WIXLIB

Surrenders and Partial Surrenders . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Surrenders and Partial Surrenders . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Restrictions on Distributions from Certain Contracts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Systematic Withdrawal Program . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .35353636The Death Benefit . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Death Benefit at Death of Annuitant Before the Maturity Date . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Basic Death Benefit . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Optional Guaranteed Minimum Death Benefit . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Optional Death Benefit . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Optional Enhanced Death Benefit . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .When We Calculate the Death Benefit . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Death of an Owner or Joint Owner Before the Maturity Date . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Death of Owner, Joint Owner, or Annuitant On or After the Maturity Date . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .373738383940404142Income Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Optional Payment Plans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Variable Income Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Transfers After the Maturity Date . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .42434444Tax Matters . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Introduction . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Taxation of Non-Qualified Contracts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Section 1035 Exchanges . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Qualified Retirement Plans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Federal Income Tax Withholding . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .State Income Tax Withholding . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Tax Status of the Company . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Federal Estate, Gift and Generation-Skipping Transfer Taxes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Definition of Spouse Under Federal Law . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Annuity Purchases by Residents of Puerto Rico . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Annuity Purchases by Nonresident Aliens and Foreign Corporations . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Foreign Tax Credits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Changes in the Law . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4545454748525252525252525353Requesting Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .53Distribution of the Contracts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .53Additional Information . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Owner Questions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .State Regulation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Evidence of Death, Age, Gender, Marital Status or Survival . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Records and Reports . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Other Information . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Unclaimed Property . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Legal Proceedings . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5454555555555555Appendix A — Portfolios Available Under the Contract . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A-1Appendix B — Death Benefits for Contract Form P1143 4/94 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .B-1Appendix C — Death Benefit Examples for Policy Form P1150 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .C-13

Home Office — Our office located at 6610 West Broad Street,Richmond, Virginia 23230.DEFINITIONSThe following terms are used throughout the prospectus:Maturity Date — The date on which income payments willcommence, if the Annuitant is living on that date. The MaturityDate is stated in your contract, unless changed by you in writingin a form acceptable to us. The owner selects the contract’sinitial Maturity Date at issue. The latest Maturity Date wecurrently permit may not be a date beyond the youngerAnnuitant’s 90th birthday, unless we consent to a later date.Accumulation Unit — An accounting unit of measure we useto calculate the value in the Separate Account before incomepayments begin.Annuitant — The person named in the contract upon whoseage and, where appropriate, gender, we use to determinemonthly income benefits. The Annuitant cannot be older thanage 85 at the time the contract is issued, unless we approve adifferent age.Portfolio — A division of a Fund, the assets of which areseparate from other Portfolios that may be available in the Fund.Each Portfolio has its own investment objective.Annuity Unit — An accounting unit of measure we use tocalculate of the amount of the second and each subsequentvariable income payment.Separate Account — Genworth Life & Annuity VA SeparateAccount 1, a separate investment account we established toreceive Subaccount allocations. The Separate Account isdivided into Subaccounts, each of which invests in shares of aseparate Portfolio.Code — The Internal Revenue Code of 1986, as amended.Contract Date — The date we issue your contract and yourcontract becomes effective. Your Contract Date is shown onyour contract. We use the Contract Date to determine contractyears and anniversaries.Subaccount — A division of the Separate Account whichinvests exclusively in shares of a designated Portfolio. ASubaccount may be referred to as an Investment Subdivision inyour contract and/or marketing materials.Contract Value — The total value of all your AccumulationUnits in the Subaccounts and any amount you hold in theGuarantee Account.Fund — Any open-end management investment company orany unit investment trust in which a Subaccount invests.Surrender Value — The value of your contract as of the datewe receive your written request to surrender at our HomeOffice, less any applicable premium tax, contract charge, anyoptional death benefit charge and any surrender charge.General Account — Assets of the Company other than thoseallocated to the Separate Account or any other segregated assetaccount of the Company.Valuation Day — Each day on which the New York StockExchange is open for regular trading, except for days that theSubaccount’s corresponding Portfolio does not value its shares.Guarantee Account — Part of our General Account thatprovides a guaranteed interest rate for a specified interest rateguarantee period. The Guarantee Account is not part of anddoes not depend on the investment performance of the SeparateAccount.Valuation Period — The period that starts at the close ofregular trading on the New York Stock Exchange on anyValuation Day and ends at the close of regular trading on thenext succeeding Valuation Day.4

IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE CONTRACTFees and ExpensesCharges for Early WithdrawalsLocation in ProspectusIf you withdraw money from yourcontract within seven years followingyour last premium payment, you may beassessed a surrender charge of up to 6%of the value of the premium paymentwithdrawn.Fee TablesCharges and Other Deductions —Surrender ChargeFor example, if you purchased thecontract and withdrew a 100,000 initialpremium payment sooner than onecomplete year after making the payment,you could be assessed a surrender chargeof up to 6,000 on the premium paymentwithdrawn.Transaction ChargesOngoing Fees and Expenses(annual charges)In addition to surrender charges, theinvestor may also be charged for othertransactions. We currently do not assessa transfer charge. However, we reservethe right to assess a transfer charge of 10 for each transfer among theSubaccounts after the first transfer in thecalendar month.Fee TablesThe table below describes the fees andexpenses that you may pay each year,depending on the options you choose.Please refer to your contract data pagefor information about the specific feesyou will pay each year based on theoptions you have elected.Fee TablesCharges and Other Deductions —Other ChargesCharges and Other DeductionsAnnual FeeMinimumMaximumBase contract11.40%1.40%Investment options (Portfolio fees and expenses)20.31%1.21%Optional benefits available for an additional charge (for a single optional benefit, if elected)30.10%0.25%1The base contract expense consists of the mortality and expense risk charge and administrative expense charge, each of which is expressed as an annualpercentage charge that is assessed as a percentage of average daily net assets in the Separate Account.2As a percentage of Portfolio assets. These expenses are as of December 31, 2021, and will vary from year to year.3The minimum fee is the current fee for the Optional Death Benefit, which is assessed as a percentage of the Contract Value at the time of the deduction. Themaximum fee is the current fee if the owner purchases the Optional Guaranteed Minimum Death Benefit. The fee for the Optional Guaranteed MinimumDeath Benefit is assessed as a percentage of the prior contract year’s average benefit amount.5

Because your contract is customizable, the choices you make affect how much you will pay. To help you understand the cost ofowning your contract, the following table shows the lowest and highest cost you could pay each year, based on current charges.This estimate assumes that you do not take withdrawals from the contract, which could add surrender charges thatsubstantially increase costs.Lowest Annual Cost:Highest Annual Cost: 1,836 3,291Assumes:Assumes:‰ Investment of 100,000‰ 5% annual appreciation‰ Most expensive combination of contract classes,optional benefits and Portfolio fees and expenses‰ No sales charges‰ No additional premium payments, transfers, orwithdrawals‰ Investment of 100,000‰ 5% annual appreciation‰ Least expensive combination of contract classes andPortfolio fees and expenses‰ No optional benefits‰ No sales charges‰ No additional premium payments, transfers, orwithdrawalsRisksRisk of LossNot a Short-TermInvestmentLocation in Prospectus‰ You can lose money by investing in thiscontract.Principal Risks of Investing in the Contract‰ This contract is not a short-term investmentand is not appropriate for an investor whoneeds ready access to cash.Principal Risks of Investing in the ContractThe Contract — Valuation of AccumulationUnitsCharges and Other Deductions‰ A surrender charge can apply whenever youmake a withdrawal of premium paymentsless than seven completed years after wereceived the premium payment.‰ The benefits of tax deferral mean that thecontract is more beneficial to investors witha long time horizon.Risks Associatedwith InvestmentOptions‰ An investment in this contract is subject tothe risk of poor investment performance,which can vary depending on theperformance of the investment optionsavailable under the contract (e.g., thePortfolios).‰ Each Portfolio (and the Guarantee Account)has its own unique risks.‰ You should review the prospectuses for thePortfolios and the section of this prospectusconcerning the Guarantee Account beforemaking an investment decision.6Principal Risks of Investing in the ContractThe Guarantee AccountAppendix A — Portfolios Available Underthe Contract

