Certification

           Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002
    (Subsections (a) and (b) of Section 1350, Chapter 63 of Title 18, United
                                    States Code)


     Pursuant to section 906 of the Sarbanes-Oxley Act of 2002 (subsections (a)
and (b) of section 1350, chapter 63 of title 18, United States Code), each of
the undersigned officers of Great-West Life & Annuity Insurance Company, a
Colorado corporation (the "Company"), does hereby certify, to such officer's
knowledge, that:

     The Annual Report on Form 10-K for the year ended December 31, 2003 (the
"Form 10-K") of the Company fully complies with the requirements of section
13(a) or 15(d) of the Securities Exchange Act of 1934 and information contained
in the Form 10-K fairly presents, in all material respects, the financial
condition and results of operations of the Company.

Dated:       March 30, 2004    /s/ William T. McCallum
                               -----------------------
                               William T. McCallum
                               President and Chief Executive Officer

Dated:       March 30, 2004    /s/ Mitchell T.G. Graye
                               -----------------------
                               Mitchell T.G. Graye
                               Executive Vice President and Chief Financial
                               Officer

     The foregoing certification is being furnished solely pursuant to section
906 of the Sarbanes-Oxley Act of 2002 (subsections (a) and (b) of section 1350,
chapter 63 of title 18, United States Code) and is not being filed as part of
the Form 10-K or as a separate disclosure document.