<PAGE>


                                 EXHIBIT 4(b)

                                 ENDORSEMENTS

<PAGE>

                       AUSA Life Insurance Company, Inc.
                           Home Office: Purchase, NY



                                  ENDORSEMENT

It is hereby understood and agreed that the Contract/Certificate to which this
Endorsement is attached is endorsed as follows:

The Mortality and Expense Risk Charge will be assessed daily at a rate of 0.20%
annually.

The Death Benefit prior to the Annuity Date will equal the Accumulated Value of
the Contract/Certificate as of the date due Proof of Death of the Annuitant is
received by the Company.

Signed for the Company at the Home Office.


Craig D. Vermie                                 Tom Schlossberg
Secretary                                       President



VVAPA 20 1101

<PAGE>

                       AUSA Life Insurance Company, Inc.
                           Home Office: Purchase, NY






                                  ENDORSEMENT

It is hereby understood and agreed that the Contract/Certificate to which this
Endorsement is attached is endorsed as follows:

The Mortality and Expense Risk Charge will be assessed daily at a rate of 0.20%
annually, with an additional charge of 0.0125% to be assessed quarterly based on
the Contract/Certificate Anniversary Date. This additional equivalent annual
charge of 0.05% will be assessed for a period of 10 years from the
Contract/Certificate Date. Therefore, the total Mortality and Expense Risk
Charge for that specific 10 year period will be 0.25% annually.

Signed for the Company at the Home Office.

Craig D. Vermie                                 Tom Schlossberg
Secretary                                       President










VVAPA 25 1101

<PAGE>

                       AUSA Life Insurance Company, Inc.
                           Home Office: Purchase, NY





                                  ENDORSEMENT

It is hereby understood and agreed that the Contract/Certificate to which this
Endorsement is attached is endorsed as follows:

The Mortality and Expense Risk Charge will be assessed daily at a rate of 0.20%
annually, with an additional charge of 0.03% to be assessed quarterly based on
the Contract/Certificate Anniversary Date. This additional equivalent annual
charge of 0.12% will not be assessed on or after the Annuitant's 80th birthday.
Therefore, the total Mortality and Expense Risk Charge for the period up until
the Annuitant's 80th birthday will be 0.32% annually.

The Death Benefit prior to the Annuity Date will be the greatest of:

1) the Accumulated Value of the Contract/Certificate as of the date due Proof of
   Death of the Annuitant is received by the Company;

2) the sum of all Purchase Payments, less any Adjusted Partial Withdrawals and
   Premium Taxes, if any; or

3) the highest Accumulated Value on any Contract/Certificate Anniversary after
   the effective date of this Endorsement and prior to the earlier of the
   Annuitant's date of death or the Annuitant's 80th birthday, plus any
   subsequent Purchase Payments received by the Company after such date, less
   any Adjusted Partial Withdrawals after such date, and Premium Taxes, if any.


Signed for the Company at the Home Office.


Craig D. Vermie                                 Tom Schlossberg
Secretary                                       President






VVAPA 32 1101