RisksInsurance CompanyRisksLocation in Prospectus‰ An investment in the contract is subject tothe risks related to the Company, includingthat any obligations (including under theGuarantee Account), guarantees, or benefitsare subject to the claims-paying ability ofthe Company. More information about theCompany, including its financial strengthratings, can be obtained by calling ourHome Office at (800) 352-9910 or writingto us at 6610 West Broad Street, Richmond,Virginia 23230.Principal Risks of Investing in the ContractThe CompanyRestrictionsInvestmentsLocation in Prospectus‰ We reserve the right, subject to applicablelaw, to make additions, deletions, andsubstitutions for the Portfolios of the Funds.The Separate Account — SubaccountsThe Guarantee AccountTransfers‰ We reserve the right to limit transfers iffrequent or large transfers occur, and tolimit transfers from the Subaccounts to theGuarantee Account.Optional Benefits‰ We reserve the right to modify certain ofour optional benefits. For example, wereserve the right to discontinue the PortfolioBalancing program or new Dollar CostAveraging programs, or to modify suchprograms at any time and for any reason.TaxesTax ImplicationsDollar Cost Averaging ProgramPortfolio Balancing ProgramLocation in Prospectus‰ You should consult with a tax professionalto determine the tax implications of aninvestment in and payments received underthe contract.‰ If you purchase the contract through aqualified retirement plan or individualretirement account (IRA), you do notreceive any additional tax benefit.‰ Withdrawals will be subject to ordinaryincome tax and may be subject to taxpenalties.7Tax Matters

Conflicts of InterestInvestmentProfessionalCompensationLocation in Prospectus‰ Your registered representative may receivecompensation for selling this contract toyou in the form of cash compensation (e.g.,commissions), non-cash compensation(e.g., conferences, trips, prizes, andawards), and special marketing allowances.Distribution of the Contracts‰ The prospect of receiving suchcompensation may create an incentive forselling firms and/or their registeredrepresentative to sell you this contractversus another product with respect withwhich a selling firm does not receiveadditional compensation, or a lower level ofadditional compensation. You may wish totake such compensation arrangements intoaccount when considering and evaluatingany recommendation relating to thecontracts.Exchanges‰ Some investment professionals may have afinancial incentive to offer you the contractin place of the one you own. Similarly,some investment professionals may have afinancial incentive to offer you a differentcontract in place of this one. You shouldonly exchange your current contract if youdetermine, after comparing the features,fees, and risks of both contracts, that it isbetter for you to purchase the new contractrather than continue to own your existingcontract.8Distribution of the Contracts

What type of contract is this? The contract is an individualflexible premium variable deferred annuity contract. We mayissue it as a contract qualified under the Code (“QualifiedContract”), or as a contract that is not qualified under the Code(“Non-Qualified Contract”). This prospectus only providesdisclosure about the contract. Certain features described in thisprospectus may vary from your particular contract. See “TheContract” provision of this prospectus.OVERVIEW OF THE CONTRACTThe following is intended as a summary. Please read eachsection of this prospectus for additional detail.This annuity is a contract between you, as the owner of thecontract, and the Company. The contract is designed forretirement savings and/or other long-term investment purposes.You should consider the contract in conjunction with any otherannuity contract or life insurance policy you own.What are my variable investment choices? Through itsSubaccounts, the Separate Account uses your premiumpayments to purchase shares, at your direction, in one or morePortfolios. In turn, each Portfolio holds securities consistentwith its own particular investment objective. See “The SeparateAccount” provision of this prospectus and Appendix A (whichprovides certain information about the underlying Portfolioscorresponding to each Subaccount).What are the phases of the contract? The contract has twophases — the accumulation phase and the annuity phase.During the accumulation phase you can apply premiumpayments to the investment options available under yourcontract, and we provide the basic death benefit at no additionalcost. The accumulation phase is the “savings” phase of thecontract, in that premium payments you have made can grow ona tax-deferred basis during this phase.Additional information about each Portfolio is provided inAppendix A to this prospectus, entitled “PortfoliosAvailable Under the Contract.”The annuity phase is also known as the “income” phase of thecontract, because it is during that phase that you apply theContract Value you have accumulated to an annuity paymentoption under which you receive regular payments (generallymonthly). You can choose fixed or variable income payments.If you choose variable income payments, we will base eachperiodic income payment upon the number of Annuity Units towhich you become entitled at the

VARIABLE ANNUITY PLUS PROSPECTUS FOR A FLEXIBLE PREMIUM VARIABLE DEFERRED ANNUITY Issued by Genworth Life and Annuity Insurance Company May 1, 2022 Genworth Life & Annuity VA Separate Account 1 13739 05/01/22 STOP THE PAPER! VISIT GENWORTH.COM TO REGISTER TO RECEIVE DOCUMENTS VIA E-MAIL. 03/12/2018 18:10:45;