of Purchase Payments	13
Section 6.	Separate Account	13
	General	13
	Investment Allocations to the Separate Account	14
	Valuation of Assets	14
	Accumulation Unit	14
	Net Return Factor for Each Valuation Period	14
	Administrative Charge	15
	Mortality Risk Charge	15
	Expense Risk Charge	15
	Mortality and Expense Guarantee	15
	3
<PAGE>
		Page
Section 7. AG Account		15
	AG Account Guaranteed Interest Rate	15
	Deposit Period	15
	Guaranteed Term	15
	Guaranteed Term(s) Groups	15
	Maturity Date	15
	Allocation of Net Purchase Payments to the AG Guaranteed Account	16
	AG Account Guaranteed Term Maturity Date and Maturity Value	16
	Withdrawals from the AG Account	16
	Reinvestment	17
	AG Account Market Value Adjustment (Factor)	17
Section 8. Certificate Holder's Account Value; Transfers and Withdrawals
During the Accumulation Period		18
	Certificate Holder's Account Value	18
	Transfers During the Accumulation Period	18
	Withdrawals During the Accumulation Period	19
	Deferred Sales Charge	19
	Waiver of Deferred Sales Charge	19
	Payment of Adjusted Certificate Holder Account Value	19
	Systematic Withdrawal Option (SWO)	20
Section 9.	Maintenance Charge	21
	Maintenance Charge	21
Section 10. Proceeds Payable on Death		21
	Death of the Certificate Holder Prior to the Annuity Date	21
	Death Benefit Amount Prior to the Annuity Date	21
	Death Benefit Payment Methods	23
	Death of Certificate Holder On or After the Annuity Date	23
	Death of the Annuitant	23
Section 11. Delay of Payments		24
	Delay of Payments	24
Section 12. Annuity Provisions		24
	Designation of Annuitant	24
	Terms of Annuity Options	25
	Annuity Unit	26
	Annuity Unit Value	26
	Annuity Net Return Factor	26
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Page 3 of 24

     Annuity Options 27 </TABLE>

4

<PAGE>

Contract Schedule

Separate Account

- -----------------------------------------------------------------------------

Separate Account:	Variable Account B
Charges to the	A daily charge is deducted from the assets of the Separate
Separate Account:	Account. The deduction is the daily equivalent of the
	annual effective percentage shown below:
	(a)	During the Accumulation Period:
		Administrative Charge	0.15%
		Mortality Risk Charge	0.35%
		Expense Risk Charge	0.90%
		TOTAL Separate Account Charges
		During Accumulation Period	1.40%
	(b)	During the Annuity Period
		Administrative Charge Not To Exceed	0.25%
		Mortality Risk Charge	0.35%
		Expense Risk Charge	0.90%
		TOTAL Maximum Separate Account Charges
		During Annuity Period	1.50%

AICA Guaranteed Account (AG Guaranteed Account)

- ------------------------------------------------------------------------------

Minimum Guaranteed	3.0%
Interest Rate
(effective annual rate
of return):

Separate Account and AG Account

- -------------------------------------------------------------------------------

Minimum Initial	$1,500
Purchase Payment:
Minimum Subsequent	$500 or $50 per month if paid by an automatic check plan
Purchase Payment:
Maximum Subsequent	$1,000,000 without home office approval
Purchase Payment:
Transfers:	We allow an unlimited number of transfers during the
	Accumulation Period. Twelve (12) transfers in any
	calendar year are free. Thereafter, We reserve the right
	to charge a transfer charge up to $10 for each subsequent
	transfer.
5
<PAGE>
Maintenance Charge:	The annual maintenance charge is $30.	If the Certificate
	Holder's Account is $50,000 or more on the date the
	maintenance charge is to be deducted, the maintenance
	charge is $0.
Deferred Sales	For each withdrawal from a Certificate Holder's Account, a
Charge:	deferred sale charge for each Net Purchase Payment will be
	determined as follows:
	Years from Receipt of	Deferred
	Net Purchase Payment	Sales Charge

	0-1	7%
	1-2	6%
	2-3	5%
	3-4	4%
	4-5	3%
	5-6	2%
	6-7	1%
	7+	0%
Waiver of Deferred	Section 8.05 provides for the following:
Sales Charge:

(c)	At least 12 months after the date of the first Purchase Payment in an amount equal to or less than 15% of the Certificate Holder's Account Value.
(d)	For a full withdrawal where the Certificate Holder's Account Value does not exceed $2,500 and no

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	withdrawals have been taken from the Certificate
	Holder's Account within the prior 12 months.
Systematic	(a) Specified Payment - Maximum Percentage:	10%
Withdrawal Option:
	(b) Specified Period - Minimum Period:	10 years
	(c) Specified Percentage - Maximum Percentage:	10%
Death Benefit Factor: 4%
Death Benefit	There is no maximum death benefit amount.
Maximum Amount:
Death Benefit	85 years
Maximum Age:
Fund for Allocation	Federated Prime Money Fund II
of Excess Guaranteed
Death Benefit Value:

6

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Latest Annuity Date: The Certificate Holder's 90th birthday.

Fixed Annuity

- -------------------------------------------------------------------------------

Minimum Guaranteed	3.0%
Interest Rate
(effective annual rate
of return):

7

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Section 1. Definitions

• -------------------------------------------------------------------------------

• Accumulation Period - The period during which one or more Net Purchase

Payments applied to a Certificate Holder's Account accumulate to
provide future Annuity payments.

1.02	Accumulation Unit - A measure of the net investment results for each variable investment option during the Accumulation Period. The Accumulation Units for the applicable Funds are used to calculate the portion of a Certificate Holder's Account Value attributable to a Separate Account during the Accumulation Period.
1.03	Adjusted Certificate Holder Account Value - The Certificate Holder's Account Value, plus or minus any aggregate AG Account Market Value Adjustment.
1.04	AICA Guaranteed Account (AG Account) - An investment option where We guarantee specified rate(s) of interest for specified periods of time.
	The AG Account is a separate account established by Us in accordance with the provisions of the Connecticut General Statutes Section 38a-433. Certificate Holders do not participate in the investment gain or loss from the assets held in the AG Account. Assets in the AG Account may be charged with liabilities arising out of any other business We may conduct.
1.05	Annuitant - The natural person on whose life an Annuity payment is based.
1.06	Annuity - A series of payments We make for life, a definite period or a combination of the two.
1.07	Annuity Date - The date on which Annuity payments commence.
1.08	Annuity Options - Annuity payment methods available during the Annuity Period.
1.09	Annuity Period - The period of time during which Annuity payments are made.
1.10	Annuity Unit - A measure of the net investment results for each variable investment option during the Annuity Period. Annuity Units are used to calculate the amount of each variable Annuity payment.
1.11	Beneficiary - The person(s) entitled to receive any death benefit under the Certificate Holder's Account. Upon the death of a joint Certificate Holder, the surviving joint Certificate Holder, if any, is
treated	as the Beneficiary. Any other Beneficiary designation on
record	with Us at the time of death is treated as a contingent
Beneficiary.
1.12	Certificate - The document issued to a Certificate Holder to evidence
a	Certificate Holder's Account established under the group Contract.

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1.13	Certificate Holder - A person who has established a Certificate Holder's Account under a group Contract. We reserve the right to limit ownership to natural persons. If more than one Certificate Holder owns an Account, each Certificate Holder shall be a joint Certificate Holder. Any joint Certificate Holder must be the spouse of the other joint Certificate Holder. Joint Certificate Holders have joint ownership rights and both must authorize any exercising of those ownership rights unless otherwise allowed by Us. If the Certificate Holder's Account is owned by a nonnatural person, the death benefit will be paid at the death of the Annuitant and a new Annuitant may not be named.
1.14	Certificate Holder's Account - A record We establish for each Certificate Holder to maintain values under a group Contract.
1.15	Certificate Holder's Account Value - The dollar value as of any Valuation Period of all amounts accumulated in a Certificate Holder's Account.
1.16	Contract - This agreement between the Group Contract Holder and Us.
1.17	Dollar Cost Averaging - A program that permits the Certificate Holder to systematically transfer amounts from any of the Funds and the one-year guaranteed term of the AG Account to any of the Funds. Dollar Cost Averaging is not available if the Systematic Withdrawal Option is in effect.
1.18	Effective Date - The date a Certificate is issued to a Certificate Holder.
1.19	Fund - One of the variable investment options which may be selected by a Certificate Holder.
1.20	General Account - The General Account is made up of all of our general assets other than those allocated to the separate accounts.
1.21	Group Contract Holder - The entity to which a group Contract is issued.
1.22	Home Office - Our headquarters, located at 151 Farmington Avenue,
Hartford,	CT 06156.
1.23	Market Value Adjustment - An adjustment that may apply to a withdrawal
made	from the AG Account before the end of a guaranteed term as stated
in	Section 7.10.
1.24	Net Purchase Payment - The Purchase Payment less premium taxes, if
applicable.
1.25	Purchase Payment - The gross payment accepted by Us and allocated to
the	Certificate Holder's Account. We reserve the right to refuse to
accept	any Purchase Payment at any time for any reason.

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1.26	Separate Account - A separate account that buys and holds shares of the Fund(s). Income, gains or losses, realized or unrealized, are credited or charged to the Separate Account without regard to Our other income, gains or losses. We own the assets held in the Separate Account and are not a trustee as to such amounts. The Separate Account generally is not guaranteed and is held at market value. The name of the Separate Account is shown on the Contract Schedule. The assets of the Separate Account, to the extent of reserves and other Contract liabilities of the Separate Account, will not be charged with Our other liabilities.
1.27	Valuation Period - The period of time for which a Fund determines its net asset value, usually from 4:15 p.m. Eastern time each day the New York Stock Exchange is open until 4:15 p.m. the next such business day, or such other day that one or more of the Funds determines its net asset value. The assets of the Separate Account are not chargeable with the liabilities arising out of any other business We may conduct.
1.28	Variable Annuity Contract - An Annuity Contract providing for the accumulation of value and/or for Annuity payments which vary in amount based on investment results.

Section 2. General Provisions

• -------------------------------------------------------------------------------

• The Contract - The entire Contract consists of this Contract and any

endorsements attached or subsequently issued.

2.02      Certificates - A Certificate is issued to each Certificate Holder whose Purchase Payment(s) is accepted by Us. The Certificate evidences a Certificate Holder's Account established under the Contract.

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Certificates are not part of the Contract.

2.03	Nonparticipating Contract - Neither the Group Contract Holder, Certificate Holder nor any Beneficiary have a right to share in our earnings.
2.04	Misstatements and Adjustments - If We learn that the age of any Annuitant or second Annuitant is misstated, the correct age will be used to adjust payments. We reserve the right to request reimbursement or adjust future payments for any amount overpaid. We will pay the amount of any underpayment.
2.05	Reports - We furnish each Certificate Holder with a report showing the Certificate Holder's Account Value at least once each calendar year.
	We also furnish an annual report of the Separate Account.
2.06	Premium Taxes - Any premium taxes paid to any governmental entity are charged against Purchase Payments or a Certificate Holder's Account.
	We may, at our sole discretion, pay premium taxes when due and deduct that amount from the Certificate Holder's Account at a later date. Payment at an earlier date does not waive any right We may have to deduct amounts at a later date.
2.07	Protection of Proceeds - To the extent permitted by law, all payments under this Contract to a Certificate Holder or Beneficiary shall be free from legal process and the claim of any creditor.

