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                       MAXIMUM ANNIVERSARY VALUE 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 definitions are 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
                      Payments 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.

     "MAXIMUM ANNIVERSARY VALUE" -- The greatest Contract anniversary value
     occurring prior to the Owner's [83rd] birthday.

     "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.

[MAXIMUM ANNIVERSARY VALUE OPTIONAL DEATH BENEFIT CHARGE
On an annual basis, this charge equals [0% -- 1.00%] 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.]

MAXIMUM ANNIVERSARY VALUE DEATH BENEFIT
If the Owner was age [82 or younger] on the Contract 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] Net Purchase Payment(s) received prior to the earlier of the
          Owner's [86th] birthday or date of death; or

      (3) [100% of] the Maximum Anniversary Value that occurs prior to the
          Owner'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) received since that Contract anniversary but prior
          to the Owner's [86th] birthday and/or Withdrawals taken since that
          Contract anniversary.

If the Owner was at least age [83 but younger than age 86] on the Contract Date,
upon Our receipt of all Required Documentation at Our Annuity Service Center, 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] Net Purchase Payment(s) received prior to the Owner's
              [86th] birthday; or

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


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[If the Owner was age [86 or older on the Contract Date, 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.]

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 [82 or younger] 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) received after the Continuation
          Date but prior to the Spousal Beneficiary's [86th] birthday and/or
          Withdrawals taken after the Continuation Date; or

      (3) [100% of] the Maximum Anniversary Value after the Continuation Date
          and preceding the date of death 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) received after that Contract anniversary but prior
          to the Spousal Beneficiary's [86th] birthday and/or Withdrawals taken
          since that Contract anniversary.

If the Spousal Beneficiary was at least age [83 but younger than age 86] 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 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) received after the
             Continuation Date but prior to the Spousal Beneficiary's [86th]
             birthday and/or Withdrawals taken 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.


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

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

AIG SUNAMERICA LIFE ASSURANCE COMPANY


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



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