EXHIBIT 99-B.4.91

                    AETNA LIFE INSURANCE AND ANNUITY COMPANY

                                   ENDORSEMENT





                                EXHIBIT 99-B.4.91

                    AETNA LIFE INSURANCE AND ANNUITY COMPANY

                                   ENDORSEMENT

This Contract, and the Certificate, if any, is endorsed as shown below.

The CONTROL OF CONTRACT section of CONTRACT SCHEDULE I is deleted and replaced
with the following:

The Contract Holder controls this Contract.  By notifying us in writing, the
Contract Holder may allow Participants to choose Investment Options for an
Individual Account.

All rights in this Contract rest with the Contract Holder, who is entitled to
all amounts held under this Contract. This Contract is designed to be used in
connection with deferred compensation plans under Code Section 457(b) that are
sponsored by tax-exempt, nonqualified, church-controlled organizations exempt
from Title I of the Employee Retirement Income Security Act of 1974 (ERISA), and
which are not churches, as defined in Code section 3121(w)(3)(A), as amended or
qualified church-controlled organizations, as defined in Code section
3121(w)(3)(B), as amended. It is the Contract Holder's responsibility to
determine the Plan's and sponsoring organization's status under ERISA and the
Code. ALIAC is not responsible for making these determinations.


SECTION 1.15 (CLAIMS OF CREDITORS) is deleted and replaced with the following:

Individual Accounts are subject to the claims of the Contract Holder's general
creditors. Individual Accounts are not subject to the claim of any creditor of a
Participant or a beneficiary, except to the extent provided by law.


Endorsed and made part of this Contract, and the Certificate, if any, on the
Effective Date of the Contract and Certificate.

                                                  /s/ Thomas J. McInerney

                                                  Thomas J. McInerney, President



E457b-C-01