Voya Retirement Insurance & Annuity S-3 Shelf registration

Exhibit 16(4)(c):  Certificate (G1CC-MGA-95)

	-----------------------------------
	Aetna Life Insurance and Annuity
	Company Home Office: 151 Farmington
	Avenue Hartford, Connecticut 06156
	(800) 531-4547
	A Stock Company
	Aetna Life Insurance and Annuity
	Company, herein called Aetna,
	agrees to pay the benefits stated
	in this Contract.
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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, riders, or
	amendments issued to you under the
	stated Contract and Certificate
	numbers. This Certificate is for
	information only and is not a part
	of the Contract.
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Right to Cancel	You may cancel the Account
	evidenced by this Certificate
	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 Certificate within 7 days
	after it receives the notice of
	cancellation and this Certificate.
/s/ Dan Kearney	/s/ Susan E. Schechter
President	Secretary
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Certificate Holder(s)	Certificate No.
SPECIMEN	SPECIMEN
- --------------------------------------------------------------------------------
Contract Holder	Group Annuity Contract No.
E. G. ANY BROKER	SPECIMEN
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Annuitant Name	Type of Plan
JOHN DOE JR.	SPECIMEN
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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 PERIOD AT THE TIME OF ITS MATURITY.
G1CC-MGA-95
Specifications
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Guaranteed Interest Rate	There is a guaranteed interest rate
	for the Purchase Payment held in
	the AMG Account.
	(See Contract Schedule I) .
- --------------------------------------------------------------------------------
Deduction from Purchase Payment	The Purchase Payment may be subject
	to a deduction for premium taxes,
	if applicable. (See 3.01) .
- --------------------------------------------------------------------------------
Surrender Fee	There may be a charge deducted upon
	surrender. (See Contract
	Schedule I) .
	2
Contract Schedule I

Accumulation Period

ALIAC Modified Guaranteed Account (AMG Account)

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Minimum Guaranteed Interest Rate:		[3.0%]
(effective annual rate of return)
Maintenance Fee:		The annual Maintenance Fee is
		[$0. ] [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. ]
Annuity Date:		The Annuity Date will be the
		later of the date the Annuitant
		reaches age [85] or the [10th]
		anniversary of the Purchase
		Payment.
Minimum Purchase Payment:		[$10,000. ]
Maximum Purchase Payment:		Purchase Payments exceeding
		[$1,000,000] must be approved by
		Aetna.
Minimum Guaranteed Period Allocation Amount:		[$1,000. ]
Maximum Age of Certificate Holder at Issue:		[90. ] If there are joint
		Certificate Holders, the age of
		the oldest Certificate Holder
		cannot exceed [90. ]
Surrender Fee:	Length of Time from	Surrender Fee
	Certificate Effective Date	(Percentage of Net
	(Years)	Purchase Payment
		Withdrawn)
	Less than 1 year	7%
	1 year but less than 2	7%
	2 years but less than 3	6%
	3 years but less than 4	6%
	4 years but less than 5	5%
	5 years but less than 6	4%
	6 years but less than 7	2%
	7 years or more	0%
	After seven years have elapsed from the certificate
	effective date, the Surrender Fee will no longer be
	assessed.
Special Withdrawal:		[10%]
Systematic Withdrawal Option (SWO):		The specified payment or
		specified percentage may not be
		greater than [10%. ]
See 1. GENERAL DEFINITIONS for explanations.

3

Contract Schedule II
Annuity Period

Fixed Annuity

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

Minimum Guaranteed Interest Rate:	[3.0%]
(effective annual rate of return):
See 1. GENERAL DEFINITIONS for explanations.

4

TABLE OF CONTENTS

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

		Page
1.01	Account	7
1.02	Accumulation Period	7
1.03	Adjusted Current Value	7
1.04	Annuitant	7
1.05	Annuity	7
1.06	Annuity Date	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	Entire Contract	8
1.15	Fixed Annuity	8
1.16	General Account	8
1.17	Guaranteed Rates - AMG Account	8
1.18	Guaranteed Period	8
1.19	Guaranteed Period Groups	8
1.20	Maintenance Fee	9
1.21	ALIAC Modified Guaranteed Account (AMG Account)	9
1.22	Market Value Adjustment (MVA)	9
1.23	Matured Period Value	9
1.24	Maturity Date	9
1.25	Net Purchase Payment	9
1.26	Nonunitized Separate Account	9
1.27	Purchase Payment	9
1.28	Reinvestment	9
1.29	Surrender Value	10

