Document:

<PAGE>
                                                                    EXHIBIT 4(b)

                     ANCHOR NATIONAL LIFE INSURANCE COMPANY

                    INDIVIDUAL RETIREMENT ANNUITY ENDORSEMENT

This Endorsement amends the Contract to which it is attached so that it may
qualify as an Individual Retirement Annuity (IRA) under Section 408(b) of the
Internal Revenue Code (Code) and the Regulations under that Section. The
endorsement may be amended from time to time to comply with changes in the
Internal Revenue Code. The Owner has the right to refuse to accept any such
amendment; however, we shall not be held liable for any tax consequences
incurred by the Owner as a result of such refusal. In the case of a conflict
with any provision in the Contract, the provisions of this Endorsement will
control. The effective date of this Endorsement is the Contract Date shown on
the Contract Data Page. The Contract is amended as follows:

1.     The Owner, Annuitant and Payee shall be the same individual. The Owner,
       Annuitant and Payee cannot be changed, except as otherwise permitted
       under the IRC and applicable regulations. All distributions made while
       the Owner is alive must be made to the Owner.

2.     The interest of the Owner under this Contract shall be nonforfeitable
       except as provided by law.

3.     This Contract may not be sold, assigned, discounted, pledged as
       collateral for a loan or as security for the performance of any
       obligation or for any other purpose, or otherwise transferred (other than
       a transfer incident to a divorce or separation instrument in accordance
       with Section 408(d)(6) of the Code) to any person other than to the
       Company.

4.     This Contract is established for the exclusive benefit of the Owner and
       his or her Beneficiary(ies).

5.     Except in the case of a rollover contribution (as permitted by Code
       Sections 402(c), 403(a)(4), 403(b)(8), or 408(d)(3)), or a contribution
       made in accordance with the terms of a Simplified Employee Pension (SEP)
       as described in Code Section 408(k), or a nontaxable transfer from an
       individual retirement account under 408(a) of the Code or another IRA
       under Section 408(b) of the Code, contributions shall not exceed $2,000
       for any taxable year. All contributions must be in cash.

       Any refund of premiums (other than those attributable to excess
       contributions) will be applied, before the close of the calendar year
       following the year of the refund, toward the payment of future premiums
       or the purchase of additional benefits.

       No contribution will be accepted under a SIMPLE IRA plan established by
       any employer pursuant to Code section 408(p). No transfer or rollover of
       funds attributable to contributions made by a particular employer under
       its SIMPLE IRA plan will be accepted from a SIMPLE IRA, that is, an IRA
       used in conjunction with a SIMPLE IRA plan, prior

                                       1
<PAGE>

       to the expiration of the 2-year period beginning on the date the
       individual first participated in that employer's SIMPLE IRA plan.

6.     Unless otherwise permitted under applicable law, the Owner's entire
       interest in the Contract shall be distributed no later than the "required
       beginning date," or commence to be distributed beginning no later than
       the "required beginning date," over

       (a)     the life of the Owner, or the lives of the Owner and his or her
               designated Beneficiary (within the meaning of section 401(a) of
               the Code), or

       (b)     a period certain not extending beyond the life expectancy of the
               Owner, or the joint and last survivor expectancy of the Owner and
               his or her Beneficiary as required by law.

       As used in this Endorsement, the term "required beginning date" means
       April 1 of the calendar year following the calendar year in which the
       Owner attains age 70 1/2, or such later date provided by law.

       Payments must be made in periodic payments at intervals of no longer than
       one year. In addition, payments must be either nonincreasing or they may
       increase only as provided in Q&A F-3 of Section 1.401(a)(9)-1 of the
       Proposed Income Tax Regulations.

       If the Owner's interest is to be distributed over a period greater than
       one year, the amount to be distributed by December 31 of each year
       (including the year in which the required beginning date occurs) will be
       made in accordance with the requirements of Code Section 401(a)(9),
       including the incidental death benefit requirements of Code Section
       401(a)(9)(G), and the regulations thereunder, including the minimum
       distribution incidental benefit requirement of Code Section 1.401(a)(9)-2
       of the Proposed Income Tax Regulations.