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2.08	Evidence of Survival - The Company may require satisfactory evidence
	of	the continued survival of any person(s) on whose life Annuity
	payments	are based.
2.09	Proof of Age - The Company may require evidence of age of any
	Annuitant	under Annuity Options 2 and 3 and of the designated second
	Annuitant	under Annuity Option 3.
2.10	Change of Contract - Only our authorized officers may change the terms
	of	this Contract. We will notify the Group Contract Holder in writing
	at	least 30 days before the effective date of any change. Any change
	will	not affect the amount or terms of any Annuity which begins before
	the	change.
	We	may make any change that affects the AG Account Market Value
	Adjustment	with at least thirty (30) days' advance written notice to
	the	Group Contract Holder and the Certificate Holder. Any such change
	shall	become effective for any new guaranteed term and will apply to
	all	present and future Certificate Holders' Accounts.
	We	reserve the right to change the terms of the Systematic Withdrawal
	Option	for future elections and discontinue the availability of this
	option.
	Any	change to any of the following provisions under this Contract will
	not	apply to Certificate Holder's Accounts in existence before the
	effective	date of the change:
	(a)	Net Purchase Payment (1.24)
	(b)	AG Account Guaranteed Interest Rate (7.01)
	(c)	Net Return Factor (6.05)
	(d)	Certificate Holder's Account Value (1.15)
	(e)	Deferred Sales Charge (8.04)
	(f)	Annuity Unit Value (12.04)
	(g)	Annuity Options (12.06)
	(h)	Fixed Annuity Interest Rates (12.01)
	(i)	Transfers (8.02).
	Any	change that affects the Annuity Option and the tables for the
	Annuity	Options may be made:
	(a)	No earlier than twelve (12) months after the Effective Date; and
	(b)	No earlier than twelve (12) months after the effective date of any prior change.
	Any	Certificate Holder's Account established on or after the effective
	date	of any change will be subject to the change. If the Group
	Contract	Holder does not agree to any change under this provision, We
	reserve	the right to not allow any new Certificate Holder's Accounts
	to	be established under this Contract. This Contract may also be
	changed	as deemed necessary by Us to comply with federal or state law.

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Section 3. Ownership

• -------------------------------------------------------------------------------

• Group Contract Holder - The Group Contract Holder has title to the

Contract. The Contract and any amounts accumulated thereunder are not subject to the claims of the Group Contract Holder nor any of its

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creditors.

3.02	Certificate Holder Rights - The Certificate Holder has all interest
	and	right to amounts held in his or her Certificate Holder's Account.
	The	Certificate Holder and any joint Certificate Holder are named on
	the	Specifications page. The Certificate Holder and any joint
	Certificate	Holder may exercise all the rights under the Certificate
	Holder's	Account, subject to the rights of:
	(a)	Any assignee under an assignment filed at our home office; and
	(b)	Any irrevocably named Beneficiary.
	Upon	the death of a Certificate Holder prior to the Annuity Date, a
	spousal	Beneficiary may elect to continue the Certificate Holder's
	Account	in his or her own name and retain all ownership rights and
	privileges	or take distribution of the death benefit as defined in
	Section	10.
3.03	Transfer of Ownership - The Group Contract Holder may transfer
	ownership	of this Contract. A written request, dated and signed, must
	be	filed at our home office.
	Any	transfer of ownership terminates the interest of any existing
	Group	Contract Holder. It does not change the rights of any
	Certificate	Holder.
	A	Certificate Holder may transfer all of his or her rights under the
	Contract.	We reserve the right not to accept an assignment or transfer
	to	a nonnatural person. A written request, dated and signed by the
	Certificate	Holder and any joint Certificate Holder, must be filed at
	our	home office. After the transfer is recorded, it will take effect
	as	of the date the request was signed. Any such transfer terminates
	the	interest of any existing Certificate Holder. It does not change
	the	Beneficiary, nor transfer the Beneficiary's interest. A transfer
	will	not affect any payments We may make or actions We may take before
	such	transfer has been recorded at our home office.

Section 4. Beneficiary Provisions

• --------------------------------------------------------------------------------

• Beneficiary - The Certificate Holder may name a Beneficiary and a

contingent Beneficiary. At the death of the Certificate Holder prior to the Annuity Date, the Beneficiary(ies) named in our records will receive a death benefit as stated in Section 10. Upon the death of either joint Certificate Holder prior to the Annuity Date, the surviving joint Certificate Holder, if any, will be treated as the designated Beneficiary and any other Beneficiary designation on record with Us at the time of death is treated as a contingent Beneficiary. If the Certificate Holder is a nonnatural person, the death benefit will be paid at the death of the Annuitant.

12

<PAGE>

4.02	Change of Beneficiary - The Certificate Holder may change the Beneficiary. A written request, dated and signed by the Certificate Holder, must be filed at our home office. If there are joint Certificate Holders, both must sign the request. After the change is recorded, it will take effect as of the date the request was signed.
	If the request reaches our home office and is recorded after the Certificate Holder dies, but before any payment is made, the change is valid.
4.03	Death of Beneficiary - If all of the Beneficiaries and contingent Beneficiaries die prior to the Certificate Holder's death, We pay the death benefit in one sum to the Certificate Holder's estate. If the Certificate Holder is a nonnatural person, and all of the Beneficiaries and contingent Beneficiaries die prior to the Annuitant's death, We will pay the death benefit in one sum to the Certificate Holder.

Section 5. Purchase Payments

• -------------------------------------------------------------------------------

• Purchase Payments - Subject to the maximum and minimum shown on the

Contract Schedule, the Certificate Holder may determine the amount and frequency of Purchase Payments. We reserve the right not to accept any Purchase Payment. We will declare from time to time the acceptability of additional Purchase Payments.

5.02	Allocation of Purchase Payments - The Certificate Holder may elect to
	have	each Net Purchase Payment accumulate:
	(a)	On a variable basis invested in shares of one or more Funds in which the Separate Account invests;
	(b)	For guaranteed terms offered in the current deposit period(s) under the AG Account; or
	(c)	In a combination of any of the available investment options.
	Net	Purchase Payments must be allocated in whole percentages. For
	subsequent	Purchase Payments, if no allocation instructions are

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received with the Purchase Payment, the allocation will be as indicated in the most recent directive from the Certificate Holder. If the same guaranteed term(s) are not available, the next shortest will be used. If no shorter guaranteed term is available, the next longer guaranteed term will be used.

Section 6. Separate Account

• -------------------------------------------------------------------------------

• General - The assets of the Separate Account, equal to the reserves

and other Contract liabilities that depend on the investment performance of the Separate Account are not chargeable with liabilities arising out of any other business We may conduct. Income, gains or losses of the Separate Account, realized or unrealized, are credited to or charged against the assets of the Separate Account without regard to Our other income, gains or losses.

13

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6.02	Investment Allocations to the Separate Account - The assets of the
	Separate	Account are segregated by Fund. If the shares of any Fund are
	no	longer available for investment by the Separate Account or if in
	our	judgment, further investment in such shares should become
	inappropriate	in view of the purpose of the Contract, We may cease to
	make	such Fund shares available for investment under the Contract
	prospectively,	or We may substitute shares of another Fund for shares
	already	acquired. We may also, from time to time, add additional
	Funds.	Any elimination, substitution or addition of Funds will be done
	in	accordance with applicable state and federal securities laws. We
	reserve	the right to substitute shares of another Fund for shares
	already	acquired without a proxy vote.
6.03	Valuation of Assets - The shares of the Funds will be valued at their
	net	asset value at the end of each Valuation Period.
6.04	Accumulation Unit - A Net Purchase Payment that is allocated to one or
	more	Funds is credited to the Certificate Holder's Account as
	Accumulation	Units. The number of Accumulation Units credited is
	determined	by dividing the applicable portion of the Net Purchase
	Payment	by the Accumulation Unit value for the appropriate Fund. The
	Accumulation	Unit value used is that which is computed for the next
	Valuation	Period after which the Purchase Payment is received at our
	home	office. Accumulation Units attributable to the initial Purchase
	Payments	will be credited within two business days of acceptance.
	Accumulation	Unit values may increase or decrease from Valuation
	Period	to Valuation Period.
6.05	Net Return Factor for Each Valuation Period - The value of an
	Accumulation	Unit for any Valuation Period is calculated by
	multiplying	the Accumulation Unit value for the immediately preceding
	Valuation	Period by the net return factor of the appropriate Fund for
	the	current period.
	The	net return factor for each Fund is equal to 1.0000000 plus the net
	return	rate.
	The	net return rate equals:
	(a)	The value of the shares of the Fund held by the Separate Account at the end of a Valuation Period; minus
	(b)	The value of the shares of the Fund held by the Separate Account at the start of the Valuation Period; plus or minus
	(c)	Taxes (or reserves for taxes) on the Separate Account (if any); divided by
	(d)	The total value of the Funds(s) Accumulation Units and Fund(s) Annuity Units of the Separate Account at the start of the Valuation Period; minus
	(e)	A daily actuarial charge as shown on the Contract Schedule for Annuity mortality and expense risks and profit and a daily administrative charge.
	The	net return rate may be more or less than zero (0) percent.
	The	value of a share of the Fund is equal to the net assets of the
	Fund	divided by the number of shares outstanding.

14

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6.06	Administrative Charge - We deduct an administrative charge equal, on an annual basis, to the amount shown on the Contract Schedule.
6.07	Mortality Risk Charge - We deduct a mortality risk charge equal, on an annual basis, to the amount shown on the Contract Schedule.
6.08	Expense Risk Charge - We deduct an expense risk charge equal, on an annual basis, to the amount shown on the Contract Schedule.
6.09	Mortality and Expense Guarantee - We guarantee that the dollar amount

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of each Annuity payment after the first will not be affected by
variations in mortality or expense experience.

Section 7. AG Account

• --------------------------------------------------------------------------------

• AG Account Guaranteed Interest Rate - All amounts allocated to the AG

Account earn a rate of interest that is guaranteed for a specified period of time. The rate will be credited daily and will never be less than the minimum guaranteed interest rate shown on the Contract Schedule. We determine the rate and it is not based on investment experience.

For guaranteed terms of one year or less, one guaranteed interest rate is credited for the full guaranteed term. For longer guaranteed terms, an initial guaranteed interest rate is credited from the date of deposit to the end of a specified period within the guaranteed term. There may be different guaranteed interest rate(s) declared for subsequent specified time intervals throughout the guaranteed term.

7.02	Deposit Period - A calendar week, a calendar month, a calendar quarter, or any other period of time We specify during which Net Purchase Payment(s), transfers and reinvestments are accepted into the AG Account for one or more guaranteed terms. We reserve the right to extend the deposit period.
7.03	Guaranteed Term - The period of time for which AG Account guaranteed interest rates are guaranteed on Net Purchase Payments. Transfers and reinvestments are made into a current deposit period for the AG
	Account. Such period begins on the day following the close of the deposit period and ends on the designated Maturity Date. Guaranteed terms, if any, are offered at our discretion for various lengths of time ranging up to and including ten years.
	During a deposit period, We may make available any number of guaranteed terms. The Certificate Holder may allocate Net Purchase Payments and transfers into any or all of the available guaranteed terms.
7.04	Guaranteed Term(s) Groups - All AG Account guaranteed term(s) with the same length of time from the close of the deposit period until the designated Maturity Date.
7.05	Maturity Date - The last day of a guaranteed term.