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

2.01	Change of Contract	10
2.02	Nonparticipating Contract	10
2.03	Payments and Elections	10
2.04	State Laws	10
2.05	Control of Contract	10
2.06	Designation of Beneficiary	11
2.07	Misstatements and Adjustments	11

5

		Page
2.08	Incontestability	11
2.09	Individual Certificates	11

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

3.01	Net Purchase Payment	11
3.02	Market Value Adjustment	11
3.03	Notice to the Certificate Holder	12
3.04	Loans	12
3.05	Systematic Withdrawal Option (SWO)	13
3.06	Death Benefit Amount	14
3.07	Death Benefit Options available to Beneficiary	14
3.08	Liquidation of Surrender Value	15
3.09	Surrender Fee	16
3.10	Payment of Surrender Value	16
3.11	Payment of Adjusted Current Value	16

IV.	ANNUITY PROVISIONS
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4.01	Choices to be Made	17
4.02	Terms of Annuity Options	17
4.03	Death of Annuitant/Beneficiary	18
4.04	Annuity Options	18

6

I.	GENERAL DEFINITIONS
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1.01	Account:
1.02	Accumulation Period:
1.03	Adjusted Current Value:
1.04	Annuitant:

1.05 Annuity:

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 AMG Account MVA, if applicable. (see 1.22)

The person named by the Certificate Holder whose life is measured for purposes of the guaranteed death benefit and the duration of Annuity payments under this Contract. Subject to Aetna's approval, the Annuitant may be changed by the Certificate Holder by notifying Aetna in writing prior to the Annuity Date of 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) .
1.06	Annuity Date:	The date on which Annuity payments
		begin under an Annuity option elected
		by the Certificate Holder. (see 4.01)
		The Annuity Date is shown on Contract
		Schedule I. The Certificate Holder may
		change this date by notifying Aetna at
		least 30 days prior to the Annuity
		Date.
1.07	Beneficiary:	The person(s) entitled to receive
		death benefits under the terms of this
		Contract.
1.08	Certificate Holder:	A person who purchases an interest in
		this Contract as evidenced by a
		certificate. Aetna reserves the right
		to limit Account 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.
1.09	Code:	The Internal Revenue Code of 1986, as
		it may be amended from time to time.
1.10	Contract:	This agreement between Aetna and the
		Contract Holder.
1.11	Contract Holder:	The entity to which the Contract is
		issued.
7
1.12	Current Value:	The Net Purchase Payment plus any
		interest credited; less all
		Maintenance Fees deducted, any amounts
		surrendered and any amounts applied to
		an Annuity.
1.13	Deposit Period:	A calendar week, a calendar month, a
		calendar quarter, or any other period
		of time specified by Aetna during
		which the Net Purchase Payment and
		Reinvestments are accepted into the
		AMG Account for one or more Guaranteed
		Periods. Aetna reserves the right to
		extend the Deposit Period.
1.14	Entire Contract:	The Contract, all attached pages and
		any subsequent endorsements make up
		the Entire Contract.
1.15	Fixed Annuity:	An Annuity with payments that do not
		vary in amount based on investment
		performance.
1.16	General Account:	The Account holding the assets of
		Aetna, other than those assets held in
		Aetna's separate accounts.
1.17	Guaranteed Rates	Aetna will declare the interest rate
	-- AMG Account:	applicable for each Guaranteed Period
		at the start of the Deposit Period for
		that applicable Guaranteed Period. The
		rate(s) are guaranteed by Aetna for
		that Deposit Period and the ensuing
		Guaranteed Period(s) . The Guaranteed
		Rates are effective annual rates of
		return. That is, interest is credited
		daily at a rate that will produce the
		Guaranteed Interest Rate over the
		period of a year. No Guaranteed Rate
		will ever be less than the Minimum
		Guaranteed Interest Rate shown on
		Contract Schedule I.
		For Guaranteed Periods of one year or
		less, one Guaranteed Rate is credited
		for the full Guaranteed Period. For
		longer Guaranteed Periods, an initial
		Guaranteed Rate is credited from the
		date of deposit to the end of a
		specified period within the Guaranteed
		Period. There may be different
		Guaranteed Rate(s) declared at the