       Life expectancy is computed by use of the expected return multiples in
       Tables V and VI of Section 1.72-9 of the Income Tax Regulations. Unless
       otherwise elected by the Owner by the time distributions are required to
       begin, life expectancies shall be recalculated annually. Such election
       shall be irrevocable by the Owner and shall apply to all subsequent
       years. The life expectancy of a non-spouse designated Beneficiary may not
       be recalculated. Instead, life expectancy will be calculated using the
       attained age of such designated Beneficiary during the calendar year in
       which the Owner attains age 70 1/2, and payments for subsequent years
       shall be calculated based on such life expectancy reduced by one for each
       calendar year which has elapsed since the calendar year life expectancy
       was first calculated. Life expectancy for distributions under an Annuity
       Payment Option may not be recalculated.

7.     Unless otherwise permitted under applicable law, upon the death of the
       Owner:

                                       2
<PAGE>

       (a)    if the Owner dies on or after the required beginning date (or if
              distributions have begun before the required beginning date as
              irrevocable annuity payments or income payments, whichever term is
              applicable), the remaining portion of the Owner's interest (if
              any) shall be distributed at least as rapidly as under the method
              of distribution in effect as of the Owner's death;

       (b)    if the Owner dies before the required beginning date and an
              irrevocable annuity distribution has not begun, the entire
              interest will be distributed by December 31 of the calendar year
              which contains the fifth anniversary of the Owner's death except
              that:

              (1)    if the interest is payable to an individual who is the
                     Owner's designated Beneficiary, the designated Beneficiary
                     may elect to receive the entire interest over the life of
                     the designated Beneficiary or over a period not extending
                     beyond the life expectancy of the designated Beneficiary,
                     commencing on or before December 31 of the calendar year
                     immediately following the calendar year in which the Owner
                     died; or

              (2)    if the designated Beneficiary is the Owner's surviving
                     spouse, the surviving spouse may elect to receive the
                     entire interest over the life of the surviving spouse or
                     over a period not extending beyond the life expectancy of
                     the surviving spouse, commencing at any date on or before
                     the later of (A) December 31 of the calendar year
                     immediately following the calendar year in which the Owner
                     died or (B) December 31 of the calendar year in which the
                     Owner would have attained age 70 1/2. If the surviving
                     spouse dies before distributions begin, the limitations of
                     this paragraph 7 (without regard to this paragraph (b))
                     will be applied as if the surviving spouse were the Owner.

                     An irrevocable election of the method of distribution by a
                     designated Beneficiary who is the surviving spouse must be
                     made no later than the earlier of December 31 of the
                     calendar year containing the fifth anniversary of the
                     Owner's death or the date distributions are required to
                     begin pursuant to this paragraph (b).

              (3)    if the designated Beneficiary is the Owner's surviving
                     spouse, the spouse may irrevocably elect to treat the
                     Contract as his or her own IRA. This election will be
                     deemed to have been made if such surviving spouse, subject
                     to the requirements of Section 5 of this Endorsement, (i)
                     makes a regular IRA contribution to the Contract, (ii)
                     makes a rollover to or from the Contract, or (iii) fails to
                     elect that his or her interest will be distributed in
                     accordance with one of the preceding provisions of this
                     paragraph (b).

                                       3
<PAGE>

                     An irrevocable election of the method of distribution by a
                     designated Beneficiary who is not the surviving spouse must
                     be made no later than December 31 of the calendar year
                     immediately following the calendar year in which the Owner
                     died. If no such election is made, the entire interest will
                     be distributed by December 31 of the calendar year
                     containing the fifth anniversary of the Owner's death.