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7.06	Allocation of Net Purchase Payments to the AG Account - When the
	Certificate	Holder wishes to allocate all or any portion of a Net
	Purchase	Payment to the Guaranteed Account, he or she must tell Us the
	percentage	to apply to one or more of the AG Account guaranteed
	term(s)	available during the current deposit period. If no allocation
	instructions	are received, a Net Purchase Payment is allocated as
	indicated	in the most recent directive from the Certificate Holder. If
	the	same guaranteed term is not available for any amount allocated to
	the	AG Account, We will allocate the amount to the next shortest
	guaranteed	term available. If no shorter guaranteed term is available,
	We	will allocate it to the next longest guaranteed term.
7.07	AG Account Guaranteed Term Maturity Date and Maturity Value - On the
	maturity	date, the value of the total of all amounts allocated to that
	guaranteed	term is called the maturity value.
	When	Certificate Holders have assets in the AG Account, at least
	eighteen	(18) days before a maturity date, We notify them of the:
	(a)	Projected maturity value; and
	(b)	Guaranteed terms and the applicable guaranteed interest rates available during the current deposit period.
	When	no allocation instructions are received and the assets in a
	guaranteed	term have been reinvested by Us in another guaranteed term
	on	the maturity date, the Certificate Holder may transfer or withdraw,
	during	the month following the maturity date, the reinvested amount
	with	interest earned (as of the date the request is received at our
	home	office) without incurring a Market Value Adjustment. This
	transaction	is allowed only once for each maturity date, regardless of
	whether	the transfer or withdrawal is partial or full.
7.08	Withdrawals and Transfers from the AG Account - When the Certificate
	Holder	requests a withdrawal or transfer from the AG Account, if
	instructions	are not provided by the Certificate Holder, amounts are
	withdrawn	on a pro rata basis from the guaranteed term(s) groups in
	which	the Certificate Holder's Account is currently invested. Within a
	guaranteed	term group, the amount to be withdrawn will be withdrawn
	first	from the oldest deposit period. Withdrawals or transfers from an
	AG	Account guaranteed term before the maturity date are subject to a
	Market	Value Adjustment, except for:
	(a)	A one month period following the maturity date described in 7.07;
	(b)	Transfers under the Dollar Cost Averaging program; and
	(c)	Withdrawals under the Systematic Withdrawal Option described in

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Section 8.07.

Only a positive Market Value Adjustment will apply to amounts
transferred from the AG Account when the Certificate Holder elects
Annuity Option 2 or 3.

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7.09	Reinvestment - We will mail a notice to the Certificate Holder before a guaranteed term's maturity date. This notice will contain the guaranteed terms available during the current deposit periods with their guaranteed interest rate(s) and projected maturity value. If no specific direction is given by the Certificate Holder prior to the maturity date, each maturity value will be reinvested in the current deposit period for a guaranteed term of the same duration. If a guaranteed term of the same duration is unavailable, each matured term value will automatically be reinvested in the current deposit period for the next shortest guaranteed term available. If no shorter guaranteed term is available, the next longer guaranteed term will be used. We will mail a confirmation statement to the Certificate Holder after the maturity date. This notice will state the guaranteed term and guaranteed interest rate(s) which will apply to the reinvested matured term value.
7.10	AG Account Market Value Adjustment (Factor) - The Market Value Adjustment factor (MVA factor) reflects any change in interest rates from the time assets are allocated to the AG Account to the time they are transferred or withdrawn. Except as noted in Section 7.09, 10.02 and 12.01, an MVA factor is applied to any amount withdrawn or transferred from the AG Account before the end of a guaranteed term.
	The amount withdrawn from the AG Account is multiplied by the MVA factor which is calculated as follows:

x
---
365

(1+i)
------------
x
---
365
(1+j)

Where:

i	is the Deposit Period Yield
j	is the Current Yield
x	is the number of days remaining, (computed from Wednesday of the week of withdrawal) in the guaranteed Term.

Determination of MVA factor parameters:

A yield is computed at the close of the last business day of each week of the deposit period. The yield will equal the average of the yields on U.S. Treasury Notes which matured during the last three months of the applicable guaranteed term.

The deposit period yield is the average of those yields for the
deposit period. If withdrawal is made prior to the close of the
deposit period, it is the average of those yields on each week
preceding withdrawal.

The current yield is the average of the yields on the last business
day of the week preceding withdrawal on the same U.S. Treasury Notes
included in the deposit period yield.

17

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If no U.S. Treasury Notes matured during the last three months of the guaranteed term, We reserve the right to use the average of the yields on U.S. Treasury Notes that mature during a following quarter.

Section 8. Certificate Holder's Account Value; Transfers and Withdrawals During the Accumulation Period

• --------------------------------------------------------------------------------

• Certificate Holder's Account Value - The value of a Certificate

Holder's Account is determined by adding the value of the total of Accumulation Units attributed to the selected Fund(s) to the value of any amounts attributed to the AG Account.

8.02	Transfers During the Accumulation Period - Before the Annuity Date,
	the	Certificate Holder may transfer from any Fund or guaranteed term
	of	the AG Account to:
	(a)	Any other Fund; or
	(b)	Any guaranteed term of the AG Account available in the current

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deposit period.

Transfer requests can be submitted as a percentage or as a dollar amount. We may establish a minimum transfer amount. Within a guaranteed term group, the amount transferred is withdrawn first from the oldest deposit period, then from the next oldest, and so on until the amount requested is satisfied.

The Certificate Holder may make an unlimited number of transfers during the Accumulation Period. The number of free transfers allowed is shown on the Contract Schedule. Transfers in excess of that number may be subject to the transfer charge shown on the Contract Schedule. Transfers under the Dollar Cost Averaging program do not count toward the annual limit. Transfers of a matured term value from the AG Account on or within one calendar month after a guaranteed term's maturity date do not count against the annual transfer limit.

Amounts applied to guaranteed terms of the AG Account may not be transferred to the Funds or to another guaranteed term during the deposit period or for 90 days after the close of the deposit period except for (1) matured term value(s) during the calendar month following the guaranteed term's maturity date; (2) amounts applied to an annuity option; (3) transfers from the one-year guaranteed term under the Dollar Cost Averaging program; and (4) amounts distributed under the Systematic Withdrawal Option.

Except as noted in Section 7.09, 10.02 and 12.01, transfers from
guaranteed terms of the AG Account before the Maturity Date are
subject to a Market Value Adjustment.

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8.03	Withdrawals During the Accumulation Period - The Certificate Holder
	may	withdraw all or a portion of the Certificate Holder's Account
	Value	during the Accumulation Period by properly completing a
	withdrawal	request form. Withdrawal requests can be submitted as a
	percentage	or as a specific dollar amount. Net Purchase Payment
	amounts	are withdrawn first, and then the excess value, if any. For
	any	partial withdrawal, if instructions are not provided by the
	Certificate	Holder, amounts are withdrawn on a pro rata basis from the
	Fund(s),	and/or the guaranteed term(s) groups in which the Certificate
	Holder's	Account is currently invested. Within a guaranteed term
	group,	the amount to be withdrawn will be withdrawn first from the
	oldest	deposit period, then from the next oldest, and so on until the
	amount	requested is satisfied.
	After	deduction of the maintenance charge, if applicable, the
	withdrawn	amount shall be reduced by the applicable deferred sales
	charge	and any applicable premium taxes.
8.04	Deferred Sales Charge - The deferred sales charge only applies to the
	portion	of the amount withdrawn attributable to Net Purchase
	Payment(s)	and varies according to the elapsed time since receipt of
	the	Purchase Payment. The deferred sales charge is shown on the
	Contract	Schedule.
8.05	Waiver of Deferred Sales Charge - No deferred sales charge is deducted
	when	a Certificate Holder's Account Value is paid:
	(a)	To a Beneficiary as a death benefit, except for Purchase Payments made by a surviving joint Certificate Holder as described in Section 10.02(b);
	(b)	As a premium for an Annuity Option;
	(c)	At least the number of months, as shown on the Contract Schedule, after the date of the first Purchase Payment and in an amount equal to or less than the percentage of the Certificate Holder's Account Value as shown on the Contract Schedule. This applies to the first withdrawal request, partial or full, in a calendar year.
		The Certificate Holder's Account Value is calculated as of the date the withdrawal request is received in good order at our home office. This waiver is not available to the Certificate Holder while a SWO is in effect;
	(d)	For a full withdrawal where the Certificate Holder's Account Value does not exceed the amount shown on the Contract Schedule and no withdrawals have been taken from the Certificate Holder's Account within the prior 12 months;
	(e)	For a distribution made by Us under Section 8.06; or
	(f)	For a distribution which is part of a SWO under Section 8.07.
	We	reserve the right to allow the proceeds of a total withdrawal to be
	reinstated	under the terms and conditions as established by Us from
	time	to time.
8.06	Payment of Adjusted Certificate Holder Account Value - Upon 90 day's
	written	notice to the Certificate Holder, We will terminate any
	Certificate	Holder's Account if the Certificate Holder's Account Value
	becomes	less than $1,500 immediately following any partial withdrawal.
	We	do not intend to exercise this right in cases where the Certificate
	Holder's	Account Value is reduced to $1,500 or less solely due to
	investment	performance. When We make a distribution pursuant to this
	provision,	the deferred sales charge will not be deducted.

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19

<PAGE>

8.07	Systematic Withdrawal Option (SWO) - We will allow the Certificate
	Holder	to establish a schedule of withdrawals to be made automatically
	from	the Certificate Holder's Account Value. All distributed amounts
	will	be withdrawn on a pro rata basis from the Fund(s) and/or the
	guaranteed	term(s) groups of the AG Account in which the Certificate
	Holder's	Account is invested.
	The	Certificate Holder must elect one of the following SWO methods:
	(a)	Specified Payment: Payments of a designated dollar amount. The annual amount may not be greater than the percentage of the Certificate Holder's Account Value at time of the election as shown on the Contract Schedule. This annual dollar amount will remain constant. At our discretion, We may require a minimum payment amount; or
	(b)	Specified Period: Payments which are made over a period of time which must be at least the minimum period as shown on the Contract Schedule. The annual amount paid each year is calculated by dividing the Certificate Holder's Account Value as of December 31 of the prior year by the number of payment years remaining; or
	(c)	Specified Percentage: Payment of a designated percentage which cannot be greater than the percentage of the Certificate Holder's Account Value at the time of election as shown on the Contract Schedule. The percentage may be changed by written request. We reserve the right to limit the number of times the percentage may be changed. The annual amount is calculated by multiplying the Certificate Holder's Account Value as of December 31 of the year prior to the payment by the designated percentage.
	SWO	payments will cease at the Certificate Holder's death (or if the
	Certificate	Holder is a nonnatural person, at the death of the
	Annuitant)	. A beneficiary may elect to continue SWO as provided in
	Section	10.01.
	In	our discretion, We may require a minimum initial Certificate
	Holder's	Account Value for election of this option. SWO may be elected
	by	submitting a completed and signed election form to Us. Once
	elected,	this option may be revoked by submitting a written request to
	Us.	SWO may be elected only once by the Certificate Holder or by a
	spousal	Beneficiary.
	Certificate	Holders should consult their tax adviser prior to
	requesting	this distribution option. We are not responsible for any
	adverse	tax consequences due to a Certificate Holder's receiving SWO
	payments.	A ten (10) percent penalty tax may apply to distributions to
	a	Certificate Holder who has not reached age 59 1/2. Upon death of the
	Certificate	Holder, any payments will be made under the terms of
	Section	10.
	Dollar	Cost Averaging is not available to Certificate Holders who have
	elected	SWO.

