Exhibit (5)(c)

                      GE LIFE AND ANNUITY ASSURANCE COMPANY
                             GUARANTEE ACCOUNT RIDER
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This rider adds a Guarantee Account to your Policy. You may allocate premiums to
the Guarantee Account. You may transfer amounts between the Guarantee Account
and the Subaccounts.

The Account Value of the Policy includes:

     .    the Account Value allocated to the Subaccounts;
     .    the Account Value allocated to the Guarantee Account; and
     .    the Account Value held in the General Account to secure Policy Debt.

This rider is effective on the Policy Date. If there is a different effective
date, it will be shown on the policy data pages.

The Guarantee Account

Amounts allocated to the Guarantee Account earn interest at the rate that
applies to the particular allocation. For each allocation, the applicable rate
will remain in effect for a specified period. The period is the interest rate
guarantee period. You may also make transfers, partial surrenders or loans from
the Guarantee Account. These transactions are described in the Policy.

Amounts allocated to the Guarantee Account become part of our General Account.
The General Account consists of our assets other than those allocated to our
separate accounts. Subject to statutory authority, we have sole discretion over
the investment of the assets of the General Account. Those assets may be charged
with liabilities arising out of any business we may conduct.

Any Surrender Value or Death Benefit under the Guarantee Account will not be
less than required by your state laws.

Account Value of the Guarantee Account

The Account Value of the Guarantee Account is (a) plus (b) minus (c) minus (d),
where:

     (a)  is the sum of all amounts allocated to it;
     (b)  is any interest credited on those amounts;
     (c)  is any amounts removed by transfer, partial surrender or loan; and
     (d)  is any amounts deducted for charges made under the Policy and any
          riders.

You may distribute any allocation to one or more of the interest rate guarantee
periods available at the time of your allocation. Unless you choose otherwise,
the initial interest rate guarantee period will be one year. Each interest rate
guarantee period must be at least one year. At the end of each interest rate
guarantee period, a new interest rate guarantee period of one year, with a new
rate, will begin. We will notify you of the new rate.

We determine interest rates that apply to allocations to the Guarantee Account.
This determination is made in our sole discretion. The minimum guaranteed
interest rate is shown on the policy data pages.

A monthly deduction for the cost of insurance will be made against the Account
Value in the Guarantee Account. We will make a deduction monthly from the
Account Value in the Guarantee Account for administrative expenses. The charge
for administrative expenses will be a monthly rate times the Account Value in
the Guarantee Account. This rate is shown on the policy data pages. If the
charge for administrative expenses is subject to a minimum monthly amount, this
minimum monthly charge will be shown on the policy data pages.

Transfers

You may transfer amounts between the Guarantee Account and the Separate Account.
Transfers will be effective as of the end of the Valuation Period during which
we receive your request at our Home Office.

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We reserve the right to impose the following restrictions on transfers between
the Guarantee Account and the Separate Account:

     .    For each allocation to the Guarantee Account, you have 30 days
          following the end of its interest rate guarantee period to transfer to
          the Separate Account. We may limit the amount which may be transferred
          from the Guarantee Account. We will not limit it to less than 25% of
          the original allocation, plus any accrued interest on that allocation.
     .    No transfers from the Separate Account to the Guarantee Account may be
          made during the six month period following the transfer of any amount
          from the Guarantee Account to the Separate Account.

In all other respects, the Policy's rules and charges that apply to transfers
between the Subaccounts will apply to transfers with the Guarantee Account.

Surrenders, Partial Surrenders and Loans

This rider does not affect the Policy's surrender, partial surrenders and loans
except as follows:

     .    You may specify whether a partial surrender or loan should be taken
          from the Guarantee Account or the Subaccounts. If you do not, we will
          take the partial surrender or loan first from the Subaccounts on a
          pro-rata basis in proportion to the Account Value in each Subaccount.
          Any amount remaining will be taken from the Guarantee Account. Amounts
          taken from the Guarantee Account will come from the amounts which have
          been in the Guarantee Account for the longest period of time.
     .    We reserve the right to defer payment of any amounts from the
          Guarantee Account for up to six months. We will not defer if the law
          requires us to pay earlier. We will not defer if the amount payable is
          to be used to pay premiums on policies with us.



For GE Life and Annuity Assurance Company



                                   A B C D E F
                                    President

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