       Life expectancy is computed by use of the expected return multiples in
       Tables V and VI of Section 1.72-9 of the Income Tax Regulations. For
       purposes of distributions beginning after the Owner's death, unless
       otherwise elected by the surviving spouse by the time distributions are
       required to begin, life expectancies shall be recalculated annually. Such
       election shall be irrevocable by the surviving spouse and shall apply to
       all subsequent years. In the case of any other designated Beneficiary,
       life expectancies shall be calculated using the attained age of such
       designated Beneficiary during the calendar year in which distributions
       are required to begin pursuant to this section, and payments for any
       subsequent calendar year shall be calculated based on such life
       expectancy reduced by one for each calendar year which has elapsed since
       the calendar year life expectancy was first calculated. Life expectancy
       for distributions under an Annuity Payment Option in the Contract may not
       be recalculated.

       Distributions under this section are considered to have begun if
       distributions are made on account of the Owner reaching his or her
       required beginning date or if prior to the required beginning date
       distributions irrevocably commence over a period permitted and in an
       annuity form acceptable under Section 1.401(a)(9) of the Proposed Income
       Tax Regulations.

8.     The Company shall furnish annual calendar year reports concerning the
       status of the Contract.

The following provisions entitled MISSTATEMENT OF AGE, PROOF OF AGE AND SURVIVAL
and the table of Annuity Payment Options apply to Simplified Employee Pension
(SEP) contracts only:

9.     The MISSTATEMENT OF AGE OR SEX section of the Contract is deleted and
       replaced by the following section entitled MISSTATEMENT OF AGE.

       MISSTATEMENT OF AGE

       If the Age of any Annuitant has been misstated, future annuity payments
       will be adjusted using the correct Age according to Our rates in effect
       on the date that annuity payments were determined. Any overpayment from
       the Fixed Account Options, plus interest at the rate of 4% per year, will
       be deducted from the next payment(s) due. Any underpayment from the Fixed
       Account Options, plus interest at the rate of 4% per year, will be paid
       in full with the next payment due. Any overpayment from the Variable
       Portfolios

                                       4
<PAGE>

       ("Subaccounts") will be deducted from the next payment(s) due. Any
       underpayment from the Variable Portfolios will be paid in full with the
       next payment due.

10.    The PROOF OF AGE, SEX OR SURVIVAL section of the Contract is deleted and
       replaced by the following section entitled PROOF OF AGE AND SURVIVAL.

       PROOF OF AGE AND SURVIVAL. We may require satisfactory proof of correct
       age at anytime. If any payment under this Contract depends on the
       Annuitant being alive, we may require satisfactory proof of survival.

11.    Except to the extent Treasury regulations allow us to offer additional
       Annuity Payment Options that are acceptable to us, only Annuity Payment
       Options 1 and 1v, 2 and 2v, 3 and 3v, 4 and 4v, 5 and 5v shall be offered
       unless we consent to the use of an additional option. Under Annuity
       Payment Options 2 and 2v, and 3 and 3v, the designated second person must
       be either the Owner's spouse or an individual who is not more than 10
       years younger than the Owner. Annuity Payment Options 3 and 3v are not
       available to an Owner and the designated second person where the life
       expectancy of the Owner and such person is less than 10 years. Also,
       Annuity Payment Options 4 and 4v are not available to an Owner where the
       Owner's life expectancy is less than 10 years, and Annuity Payment
       Options 5 and 5v are not available to an Owner where the Owner's life
       expectancy is less than 5 years.

       Any additional Annuity Payment Option under the Contract must meet the
       requirements of section 408(b) of the Code and applicable regulations.
       The provisions of this Endorsement reflecting the requirements of Code
       Sections 401(a)(9) and 408(b) override any additional Annuity Payment
       Option inconsistent with such requirements.

       If a guaranteed or specified period of payments is chosen under an
       Annuity Payment Option, the length of the period must not exceed the
       shorter of (1) the Owner's life expectancy, or if a designated second
       person is named, the joint and last survivor expectancy of the Owner and
       the designated second person, and (2) the applicable maximum period under
       Section 1.401(a)(9)-2 of the Proposed Income Tax Regulations.