20

<PAGE>

Section 9. Maintenance Charge

• -------------------------------------------------------------------------------

• Maintenance Charge - We will deduct an annual maintenance charge as

shown in the Contract Schedule from the Certificate Holder's Account during the Accumulation Period. We will deduct the maintenance charge on the anniversary of the Effective Date of the Certificate for the Certificate Holder's Account. This maintenance charge is also deducted upon withdrawal of the entire Adjusted Certificate Holder's Account. The maintenance charge is deducted proportionately from each investment option used.

Section 10. Proceeds Payable on Death

• --------------------------------------------------------------------------------

• Death of the Certificate Holder Prior to the Annuity Date - In the

event of the death of the Certificate Holder or a joint Certificate Holder prior to the Annuity Date, a death benefit is payable to the Beneficiary(ies) designated by the Certificate Holder. Upon the death of a joint Certificate Holder, the surviving joint Certificate Holder, if any, will be treated as the designated Beneficiary. Any other Beneficiary designation on record with Us at the time of death will be treated as a contingent Beneficiary. If the Certificate Holder is a nonnatural person, the death benefit will be payable to the Beneficiary(ies) at the death of the Annuitant.

A Beneficiary may request We pay the death benefit under one of the
methods described in Section 10.03. If the Beneficiary is the spouse
of the Certificate Holder, or the spouse of the Annuitant if the
Certificate Holder is a nonnatural person, he or she may elect to

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continue the Certificate Holder's Account in his or her own name and
exercise all the Certificate Holder's rights under the Contract.

10.02	Death Benefit Amount Prior to the Annuity Date -
	(a)	Except as set forth below, the amount of the guaranteed death
		benefit	value is equal to the greater of:
		(i)	The Certificate Holder's Account Value at the end of the Valuation Period during which We receive at our home office due proof of death and election of the type of payment to be made; or
		(ii)	The death benefit determined as of the Valuation Period corresponding to the date of death.

Until the first Effective Date anniversary, the death
benefit is equal to the Purchase Payments made by the
Certificate Holder prior to the Effective Date anniversary
less any withdrawals and any amounts applied to an Annuity
Option.

For each Certificate year thereafter, the death benefit
during the Certificate year equals the death benefit at the
beginning of the Certificate year plus Purchase Payments
made during the year less any withdrawals and any amounts
applied to an Annuity Option.

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<PAGE>

On each Effective Date anniversary, the death benefit is
determined as follows:

(A)	The death benefit on the previous Effective Date anniversary increased by the death benefit factor shown on the Contract Schedule; plus
(B)	Purchase Payments made by the Certificate Holder during the Certificate year increased by the death benefit factor shown on the Contract Schedule for the portion of the year since the Purchase Payment was made; less
(C)	Any withdrawals or amounts applied to an Annuity Option during the Certificate year increased by the death benefit factor shown on the Contract Schedule for the portion of the Certificate year since the withdrawal or election of Annuity option; or

(iii)      The Certificate Holder's Account Value on the most recent seventh year anniversary of the Effective Date plus any Purchase Payments made after such Effective Date anniversary less any withdrawals and any amounts applied to an Annuity Option.

Notwithstanding the foregoing, the death benefit under (ii) or
(iii) will not exceed the death benefit maximum amount shown on
the Contract Schedule.

The death benefit calculation described in (ii) and (iii) above,
applies until the Certificate Holder reaches the death benefit
maximum age shown on the Contract Schedule. If the Certificate
Holder is a nonnatural person, death provisions will be based on
the age of the Annuitant. Thereafter, the death benefit is only
adjusted for Purchase Payments, withdrawals and amounts applied to
Annuity Options. If the Certificate Holder reaches the death
benefit maximum age shown on the Contract Schedule prior to the
seventh anniversary of the Effective Date, the death benefit will
be the greater of (i) or (ii) above.

The excess, if any, of the guaranteed death benefit value over the
Certificate Holder's Account Value is determined when we receive
at our home office due proof of death and allocated to the Fund
shown on the Contract Schedule. The Certificate Holder's Account
Value plus any excess amount deposited becomes the Certificate
Holder's Account Value.

(b)      In the case of a spousal Beneficiary who continued the Certificate Holder's Account in his or her own name, the death benefit shall be equal to the Adjusted Current Value less any applicable deferred sales charge on any Purchase Payment made after We have received at our home office due proof of death of the joint Certificate Holder (or Annuitant, if applicable).

When the Beneficiary withdraws or transfers all or any portion of the death benefit in the AG Account within six months after the date of death, the amount withdrawn or transferred from the AG Account will be the greater of:

(1) The aggregate Market Value Adjustment amount (the amount resulting from the application of relevant Market Value Adjustment factors); or

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(2) The applicable portion of Certificate Holder's Account Value in
the AG Account.

22

<PAGE>

After the six-month period, when the Beneficiary withdraws or transfers all or any portion of the death benefit in the AG Account, the amount will be equal to the aggregate Market Value Adjustment amount. Only a positive market value adjustment will apply, however, to amounts transferred from the AG Account when the Beneficiary elects Annuity Option 2 or 3.

At the death of a spousal Beneficiary who continued the Certificate Holder's Account in his or her own name, when the Beneficiary withdraws or transfers all or any portion of the death benefit in the AG Account, the amount will be equal to the Aggregate Market Value Adjustment amount.

10.03	Death Benefit Payment Methods - A non-spousal Beneficiary must elect the death benefit to be paid under one of the following methods in the event of the death of the Certificate Holder prior to the Annuity Date:
	Method 1 - Lump sum payment of the death benefit; or
	Method 2 - The payment of the entire death benefit within five years of the date of the Certificate Holder's death; or
	Method 3 - Payment of the death benefit over the lifetime of the designated Beneficiary or over a period not extending beyond the life expectancy of the designated Beneficiary with distribution beginning within one year of the date of death of the Certificate Holder.
	Any portion of the death benefit not applied under Method 3 within one year of the date of Certificate Holder's death, or the death of the Annuitant if the Certificate Holder is a nonnatural person, must be distributed within five years of the date of death.
	A spousal Beneficiary may elect to continue the Certificate Holder's Account in his or her name, elect a lump sum payment of the death benefit, or apply the Adjusted Certificate Holder's Account Value to an Annuity Option.
10.04	Death of Certificate Holder On or After the Annuity Date - If the Certificate Holder who is not the Annuitant, dies on or after the Annuity Date, the remaining payments under the Annuity Option elected will be made to the Beneficiary at least as rapidly as under the
method	of distribution in effect at the Certificate Holder's death.
10.05	Death of the Annuitant - If the Annuitant, who is not a Certificate
Holder,	dies on or before the Annuity Date, a new Annuitant may be
named.	If no Annuitant is named, the Certificate Holder will be the
Annuitant.	If the Certificate Holder is a nonnatural person, the death
benefit	will be paid at the death of the Annuitant and no new
Annuitant	may be named. If the Annuitant dies after the Annuity Date,
the	death benefit, if any, will be payable to the Beneficiary as
specified	in the Annuity Option elected. We will require proof of the
Annuitant's	death. Death benefits will be paid at least as rapidly as
under	the method of distribution in effect at the Annuitant's death.

23

<PAGE>

Section 11. Delay of Payments

• --------------------------------------------------------------------------------

• Delay of Payments - We will make any payments under this Contract

within seven days after a request is received in good order. We reserve the right to suspend or postpone any type of payment from the Separate Account for any period when:

(a)	The New York Stock Exchange is closed for other than customary weekend and holiday closings;
(b)	Trading on the Exchange is restricted;
(c)	An emergency exists as a result of which it is not reasonably practicable to dispose of securities held in the Separate Account or determine their value; or
(d)	The Securities and Exchange Commission so permits delay for the protection of security holders.

The applicable rules of the Securities and Exchange Commission will
govern as to whether the conditions in (b) or (c) exist.

We also reserve the right to delay any type of payment from the AG
Account for up to six months.

Section 12. Annuity Provisions
- -------------------------------------------------------------------------------
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12.01	Designation of Annuitant - The Certificate Holder and the Annuitant
	need	not be the same person. The Certificate Holder names the
	Annuitant	and during the Accumulation Period, may change the
	designated	Annuitant. We change the Annuitant when We receive a
	written	request in good order at our home office. We will not change
	the	Annuitant when Annuity payments have commenced.
	The	Certificate Holder elects an Annuity Option by telling Us to use
	all	or any portion of the Certificate Holder's Account Value (minus
	any	applicable premium taxes if not previously deducted) to purchase
	Annuity	payments under an Annuity Option. If the Certificate Holder
	elects	Annuity Option 1, the amount applied to purchase Annuity
	payments	will be equal to the Adjusted Certificate Holder's Account
	Value.	If the Certificate Holder elects Annuity Option 2 or 3, the
	amount	applied to purchase Annuity payments will be the greater of:
	(1)	The Adjusted Certificate Holder's Account Value; or
	(2)	The Certificate Holder's Account Value.
	When	an Annuity Option is chosen the Certificate Holder must designate
	a:
	(a)	Fixed Annuity using the General Account;
	(b)	Variable Annuity using any of the Funds available during the Annuity Period; or
	(c)	Combination of (a) and (b).
	If	a fixed Annuity is chosen, We will calculate the amount using an
	interest	assumption no less than the percentage specified on the
	Contract	Schedule. We may calculate the amount using a higher interest
	rate.

24

<PAGE>

If a variable Annuity is chosen, an Assumed Annual Net Return Rate of 5% may be chosen. If not chosen, We will use an Assumed Annual Net Return Rate of 3.5%

Payments are made on a monthly basis to the Certificate Holder unless the Certificate Holder requests a different mode of payment.

Once elected, an Annuity Option may not be revoked, except for Option 1 when elected on a variable basis.

12.02	Terms of Annuity Options - The minimum first payment amount must be at
	least	$50 per month and at least $250 per year.
	If	the Certificate Holder elects a fixed Annuity and We determine that
	the	Certificate Holder would receive larger payments by applying the
	Certificate	Holder's Account Value, reduced by the deferred sales
	charge,	to a single premium immediate Annuity currently offered by Us,
	We	will make the larger payments.
	We	determine the first payment of a variable Annuity, or the payment
	amount	of a fixed Annuity, using the Annuitant's (and second
	Annuitant's	if applicable) adjusted age which We calculate as follows:
	(a)	If Annuity payments begin any time between July 1, 1992 and
		December	31, 1999, the adjusted age is the Annuitant's age as of
		the	birthday closest in time to the Annuity Date reduced by one
		(1)	year.
	(b)	If the Annuity begins any time between January 1, 2000 and
		December	31, 2009, the adjusted age is the Annuitant's age as of
		the	birthday closest in time to the Annuity Date reduced by two
		(2)	years.
	(c)	For each succeeding decade, the adjusted age is the Annuitant's
		age	as determined in (b), reduced by one additional year.
	The	Annuity rates for Options 2 and 3 are based on mortality from 1983
	Table	A.
	Assumed	Annual Net Return Rate is the interest rate used to determine
	the	amount of the first Annuity payment under a variable Annuity. The
	Separate	Account must earn this rate plus enough to cover the
	mortality	and expense risks charges (which may include profit) and
	administrative	charges if future variable Annuity payments are to
	remain	level.

