Exhibit 16(b)(iv)

              AETNA LIFE INSURANCE AND ANNUITY COMPANY AND SUBSIDIARIES
            (A wholly owned subsidiary of Aetna Retirement Services, Inc.)

                                     Schedule IV

                                     Reinsurance
 





For the years ended December 31,
(Millions)
                                                                                                  Percentage
                                               Ceded to       Assumed                             of Amount
                                  Direct        Other         from Other     Net                  Assumed to
                                  Amount       Companies      Companies     Amount                   Net
                                  ------       ---------      ---------     ------                ----------

     1995
     ----
                                                                                   
Life insurance in force         $36,031.5     $1,846.8       $3,596.7      $37,781.4                 9.5%
                               ------------------------------------------------------------
                               ------------------------------------------------------------

Premiums:
 Life Insurance                 $    28.8     $    8.6       $   28.0      $    48.2                58.1
 Accident and Health Insurance        7.5          7.5              -              -                   -
 Annuities                           82.1            -            0.5           82.6                 0.6
                               ------------------------------------------------------------

  Total earned premiums         $   118.4     $   16.1       $   28.5      $   130.8                21.8
                               ------------------------------------------------------------
                               ------------------------------------------------------------

     1994
     ----

Life insurance in force         $32,184.3     $1,423.0       $2,677.8      $33,439.1                 8.0%
                               ------------------------------------------------------------
                               ------------------------------------------------------------

Premiums:
 Life Insurance                 $    27.3     $    6.0       $   32.8      $    54.1                60.6
 Accident and Health Insurance        9.3          9.3              -              -                   -
 Annuities                           69.9            -            0.2           70.1                 0.3

                               ------------------------------------------------------------
  Total earned premiums         $   106.5     $   15.3       $   33.0      $   124.2                26.6
                               ------------------------------------------------------------
                               ------------------------------------------------------------

     1993
     ----

Life insurance in force         $30,602.3     $1,210.2       $3,099.0      $32,491.1                 9.5%
                               ------------------------------------------------------------
                               ------------------------------------------------------------

Premiums:
 Life Insurance                 $    22.4     $    5.6       $   33.3      $    50.1                66.5
 Accident and Health Insurance       12.9         12.9              -              -                   -
 Annuities                           31.3            -            0.7           32.0                 2.2
                               ------------------------------------------------------------

  Total earned premiums         $    66.6     $   18.5       $   34.0      $    82.1                41.4
                               ------------------------------------------------------------
                               ------------------------------------------------------------