12.    If you return the Contract within 10 days after the Contract Date, the
       Company will refund the amount of your Purchase Payments, without
       adjustment for such items as sales commissions, administrative expenses,
       and fluctuation in market value for the Valuation Period in which the
       Contract is received. We reserve the right to allocate your Purchase
       Payment(s) to the Cash Management Subaccount until the end of the 10 day
       period. Thereafter, allocations will be made as shown on the Contract
       Data Page.

13.    The provisions of this Endorsement are intended to comply with the
       requirements of the Code and applicable regulations for IRAs under
       Section 408(b) of the Code. The Company reserves the right to amend the
       Contract and this Endorsement from time to time, without the Owner's
       consent, when such amendment is necessary to assure

                                       5
<PAGE>

       continued qualification of the Contract as an IRA under Section 408(b) of
       the Code (and any successor provision) as in effect from time to time.
       The Owner has the right to refuse to accept any such amendment; however,
       we shall not be held liable for any tax consequences incurred by the
       Owner as a result of such refusal.

14.    The tables in the Annuity Payment Options section are deleted and
       replaced by the following:

                                       6
<PAGE>

                       FIXED ANNUITY PAYMENT OPTIONS TABLE

BASIS OF COMPUTATION

The actuarial basis for the Table of Annuity Rates is the 1983a Annuity
Mortality Table with projection and a guaranteed interest rate of 3%. The
mortality table is projected using Projection Scale G factors, assuming
annuitization in the year 2000, and assumes an equal distribution of males and
females. The Fixed Annuity Payment Options Table does not include any applicable
premium tax.

            OPTIONS 1 & 4 - TABLE OF MONTHLY INSTALLMENTS PER $1,000.
    (MONTHLY INSTALLMENTS FOR AGES NOT SHOWN WILL BE FURNISHED UPON REQUEST.)

<TABLE>
<CAPTION>
                     OPTION 1                OPTION 4                OPTION 4
                                           LIFE ANNUITY            LIFE ANNUITY
  AGE OF                                 (W/120 PAYMENTS         (W/240 PAYMENTS
ANNUITANT          LIFE ANNUITY             GUARANTEED)             GUARANTEED)
---------          ------------             -----------             -----------
<S>                <C>                   <C>                     <C>
      55                  4.04                     4.00                   3.90
      56                  4.11                     4.08                   3.96
      57                  4.19                     4.15                   4.02
      58                  4.28                     4.23                   4.09
      59                  4.37                     4.32                   4.15
      60                  4.47                     4.41                   4.22
      61                  4.57                     4.50                   4.29
      62                  4.68                     4.61                   4.36
      63                  4.80                     4.71                   4.43
      64                  4.93                     4.82                   4.50
      65                  5.07                     4.94                   4.57
      66                  5.21                     5.07                   4.64
      67                  5.37                     5.20                   4.72
      68                  5.53                     5.34                   4.79
      69                  5.71                     5.48                   4.86
      70                  5.90                     5.63                   4.92
      71                  6.11                     5.79                   4.99
      72                  6.33                     5.95                   5.05
      73                  6.57                     6.13                   5.11
      74                  6.82                     6.30                   5.16
      75                  7.10                     6.48                   5.21
      76                  7.39                     6.67                   5.26
      77                  7.71                     6.86                   5.30
      78                  8.05                     7.05                   5.34
      79                  8.42                     7.24                   5.37
      80                  8.81                     7.44                   5.40
      81                  9.24                     7.63                   5.42
      82                  9.70                     7.82                   5.44
      83                 10.19                     8.00                   5.46
      84                 10.72                     8.17                   5.47
      85                 11.29                     8.34                   5.49
</TABLE>

                                       7
<PAGE>

              OPTION 2 - TABLE OF MONTHLY INSTALLMENTS PER $1,000.
    (MONTHLY INSTALLMENTS FOR AGES NOT SHOWN WILL BE FURNISHED UPON REQUEST.)
                       JOINT & 100% SURVIVOR LIFE ANNUITY

