ex164l.htm - Generated by SEC Publisher for SEC Filing

Adjusted Ages

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

Option 3(a)

Option 3(b)

Option 3(c)

Option 3(d)

Option 3(e)

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)

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<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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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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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% _\|


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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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Contract Schedule II
Annuity Period

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<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

<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
-	-----------------------------------------------------------------------------


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

<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

I-MP2(5/97)

<C>

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:

Page 5 of 21

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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<PAGE>


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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<PAGE>

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.

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

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


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):

Page 8 of 21

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

(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

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

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:

Page 10 of 21

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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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
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(e)

(f)

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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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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:

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

4.04	Fund(s) Annuity Units - Separate Account:

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$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

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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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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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Page 16 of 21

-------------------------------------------------------------------------------- * Net of any applicable premium tax deduction

I-MP2(5/97)

<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

I-MP2(5/97)

<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
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)

<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)

<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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03/26/2018

Page 18 of 21

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)

<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)

<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)

<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)

<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)

<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 - ---------------------------------------------------------------------------------------------------------------------------

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


<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
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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
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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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https://www.sec.gov/Archives/edgar/data/925981/0000950146-97-001811.txt	03/26/2018