		beginning of the Deposit Period for
		subsequent specified time intervals
		throughout the Guaranteed Period.
1.18	Guaranteed Period:	The period of time for which
		Guaranteed Rates are guaranteed on the
		Net Purchase Payment and Reinvestments
		made during a current Deposit Period.
		Such period begins on the day
		following the close of the Deposit
		Period and ends on the designated
		Maturity Date. Guaranteed Periods are
		offered at Aetna's discretion for
		various lengths of time ranging up to
		and including ten (10) years.
		During a Deposit Period, Aetna may
		make available any number of
		Guaranteed Periods. The Certificate
		Holder may allocate the Net Purchase
		Payment or Reinvestment into any or
		all of the available Guaranteed
		Periods.
1.19	Guaranteed Period Groups:	All Guaranteed Periods with the same
		length of time from the close of the
		Deposit Period until the designated
		Maturity Date.
8
1.20	Maintenance Fee:	The Maintenance Fee, if any (see
		Contract Schedule I), will be deducted
		from the Account during the
		Accumulation Period on each
		anniversary of the date the Account is
		established and upon surrender of the
		entire Account.
1.21	ALIAC Modified	An accumulation option where Aetna
	Guaranteed Account	guarantees rate(s) of interest for
	(AMG Account):	specified periods of time. All assets
		of Aetna, including amounts in the
		Nonunitized Separate Account, are
		available to meet the guarantees under
		the AMG Account.
1.22	Market Value Adjustment (MVA):An adjustment that may apply to the
		amount withdrawn from a Guaranteed
		Period prior to the end of that
		Guaranteed Period. 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 3.02. The adjustment
		is expressed as a percentage or a
		factor of each dollar being withdrawn.
1.23	Matured Period Value:	The amount payable on a Guaranteed
		Period's Maturity Date.
1.24	Maturity Date:	The last day of a Guaranteed Period.
1.25	Net Purchase Payment:	The Purchase Payment less premium
		taxes, as applicable.
1.26	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 AMG Account
		Guaranteed Periods. There are no
		discrete units for the AMG 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. The assets held in the AMG
		Account may be chargeable with
		liabilities arising out of any other
		business of Aetna.
1.27	Purchase Payment:	Payment 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.
1.28	Reinvestment:	Aetna will notify the Certificate
		Holder of the approaching Maturity
		Date at least 18 calendar days prior

		to the end of any Guaranteed Period.
		If no specific direction is given by
		the Certificate Holder prior to the
		Maturity Date, each Matured Period
		Value will be reinvested on the
		Maturity Date for a Guaranteed Period
		of the same duration. If a Guaranteed
		Period of the same duration is
		unavailable, each Matured Period Value
		will automatically be reinvested on
		the Maturity Date for the next
		shortest Guaranteed Period available.
		If no shorter Guaranteed Period is
		available, the next longer Guaranteed
		Period will be used. Aetna will mail a
		confirmation statement to the
		Certificate Holder the next business
		day after the Maturity Date.
		9
1.28	Reinvestment (Cont'd):	At any time prior to the Maturity
		Date, the Certificate Holder may
		request in writing a reinvestment of
		the Matured Period Value in a
		different Guaranteed Period(s) or a
		surrender of all or a part of the
		Matured Period Value without an MVA or
		Surrender Fee. Such request will be
		executed on the Maturity Date. If
		reinvesting in a different Guaranteed
		Period(s), all or part of the Matured
		Period Value will be reinvested in the
		elected Guaranteed Period(s) at the
		then prevailing rate(s) . This
		provision only applies to a written
		request from the Certificate Holder
		received at Aetna's Home Office in
		good order at least five (5) days
		prior to the Maturity Date.
1.29	Surrender Value:	The amount payable by Aetna upon the
		surrender of all or any portion of an
		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 reserves the right to modify
		this Contract to meet the requirements
		of applicable state and federal laws
		or regulations. Aetna will notify the
		Contract Holder and Certificate Holder
		in writing of any changes.
2.02	Nonparticipating Contract:	The Contract Holder, Certificate
		Holders or Beneficiaries will not have
		a right to share in the earnings of
		Aetna.
2.03	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 will be paid in accordance
		with 4.03. Aetna will make any other
		payments within seven (7) calendar
		days of receipt of a written request
		for payment, which is in good order,
		at its Home Office, except as provided
		in 3.10.
2.04	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.
2.05	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.
2.05	Control of Contract (Cont'd): 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
		joint Certificate Holders must
		authorize any choices in writing.
		Until receipt of such choices at
		Aetna's Home Office, Aetna may rely on
		any previous choices made.
10
		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. Aetna assumes no
		responsibility for the validity of any
		assignment.
2.06	Designation of Beneficiary:	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 received
		and recorded by Aetna.
2.07	Misstatements and	If Aetna finds the age of any
	Adjustments:	Annuitant to be misstated, the correct
		facts will be used to adjust payments.
2.08	Incontestability:	Aetna will not contest this Contract
		from its effective date.
2.09	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,
		except as evidence of the Certificate
		Holder's interest in 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 applicable premium
		tax. Aetna reserves the right to
		deduct any premium tax at any time
		from the Purchase Payment or from the
		Certificate Holder's Account.
		The Certificate Holder shall
		designate, on the enrollment form, the
		allocation percentage of the Net
		Purchase Payment to be applied to each
		of the available Guaranteed Periods
		during the current Deposit Period(s) .
		The minimum amount that may be
		allocated to any Guaranteed Period is
		shown on Contract Schedule I.
3.02	Market Value Adjustment:	There will be an MVA for any
		withdrawal before the end of a
		Guaranteed Period when the withdrawal
		is due to:
3.02	Market Value	(a) Any full or partial surrender, but
	Adjustment (Cont'd):	not for a partial withdrawal under
		the Systematic Withdrawal Option
		(see 3.05); or
		(b) Payment made to a Beneficiary as

