EXHIBIT 32

                                  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 Quarterly Report on Form 10-Q for the quarter ended September 30, 2005 (the
"Form 10-Q") 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-Q fairly presents, in all material respects, the financial
condition and results of operations of the Company.


Dated: November 10, 2005    /s/William T. McCallum
                            -----------------------------------------------
                            William T. McCallum
                            President and Chief Executive Officer


Dated: November 10, 2005    /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-Q or as a separate disclosure document.