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                                                                    Exhibit 4(c)


                     PURCHASE PAYMENT ACCUMULATION OPTIONAL
                            DEATH BENEFIT ENDORSEMENT

Notwithstanding any provision in the Contract or Certificate ("Contract") to the
contrary, this Endorsement becomes a part of the Participant's or Owner's
("Owner) Contract to which it is attached. Should any provision in this
Endorsement conflict with the Contract, the provisions of this Endorsement will
prevail.

This Endorsement modifies the "AMOUNT OF DEATH BENEFIT" under the section titled
"DEATH OF OWNER BEFORE THE ANNUITY DATE" in the Contract. The following is added
to the "DEFINITIONS" section of the Contract:

         "DEATH BENEFIT ADJUSTMENT" -- Any increase or reduction to the amount
         of the Death Benefit payable to account for Purchase Payment and/or
         Withdrawal activity after a specified point in time which will equal a,
         b or c, whichever is applicable, as follows:

                  (a) Where only Purchase Payment(s) are received after the
                      specified point in time, the dollar value of the Purchase
                      Payment(s) will be added to the Death Benefit payable; or

                  (b) Where only Withdrawals are made after the specified point
                      in time, the Withdrawal will reduce the Death Benefit
                      payable in the same proportion that the Contract Value was
                      reduced at the time of the Withdrawal; or

                  (c) Where Purchase Payment(s) have been received and
                      Withdrawals made after the specified point in time, the
                      Death Benefit amount payable will be adjusted by Purchase
                      Payment(s) received after a specified point in time,
                      reduced by any Withdrawal, received after that specified
                      point in time in the same proportion that the Contract
                      Value was reduced at the time of the Withdrawal.

         "NET PURCHASE PAYMENT(S)" - the sum of all Purchase Payment(s) reduced
         for each Withdrawal in the same proportion that the Contract Value is
         reduced by such Withdrawal.

         "REQUIRED DOCUMENTATION" - (a) Due Proof of Death that the Owner or the
         Spousal Beneficiary died before the Annuity Date; and, (b) an election
         form specifying the payment option(s); and, (c) any other documentation
         We may require.

         "WITHDRAWAL(S)" - amount(s) withdrawn from the Contract Value including
         any charges and fees applicable to each such Withdrawal.

The definition of "SPOUSAL BENEFICIARY" is modified to read:

"The original deceased Owner's surviving spouse who is designated as the primary
Beneficiary at the time of the owner's death and may continue the Contract as
the Owner on the Continuation Date."


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Item 3 under the section titled "DEATH OF OWNER BEFORE THE ANNUITY DATE" in the
Contract is modified as follows:

      3.  "If eligible, continue the Contract as a Spousal Beneficiary. On the
          Continuation Date, We will contribute to the Contract any amount by
          which the Death Benefit exceeds the Contract Value, calculated as of
          the Owner's date of death. This amount is not considered a Purchase
          Payment except in the calculation of certain death benefits upon the
          death of the Spousal Beneficiary."

PURCHASE PAYMENT ACCUMULATION OPTIONAL DEATH BENEFIT CHARGE
On an annual basis, this charge equals [0.15%] of Your average daily ending
value of the assets attributable to the Accumulation Units of the Subaccount(s)
or Variable Portfolio(s) to which the Contract is allocated. We deduct this
charge daily. This charge is in addition to the charges in Your Contract.

PURCHASE PAYMENT ACCUMULATION OPTIONAL DEATH BENEFIT
If the Owner was age [74 or younger] on the Contract Date, upon Our receipt at
Our Annuity Service Center of all Required Documentation, We will calculate the
Death Benefit and it will be the greatest of:

      (1) [100% of] Contract Value for the NYSE business day during which We
          receive all Required Documentation at Our Annuity Service Center; or

      (2) [100% of] Net Purchase Payment(s) compounded at [3%] interest until
          the earlier of the Owner's [75th] birthday or the date of death; and a
          Death Benefit Adjustment for Purchase Payment(s)transacted after the
          Owner's [75th] birthday but prior to the Owner's [86th] birthday
          and/or Withdrawals transacted after the owner's [75th] birthday; or

      (3) [100% of] Contract Value at the [seventh] Contract anniversary; and a
          Death Benefit Adjustment for Purchase Payment(s) transacted after the
          [seventh] Contract anniversary but prior to the Owner's [86th]
          birthday and/or Withdrawals transacted after the [seventh] Contract
          anniversary.