<TABLE>
<CAPTION>
 AGE OF
ANNUITANT                                   AGE OF ANNUITANT
---------        -------------------------------------------------------------------------
                  55          60         65          70         75         80          85
                 ----        ----       ----        ----       ----       ----        ----
<S>              <C>         <C>        <C>         <C>        <C>        <C>         <C>
       55        3.54        3.66       3.77        3.85       3.92       3.97        4.00
       60        3.66        3.83       3.99        4.14       4.25       4.34        4.39
       65        3.77        3.99       4.23        4.45       4.65       4.80        4.91
       70        3.85        4.14       4.45        4.78       5.10       5.37        5.57
       75        3.92        4.25       4.65        5.10       5.57       6.02        6.40
       80        3.97        4.34       4.80        5.37       6.02       6.70        7.35
       85        4.00        4.39       4.91        5.57       6.40       7.35        8.35
</TABLE>

              OPTION 3 - TABLE OF MONTHLY INSTALLMENTS PER $1,000.
    (MONTHLY INSTALLMENTS FOR AGES NOT SHOWN WILL BE FURNISHED UPON REQUEST.)
         JOINT & 100% SURVIVOR LIFE ANNUITY (W/120 PAYMENTS GUARANTEED)

<TABLE>
<CAPTION>
 AGE OF
ANNUITANT                                   AGE OF ANNUITANT
---------        -------------------------------------------------------------------------
                  55          60         65          70         75         80          85
                 ----        ----       ----        ----       ----       ----        ----
<S>              <C>         <C>        <C>         <C>        <C>        <C>         <C>
       55        3.54        3.66       3.76        3.85       3.91       3.96        3.98
       60        3.66        3.83       3.99        4.13       4.24       4.32        4.37
       65        3.76        3.99       4.22        4.44       4.63       4.77        4.86
       70        3.85        4.13       4.44        4.76       5.06       5.31        5.47
       75        3.91        4.24       4.63        5.06       5.50       5.89        6.18
       80        3.96        4.32       4.77        5.31       5.89       6.46        6.92
       85        3.98        4.37       4.86        5.47       6.18       6.92        7.55
</TABLE>

              OPTION 3 - TABLE OF MONTHLY INSTALLMENTS PER $1,000.
    (MONTHLY INSTALLMENTS FOR AGES NOT SHOWN WILL BE FURNISHED UPON REQUEST)
         JOINT & 100% SURVIVOR LIFE ANNUITY (W/240 PAYMENTS GUARANTEED)

<TABLE>
<CAPTION>
 AGE OF
ANNUITANT                                   AGE OF ANNUITANT
---------        -------------------------------------------------------------------------
                  55          60         65          70         75         80          85
                 ----        ----       ----        ----       ----       ----        ----
<S>              <C>         <C>        <C>         <C>        <C>        <C>         <C>
      55         3.53        3.65       3.75        3.82       3.87       3.89        3.90
      60         3.65        3.81       3.96        4.07       4.15       4.20        4.21
      65         3.75        3.96       4.16        4.34       4.46       4.53        4.56
      70         3.82        4.07       4.34        4.58       4.76       4.86        4.91
      75         3.87        4.15       4.46        4.76       4.99       5.13        5.20
      80         3.89        4.20       4.53        4.86       5.13       5.30        5.38
      85         3.90        4.21       4.56        4.91       5.20       5.38        5.46
</TABLE>

                                       8
<PAGE>

              OPTION 5 - TABLE OF MONTHLY INSTALLMENTS PER $1,000.

