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                                                              EXHIBIT (4)(c)(ii)

                    AMERICAN GENERAL LIFE INSURANCE COMPANY

                                   AMENDMENT


This Amendment has been added to and made a part of the Contract to which it is
attached.

The provision entitled "Death Proceeds Before the Annuity Commencement Date" is
hereby changed to read as follows:

     DEATH PROCEEDS BEFORE THE ANNUITY COMMENCEMENT DATE.  If the Annuitant dies
     before the Annuity Commencement Date, and is survived by a Contingent
     Annuitant, this Contract will be continued with the Contingent Annuitant
     being named the Annuitant.  This Contract may qualify for continuation
     under the "Distribution of Death Proceeds under Non-Qualified Contracts"
     provision. Otherwise, death proceeds will be paid as follows (unless the
     Owner has specified in Writing that death proceeds are to be paid in a
     different manner):

     (1)  If the Annuitant dies, and no Contingent Annuitant survives, death
          proceeds will be paid to the Beneficiary designated by the Owner to
          receive proceeds;

     (2)  If an Owner (other than a Joint Owner) dies, and this Contract is not
          being continued under the "Distribution of Death Proceeds under Non-
          Qualified Contracts" provision, death proceeds will be paid to the
          Beneficiary designated by the Owner to receive proceeds;

     (3)  If a Joint Owner dies, death proceeds will be paid to the surviving
          Joint Owner, if living; otherwise, death proceeds will be paid to the
          person designated as Beneficiary if:

          (a)  This Contract is not being continued under the "Distribution of
               Death Proceeds under Non-Qualified Contracts" provision; and

          (b)  Joint Owners have not specified in writing that death proceeds
               are to be paid in a different manner.

     If the Annuitant or an Owner dies, the amount of the death proceeds will be
     the greatest of the following amounts:

     (1)  The sum of all Net Purchase Payments (gross Purchase Payments less any
          applicable Premium Tax or other applicable tax) reduced upon a Partial
          Withdrawal in the same proportion as the reduction in Account Value;

     (2)  The Account Value at the end of the Valuation Period on the date of
          receipt of proof of death and election of the manner of payment, less
          applicable Premium Taxes or other applicable tax charge; or

     (3)  The Highest Anniversary Value prior to the date of death, determined
          as follows:

          (a)  We will calculate the Account Values at the end of every Contract
               Anniversary that occurred prior to the deceased's 81/st/
               birthday;

          (b)  Each of the Account Values will be increased by the amount of Net
               Purchase Payments made since the end of such Contract
               Anniversaries;

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          (c)  The result will be reduced upon a Partial Withdrawal in the same
               proportion as the reduction in the Account Value.

     The Account Value is the value after deduction for fees.  The Partial
     Withdrawal used in the determination of the Minimum Death Benefit is equal
     to the full withdrawal amount minus surrender charges.  Net Purchase
     Payments are Purchase Payments less applicable taxes deducted at the time a
     Purchase Payment is made.

     The death proceeds will become payable when We receive:

     (1)  Proof of the Owner's or Annuitant's Death; and

     (2)  A Written request from the Beneficiary for either a single sum or
          payment under an Annuity Option.

     If the Annuitant dies, and a Contingent Annuitant was named but predeceased
     the Annuitant, We will require proof of the Contingent Annuitant's death in
     addition to proof of the death of the Annuitant.  We will pay a single sum
     to the Beneficiary unless an Annuity Option is chosen.

The effective date of this Amendment is March 31, 2000 or the Date of issue of
the Contract, if later.



                                      /s/ RONALD H. RIDLEHUBER
                                     -------------------------
                                          President

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