Exhibit 16(24)(a)



                                Power of Attorney

I, J. Scott Fox, Director, Aetna Life Insurance and Annuity Company, do hereby
constitute and appoint Susan E. Bryant, Kirk P. Wickman, 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 by Aetna Life Insurance
and Annuity Company under the Securities Act of 1933 and the Investment Company
Act of 1940.

Registration Statements filed under the Securities Act of 1933:

2-52448                         33-75960                        33-75998
2-52449                         33-75962                        33-75996
33-02339                        33-75964                        33-76000
33-34370                        33-75966                        33-76002
33-34583                        33-75968                        33-76004
33-42555                        33-75970                        33-76018
33-60477                        33-75972                        33-76024
33-61897                        33-75974                        33-76026
33-62473                        33-75976                        33-79118
33-63657                        33-75978                        33-79122
333-01107                       33-75980                        33-81216
33-63611                        33-75982                        33-87642
33-64277                        33-75984                        33-87932
33-64331                        33-75986                        33-88720
33-75248                        33-75988                        33-88722
33-75954                        33-75990                        33-88724
33-75956                        33-75992                        33-89858
33-75958                        33-75994                        33-91846
333-15187                       333-09515

Registration Statements filed under the Investment Company Act of 1940:

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

hereby ratifying and confirming on this 31st day of March 1997 my signature as
it may be signed by my said attorneys to any such registration statements,
applications and any and all amendments thereto:


         /s/ J. Scott Fox
- ----------------------------------------------------------------
         J. Scott Fox
         Director





                                Power of Attorney

I, Daniel P. Kearney, Director and President (principal executive officer) of
Aetna Life Insurance and Annuity Company, do hereby constitute and appoint Susan
E. Bryant, Kirk P. Wickman, 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
post-effective amendments to the Registration Statements listed below filed with
the Securities and Exchange Commission by Aetna Life Insurance and Annuity
Company under the Securities Act of 1933 and the Investment Company Act of 1940.

Registration Statements filed under the Securities Act of 1933:

2-52448                         33-75960                        33-75998
2-52449                         33-75962                        33-75996
33-02339                        33-75964                        33-76000
33-34370                        33-75966                        33-76002
33-34583                        33-75968                        33-76004
33-42555                        33-75970                        33-76018
33-60477                        33-75972                        33-76024
33-61897                        33-75974                        33-76026
33-62473                        33-75976                        33-79118
33-63657                        33-75978                        33-79122
333-01107                       33-75980                        33-81216
33-63611                        33-75982                        33-87642
33-64277                        33-75984                        33-87932
33-64331                        33-75986                        33-88720
33-75248                        33-75988                        33-88722
33-75954                        33-75990                        33-88724
33-75956                        33-75992                        33-89858
33-75958                        33-75994                        33-91846
333-15187                       333-09515

Registration Statements filed under the Investment Company Act of 1940:

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

hereby ratifying and confirming on this 22nd day of January, 1997 my signature
as it may be signed by my said attorneys to any such registration statements,
applications and any and all amendments thereto:


/s/ Daniel P. Kearney
- ----------------------------------------------------------------
Daniel P. Kearney
Director and President (principal executive officer)





                                Power of Attorney

I, Deborah Koltenuk, Vice President and Treasurer, Corporate Controller of Aetna
Life Insurance and Annuity Company, do hereby constitute and appoint Susan E.
Bryant, Kirk P. Wickman, 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 by Aetna Life Insurance and Annuity Company under the
Securities Act of 1933 and the Investment Company Act of 1940.

Registration Statements filed under the Securities Act of 1933:

2-52448                         33-75960                        33-75998
2-52449                         33-75962                        33-75996
33-02339                        33-75964                        33-76000
33-34370                        33-75966                        33-76002
33-34583                        33-75968                        33-76004
33-42555                        33-75970                        33-76018
33-60477                        33-75972                        33-76024
33-61897                        33-75974                        33-76026
33-62473                        33-75976                        33-79118
33-63657                        33-75978                        33-79122
333-01107                       33-75980                        33-81216
33-63611                        33-75982                        33-87642
33-64277                        33-75984                        33-87932
33-64331                        33-75986                        33-88720
33-75248                        33-75988                        33-88722
33-75954                        33-75990                        33-88724
33-75956                        33-75992                        33-89858
33-75958                        33-75994                        33-91846
333-15187                       333-09515