<TABLE>
<CAPTION>
                           FIXED PAYMENT FOR SPECIFIED PERIOD
 NUMBER       MONTHLY     NUMBER     MONTHLY    NUMBER     MONTHLY    NUMBER     MONTHLY
OF YEARS      PAYMENT    OF YEARS    PAYMENT   OF YEARS    PAYMENT   OF YEARS    PAYMENT
--------      -------    --------    -------   --------    -------   --------    -------
<S>           <C>        <C>         <C>       <C>         <C>       <C>         <C>
                              10       9.61         17       6.23         24       4.84
                              11       8.86         18       5.96         25       4.71
      5         17.91         12       8.24         19       5.73         26       4.59
      6         15.14         13       7.71         20       5.51         27       4.47
      7         13.16         14       7.26         21       5.32         28       4.37
      8         11.68         15       6.87         22       5.15         29       4.27
      9         10.53         16       6.53         23       4.99         30       4.18
</TABLE>

                                       9
<PAGE>

                     VARIABLE ANNUITY PAYMENT OPTIONS TABLE

BASIS OF COMPUTATION

The actuarial basis for the Table of Annuity Rates is the 1983a Annuity
Mortality Table with projection and an effective annual Assumed Investment Rate
of 3.5%. The mortality table is projected using Projection Scale G factors,
assuming annuitization in the year 2000, and assumes an equal distribution of
males and females. The Variable Annuity Payment Options Table does not include
any applicable premium tax.

           OPTIONS 1v & 4v - TABLE OF MONTHLY INSTALLMENTS PER $1,000.
    (MONTHLY INSTALLMENTS FOR AGES NOT SHOWN WILL BE FURNISHED UPON REQUEST.)

<TABLE>
<CAPTION>
                     OPTION 1v              OPTION 4v               OPTION 4v
                                           LIFE ANNUITY            LIFE ANNUITY
  AGE OF                                 (W/120 PAYMENTS         (W/240 PAYMENTS
ANNUITANT          LIFE ANNUITY            GUARANTEED)             GUARANTEED)
---------          ------------            -----------             -----------
<S>                <C>                   <C>                     <C>
    55                 4.33                    4.30                    4.19
    56                 4.41                    4.37                    4.25
    57                 4.49                    4.44                    4.31
    58                 4.57                    4.52                    4.37
    59                 4.66                    4.61                    4.43
    60                 4.76                    4.70                    4.50
    61                 4.86                    4.79                    4.56
    62                 4.98                    4.89                    4.63
    63                 5.09                    5.00                    4.70
    64                 5.22                    5.11                    4.77
    65                 5.36                    5.22                    4.84
    66                 5.50                    5.35                    4.91
    67                 5.66                    5.48                    4.98
    68                 5.83                    5.61                    5.05
    69                 6.00                    5.76                    5.12
    70                 6.20                    5.91                    5.18
    71                 6.40                    6.06                    5.25
    72                 6.62                    6.23                    5.31
    73                 6.86                    6.39                    5.36
    74                 7.12                    6.57                    5.42
    75                 7.39                    6.75                    5.46
    76                 7.69                    6.93                    5.51
    77                 8.01                    7.12                    5.55
    78                 8.35                    7.31                    5.58
    79                 8.72                    7.50                    5.62
    80                 9.11                    7.69                    5.64
    81                 9.54                    7.88                    5.67
    82                10.00                    8.07                    5.69
    83                10.50                    8.24                    5.70
    84                11.03                    8.42                    5.72
    85                11.60                    8.58                    5.73
</TABLE>

                                       10
<PAGE>

              OPTION 2v - TABLE OF MONTHLY INSTALLMENTS PER $1,000.
   (MONTHLY INSTALLMENTS FOR AGES NOT SHOWN WILL BE FURNISHED UPON REQUEST.)
                       JOINT & 100% SURVIVOR LIFE ANNUITY