25

<PAGE>

The Certificate Holder must give written notice to Us at least 30 days before the Annuity payments begin, electing or changing:

(a)	The date on which Annuity payments are to begin;
(b)	The Annuity Option;
(c)	Whether the payments are to be made monthly, quarterly, semiannually or annually;
(d)	The investment options used to provide Annuity payments.

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The first Annuity payment may not be earlier than one (1) calendar
year after the initial Purchase Payment, nor later than the later of
the:

(a)	First day of the month following the Annuitant's birthday shown on the Contract Schedule; or
(b)	Tenth anniversary of the last Purchase Payment. In lieu of the election of an Annuity, the Certificate Holder may request a lump sum payment.

12.03	Annuity Unit - The number of Annuity Units per Fund is based on the
	amount	of the first variable Annuity payment which is equal to:
	(a)	The portion of the Certificate Holder's Account Value (minus any premium taxes) applied to pay a variable Annuity; divided by,
	(b)	1000; multiplied by,
	(c)	The payment rate for the Annuity Option chosen.
	Such	amount, or portion, of the variable Annuity payment will be
	divided	by the Annuity Unit value for the appropriate Fund on the
	tenth	Valuation Period before the due date of the first payment to
	determine	the number of each Fund's Annuity Units. The number of each
	Fund's	Annuity Unit remains fixed. Each future payment is equal to the
	sum	of the products of each Fund's Annuity Unit value multiplied by
	the	appropriate number of units. The Fund's Annuity Unit value on the
	tenth	Valuation Period prior to the due date of the payment is used.
12.04	Annuity Unit Value - For any Valuation Period, a Fund's Annuity Unit
	value	is equal to:
	(a)	The value for the previous Valuation Period; multiplied by,
	(b)	The Annuity Net Return Factor for the Valuation Period; multiplied by,
	(c)	A daily factor to reflect the Assumed Annual Net Return Rate (the factor for 3.5% per year is .9999058; for 5% per year it is .9998663).
	The	dollar value of a Fund(s) Annuity Unit values and payments may go
	up	or down due to investment gain or loss.
12.05	Annuity Net Return Factor - The Annuity net return factor is used to
	compute	all Separate Account Annuity payments for any Fund.

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<PAGE>

The Annuity net return factor(s) for each Fund is equal to 1.0000000 plus the net return rate. The net return rate is equal to:

(a)	The value of the shares of the Fund held by the Separate Account at the end of a Valuation Period; minus,
(b)	The value of the shares of the Fund held by the Separate Account at the start of the Valuation Period; plus or minus,
(c)	Taxes (or reserves for taxes) on the Separate Account (if any); divided by
(d)	The total value of the Fund(s) Accumulation Units and Fund(s) Annuity Units of the Separate Account at the start of the Valuation Period; minus,
(e)	A daily actuarial charge as shown of the Contract Schedule for Annuity mortality and expense risks and profit and a daily administrative charge which will not exceed the administrative charge as shown on the Contract Schedule.

The net return rate may be more or less than zero (0) percent.

The value of a share of the Fund is equal to the net assets of the
Fund divided by the number of shares outstanding.

12.06	Annuity Options
	Option	1 - Payments for a Stated Period of Time - An Annuity will be
	paid	for the number of years chosen. The number of years must be at
	least	5 and not more than 30.
	If	payments for this Annuity Option are made under a variable Annuity,
	the	present value of any remaining payments may be withdrawn at any
	time.
	Option	2 - Life Income - An Annuity will be paid for the life of the
	Annuitant.	If also chosen, We will guarantee payments for 60, 120,
	180,	or 240 months.
	Option	3 - Life Income Based upon the Lives of Two Annuitants - An
	Annuity	will be paid during the lives of the Annuitant and a second
	Annuitant.	Payments will continue until both Annuitants have died.
	When	this Annuity Option is chosen, a choice must be made of:
	(a)	100% of the payment to continue after the first death;
	(b)	66 2/3% of the payment to continue after the first death;
	(c)	50% of the payment to continue after the first death;

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(d)	Payments for a minimum of 120 months with 100% of the payment to continue after the first death; or
(e)	100% of the payment to continue at the death of the second Annuitant and 50% of the payment to continue at the death of the Annuitant.

We may make other options available as allowed by law.

27

<PAGE>

OPTION 1

Payments for a Stated Period of Time

Amount of First Monthly Payment for Each $1,000
After Deduction of any Charge for Premium Taxes

Rates for a Fixed Annuity with Guaranteed Interest Rate of 3.0%

<TABLE>
<CAPTION>

• -------------- ---------------------- ----------------- ------------------- ------------------- -------------------

	Guaranteed	Monthly	Quarterly	Semi-Annual	Annual
Years	Rate	Payment	Payment	Payment	Payment

• -------------- ---------------------- ----------------- ------------------- ------------------- -------------------

<S>	<C>	<C>	<C>	<C>	<C>
5	3.00%	17.91	53.59	106.78	211.99
6	3.00%	15.14	45.30	90.27	179.22
7	3.00%	13.16	39.39	78.49	155.83
8	3.00%	11.68	34.96	69.66	138.31
9	3.00%	10.53	31.52	62.81	124.69
10	3.00%	9.61	28.77	57.33	113.82
11	3.00%	8.86	26.52	52.85	104.93
12	3.00%	8.24	24.65	49.13	97.54
13	3.00%	7.71	23.08	45.98	91.29
14	3.00%	7.26	21.73	43.29	85.95
15	3.00%	6.87	20.56	40.96	81.33
16	3.00%	6.53	19.54	38.93	77.29
17	3.00%	6.23	18.64	37.14	73.74
18	3.00%	5.96	17.84	35.56	70.59
19	3.00%	5.73	17.13	34.14	67.78
20	3.00%	5.51	16.50	32.87	65.26
21	3.00%	5.32	15.92	31.72	62.98
22	3.00%	5.15	15.40	30.68	60.92
23	3.00%	4.99	14.92	29.74	59.04
24	3.00%	4.84	14.49	28.88	57.33
25	3.00%	4.71	14.09	28.08	55.76
26	3.00%	4.59	13.73	27.36	54.31
27	3.00%	4.47	13.39	26.68	52.97
28	3.00%	4.37	13.08	26.06	51.74
29	3.00%	4.27	12.79	25.49	50.60
30	3.00%	4.18	12.52	24.95	49.53

- -------------- ---------------------- ----------------- ------------------- ------------------- -------------------</TABLE>

28

<PAGE>

OPTION 2

Life Income

Amount of First Monthly Payment for Each $1,000
After Deduction of any Charge for Premium Taxes

Rates for a Fixed Annuity with Guaranteed Interest Rate of 3.0%

Payments Guaranteed for a Stated Period of Months

<TABLE>
<CAPTION>

• ---------------- ---------------------- --------------------- ---------------------- ---------------------- ----------------------

Adjusted	None			60		120		180		240
Age of	-----------------------------------------------------------------------------------------------------------------
Annuitant	Male	Female	Male	Female	Male	Female	Male	Female	Male	Female

• ---------------- ---------- ----------- ---------- ---------- ----------- ---------- ----------- ---------- ---------- -----------

<S>	<C>		<C>	<C>	<C>	<C>	<C>	<C>	<C>	<C>	<C>
50	$ 4.27		$3.90	$4.26	$ 3.90	$ 4.22	$ 3.89	$ 4.17	$ 3.86	$ 4.08	$ 3.82
51		4.34	3.97	4.33	3.96	4.30	3.95	4.23	3.92	4.14	3.88
52		4.43	4.03	4.41	4.03	4.37	4.01	4.30	3.98	4.20	3.93
53		4.51	4.10	4.50	4.10	4.45	4.08	4.37	4.04	4.26	3.99
54		4.60	4.18	4.59	4.17	4.54	4.15	4.45	4.11	4.32	4.04
55		4.70	4.25	4.68	4.25	4.62	4.22	4.53	4.18	4.39	4.11
56		4.80	4.34	4.78	4.33	4.72	4.30	4.61	4.25	4.45	4.17
57		4.91	4.42	4.89	4.41	4.82	4.38	4.69	4.32	4.51	4.23
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58	5.03	4.52	5.00	4.51	4.92	4.47	4.78	4.40	4.58	4.30
59	5.15	4.61	5.12	4.60	5.03	4.56	4.87	4.48	4.65	4.37
60	5.28	4.72	5.25	4.70	5.14	4.66	4.96	4.57	4.71	4.44
61	5.43	4.83	5.39	4.81	5.27	4.76	5.06	4.66	4.78	4.51
62	5.58	4.95	5.53	4.93	5.39	4.87	5.16	4.75	4.84	4.58
63	5.74	5.08	5.69	5.05	5.53	4.99	5.26	4.85	4.90	4.65
64	5.91	5.21	5.85	5.18	5.66	5.10	5.36	4.95	4.96	4.72
65	6.10	5.36	6.03	5.32	5.81	5.22	5.46	5.05	5.02	4.79
66	6.30	5.51	6.21	5.47	5.96	5.36	5.56	5.16	5.08	4.86
67	6.51	5.67	6.41	5.63	6.12	5.50	5.66	5.26	5.13	4.93
68	6.73	5.85	6.62	5.80	6.28	5.65	5.77	5.37	5.18	5.00
69	6.97	6.04	6.84	5.98	6.44	5.80	5.86	5.49	5.23	5.06
70	7.23	6.25	7.07	6.18	6.61	5.97	5.96	5.60	5.27	5.12
71	7.51	6.47	7.32	6.39	6.79	6.14	6.05	5.71	5.31	5.18
72	7.80	6.71	7.58	6.62	6.96	6.32	6.14	5.83	5.34	5.23
73	8.12	6.98	7.85	6.86	7.14	6.50	6.23	5.94	5.37	5.28
74	8.46	7.26	8.14	7.12	7.32	6.69	6.31	6.04	5.40	5.32
75	8.82	7.57	8.45	7.40	7.50	6.89	6.38	6.14	5.42	5.35

- ---------------- ---------- ----------- ---------- ---------- ----------- ---------- ----------- ---------- ---------- -----------</TABLE>

Rates are based on mortality from 1983 Table a.

Rates for ages not shown will be provided on request and will be computed on a basis consistent with the rates in the above tables.

