Exhibit 16(24)(a): Powers of Attorney

                               POWER OF ATTORNEY

I, the undersigned Director and President of Aetna Life Insurance and Annuity
Company, hereby constitute and appoint, Megan L. Dunphy, J. Neil McMurdie,
Michael A. Pignatella and Julie E. Rockmore and each of them individually, my
true and lawful attorneys, with full power to them and each of them to sign
for me, and in my name and in the capacities indicated below, any and all
amendments, to the Registration Statements listed below filed with the
Securities and Exchange Commission under the Securities Act of 1933 and the
Investment Company Act of 1940:

Registration Statements filed under the Securities Act of 1933:

2-52448               33-75962               33-75998              33-91846
2-52449               33-75964               33-75996              333-01107
33-02339              33-75966               33-76000              333-09515
33-34370              33-75968               33-76002              333-15817
33-34583              33-75970               33-76004              333-24645
33-42555              33-75972               33-76018              333-27337
33-60477              33-75974               33-76024              333-30694
33-61897              33-75976               33-76026              333-34014
33-62473              33-75978               33-79118              333-37448
33-63611              33-75980               33-79122              333-48774
33-64277              33-75982               33-81216              333-49176
33-64331              33-75984               33-87642              333-49593
33-75248              33-75986               33-87932              333-49599
33-75954              33-75988               33-88720              333-56297
33-75956              33-75990               33-88722              333-72079
33-75958              33-75992               33-88724              333-84299
33-75960              33-75994               33-89858              333-87305
                                                                   333-89953

Registration Statements filed under the Investment Company Act of 1940:

811-09665        811-2512         811-2513         811-4536        811-5906

hereby ratifying and confirming on this 19th day of December, 2000, my signature
as it may be signed by my said attorneys to any such Registration Statements and
any and all amendments thereto.

                SIGNATURE/TITLE

            /s/ Thomas J. McInernye
- ----------------------------------------------
              Thomas J. McInerney
            Director and President
         (Principal Executive Officer)




                              POWER OF ATTORNEY

I, the undersigned Director and Chief Financial Officer of Aetna Life
Insurance and Annuity Company, hereby constitute and appoint, Megan L.
Dunphy, J. Neil McMurdie, Michael A. Pignatella and Julie E. Rockmore and
each of them individually, my true and lawful attorneys, with full power to
them and each of them to sign for me, and in my name and in the capacity
indicated below, any and all amendments, to the Registration Statements
listed below filed with the Securities and Exchange Commission under the
Securities Act of 1933 and the Investment Company Act of 1940:

Registration Statements filed under the Securities Act of 1933:

2-52448               33-75962               33-75998              33-91846
2-52449               33-75964               33-75996              333-01107
33-02339              33-75966               33-76000              333-09515
33-34370              33-75968               33-76002              333-15817
33-34583              33-75970               33-76004              333-24645
33-42555              33-75972               33-76018              333-27337
33-60477              33-75974               33-76024              333-30694
33-61897              33-75976               33-76026              333-34014
33-62473              33-75978               33-79118              333-37448
33-63611              33-75980               33-79122              333-48774
33-64277              33-75982               33-81216              333-49176
33-64331              33-75984               33-87642              333-49593
33-75248              33-75986               33-87932              333-49599
33-75954              33-75988               33-88720              333-56297
33-75956              33-75990               33-88722              333-72079
33-75958              33-75992               33-88724              333-84299
33-75960              33-75994               33-89858              333-87305
                                                                   333-89953

Registration Statements filed under the Investment Company Act of 1940:

811-09665        811-2512         811-2513         811-4536        811-5906

hereby ratifying and confirming on this 27th day of March, 2001, my signature as
it may be signed by my said attorneys to any such Registration Statements and
any and all amendments thereto.

                SIGNATURE/TITLE

             /s/ Wayne R. Huneke
- ----------------------------------------------
                Wayne R. Huneke
     Director and Chief Financial Officer




                              POWER OF ATTORNEY

I, the undersigned Director of Aetna Life Insurance and Annuity Company,
hereby constitute and appoint Megan L. Dunphy, J. Neil McMurdie, Michael A.
Pignatella and Julie E. Rockmore and each of them individually, my true and
lawful attorneys, with full power to them and each of them to sign for me,
and in my name and in the capacities indicated below, any and all amendments,
to the Registration Statements listed below filed with the Securities and
Exchange Commission under the Securities Act of 1933 and the Investment
Company Act of 1940:

Registration Statements filed under the Securities Act of 1933:

2-52448                33-75962               33-75998              33-91846
2-52449                33-75964               33-75996              333-01107
33-02339               33-75966               33-76000              333-09515
33-34370               33-75968               33-76002              333-15817
33-34583               33-75970               33-76004              333-24645
33-42555               33-75972               33-76018              333-27337
33-60477               33-75974               33-76024              333-30694
33-61897               33-75976               33-76026              333-34014
33-62473               33-75978               33-79118              333-37448
33-63611               33-75980               33-79122              333-48774
33-64277               33-75982               33-81216              333-49176
33-64331               33-75984               33-87642              333-49593
33-75248               33-75986               33-87932              333-49599
33-75954               33-75988               33-88720              333-56297
33-75956               33-75990               33-88722              333-72079
33-75958               33-75992               33-88724              333-84299
33-75960               33-75994               33-89858              333-87305
                                                                    333-89953

Registration Statements filed under the Investment Company Act of 1940:

811-09665        811-2512         811-2513         811-4536          811-5906

hereby ratifying and confirming on this 20th day of December, 2000, my signature
as it may be signed by my said attorneys to any such Registration Statements and
any and all amendments thereto.