<TABLE>
<CAPTION>
 AGE OF
ANNUITANT                            AGE OF ANNUITANT
---------     ----------------------------------------------------------------
               55        60        65        70        75        80        85
              ----      ----      ----      ----      ----      ----      ----
<S>           <C>       <C>       <C>       <C>       <C>       <C>       <C>
      55      3.83      3.95      4.05      4.14      4.21      4.26      4.29
      60      3.95      4.11      4.27      4.42      4.53      4.62      4.68
      65      4.05      4.27      4.50      4.73      4.92      5.08      5.19
      70      4.14      4.42      4.73      5.05      5.37      5.64      5.85
      75      4.21      4.53      4.92      5.37      5.84      6.29      6.67
      80      4.26      4.62      5.08      5.64      6.29      6.97      7.62
      85      4.29      4.68      5.19      5.85      6.67      7.62      8.61
</TABLE>

              OPTION 3v - TABLE OF MONTHLY INSTALLMENTS PER $1,000.
    (MONTHLY INSTALLMENTS FOR AGES NOT SHOWN WILL BE FURNISHED UPON REQUEST.)
         JOINT & 100% SURVIVOR LIFE ANNUITY (W/120 PAYMENTS GUARANTEED)

<TABLE>
<CAPTION>
 AGE OF
ANNUITANT                                AGE OF ANNUITANT
---------      ----------------------------------------------------------------------
                55         60         65         70         75         80         85
               ----       ----       ----       ----       ----       ----       ----
<S>            <C>        <C>        <C>        <C>        <C>        <C>        <C>
      55       3.83       3.95       4.05       4.14       4.20       4.25       4.27
      60       3.95       4.11       4.27       4.41       4.52       4.60       4.65
      65       4.05       4.27       4.50       4.72       4.91       5.05       5.14
      70       4.14       4.41       4.72       5.03       5.33       5.58       5.75
      75       4.20       4.52       4.91       5.33       5.77       6.16       6.45
      80       4.25       4.60       5.05       5.58       6.16       6.72       7.17
      85       4.27       4.65       5.14       5.75       6.45       7.17       7.80
</TABLE>

                                       11
<PAGE>

              OPTION 3v - TABLE OF MONTHLY INSTALLMENTS PER $1,000.
    (MONTHLY INSTALLMENTS FOR AGES NOT SHOWN WILL BE FURNISHED UPON REQUEST.)
         JOINT & 100% SURVIVOR LIFE ANNUITY (W/240 PAYMENTS GUARANTEED)

<TABLE>
<CAPTION>
 AGE OF
ANNUITANT                              AGE OF ANNUITANT
---------      ----------------------------------------------------------------
                55        60        65        70        75        80        85
               ----      ----      ----      ----      ----      ----      ----
<S>            <C>       <C>       <C>       <C>       <C>       <C>       <C>
       55      3.82      3.94      4.03      4.11      4.15      4.18      4.19
       60      3.94      4.09      4.24      4.35      4.43      4.47      4.49
       65      4.03      4.24      4.44      4.61      4.73      4.80      4.83
       70      4.11      4.35      4.61      4.84      5.02      5.12      5.17
       75      4.15      4.43      4.73      5.02      5.25      5.38      5.45
       80      4.18      4.47      4.80      5.12      5.38      5.55      5.62
       85      4.19      4.49      4.83      5.17      5.45      5.62      5.70
</TABLE>

              OPTION 5v - TABLE OF MONTHLY INSTALLMENTS PER $1,000.
                         PAYMENTS FOR A SPECIFIED PERIOD

<TABLE>
<CAPTION>
 NUMBER       MONTHLY      NUMBER     MONTHLY     NUMBER     MONTHLY     NUMBER     MONTHLY
OF YEARS      PAYMENT     OF YEARS    PAYMENT    OF YEARS    PAYMENT    OF YEARS    PAYMENT
--------      -------     --------    -------    --------    -------    --------    -------
<S>           <C>         <C>         <C>        <C>         <C>        <C>         <C>
                              10        9.83         17        6.47         24        5.09
                              11        9.09         18        6.20         25        4.96
       5       18.12          12        8.46         19        5.97         26        4.84
       6       15.35          13        7.94         20        5.75         27        4.73
       7       13.38          14        7.49         21        5.56         28        4.63
       8       11.90          15        7.10         22        5.39         29        4.53
       9       10.75          16        6.76         23        5.24         30        4.45
</TABLE>

                                       12
<PAGE>

All other terms and conditions of the Contract remain unchanged.