29

<PAGE>

OPTION 3

Life Income for Two Payees

Amount of First Monthly Payment for Each $1,000 After Deduction of any Charge for Premium Taxes

(Annuitant is Male and Second Annuitant is Female)

Rates for a Fixed Annuity with Guaranteed Interest Rate of 3.0%

<TABLE> <CAPTION>

- ------------------------------------- ----------------- ----------------- ------------------ ----------------- -----------------

Adjusted Ages
- -------------------------------------
	Second
Annuitant	Annuitant	Option 3a	Option 3b	Option 3c	Option 3d	Option 3e

• ------------------ ------------------ ----------------- ----------------- ------------------ ----------------- -----------------

<S>	<C>	<C>	<C>	<C>	<C>	<C>
55	50	$ 3.69	$ 4.05	$ 4.27	$ 3.69	$ 4.13
55	55	3.88	4.25	4.47	3.87	4.25
55	60	3.06	4.47	4.71	4.06	4.36
60	55	3.99	4.44	4.71	3.98	4.55
60	60	4.24	4.71	4.99	4.23	4.70
60	65	4.49	5.01	5.32	4.48	4.85
65	60	4.38	4.97	5.32	4.38	5.10
65	65	4.72	5.33	5.70	4.71	5.32
65	70	5.07	5.75	6.17	5.05	5.54
70	65	4.93	5.68	6.15	4.91	5.86
70	70	5.40	6.21	6.70	5.36	6.18
70	75	5.89	6.82	7.40	5.81	6.49
75	70	5.69	6.68	7.32	5.62	6.92
75	75	6.37	7.45	8.15	6.23	7.40
75	80	7.07	8.34	9.16	6.78	7.85

- ------------------ ------------------ ----------------- ----------------- ------------------ ----------------- -----------------</TABLE>

Rates are based on mortality from 1983 Table a.
The rates assume the Annuitant is Male and the Second Annuitant is Female.
Rates for ages not shown will be provided on request and will be computed
on a basis consistent with the rates in the above tables.
30
<PAGE>
OPTION 3
Life Income for Two Payees
Amount of First Monthly Payment for Each $1,000
After Deduction of any Charge for Premium Taxes
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Page 19 of 24

(Annuitant is Female and Second Annuitant is Male)

Rates for a Fixed Annuity with Guaranteed Interest Rate of 3.0%

<TABLE> <CAPTION>

- ------------------------------------- ----------------- ----------------- ------------------ ----------------- -----------------

Adjusted Ages
- -------------------------------------
	Second
Annuitant	Annuitant	Option 3a	Option 3b	Option 3c	Option 3d	Option 3e

• ------------------ ------------------ ----------------- ----------------- ------------------ ----------------- -----------------

<S>	<C>	<C>	<C>	<C>	<C>	<C>
55	50	$ 3.75	$ 4.07	$ 4.26	$ 3.75	$ 3.98
55	55	3.88	4.25	4.47	3.87	4.06
55	60	3.99	4.44	4.71	3.98	4.12
60	55	4.06	4.47	4.71	4.06	4.37
60	60	4.24	4.71	4.99	4.23	4.47
60	65	4.38	4.97	5.32	4.38	4.54
65	60	4.49	5.01	5.32	4.48	4.89
65	65	4.72	5.33	5.70	4.71	5.02
65	70	4.93	5.68	6.15	4.91	5.14
70	65	5.07	5.75	6.17	5.05	5.60
70	70	5.40	6.21	6.70	5.36	5.79
70	75	5.69	6.68	7.32	5.62	5.96
75	70	5.89	6.83	7.40	5.81	6.63
75	75	6.37	7.45	8.15	6.23	6.92
75	80	6.78	8.11	8.99	6.54	7.15

- ------------------ ------------------ ----------------- ----------------- ------------------ ----------------- -----------------</TABLE>

Rates are based on mortality from 1983 Table a.

The rates assume the Annuitant is Female and the Second Annuitant is Male. Rates for ages not shown will be provided on request and will be computed on a basis consistent with the rates in the above tables.

31

<PAGE>

OPTION 1

Payments for a Stated Period of Time

Amount of First Monthly Payment for Each $1,000
After Deduction of any Charge for Premium Taxes

Rates for a Variable Annuity with Assumed Net Return Rate of 3.5%

<TABLE>
<CAPTION>

• -------------- ---------------------- ----------------- ------------------- ------------------- -------------------

	Guaranteed			Semi-Annual
Years	Rate	Monthly Payment	Quarterly Payment	Payment	Annual Payment

• -------------- ---------------------- ----------------- ------------------- ------------------- -------------------

<S>	<C>	<C>	<C>	<C>	<C>
5	3.50%	18.12	54.19	107.92	213.99
6	3.50%	15.35	45.92	91.44	181.32
7	3.50%	13.38	40.01	79.69	158.01
8	3.50%	11.90	35.59	70.88	140.56
9	3.50%	10.75	32.16	64.05	127.00
10	3.50%	9.83	29.42	58.59	116.18
11	3.50%	9.09	27.18	54.13	107.34
12	3.50%	8.46	25.32	50.42	99.98
13	3.50%	7.94	23.75	47.29	93.78
14	3.50%	7.49	22.40	44.62	88.47
15	3.50%	7.10	21.24	42.31	83.89
16	3.50%	6.76	20.23	40.29	79.89
17	3.50%	6.47	19.34	38.51	76.37
18	3.50%	6.20	18.55	36.94	73.25
19	3.50%	5.97	17.85	35.54	70.47
20	3.50%	5.75	17.22	34.28	67.98
21	3.50%	5.56	16.65	33.15	65.74
22	3.50%	5.39	16.13	32.13	63.70
23	3.50%	5.24	15.66	31.19	61.85
24	3.50%	5.09	15.24	30.34	60.17
25	3.50%	4.96	14.85	29.56	58.62
26	3.50%	4.84	14.49	28.85	57.20
27	3.50%	4.73	14.15	28.19	55.90
28	3.50%	4.63	13.85	27.58	54.69
29	3.50%	4.53	13.57	27.02	53.57
30	3.50%	4.45	13.30	26.49	52.53

- -------------- ---------------------- ----------------- ------------------- ------------------- -------------------</TABLE>

32

<PAGE>

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Page 20 of 24

OPTION 1

Payments for a Stated Period of Time

Amount of First Monthly Payment for Each $1,000
After Deduction of any Charge for Premium Taxes

Rates for a Variable Annuity with Assumed Net Return Rate of 5.0%

<TABLE>
<CAPTION>

• -------------- ---------------------- ----------------- ------------------- ------------------- -------------------

	Guaranteed			Semi-Annual
Years	Rate	Monthly Payment	Quarterly Payment	Payment	Annual Payment

• -------------- ---------------------- ----------------- ------------------- ------------------- -------------------

<S>	<C>	<C>	<C>	<C>	<C>
5	5.00%	18.74	56.00	111.33	219.98
6	5.00%	15.99	47.77	94.96	187.64
7	5.00%	14.02	41.90	83.30	164.59
8	5.00%	12.56	37.52	74.58	147.35
9	5.00%	11.42	34.11	67.81	133.99
10	5.00%	10.51	31.40	62.42	123.34
11	5.00%	9.77	29.19	58.03	114.66
12	5.00%	9.16	27.36	54.38	107.45
13	5.00%	8.64	25.81	51.31	101.39
14	5.00%	8.20	24.50	48.69	96.21
15	5.00%	7.82	23.36	46.44	91.75
16	5.00%	7.49	22.37	44.47	87.88
17	5.00%	7.20	21.51	42.75	84.48
18	5.00%	6.94	20.74	41.23	81.47
19	5.00%	6.71	20.06	39.88	78.80
20	5.00%	6.51	19.46	38.68	76.42
21	5.00%	6.33	18.91	37.59	74.28
22	5.00%	6.17	18.42	36.62	72.35
23	5.00%	6.02	17.98	35.73	70.61
24	5.00%	5.88	17.57	34.93	69.02
25	5.00%	5.76	17.20	34.20	67.57
26	5.00%	5.65	16.87	33.53	66.25
27	5.00%	5.54	16.56	32.92	65.04
28	5.00%	5.45	16.28	32.35	63.93
29	5.00%	5.36	16.01	31.83	62.90
30	5.00%	5.28	15.77	31.35	61.95

- -------------- ---------------------- ----------------- ------------------- ------------------- -------------------</TABLE>

33

<PAGE>

OPTION 2

Life Income

Amount of First Monthly Payment for Each $1,000
After Deduction of any Charge for Premium Taxes

Rates for a Variable Annuity with Assumed Net Return Rate of 3.5%

Payments Guaranteed for a Stated Period of Months

<TABLE>
<CAPTION>

• --------------- ---------------------- --------------------- ---------------------- ---------------------- ----------------------

Adjusted	None			60		120		180		240
Age of	-----------------------------------------------------------------------------------------------------------------
Annuitant	Male	Female	Male	Female	Male	Female	Male	Female	Male	Female

• --------------- ---------- ----------- ---------- ---------- ----------- ---------- ----------- ---------- ----------- ----------

<S>	<C>	<C>	<C>	<C>	<C>	<C>	<C>	<C>	<C>	<C>
50	$ 4.56	$ 4.20	$ 4.55	$ 4.19	$ 4.51	$ 4.18	$ 4.45	$ 4.15	$ 4.36	$ 4.11
51	4.64	4.26	4.62	4.25	4.58	4.24	4.51	4.21	4.42	4.16
52	4.72	4.32	4.70	4.32	4.66	4.30	4.58	4.26	4.48	4.21
53	4.80	4.39	4.79	4.38	4.74	4.36	4.65	4.32	4.53	4.27
54	4.89	4.46	4.87	4.46	4.82	4.43	4.73	4.39	4.59	4.32
55	4.99	4.54	4.97	4.53	4.91	4.50	4.80	4.46	4.65	4.38
56	5.09	4.62	5.07	4.61	5.00	4.58	4.88	4.53	4.72	4.44
57	5.20	4.71	5.17	4.70	5.10	4.66	4.96	4.60	4.78	4.50
58	5.32	4.80	5.29	4.79	5.20	4.75	5.05	4.68	4.84	4.57
59	5.44	4.90	5.41	4.88	5.31	4.84	5.14	4.76	4.91	4.63
60	5.57	5.00	5.53	4.99	5.42	4.93	5.23	4.84	4.97	4.70
61	5.71	5.11	5.67	5.09	5.54	5.03	5.32	4.93	5.03	4.77
62	5.86	5.23	5.81	5.21	5.66	5.14	5.42	5.02	5.09	4.84
63	6.02	5.36	5.97	5.33	5.79	5.25	5.51	5.11	5.16	4.91
64	6.20	5.49	6.13	5.46	5.93	5.37	5.61	5.21	5.21	4.98
65	6.38	5.64	6.31	5.60	6.07	5.49	5.71	5.31	5.27	5.05
66	6.58	5.79	6.49	5.75	6.22	5.63	5.81	5.41	5.32	5.12
67	6.79	5.95	6.69	5.91	6.38	5.76	5.91	5.52	5.38	5.18
68	7.02	6.13	6.89	6.08	6.53	5.91	6.01	5.63	5.42	5.25
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										Page 21 of 24
69	7.26	6.32	7.11	6.26	6.70	6.06	6.11	5.74	5.47	5.31
70	7.52	6.53	7.35	6.45	6.86	6.23	6.20	5.85	5.51	5.37
71	7.80	6.75	7.59	6.66	7.03	6.39	6.29	5.96	5.54	5.42
72	8.09	6.99	7.85	6.89	7.21	6.57	6.38	6.07	5.57	5.47
73	8.41	7.26	8.12	7.13	7.38	6.75	6.46	6.17	5.60	5.51
74	8.75	7.54	8.41	7.39	7.55	6.94	6.53	6.28	5.63	5.55
75	9.12	7.85	8.71	7.66	7.73	7.13	6.61	6.38	5.65	5.59

- --------------- ---------- ----------- ---------- ---------- ----------- ---------- ----------- ---------- ----------- ----------</TABLE>

Rates are based on mortality from 1983 Table a.

