EXHIBIT -99.(13)

Schedule of Computation of
Total Return Information for the Life Separate Account
Personal Annuity Growth Equity

				45 months (From
				April 3, 2000
	January 1, 2003			commencement of
	to			operations to
	December 31, 2003			December 31, 2003)
Hypothetical initial payment of $1,000 (P)	$	1,000.00		$	1,000.00
Accumulation unit value:
At start of period (A)	$	10.1795		$	26.1634
At end of period (B)	$	13.0001		$	13.0001
Ending value of hypothetical investment (EV) = P x (B/A)	$	1,277.09		$	496.87
Cumulative rate of total return = ((EV/P)-1) x 100		27.71	%		-50.31	%
Number of years in period (n)		1			375
Net change factor (1+T)n = EV/P		1.27709			0.49687
Average annual compound rate of total return (T)		27.71	%		-17.00	%

Schedule of Computation of
Total Return Information for the Life Separate Account
Personal Annuity Growth & Income

				45 months (From
				April 3, 2000
	January 1, 2003			commencement of
	to			operations to
	December 31, 2003			December 31, 2003)
Hypothetical initial payment of $1,000 (P)	$	1,000.00		$	1,000.00
Accumulation unit value:
At start of period (A)	$	15.5549		$	26.8134
At end of period (B)	$	19.5695		$	19.5695
Ending value of hypothetical investment (EV) = P x (B/A)	$	1,258.09		$	729.84
Cumulative rate of total return = ((EV/P)-1) x 100		25.81	%		-27.02	%
Number of years in period (n)		1			3.75
Net change factor (1+T)n = EV/P		1.25809			0.72984
Average annual compound rate of total return (T)		25.81	%		-8.05	%

Schedule of Computation of
Total Return Information for the Life Separate Account
Personal Annuity International Equity

				45 months (From
				April 3, 2000
	January 1, 2003			commencement of
	to			operations to
	December 31, 2003			December 31, 2003)
Hypothetical initial payment of $1,000 (P)	$	1,000.00		$	1,000.00
Accumulation unit value:
At start of period (A)	$	11.1019		$	22.7839
At end of period (B)	$	15.5880		$	15.5880
Ending value of hypothetical investment (EV) = P x (B/A)	$	1,404.08		$	684.17
Cumulative rate of total return = ((EV/P)-1) x 100		40.41	%		-31.58	%
Number of years in period (n)		1			3.75
Net change factor (1+T)n = EV/P		1.40408			0.68417
Average annual compound rate of total return (T)		40.41	%		-9.62	%

Schedule of Computation of
Total Return Information for the Life Separate Account
Personal Annuity Social Choice Equity

				45 months (From
				April 3, 2000
	January 1, 2003			commencement of
	to			operations to
	December 31, 2003			December 31, 2003)
Hypothetical initial payment of $1,000 (P)	$	1,000.00		$	1,000.00
Accumulation unit value:
At start of period (A)	$	16.6903		$	26.7035
At end of period (B)	$	21.6036		$	21.6036
Ending value of hypothetical investment (EV) = P x (B/A)	$	1,294.38		$	809.02
Cumulative rate of total return = ((EV/P)-1) x 100		29.44	%		-19.10	%
Number of years in period (n)		1			3.80
Net change factor (1+T)n = EV/P		1.29438			0.80902
Average annual compound rate of total return (T)		29.44	%		-5.49	%

Schedule of Computation of
Total Return Information for the Life Separate Account Stock Index

				60 months (From
				January 4, 1999
	January 1, 2003			commencement of
	to			operations to
	December 31, 2003			December 31, 2003)
Hypothetical initial payment of $1,000 (P)	$	1,000.00		$	1,000.00
Accumulation unit value:
At start of period (A)	$	20.1429		$	26.0969
At end of period (B)	$	26.2377		$	26.2377
Ending value of hypothetical investment (EV) = P x (B/A)	$	1,302.58		$	1,005.40
Cumulative rate of total return = ((EV/P)-1) x 100		30.26	%		0.54	%
Number of years in period (n)		1			5
Net change factor (1+T)n = EV/P		1.30258			1.0054
Average annual compound rate of total return (T)		30.26	%		0.11	%

Schedule of Computation of
Total Return Information for the Life Separate Account
Personal Annuity Large-Cap Value

				14 months (From
				October 28, 2002
	January 1, 2003			commencement of
	to			operations to
	December 31, 2003			December 31, 2003)
Hypothetical initial payment of $1,000 (P)	$	1,000.00		$	1,000.00
Accumulation unit value:
At start of period (A)	$	24.9779		$	24.5895
At end of period (B)	$	33.1252		$	33.1252
Ending value of hypothetical investment (EV) = P x (B/A)	$	1,326.18		$	1,347.13
Cumulative rate of total return = ((EV/P)-1) x 100		32.62	%		34.71	%
Number of years in period (n)		1			1.18
Net change factor (1+T)n = EV/P		1.32618			1.34713
Average annual compound rate of total return (T)		32.62	%		28.63	%

Schedule of Computation of
Total Return Information for the Life Separate Account
Personal Annuity Small-Cap Equity

				14 months (From
				October 28, 2002
	January 1, 2003			commencement of
	to			operations to
	December 31, 2003			December 31, 2003)
Hypothetical initial payment of $1,000 (P)	$	1,000.00		$	1,000.00
Accumulation unit value:
At start of period (A)	$	24.7297		$	23.9297
At end of period (B)	$	36.6649		$	36.6649
Ending value of hypothetical investment (EV) = P x (B/A)	$	1,482.63		$	1,532.19
Cumulative rate of total return = ((EV/P)-1) x 100		48.26	%		53.22	%
Number of years in period (n)		1			1.18
Net change factor (1+T)n = EV/P		1.48263			1.53219
Average annual compound rate of total return (T)		48.26	%		43.41	%

Schedule of Computation of
Total Return Information for the Life Separate Account
Personal Annuity Real Estate Securities

				14 months (From
				October 28, 2002
	January 1, 2003			commencement of
	to			operations to
	December 31, 2003			December 31, 2003)
Hypothetical initial payment of $1,000 (P)	$	1,000.00		$	1,000.00
Accumulation unit value:
At start of period (A)	$	24.8138		$	23.6598
At end of period (B)	$	34.5509		$	34.5509
Ending value of hypothetical investment (EV) = P x (B/A)	$	1,392.41		$	1,460.32
Cumulative rate of total return = ((EV/P)-1) x 100		39.24	%		46.03	%
Number of years in period (n)		1			1.18
Net change factor (1+T)n = EV/P		1.39241			1.46032
Average annual compound rate of total return (T)		39.24	%		37.70	%