                SIGNATURE/TITLE

               /s/ Randy Lowery
- ----------------------------------------------
               Phillip R. Lowery
                   Director




                              POWER OF ATTORNEY

I, the undersigned Director of Aetna Life Insurance and Annuity Company,
hereby constitute and appoint, Megan L. Dunphy, J. Neil McMurdie, Michael A.
Pignatella and Julie E. Rockmore and each of them individually, my true and
lawful attorneys, with full power to them and each of them to sign for me,
and in my name and in the capacities indicated below, any and all amendments,
to the Registration Statements listed below filed with the Securities and
Exchange Commission under the Securities Act of 1933 and the Investment
Company Act of 1940:

Registration Statements filed under the Securities Act of 1933:

2-52448                33-75962               33-75998              33-91846
2-52449                33-75964               33-75996              333-01107
33-02339               33-75966               33-76000              333-09515
33-34370               33-75968               33-76002              333-15817
33-34583               33-75970               33-76004              333-24645
33-42555               33-75972               33-76018              333-27337
33-60477               33-75974               33-76024              333-30694
33-61897               33-75976               33-76026              333-34014
33-62473               33-75978               33-79118              333-37448
33-63611               33-75980               33-79122              333-48774
33-64277               33-75982               33-81216              333-49176
33-64331               33-75984               33-87642              333-49593
33-75248               33-75986               33-87932              333-49599
33-75954               33-75988               33-88720              333-56297
33-75956               33-75990               33-88722              333-72079
33-75958               33-75992               33-88724              333-84299
33-75960               33-75994               33-89858              333-87305
                                                                    333-89953

Registration Statements filed under the Investment Company Act of 1940:

811-09665        811-2512         811-2513         811-4536          811-5906

hereby ratifying and confirming on this 19th day of December, 2000, my signature
as it may be signed by my said attorneys to any such Registration Statements and
any and all amendments thereto.

                SIGNATURE/TITLE

          /s/ Robert C. Salipante
- ----------------------------------------------
             Robert C. Salipante
                   Director




                              POWER OF ATTORNEY

I, the undersigned Director of Aetna Life Insurance and Annuity Company,
hereby constitute and appoint, Megan L. Dunphy, J. Neil McMurdie, Michael A.
Pignatella and Julie E. Rockmore and each of them individually, my true and
lawful attorneys, with full power to them and each of them to sign for me,
and in my name and in the capacities indicated below, any and all amendments,
to the Registration Statements listed below filed with the Securities and
Exchange Commission under the Securities Act of 1933 and the Investment
Company Act of 1940:

Registration Statements filed under the Securities Act of 1933:

2-52448               33-75962               33-75998               33-91846
2-52449               33-75964               33-75996               333-01107
33-02339              33-75966               33-76000               333-09515
33-34370              33-75968               33-76002               333-15817
33-34583              33-75970               33-76004               333-24645
33-42555              33-75972               33-76018               333-27337
33-60477              33-75974               33-76024               333-30694
33-61897              33-75976               33-76026               333-34014
33-62473              33-75978               33-79118               333-37448
33-63611              33-75980               33-79122               333-48774
33-64277              33-75982               33-81216               333-49176
33-64331              33-75984               33-87642               333-49593
33-75248              33-75986               33-87932               333-49599
33-75954              33-75988               33-88720               333-56297
33-75956              33-75990               33-88722               333-72079
33-75958              33-75992               33-88724               333-84299
33-75960              33-75994               33-89858               333-87305
                                                                    333-89953

Registration Statements filed under the Investment Company Act of 1940:

811-09665        811-2512         811-2513         811-4536         811-5906

hereby ratifying and confirming on this 20th day of December, 2000, my signature
as it may be signed by my said attorneys to any such Registration Statements and
any and all amendments thereto.

                 SIGNATURE/TITLE

               /s/ Mark A. Tullis
- ----------------------------------------------
                 Mark A. Tullis
                    Director




                               POWER OF ATTORNEY

I, the undersigned Corporate Controller of Aetna Life Insurance and Annuity
Company, hereby constitute and appoint, Megan L. Dunphy, J. Neil McMurdie,
Michael A. Pignatella and Julie E. Rockmore and each of them individually, my
true and lawful attorneys, with full power to them and each of them to sign
for me, and in my name and in the capacities indicated below, any and all
amendments, to the Registration Statements listed below filed with the
Securities and Exchange Commission under the Securities Act of 1933 and the
Investment Company Act of 1940:

Registration Statements filed under the Securities Act of 1933:

2-52448               33-75962               33-75998               33-91846
2-52449               33-75964               33-75996               333-01107
33-02339              33-75966               33-76000               333-09515
33-34370              33-75968               33-76002               333-15817
33-34583              33-75970               33-76004               333-24645
33-42555              33-75972               33-76018               333-27337
33-60477              33-75974               33-76024               333-30694
33-61897              33-75976               33-76026               333-34014
33-62473              33-75978               33-79118               333-37448
33-63611              33-75980               33-79122               333-48774
33-64277              33-75982               33-81216               333-49176
33-64331              33-75984               33-87642               333-49593
33-75248              33-75986               33-87932               333-49599
33-75954              33-75988               33-88720               333-56297
33-75956              33-75990               33-88722               333-72079
33-75958              33-75992               33-88724               333-84299
33-75960              33-75994               33-89858               333-87305
                                                                    333-89953

Registration Statements filed under the Investment Company Act of 1940:

811-09665        811-2512         811-2513         811-4536         811-5906

hereby ratifying and confirming on this 19th day of December, 2000, my signature
as it may be signed by my said attorneys to any such Registration Statements and
any and all amendments thereto.

                SIGNATURE/TITLE

            /s/ Deborah Koltenuk
- ----------------------------------------------
              Deborah Koltenuk
            Corporate Controller