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                                                                    Exhibit 4(j)

                            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
                  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.


      "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.

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."

Item 3 under the section titled "DEATH OF OWNER BEFORE THE ANNUITY DATE" 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."



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The section titled "AMOUNT OF DEATH BENEFIT" in the Contract is modified as
follows:

If the Owner was age [82 or younger] on the Contract Date, [and death occurs
prior to the [90th] birthday,] 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)   [100% of] Net Purchase Payment(s) received prior to the Owner's
            [86th] birthday.

If the Owner was at least age [83 but younger than age 86] on the Contract Date,
[and death occurs prior to the Owner's [90th] birthday,] 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.

[If the Owner was age [90] or older at the time of death, 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.]

SPOUSAL BENEFICIARY CONTINUATION

If the Spousal Beneficiary was age [82 or younger] on the Continuation Date and
was younger than age [86] at the time of death, 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)   [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.

If the Spousal Beneficiary was at least age [83 but younger than age 86] on the
Continuation Date and younger than age [86] at the time of death, upon Our
receipt of the 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;


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      (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.


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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