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                                                                    EXHIBIT 4(d)

                     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.

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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