			a death benefit during the
			Accumulation Period, but not
			payment made within six months
			of the date of the Annuitant's
			death (see 3.06); or
		(c) An election of an Annuity option.
			Only a positive MVA, if any,
			will apply upon election of option
			2 or 3 (see 4.04) .
11
		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
			Period.
		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 Period.
		(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 Period exist,
		Aetna reserves the right to use the
		U. S. Treasury Notes that mature in the
		following quarter.
3.03	Notice to the Certificate Holder:	The Certificate Holder will receive
		statements at least annually from
		Aetna showing the value of any amounts
		held in the AMG Account.
		Such values will be as of a specific
		date no more than 60 days before the
		date of the notice.
3.04	Loans:	Loans are not available under this
		Contract.
12
3.05	Systematic Withdrawal Option (SWO): The Certificate Holder may elect 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 full Current Value. The
	distributed amount is withdrawn pro
	rata from each Guaranteed Period(s) . 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.
	(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 shown on Contract
		Schedule I times the Current
		Value at time of election.
		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
		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 3.07.
3.05 Systematic Withdrawal	(b) Minimum Initial Current Value:
Option (SWO) (Cont'd):	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.
	13
	(c) Date of Distribution: The
	Certificate Holder shall specify
	the initial distribution date.
	As elected by the Certificate
	Holder, SWO payments will be
	made on a monthly or quarterly
	basis unless Aetna allows
	otherwise. 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 as
	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.
		Aetna reserves the right to
		establish the date when SWO may
		first be elected by a
		Certificate Holder. 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.
3.06 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 first death of
		either of the joint Certificate
		Holders. 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. If the
		Certificate Holder is a nonnatural
		person, the death benefit will be
		payable at the death of the Annuitant.
		If paid within 6 months of the date of
		the Annuitant's death, the death
		benefit will be the Current Value of
		the Account. Otherwise, the death
		benefit will be the Adjusted Current
		Value of the Account determined as of
		the claim date. 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.
		When the Certificate Holder dies and
		the Certificate Holder is not the
		Annuitant, the death benefit payable
		will be subject to a Surrender Fee, if
		applicable.
3.07	Death Benefit Options available	Prior to any election, or until
	to Beneficiary:	amounts must be otherwise distributed
		under this section, the Current Value
		of the Account will be retained in the
		Account. The following options are
		available to the Beneficiary:
3.07	Death Benefit Options available to	(a) When the Certificate Holder dies
	Beneficiary (Cont'd):	or if the Certificate Holder is
		not a natural person, when the
		Annuitant dies:
		14
		(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) or (ii) below.
		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
		death benefit amount to
		an Annuity option 1, 2
		or 3 (see 4.04); or
		(ii) Receive, at any time, a
		lump sum payment equal
		to the death benefit
		amount.
		(2) If the Beneficiary is an