SPOUSAL BENEFICIARY CONTINUATION
If the Spousal Beneficiary continues the Contract on the Continuation Date, the
Death Benefit payable upon the death of the Spousal Beneficiary will be as
follows:

    If the Spousal Beneficiary was age [74 or younger] on the Continuation Date,
    upon Our receipt at Our Annuity Service Center of all Required
    Documentation, We will calculate the Death Benefit and it will be the
    greatest of:

          (1) [100% of] Contract Value for the NYSE business day during which We
              receive all Required Documentation at Our Annuity Service Center;
              or

          (2) [100% of] Contract Value on the Continuation Date; and a Death
              Benefit Adjustment for Purchase Payment(s) and/or Withdrawals
              transacted since the Continuation Date, compounded at [3%]
              interest until the earlier of the Spousal Beneficiary's [75th]
              birthday or the date of death; and a further Death Benefit
              Adjustment for Purchase Payment(s) transacted after the Spousal
              Beneficiary's



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              [75th] birthday but prior to the Spousal Beneficiary's [86th]
              birthday and/or Withdrawals transacted after the Spousal
              Beneficiary's [75th] birthday or

          (3) [100% of] Contract Value at the [seventh] Contract anniversary;
              and a Death Benefit Adjustment for Purchase Payment(s) transacted
              after the [seventh] Contract anniversary but prior to the Spousal
              Beneficiary's [86th] birthday and/or Withdrawals transacted after
              the [seventh] Contract anniversary.

    If the Spousal Beneficiary was age [75 but younger than age 83] on the
    Continuation Date, upon Our receipt of all Required Documentation at Our
    Annuity Service Center, We will calculate the Death Benefit and it will be
    the greatest of:

          (1) [100% of] Contract Value for the NYSE business day during which We
              receive all Required Documentation at Our Annuity Service Center;
              or

          (2) [100% of] Contract Value on the Continuation Date, and a Death
              Benefit Adjustment for Purchase Payment(s) transacted after the
              Continuation Date but prior to the Spousal Beneficiary's [86th]
              birthday and/or Withdrawals transacted after the Continuation
              Date; or

          (3) [100% of] the Maximum Anniversary Value after the Continuation
              Date that occurs prior to the Spousal Beneficiary's [83rd]
              birthday. The Maximum Anniversary Value is equal to the greatest
              anniversary value attained from the following:

          As of the date of receipt at Our Annuity Service Center of all
          Required Documentation, anniversary value is equal to the Contract
          Value on a Contract anniversary and a Death Benefit Adjustment for
          Purchase Payment(s) transacted after that Contract anniversary but
          prior to the Spousal Beneficiary's [86th] birthday and/or Withdrawals
          transacted since that Contract anniversary.

    If the Spousal Beneficiary was at least age [83 but younger than age 86] on
    the Continuation Date, and death occurs prior to the [86th] birthday, upon
    receipt at Our Annuity Service Center of all Required Documentation, We
    will calculate the Death Benefit and it will be the greater of:

          (1) [100% of] Contract Value for the NYSE business day during which We
              receive all Required Documentation at Our Annuity Service Center;
              or

          (2) The lesser of:

              a)  [100% of] Contract Value on the Continuation Date and a Death
                  Benefit Adjustment for Purchase Payment(s) transacted after
                  the Continuation Date but prior to the Spousal Beneficiary's
                  [86th] birthday and/or Withdrawals transacted after the
                  Continuation Date; or

              b)  [125% of] Contract Value for the NYSE business day during
                  which We receive all Required Documentation at Our Annuity
                  Service Center.

If the Spousal Beneficiary was age [86] or older at the time of death, the Death
Benefit will be [100% of] Contract Value for the NYSE business day during which
We receive all Required Documentation at Our Annuity Service Center.


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Signed for the Company to be effective on the Contract Date.

AIGSUNAMERICA LIFE ASSURANCE COMPANY

/s/ CHRISTINE A. NIXON                           /s/ JANA W. GREER
-------------------------------                  -------------------------------
    Christine A. Nixon                               Jana W. Greer
        Secretary                                      President



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