Registration Statements filed under the Investment Company Act of 1940:

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

hereby ratifying and confirming on this 20th day of January, 1997 my signature
as it may be signed by my said attorneys to any such registration statements,
applications and any and all amendments thereto:


/s/ Deborah Koltenuk
- ----------------------------------------------------------------
Deborah Koltenuk
Vice President and Treasurer, Corporate Controller






                                POWER OF ATTORNEY


I, Timothy A. Holt, Director and Chief Financial Officer, Aetna Life Insurance
and Annuity Company, do hereby constitute and appoint Susan E. Bryant, Kirk P.
Wickman, 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 by Aetna Life Insurance and Annuity Company under the Securities Act
of 1933 and the Investment Company Act of 1940.

Registration Statements filed under the Securities Act of 1933:

2-52448                         33-75960                        33-75998
2-52449                         33-75962                        33-75996
33-02339                        33-75964                        33-76000
33-34370                        33-75966                        33-76002
33-34583                        33-75968                        33-76004
33-42555                        33-75970                        33-76018
33-60477                        33-75972                        33-76024
33-61897                        33-75974                        33-76026
33-62473                        33-75976                        33-79118
33-63657                        33-75978                        33-79122
333-01107                       33-75980                        33-81216
33-63611                        33-75982                        33-87642
33-64277                        33-75984                        33-87932
33-64331                        33-75986                        33-88720
33-75248                        33-75988                        33-88722
33-75954                        33-75990                        33-88724
33-75956                        33-75992                        33-89858
33-75958                        33-75994                        33-91846
333-15187                       333-09515

Registration Statements filed under the Investment Company Act of 1940:

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

hereby ratifying and confirming on this 22nd day of January, 1997 my signature
as it may be signed by my said attorneys to any such registration statements,
applications and any and all amendments thereto:


/s/ Timothy A. Holt
- ----------------------------------------------------------------
Timothy A. Holt
Director and Chief Financial Officer





                                POWER OF ATTORNEY


I, Christopher J. Burns, Director, Aetna Life Insurance and Annuity Company, do
hereby constitute and appoint Susan E. Bryant, Kirk P. Wickman, 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 by Aetna Life
Insurance and Annuity Company under the Securities Act of 1933 and the
Investment Company Act of 1940.

Registration Statements filed under the Securities Act of 1933:

2-52448                         33-75960                        33-75998
2-52449                         33-75962                        33-75996
33-02339                        33-75964                        33-76000
33-34370                        33-75966                        33-76002
33-34583                        33-75968                        33-76004
33-42555                        33-75970                        33-76018
33-60477                        33-75972                        33-76024
33-61897                        33-75974                        33-76026
33-62473                        33-75976                        33-79118
33-63657                        33-75978                        33-79122
333-01107                       33-75980                        33-81216
33-63611                        33-75982                        33-87642
33-64277                        33-75984                        33-87932
33-64331                        33-75986                        33-88720
33-75248                        33-75988                        33-88722
33-75954                        33-75990                        33-88724
33-75956                        33-75992                        33-89858
33-75958                        33-75994                        33-91846
333-15187                       333-09515

Registration Statements filed under the Investment Company Act of 1940:

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

hereby ratifying and confirming on this 22nd day of January, 1997 my signature
as it may be signed by my said attorneys to any such registration statements,
applications and any and all amendments thereto:


/s/ Christopher J. Burns
- ----------------------------------------------------------------
Christopher J. Burns
Director





                                POWER OF ATTORNEY


I, Laura R. Estes, Director, Aetna Life Insurance and Annuity Company, do hereby
constitute and appoint Susan E. Bryant, Kirk P. Wickman, 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 by Aetna Life Insurance
and Annuity Company under the Securities Act of 1933 and the Investment Company
Act of 1940.