	individual who is not the
	Certificate Holder's
	surviving spouse, then
	options (i) or (ii) under (1)
	above apply. Any portion of
	the death benefit amount not
	applied to Annuity option 1,
	2 or 3 within one year of the
	Certificate Holder's death,
	must be distributed within
	five years of the date of
	death.
	(3) If the Beneficiary is not a
	natural person, then only
	option (ii) under (1) above
	applies.
	(4) If no Beneficiary has been
	designated, a lump sum
	payment equal to the death
	benefit amount will be made
	to the Certificate Holder's
	estate.
	(b) If the Certificate Holder is
	a natural person but is not
	the Annuitant, and the
	Annuitant dies, the
	Beneficiary may elect either
	to apply the death benefit
	amount to Annuity option 1, 2
	or 3 within 60 days of the
	Annuitant's date of death, or
	to receive a lump sum
	payment.
3.08 Liquidation of Surrender Value:	All or any portion of the Account's
	Current Value may be surrendered at
	any time prior to the Annuity Date.
	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 Guaranteed Period(s)
	Groups of the AMG Account in which the
	Current Value is invested. Within a
	Guaranteed Period Group, the amount to
	be surrendered will be withdrawn first
	from the oldest Deposit Period, then
	from the next oldest, and so on until
	the amount requested is satisfied.
15
3.08 Liquidation of Surrender	After deduction of the Maintenance Fee
Value (Cont'd):	and any premium tax, if applicable,
	the surrendered amount shall be
	reduced by a Surrender Fee, if
	applicable. An MVA may apply to
	amounts surrendered.
3.09 Surrender Fee:	The Surrender Fee only applies to the
	Net Purchase Payment portion
	surrendered and varies according to
	the elapsed time from the certificate
	effective date (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
	Annuitant's death before Annuity
	payments start (see 3.06);
	(b) As a premium for an Annuity
	option 1, 2 or 3 under this
	Contract (see 4.04);
	(c) As a distribution under the SWO
	provision (see 3.05);
	(d) At least 12 months after the
	date of the Purchase Payment, in
	an amount equal to or less than
	the special withdrawal
	percentage shown on Contract
	Schedule I times the Current

		Value at the time of the
		withdrawal. 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; or
		(f) Upon withdrawal of any Matured
		Period Value; or
		(g) By Aetna under 3.11.
3.10 Payment of Surrender Value:		Under certain emergency conditions, as
		allowed by law, Aetna may defer
		payment for a period of up to 6
		months.
3.11 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. A Surrender Fee will not be
		deducted from the Adjusted Current
		Value.
		16
IV.	ANNUITY PROVISIONS
- --------------------------------------------------------------------------------
4.01 Choices to be Made:		The Certificate Holder may tell Aetna
		to apply any portion of the Adjusted
		Current Value (minus any premium tax)
		for an Annuity under option 1, 2, or 3
		(see 4.04) . The first Annuity payment
		may not be earlier than twelve months
		after the Purchase Payment. At least
		30 days prior to the Annuity Date, the
		Certificate Holder must tell Aetna
		which Annuity option is elected.
		Annuity payments will be made monthly,
		unless the Certificate Holder elects
		otherwise in writing.
		In lieu of the election of an Annuity,
		the Certificate Holder may elect a
		lump sum payment.
		The Annuity purchase rate for the
		option chosen reflects the Minimum
		Guaranteed Interest Rate (see Contract
		Schedule II), but may reflect a higher
		interest rate.
4.02 Terms of Annuity Options:		(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 an Annuity under option 1, 2
		or 3 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 an
		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 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.
17
4.02	Terms of Annuity Options (Cont'd):	(e) Once elected, an Annuity option
		may not be revoked and Annuity
		payments cannot be commuted to a
		lump sum.
4.03	Death of Annuitant/ Beneficiary:	If the Annuitant dies after Annuity
		payments have begun, the death
		benefit, if any, will be payable to
		the Beneficiary as specified in the
		Annuity option elected. Death benefits
		will be paid at least as rapidly as
		under the method of distribution in
		effect at the Annuitant's death.
		If the Certificate Holder who is not
		the Annuitant dies after Annuity
		payments have begun, any 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.
		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.
		Aetna will require proof of death.
4.04	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
		10 and not more than 30.
		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, one of the following
		choices must be made:
		(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
		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.
		18
		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
------------------------------------------------------------------------------------------------------------------------
		19
		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	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.

20

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
	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.
			21
--------------------------------------------------------------------------------

Aetna Life Insurance and Annuity Company
Home Office: 151 Farmington Avenue
Hartford, Connecticut 06156
(800) 531-4547

Certificate of Group Annuity Contract Coverage

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

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 PERIOD AT THE TIME OF ITS MATURITY.