Rates for ages not shown will be provided on request and will be computed on a basis consistent with the rates in the above tables.

34

<PAGE>

OPTION 2

Life Income

Amount of First Monthly Payment for Each $1,000
After Deduction of any Charge for Premium Taxes

Rates for a Variable Annuity with Assumed Net Return Rate of 5.0%

Payments Guaranteed for a Stated Period of Months

<TABLE>
<CAPTION>

• --------------- ---------------------- --------------------- ---------------------- ---------------------- ----------------------

Adjusted	None			60		120		180		240
Age of	-----------------------------------------------------------------------------------------------------------------
Annuitant	Male	Female	Male	Female	Male	Female	Male	Female	Male	Female

• --------------- ---------- ----------- ---------- ---------- ----------- ---------- ----------- ---------- ----------- ----------

<S>	<C>	<C>	<C>	<C>	<C>	<C>	<C>	<C>	<C>	<C>
50	$5.48	$5.12	$5.46	$5.11	$5.41	$5.09	$5.34	$5.06	$5.24	$5.01
51	5.55	5.17	5.53	5.17	5.48	5.14	5.40	5.11	5.29	5.05
52	5.63	5.23	5.61	5.23	5.55	5.20	5.46	5.16	5.34	5.10
53	5.71	5.30	5.69	5.29	5.62	5.26	5.53	5.22	5.40	5.15
54	5.80	5.37	5.77	5.36	5.70	5.33	5.60	5.27	5.45	5.20
55	5.89	5.44	5.86	5.43	5.79	5.39	5.67	5.34	5.51	5.25
56	5.99	5.52	5.96	5.51	5.87	5.47	5.74	5.40	5.56	5.31
57	6.10	5.60	6.06	5.59	5.97	5.54	5.82	5.47	5.62	5.37
58	6.21	5.69	6.17	5.67	6.06	5.62	5.90	5.54	5.68	5.42
59	6.33	5.79	6.29	5.77	6.17	5.71	5.98	5.61	5.74	5.48
60	6.46	5.89	6.41	5.87	6.28	5.80	6.06	5.69	5.79	5.55
61	6.60	6.00	6.55	6.97	6.39	5.90	6.15	5.77	5.85	5.61
62	6.75	6.11	6.69	6.08	6.51	6.00	6.24	5.86	5.91	5.67
63	6.91	6.23	6.84	6.20	6.64	6.10	6.33	5.95	5.96	5.73
64	7.09	6.37	7.00	6.33	6.77	6.22	6.42	6.04	6.02	5.80
65	7.27	6.51	7.18	6.46	6.91	6.34	6.52	6.13	6.07	5.86
66	7.47	6.66	7.36	6.61	7.05	6.46	6.61	6.23	6.12	5.92
67	7.68	6.82	7.55	6.76	7.20	6.60	6.70	6.33	6.16	5.99
68	7.91	7.00	7.76	6.93	7.35	6.74	6.80	6.43	6.21	6.04
69	8.15	7.19	7.98	7.11	7.51	6.89	6.89	6.54	6.25	6.10
70	8.41	7.39	8.21	7.30	7.67	7.04	6.97	6.64	6.28	6.15
71	8.69	7.62	8.45	7.51	7.83	7.21	7.06	6.74	6.32	6.20
72	8.99	7.86	8.70	7.73	8.00	7.38	7.14	6.85	6.35	6.25
73	9.31	8.12	8.97	7.97	8.16	7.55	7.21	6.95	6.37	6.29
74	9.65	8.41	9.26	8.23	8.33	7.73	7.29	7.04	6.39	6.33
75	10.02	8.72	9.55	8.50	8.50	7.92	7.35	7.14	6.41	6.36

- ---------------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------- ----------- --------------</TABLE>

Rates are based on mortality from 1983 Table a.

Rates for ages not shown will be provided on request and will be computed on a basis consistent with the rates in the above tables.

35

<PAGE>

OPTION 3

Life Income for Two Payees

Amount of First Monthly Payment for Each $1,000
After Deduction of any Charge for Premium Taxes

(Annuitant is Male and Second Annuitant is Female)

Rates for a Variable Annuity with Assumed Net Return Rate of 3.5%

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03/26/2018

Page 22 of 24

<TABLE>

<CAPTION>

- ------------------------------------- ----------------- ----------------- ------------------ ----------------- -----------------

Adjusted Ages
- -------------------------------------
	Second
Annuitant	Annuitant	Option 3a	Option 3b	Option 3c	Option 3d	Option 3e

• ------------------ ------------------ ----------------- ----------------- ------------------ ----------------- -----------------

<S>	<C>	<C>	<C>	<C>	<C>	<C>
55	50	$ 3.97	$ 4.35	$ 4.56	$ 3.97	$ 4.42
55	55	4.16	4.54	4.76	4.15	4.54
55	60	4.34	4.76	5.00	4.34	4.64
60	55	4.27	4.73	5.00	4.26	4.83
60	60	4.51	4.99	5.27	4.50	4.98
60	65	4.76	5.29	5.60	4.75	5.13
65	60	4.66	5.25	5.61	4.65	5.39
65	65	4.99	5.61	5.99	4.98	5.60
65	70	5.34	6.03	6.46	5.31	5.81
70	65	5.19	5.97	6.44	5.17	6.14
70	70	5.67	6.49	6.99	5.62	6.47
70	75	6.16	7.10	7.68	6.07	6.77
75	70	5.95	6.96	7.61	5.87	7.20
75	75	6.64	7.73	8.43	6.48	7.68
75	80	7.33	8.62	9.45	7.02	8.13

- ------------------ ------------------ ----------------- ----------------- ------------------ ----------------- -----------------</TABLE>

Rates are based on mortality from 1983 Table a.

The rates assume the Annuitant is Male and the Second Annuitant is Female. Rates for ages not shown will be provided on request and will be computed on a basis consistent with the rates in the above tables.

36

<PAGE>

OPTION 3

Life Income for Two Payees

Amount of First Monthly Payment for Each $1,000 After Deduction of any Charge for Premium Taxes

(Annuitant is Female and Second Annuitant is Male)

Rates for a Variable Annuity with Assumed Net Return Rate of 3.5%

<TABLE> <CAPTION>

- ------------------------------------- ----------------- ----------------- ------------------ ----------------- -----------------Adjusted Ages

- -------------------------------------
	Second
Annuitant	Annuitant	Option 3a	Option 3b	Option 3c	Option 3d	Option 3e

• ------------------ ------------------ ----------------- ----------------- ------------------ ----------------- -----------------

<S>	<C>	<C>	<C>	<C>	<C>	<C>
55	50	$ 4.03	$ 4.36	$ 4.55	$ 4.03	$ 4.41
55	55	4.16	4.54	4.76	4.15	4.54
55	60	4.27	4.73	5.00	4.26	4.83
60	55	4.34	4.76	5.00	4.34	4.64
60	60	4.51	4.99	5.27	4.50	4.98
60	65	4.66	5.25	5.61	4.65	5.39
65	60	4.76	5.29	5.60	4.75	5.13
65	65	4.99	5.61	5.99	4.98	5.60
65	70	5.19	5.97	6.44	5.17	6.14
70	65	5.34	6.03	6.46	5.31	5.81
70	70	5.67	6.49	6.99	5.62	6.47
70	75	5.95	6.96	7.61	5.87	7.20
75	70	6.16	7.10	7.68	6.07	6.77
75	75	6.64	7.73	8.43	6.48	7.68
75	80	7.04	8.39	9.29	6.79	8.70

- ------------------ ------------------ ----------------- ----------------- ------------------ ----------------- -----------------</TABLE>

Rates are based on mortality from 1983 Table a.

The rates assume the Annuitant is Female and the Second Annuitant is Male. Rates for ages not shown will be provided on request and will be computed on a basis consistent with the rates in the above tables.

     37 <PAGE>

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Page 23 of 24

OPTION 3

Life Income for Two Payees

Amount of First Monthly Payment for Each $1,000 After Deduction of any Charge for Premium Taxes

(Annuitant is Male and Second Annuitant is Female)

Rates for a Variable Annuity with Assumed Net Return Rate of 5.0%

<TABLE> <CAPTION>

- ------------------------------------- ----------------- ----------------- ------------------ ----------------- -----------------

Adjusted Ages
- -------------------------------------
	Second
Annuitant	Annuitant	Option 3a	Option 3b	Option 3c	Option 3d	Option 3e

• ------------------ ------------------ ----------------- ----------------- ------------------ ----------------- -----------------

<S>	<C>	<C>	<C>	<C>	<C>	<C>
55	50	$ 4.88	$ 5.26	$ 5.48	$ 4.88	$ 5.34
55	55	5.04	5.44	5.66	5.04	5.43
55	60	5.21	5.65	5.89	5.21	5.53
60	55	5.15	5.63	5.91	5.14	5.73
60	60	5.37	5.87	6.16	5.37	5.86
60	65	5.61	6.16	6.49	5.60	6.01
65	60	5.52	6.14	6.51	5.51	6.28
65	65	5.83	6.49	6.87	5.82	6.47
65	70	6.17	6.90	7.33	6.13	6.67
70	65	6.04	6.84	7.34	6.00	7.03
70	70	6.49	7.35	7.87	6.44	7.33
70	75	6.97	7.96	8.56	6.87	7.62
75	70	6.77	7.84	8.51	6.68	8.08
75	75	7.45	8.60	9.33	7.27	8.55
75	80	8.14	9.49	10.35	7.80	8.98

- ------------------ ------------------ ----------------- ----------------- ------------------ ----------------- -----------------</TABLE>

Rates are based on mortality from 1983 Table a.

The rates assume the Annuitant is Male and the Second Annuitant is Female. Rates for ages not shown will be provided on request and will be computed on a basis consistent with the rates in the above tables.

38

<PAGE>

OPTION 3

Life Income for Two Payees

Amount of First Monthly Payment for Each $1,000 After Deduction of any Charge for Premium Taxes

(Annuitant is Female and the Second Annuitant is Male)

Rates for a Variable Annuity with Assumed Net Return Rate of 5.0%

<TABLE> <CAPTION>

- ------------------------------------- ----------------- ----------------- ------------------ ----------------- -----------------

Adjusted Ages
- -------------------------------------
	Second
Annuitant	Annuitant	Option 3a	Option 3b	Option 3c	Option 3d	Option 3e

• ------------------ ------------------ ----------------- ----------------- ------------------ ----------------- -----------------

<S>	<C>	<C>	<C>	<C>	<C>	<C>
55	50	$ 4.93	$ 5.27	$ 5.46	$ 4.93	$ 5.19
55	55	5.04	5.44	5.66	5.04	5.43
55	60	5.15	5.63	5.91	5.14	5.73
60	55	5.21	5.65	5.89	5.21	5.53
60	60	5.37	5.87	6.16	5.37	5.86
60	65	5.52	6.14	6.51	5.51	6.28
65	60	5.61	6.16	6.49	5.60	6.01
65	65	5.83	6.49	6.87	5.82	6.47
65	70	6.04	6.84	7.34	6.00	7.03
70	65	6.17	6.90	7.33	6.13	6.67
70	70	6.49	7.35	7.87	6.44	7.33
70	75	6.77	7.84	8.51	6.68	8.08
75	70	6.97	7.96	8.56	6.87	7.62
75	75	7.45	8.60	9.33	7.27	8.55
75	80	7.86	9.28	10.20	7.57	9.59

• ------------------ ------------------ ----------------- ----------------- ------------------ ----------------- -----------------

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Page 24 of 24

</TABLE>

Rates are based on mortality from 1983 Table a.

