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                                                                    Exhibit 4(l)

[Letterhead of AIG SunAmerica              AIG SunAmerica Life Assurance Company
Life Assurance Company]                    1 SunAmerica Center
                                           Los Angeles, CA 90067-6022

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                           ANNUAL RATCHET ENDORSEMENT

This Endorsement adds a benefit to and becomes a part of the Contract to which
it is attached ("the Contract"). All definitions, provisions and exceptions of
the Contract apply to this Endorsement unless changed by this Endorsement. In
the case of any conflict between the provisions of the Contract and this
Endorsement, the provisions of this Endorsement will control.

While the Annual Ratchet Endorsement is in effect, the DEATH OF THE OWNER
provision in the DEATH BENEFIT Section of the contract is amended to read as
follows:

For the purposes of determining the amount of the Death Benefit, the primary
Owner is identified on the Contract Schedule. If the Owner is not a natural
person, for the purposes of determining the amount of the Death Benefit, the
primary Annuitant identified on the Contract Schedule will be considered the
primary Owner.

The Death Benefit is payable upon the death of any Owner prior to the Annuity
Date while the Contract is in force. After the Annuity Date, any Annuity
Payments remaining unpaid will continue to be paid pursuant to the Annuity
Option in effect at the date of the Owner's death.

Joint Owners, if applicable, shall be each other's primary Beneficiary. If the
Owner is not a natural person, the Joint Annuitants, if any, shall be each
other's primary Beneficiary. Any other Beneficiary designated on the Application
will be treated as a contingent Beneficiary. If an irrevocable Beneficiary has
been designated, the Beneficiary may not be changed.

The value of the Death Benefit will be determined as of the date We receive
proof of death and all required paperwork in a form acceptable to Us, provided
that this date is within 90 days after the date of death of the Owner. If We
receive proof of death and all required paperwork more than 90 days following
the date of death of the Owner, the Death Benefit will be reduced by the amount
of any decline in Contract Value since the 90th day following the date of death.

If the Owner who dies is not a primary Owner, then the Death Benefit payable
will be equal to the Contract Value.

If the Owner who dies is a primary Owner, the Death Benefit will be equal to the
greatest of (1), (2), or (3):

     (1)  the total of all Premiums paid, with each Premium adjusted for
          surrenders as described below; or

     (2)  the Contract Value; or

     (3)  the lesser of:

               (a)  the greatest Contract Value on any Contract Anniversary
                    prior to the primary Owner's date of death, plus any
                    Premiums received subsequent to that Contract Anniversary
                    adjusted for surrenders as described below; or

               (b)  [200%] of all Premiums paid, with each Premium adjusted for
                    surrenders as described below.

ADJUSTMENT FOR SURRENDERS. In the determination of the Death Benefit, for each
surrender, a proportionate reduction will be made to each Premium paid prior to
the surrender. The proportion is determined by dividing the amount of the
Contract Value surrendered by the Contract Value immediately prior to each
surrender. Upon total surrender of the Contract Value, the Contract is
terminated.

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If the Owner did not specify a Death Benefit payment option prior to his/her
death, the surviving Joint Owner or the Beneficiary may elect one of the
following Death Benefit options to be paid as follows:

1.  payment of the entire Death Benefit within 5 years of the date of the
    Owner's death; or

2.  payment over the lifetime of the surviving Joint Owner or primary
    Beneficiary with distribution beginning within 1 year of the date of death
    of the Owner (see Annuity Options section of this contract); or

3.  if the surviving Joint Owner or the Beneficiary is the spouse of the
    deceased Owner, he/she can continue the Contract in his/her own name; or

4.  in any mutually agreed form.

If no payment option has been elected within 60 days after such Death Benefit
became payable to such Beneficiary, We reserve the right to require that the
Death Benefit be paid in the form of a lump sum settlement.

If the ownership of the Contract has been modified as a result of an assignment,
the Death Benefit will be reset to the lesser of the maximum Contract
Anniversary Value, or the Contract Value at the time of assignment.

For the purposes of calculating the Death Benefit when the Contract has been
assigned, "Contract Anniversary" refers only to Contract Anniversaries on or
after the date of assignment. When the Contract has been assigned, the assignee
will be considered the primary Owner. However, We may reject or not recognize
assignments that alter the character of risk assumed for Death Benefits at the
time the Contract was issued.

The Annual Ratchet Endorsement will be in effect if:

1.  the Contract is in force;
2.  the Owner elected the Annual Ratchet on the Application; and
3.  the Contract Schedule reflects election of the feature by showing the charge
    for the Annual Ratchet.

Signed by the Company:


/s/ Christine A. Nixon                  /s/ Jana W. Greer
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   Christine A. Nixon                                 Jana W. Greer
       Secretary                                        President

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