Registration Statements filed under the Securities Act of 1933:

2-52448                         33-75960                        33-75998
2-52449                         33-75962                        33-75996
33-02339                        33-75964                        33-76000
33-34370                        33-75966                        33-76002
33-34583                        33-75968                        33-76004
33-42555                        33-75970                        33-76018
33-60477                        33-75972                        33-76024
33-61897                        33-75974                        33-76026
33-62473                        33-75976                        33-79118
33-63657                        33-75978                        33-79122
333-01107                       33-75980                        33-81216
33-63611                        33-75982                        33-87642
33-64277                        33-75984                        33-87932
33-64331                        33-75986                        33-88720
33-75248                        33-75988                        33-88722
33-75954                        33-75990                        33-88724
33-75956                        33-75992                        33-89858
33-75958                        33-75994                        33-91846
333-15187                       333-09515

Registration Statements filed under the Investment Company Act of 1940:

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

hereby ratifying and confirming on this 22nd day of January, 1997 my signature
as it may be signed by my said attorneys to any such registration statements,
applications and any and all amendments thereto:


/s/ Laura R. Estes
- ----------------------------------------------------------------
Laura R. Estes
Director





                                POWER OF ATTORNEY


I, Gail P. Johnson, Director, Aetna Life Insurance and Annuity Company, do
hereby constitute and appoint Susan E. Bryant, Kirk P. Wickman, 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 by Aetna Life
Insurance and Annuity Company under the Securities Act of 1933 and the
Investment Company Act of 1940.

Registration Statements filed under the Securities Act of 1933:

2-52448                         33-75960                        33-75998
2-52449                         33-75962                        33-75996
33-02339                        33-75964                        33-76000
33-34370                        33-75966                        33-76002
33-34583                        33-75968                        33-76004
33-42555                        33-75970                        33-76018
33-60477                        33-75972                        33-76024
33-61897                        33-75974                        33-76026
33-62473                        33-75976                        33-79118
33-63657                        33-75978                        33-79122
333-01107                       33-75980                        33-81216
33-63611                        33-75982                        33-87642
33-64277                        33-75984                        33-87932
33-64331                        33-75986                        33-88720
33-75248                        33-75988                        33-88722
33-75954                        33-75990                        33-88724
33-75956                        33-75992                        33-89858
33-75958                        33-75994                        33-91846
333-15187                       333-09515

Registration Statements filed under the Investment Company Act of 1940:

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

hereby ratifying and confirming on this 17th day of January, 1997 my signature
as it may be signed by my said attorneys to any such registration statements,
applications and any and all amendments thereto:


/s/ Gail P. Johnson
- ----------------------------------------------------------------
Gail P. Johnson
Director





                                POWER OF ATTORNEY


I, John Y. Kim, Director, Aetna Life Insurance and Annuity Company, do hereby
constitute and appoint Susan E. Bryant, Kirk P. Wickman, 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 by Aetna Life Insurance
and Annuity Company under the Securities Act of 1933 and the Investment Company
Act of 1940.

Registration Statements filed under the Securities Act of 1933:

2-52448                         33-75960                        33-75998
2-52449                         33-75962                        33-75996
33-02339                        33-75964                        33-76000
33-34370                        33-75966                        33-76002
33-34583                        33-75968                        33-76004
33-42555                        33-75970                        33-76018
33-60477                        33-75972                        33-76024
33-61897                        33-75974                        33-76026
33-62473                        33-75976                        33-79118
33-63657                        33-75978                        33-79122
333-01107                       33-75980                        33-81216
33-63611                        33-75982                        33-87642
33-64277                        33-75984                        33-87932
33-64331                        33-75986                        33-88720
33-75248                        33-75988                        33-88722
33-75954                        33-75990                        33-88724
33-75956                        33-75992                        33-89858
33-75958                        33-75994                        33-91846
333-15187                       333-09515

Registration Statements filed under the Investment Company Act of 1940:

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

hereby ratifying and confirming on this 21st day of January, 1997 my signature
as it may be signed by my said attorneys to any such registration statements,
applications and any and all amendments thereto:


/s/ John Y. Kim
- ----------------------------------------------------------------
John Y. Kim
Director





                                POWER OF ATTORNEY


I, Shaun P. Mathews, Director, Aetna Life Insurance and Annuity Company, do
hereby constitute and appoint Susan E. Bryant, Kirk P. Wickman, 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 by Aetna Life
Insurance and Annuity Company under the Securities Act of 1933 and the
Investment Company Act of 1940.

