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                                                                      EXHIBIT 4E

                                   ENDORSEMENT

                       OPTIONAL DEATH BENEFIT ENHANCEMENT

This Endorsement is made a part of, and subject to, the other terms and
conditions of the Contract to which it is attached.

This Endorsement modifies the AMOUNT OF DEATH BENEFIT before the Annuity Date
under the DEATH PROVISIONS and is effective on the Contract Date.

The following terms in this Endorsement are defined as follows:

     CONTINUATION DATE is the Date on which We receive, in Our Service Center
     both: (a) the Spousal Beneficiary's written request to continue the
     Contract in force, and (b) Due Proof of Death of the Contract Owner. If We
     receive (a) and (b) on different dates, the Continuation Date will be the
     later date.

     CONTINUATION YEAR is a year starting from the Continuation Date in one
     calendar year and ending on the day preceding the anniversary of such date
     in the succeeding calendar year.

     NET PURCHASE PAYMENT is the sum of all [Gross] Purchase Payments, reduced
     proportionately on the date of each partial withdrawal by the percentage at
     which the Contract Value is reduced by such withdrawal (including any fees
     or charges applicable to the withdrawal).

     SPOUSAL BENEFICIARY is the Owner's spouse who: (a) is designated as the
     primary Beneficiary; (b) is age 80 or younger at the time of the Owner's
     death; and (c) elects to continue the Contract as the Owner.

                      DEATH BENEFIT ENHANCEMENT PROVISIONS

The Death Benefit Enhancement is an amount, calculated using the Death Benefit
Enhancement table below that may be payable in addition to the Death Benefit
option You selected. Once elected, You cannot terminate this Death Benefit
Enhancement. However, Your Spousal Beneficiary can terminate this benefit on the
Continuation Date. The Death Benefit Enhancement terminates upon the Latest
Annuity Date.

<TABLE>
<CAPTION>


         ------------------------------------------------------------------------------------------------------
                            DEATH BENEFIT ENHANCEMENT
         ------------------------------------------------------------------------------------------------------
             Number of Years Elapsed*                     Percentage                 Maximum Benefit Percentage
                                                         of Earnings
         <S>                                             <C>                               <C>
                       [0-4]                               [0-100%]                          [0-100]
                       [5-9]                              [0-100%*]                          [0-100*]
                       [10+]                              [0-100%*]                          [0-100*]
         ---------------------------------- --------------------------------------- ---------------------------
         [*Does not apply on Spousal Continuation if Spousal Beneficiary is age 70 or older on the Continuation
         Date.]

</TABLE>

DEATH BENEFIT ENHANCEMENT CHARGE
On an annual basis, the Death Benefit Enhancement Charge is equal to [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), whichever is
applicable, to which the Contract Value is allocated. We deduct this charge
daily. This charge is in addition to the other charges that are deducted daily
in Your Contract.



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DEATH BENEFIT ENHANCEMENT BEFORE THE CONTINUATION DATE
Earnings, for purposes of calculating the Death Benefit Enhancement amount,
equal the amount by which Your Contract Value exceeds Net Purchase Payment(s) as
of the date of Your death. If You have earnings as defined above in Your
Contract at the time We receive Your Due Proof of Death, We will add any
applicable Death Benefit Enhancement to the amount of Your Death Benefit. The
Percentage of Earnings that will be added to Your Death Benefit as a Death
Benefit Enhancement depends on how long Your Contract was in force prior to the
date of Your death.

For purposes of determining any Death Benefit Enhancement amount payable upon
Your death, the items in the Death Benefit Enhancement table are described as
follows:

     NUMBER OF YEARS ELAPSED is the number of full Contract Years from the
     Contract Date to the date of Your death.

     PERCENTAGE OF EARNINGS is a percentage applied to the earnings in Your
     Contract from the Contract Date to the date of Your death.

     MAXIMUM BENEFIT PERCENTAGE is a percentage that when applied to the Net
     Purchase Payment(s) defines the maximum amount of the Death Benefit
     Enhancement. Net Purchase Payments received by Us after the [0-10th]
     Contract Anniversary, must remain in Your Contract for at least [0-12 full
     months] to be included in the calculation of the maximum amount of the
     Death Benefit Enhancement.

DEATH BENEFIT ENHANCEMENT AFTER THE CONTINUATION DATE
Upon receipt of Due Proof of Death of the Spousal Beneficiary, We will add any
applicable Death Benefit Enhancement to the amount of the Spousal Beneficiary's
Death Benefit.

For purposes of determining any Death Benefit Enhancement amount payable upon
the Spousal Beneficiary's death, the following items in the Death Benefit
Enhancement table are described as follows:

     NUMBER OF YEARS ELAPSED is the number of full Continuation Years from the
     Continuation Date to the date of death of the Spousal Beneficiary.

     PERCENTAGE OF EARNINGS is a percentage applied to the earnings in the
     Contract from the Continuation Date to the Spousal Beneficiary's date of
     death. For purposes of this calculation, earnings are defined as (a) minus
     (b) where:
          (a)  is the Contract Value on the Spousal Beneficiary's date of death;
               and
          (b)  is the sum of the Contract Value on the Continuation Date
               (including any amount added to the Contract Value by Us) and any
               Net Purchase Payment(s) received on or after the Continuation
               Date.

     MAXIMUM BENEFIT PERCENTAGE is a percentage, that when applied to the sum of
     (a) plus (b) below, defines the maximum amount of the Death Benefit
     Enhancement, where:

          (a)  is the Contract Value on the Continuation Date (including any
               amount added to the Contract Value by Us on the Continuation
               Date), reduced proportionately on the date of each partial
               withdrawal occurring on or after the Continuation Date, by the
               percentage at which the Contract Value is reduced by such
               withdrawal (including any fees or charges applicable to the
               withdrawal) on that date;
          (b)  is any Net Purchase Payment(s) made on or after the Continuation
               Date until the Spousal Beneficiary's date of death. Purchase
               Payments received by Us after [0-10] Continuation Years, must
               remain in Your Contract for at least [0-12 full months] to be
               included in the calculation of the maximum amount of the Death
               Benefit Enhancement.

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




ANCHOR NATIONAL LIFE INSURANCE COMPANY


  /s/ CHRISTINE A. NIXON                      /s/ JAY S. WINTROB
----------------------------             -------------------------------
    Christine A. Nixon                          Jay S. Wintrob
       Secretary                                   President

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