The rates assume the Annuitant is Female and the Second Annuitant is Male. Rates for ages not shown will be provided on request and will be computed on a basis consistent with the rates in the above tables.

39

<PAGE>

- --------------------------------------------------------------------------------Aetna Insurance Company of America Home Office: 151 Farmington Avenue P.O. Box 30670 Hartford, Connecticut 06150-0670 (800) 531-4547 Group Variable, Fixed, or Combination Annuity Contract Nonparticipating - --------------------------------------------------------------------------------

ALL PAYMENTS AND VALUES PROVIDED BY THE GROUP CONTRACT, WHEN BASED ON INVESTMENT EXPERIENCE OF A SEPARATE ACCOUNT, ARE VARIABLE AND ARE NOT GUARANTEED AS TO FIXED DOLLAR AMOUNT. THIS CONTRACT CONTAINS A MARKET VALUE ADJUSTMENT FORMULA. APPLICATION OF A MARKET VALUE ADJUSTMENT MAY RESULT IN EITHER AN INCREASE OR DECREASE IN THE CURRENT VALUE. THE MARKET VALUE ADJUSTMENT FORMULA DOES NOT APPLY TO A GUARANTEED TERM AT THE TIME OF ITS MATURITY.

40

https://www.sec.gov/Archives/edgar/data/925981/0000950146-97-000634.txt

03/26/2018

EX-16

Exhibit 16(4)(n)

ING LIFE INSURANCE AND ANNUITY COMPANY

ENDORSEMENT

The Contract is hereby endorsed effective May 1, 2002, as follows:

The name of AETNA LIFE INSURANCE AND ANNUITY COMPANY has been changed to ING LIFE INSURANCE AND ANNUITY COMPANY. Accordingly, all references to AETNA LIFE INSURANCE AND ANNUITY COMPANY, ALIAC, and AETNA in the Contract are changed to ING LIFE INSURANCE AND ANNUITY COMPANY, ILIAC, and ING, respectively.

The address remains as follows:

151 Farmington Avenue
Hartford, Connecticut	06156

All terms and conditions of your Contract remain the same.

/s/ Thomas J. McInerney
-----------------------
Thomas J. McInerney

President
ING Life Insurance and Annuity Company

ENMCHGI (05/02)

EX-16

Exhibit 16(4)(o)

Voya Retirement Insurance and Annuity Company

ENDORSEMENT

The Contract, Policy and/or Certificate are hereby endorsed effective September 1, 2014, as follows:

The name of ING Life Insurance and Annuity Company has been changed to Voya RetirementInsurance and Annuity Company. Accordingly, all references to ING Life Insurance and Annuity Company or ING in the Contract, Policy and/or Certificate are changed to Voya RetirementInsurance and Annuity Company and Voya, respectively.

The address and phone number remain as follows:

One Orange Way

Windsor, Connecticut  06095

Tel: 1.800.584.6001

All other terms, conditions and provisions of your Contract, Policy and/or Certificate remain unchanged.

/s/ Mary (Maliz) E. Beams

Mary (Maliz) E. Beams

President

Voya Retirement Insurance and Annuity Company

EVNMCHG (09/14)

EX-16

Exhibit 16(4)(p)

Voya Retirement Insurance and Annuity Company

ENDORSEMENT

This Endorsement is made a part of the Contract. The purpose of this Endorsement is to amend the Contract to reflect amendments to the Internal Revenue Code of 1986, as may be amended from time to time (the "Code"), made pursuant to the Setting Every Community Up for Retirement Enhancement Act of 2019 ("the SECURE Act").

The following provisions amend the terms of the Contract, and the provisions of this Endorsement supersede any conflicting provisions in the Contract or in any prior endorsements. All other provisions of the Contract shall remain in full force. 

A. Modification to the Required Minimum Distribution ("RMD") Rules

References to the IRA owner reaching age 70 1/2 in conjunction with the date on which RMDs must begin are hereby removed and replaced with the following:

RMDs are governed and administered consistent with section 401(a)(9) of the Code and regulations thereunder.

B. RMD Rules for Payments to Beneficiaries

References to the IRA owner reaching age 70 1/2 in conjunction with the date on which RMDs must begin and descriptions of non-spousal beneficiary payment terms are hereby removed and replaced with the following:

RMD payments to beneficiaries of an IRA owner are governed and administered consistent with section 401(a)(9) of the Code and regulations thereunder.

C. Withdrawals for Birth or Adoption of a Child

Any references to qualified distributions or withdrawals are updated to include the following:

Withdrawals of up to $5,000 (which may be amended by the Code from time to time) per birth or adoption of a child from an IRA are allowed as a qualified birth or adoption distribution subject to applicable tax, withholding and reporting rules. In addition, IRA owners may be able to re-contribute such amounts subject to applicable regulations.

D. Contributions to IRAs

Any references to non-rollover contributions to IRAs are updated to include the following:

Contribution age limits are governed and administered consistent with section 408 of the Code and regulations thereunder.

E. Conformity with Law

The Contract is updated to include the following:

The Contract will be subject to and interpreted in conformity with the provisions of the Code, as well as any administrative procedures.

E-IRASECURE-20 1

The effective date of this Endorsement is January 1, 2020, or the effective date of the Contract, if later.

[

/s/Charles P. Nelson

President]

Voya Retirement Insurance and Annuity Company

E-IRASECURE-20 2

EX-16

Exhibit 16(4)(q)

Voya Retirement Insurance and Annuity Company

ENDORSEMENT

This Endorsement is made a part of the Contract and, if applicable, the Certificate to which it is attached. Where used in this Endorsement, the term Contract shall mean Certificate when this Endorsement is attached to a Certificate.

The purpose of this Endorsement is to amend the Contract to reflect amendments to the Internal Revenue Code of 1986, as may be amended from time to time (the "Code"), made pursuant to the Setting Every Community Up for Retirement Enhancement Act of 2019 ("the SECURE Act").

The following provisions amend the terms of the Contract, and the provisions of this Endorsement supersede any conflicting provisions in the Contract or in any prior endorsements. All other provisions of the Contract shall remain in full force. 

A. Modification to the Required Minimum Distribution ("RMD") Rules

References to the participant reaching age 70 1/2 in conjunction with the date on which RMDs must begin are hereby removed and replaced with the following:

RMDs are governed and administered consistent with section 401(a)(9) of the Code and regulations thereunder.

B. RMD Rules for Payments to Beneficiaries

References to the participant reaching age 70 1/2 in conjunction with the date on which RMDs must begin and descriptions of non-spousal beneficiary payment terms are hereby removed and replaced with the following:

RMD payments to beneficiaries of qualified retirement plan participants are governed and administered consistent with section 401(a)(9) of the Code and regulations thereunder.

C. Withdrawals for Birth or Adoption of a Child

If a plan permits, any references to qualified distributions or withdrawals are updated to include the following:

Withdrawals of up to $5,000 (which may be amended by the Code from time to time) per birth or adoption of a child from eligible defined contribution plans are allowed as a qualified birth or adoption distribution subject to applicable tax, withholding and reporting rules. In addition, plan participants may be able to re-contribute such amounts subject to applicable regulations.

D. Lifetime Distribution Options

If permitted by a plan, any references to lifetime distribution options are updated to include the following:

For plan years beginning after December 31, 2019, participants in defined contribution plans, section 403(b) plans, or governmental section 457(b) plans with a lifetime income investment option may take a distribution of the lifetime income investment, without regard to any of the Code’s withdrawal restrictions, if the lifetime income investment is no longer authorized to be held under the plan. The distribution must be a direct trustee-to-trustee transfer of the investment in the form of a qualified plan distribution annuity to another employer-sponsored retirement plan or Individual Retirement Account.

E. Loans

If a plan permits, any references to loans are updated to include the following:

Loans are governed and administered consistent with the plan and section 72(p) of the Code and regulations thereunder, as may be amended from time to time.

E-DCSECURE-20 1

F. Conformity with Law and Plan

The Contract is updated to include the following:

The Contract will be subject to and interpreted in conformity with the provisions, terms, and conditions of the plan document of which this Contract is a part, if any, as well as any administrative procedures and with:

1. The Code and regulations thereunder; and

2. Other applicable law (including, without limitation, the Employee Retirement Income Security Act of 1974, as amended) as determined by the plan administrator or other designated plan fiduciary or, if none, you.

The effective date of this Endorsement is January 1, 2020, or the effective date of the Contract, if later.

[

/s/Charles P. Nelson

President]

Voya Retirement Insurance and Annuity Company

E-DCSECURE-20 2

EX-16

Exhibit (16)(5)

VOYA LETTERHEAD

LAW / PRODUCT FILING UNIT
ONE ORANGE WAY, C2N
WINDSOR, CT 06094-4774

PETER M. SCAVONGELLI

SENIOR COUNSEL

PHONE:  (860) 580-1631  |  EMAIL:  PETER.SCAVONGELLI@VOYA.COM

April 2, 2021

BY EDGARLINK

U.S. Securities and Exchange Commission

100 F Street, NE

Washington, DC 20549

Re:     Voya Retirement Insurance and Annuity Company

           Form S-3 Initial Registration

           Prospectus Title:  Voya Guaranteed Account

Dear Ladies and Gentlemen:

As Counsel to Voya Retirement Insurance and Annuity Company, a Connecticut life insurance company (the “Company”), I have represented the Company in connection with the Guaranteed Accumulation Account (the “Account”) available under certain variable annuity contracts and the S-3 Registration Statement relating to such Account. 

In connection with this opinion, I have reviewed the Registration Statement on Form S-3 relating to such Account, including the prospectus, and relevant proceedings of the Board of Directors. 

Based upon this review, and assuming the securities represented by the Company are issued in accordance with the provisions of the prospectus, I am of the opinion that the securities, when sold, will have been legally issued, and will constitute a legal and binding obligation of the Company. 

I further consent to the use of this opinion as an exhibit to the Registration Statement. 

Based upon the foregoing, and, assuming the Securities are sold in accordance with the provisions of the prospectus, I am of the opinion that the Securities being registered will be legally issued and will represent binding obligations of the Company.

I consent to the filing of this opinion as an exhibit to the Registration Statement.

Sincerely,

/s/ Peter M. Scavongelli

Peter M. Scavongelli

PLAN | INVEST | PROTECT Voya Logo

EX-16

Exhibit 16(23)(a)– Consent of Independent Registered Public Accounting Firm

We consent to the reference to our firm under the caption “Experts” in the Registration Statement (Form S-3, No. 333-) and related Prospectus of Voya Retirement Insurance and Annuity Company (“VRIAC”) and to the incorporation by reference therein of our report dated March 16, 2021, with respect to the consolidated financial statements and schedule of VRIAC included in its Annual Report (Form 10-K) for the year ended December 31, 2020, filed with the Securities and Exchange Commission.

/s/ Ernst & Young LLP 

San Antonio, TX

April 2, 2021

CORRESP

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