Registration Statements filed under the Securities Act of 1933:

2-52448                         33-75960                        33-75998
2-52449                         33-75962                        33-75996
33-02339                        33-75964                        33-76000
33-34370                        33-75966                        33-76002
33-34583                        33-75968                        33-76004
33-42555                        33-75970                        33-76018
33-60477                        33-75972                        33-76024
33-61897                        33-75974                        33-76026
33-62473                        33-75976                        33-79118
33-63657                        33-75978                        33-79122
333-01107                       33-75980                        33-81216
33-63611                        33-75982                        33-87642
33-64277                        33-75984                        33-87932
33-64331                        33-75986                        33-88720
33-75248                        33-75988                        33-88722
33-75954                        33-75990                        33-88724
33-75956                        33-75992                        33-89858
33-75958                        33-75994                        33-91846
333-15187                       333-09515

Registration Statements filed under the Investment Company Act of 1940:

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

hereby ratifying and confirming on this 22nd day of January, 1997 my signature
as it may be signed by my said attorneys to any such registration statements,
applications and any and all amendments thereto:


/s/ Shaun P. Mathews
- ----------------------------------------------------------------
Shaun P. Mathews
Director





                                POWER OF ATTORNEY


I, Glen Salow, Director, Aetna Life Insurance and Annuity Company, do hereby
constitute and appoint Susan E. Bryant, Kirk P. Wickman, 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 by Aetna Life Insurance
and Annuity Company under the Securities Act of 1933 and the Investment Company
Act of 1940

Registration Statements filed under the Securities Act of 1933:

2-52448                         33-75960                        33-75998
2-52449                         33-75962                        33-75996
33-02339                        33-75964                        33-76000
33-34370                        33-75966                        33-76002
33-34583                        33-75968                        33-76004
33-42555                        33-75970                        33-76018
33-60477                        33-75972                        33-76024
33-61897                        33-75974                        33-76026
33-62473                        33-75976                        33-79118
33-63657                        33-75978                        33-79122
333-01107                       33-75980                        33-81216
33-63611                        33-75982                        33-87642
33-64277                        33-75984                        33-87932
33-64331                        33-75986                        33-88720
33-75248                        33-75988                        33-88722
33-75954                        33-75990                        33-88724
33-75956                        33-75992                        33-89858
33-75958                        33-75994                        33-91846
333-15187                       333-09515

Registration Statements filed under the Investment Company Act of 1940:

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

hereby ratifying and confirming on this 17th day of January, 1997 my signature
as it may be signed by my said attorneys to any such registration statements,
applications and any and all amendments thereto:


/s/ Glen Salow
- ----------------------------------------------------------------
Glen Salow
Director





                                POWER OF ATTORNEY


I, Creed R. Terry, Director, Aetna Life Insurance and Annuity Company, do hereby
constitute and appoint Susan E. Bryant, Kirk P. Wickman, 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 by Aetna Life Insurance
and Annuity Company under the Securities Act of 1933 and the Investment Company
Act of 1940.

Registration Statements filed under the Securities Act of 1933:

2-52448                         33-75960                        33-75998
2-52449                         33-75962                        33-75996
33-02339                        33-75964                        33-76000
33-34370                        33-75966                        33-76002
33-34583                        33-75968                        33-76004
33-42555                        33-75970                        33-76018
33-60477                        33-75972                        33-76024
33-61897                        33-75974                        33-76026
33-62473                        33-75976                        33-79118
33-63657                        33-75978                        33-79122
333-01107                       33-75980                        33-81216
33-63611                        33-75982                        33-87642
33-64277                        33-75984                        33-87932
33-64331                        33-75986                        33-88720
33-75248                        33-75988                        33-88722
33-75954                        33-75990                        33-88724
33-75956                        33-75992                        33-89858
33-75958                        33-75994                        33-91846
333-15187                       333-09515

Registration Statements filed under the Investment Company Act of 1940:

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

hereby ratifying and confirming on this 22nd day of January, 1997 my signature
as it may be signed by my said attorneys to any such registration statements,
applications and any and all amendments thereto:


/s/ Creed R. Terry
- ----------------------------------------------------------------
Creed R. Terry
Director