ANCHOR NATIONAL LIFE INSURANCE COMPANY

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

                                       13<PAGE>
                                                                    EXHIBIT 4(c)

                          PURCHASE PAYMENT ACCUMULATION

                       OPTIONAL DEATH BENEFIT ENDORSEMENT

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 under the DEATH OF OWNER
BEFORE THE ANNUITY DATE and is effective on the Contract Date.

The following are added under the DEFINITIONS section of the Contract:

       CONTINUATION DATE

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

       CONTINUATION YEAR

       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

       The sum of all 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

       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.

AMOUNT OF DEATH BENEFIT

If You are age 80 or younger on the Contract Date, and You die prior to the
Annuity Date, the amount of the Death Benefit will be determined based upon the
Death Benefit option You selected on the Application Form. Once a Death Benefit
option is selected it cannot be changed or terminated. However, Your Spousal
Beneficiary can terminate this benefit on the Continuation Date.

PURCHASE PAYMENT ACCUMULATION OPTIONAL DEATH BENEFIT CHARGE

On an annual basis, this charge equals [.25%] of Your average daily ending value
of the assets attributable to the Accumulation Units of the Subaccount(s) to
which the Contract is allocated. We deduct this charge daily. This charge is in
addition to the charges in Your Contract.

                                       1
<PAGE>

PURCHASE PAYMENT ACCUMULATION OPTIONAL DEATH BENEFIT

As of the date We receive Due Proof of Death, the Death Benefit will be the
greater of:

(a)    The Contract Value; or

(b)    Purchase Payment(s) reduced for any partial withdrawals (and any fees or
       charges applicable to such withdrawals), in the same proportion that the
       Contract Value was reduced on the date of such withdrawal, compounded at
       [5%] interest up to the earlier of Your attainment of age 80 or the date
       of death, plus any Purchase Payment(s) reduced for any partial
       withdrawals (and any fees or charges applicable to such withdrawals) in
       the same proportion that the Contract Value was reduced on the date of
       such withdrawal recorded after the date of death. This benefit will not
       exceed two times the Net Purchase Payment(s).

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. This benefit is in addition to the Purchase Payment
Accumulation Death Benefit. The Death Benefit Enhancement terminates upon the
Latest Annuity Date.

<TABLE>
<CAPTION>
                       DEATH BENEFIT ENHANCEMENT
---------------------------------------------------------------------
                                  Percentage          Maximum Benefit
Number of Years Elapsed*         of Earnings            Percentage
------------------------         -----------          ---------------
<S>                              <C>                  <C>
        [0-4]                       [0-100%]               [0-100]
        [5-9]                      [0-100%*]              [0-100*]
        [10+]                      [0-100%*]              [0-100*]
</TABLE>

[*Does not apply on Spousal Continuation if Spousal Beneficiary is age 70 or
older on the Continuation Date.]

For purposes of determining any Death Benefit Enhancement payable upon Your
death, the following 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.

                                       2
<PAGE>

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

                                       3
<PAGE>

                          PURCHASE PAYMENT ACCUMULATION
                       OPTIONAL DEATH BENEFIT ENDORSEMENT

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 under the DEATH OF OWNER
BEFORE THE ANNUITY DATE in the Contract.

The following is added under the DEFINITIONS section of the Contract:

       NET PURCHASE PAYMENT

       The sum of all 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 charges applicable to the
       withdrawal).

AMOUNT OF DEATH BENEFIT

If You are age 80 or younger on the Contract Date, and You die prior to the
Annuity Date, the amount of the Death Benefit will be determined based upon the
Death Benefit option You selected on the Application Form. Once a Death Benefit
option is selected it cannot be changed or terminated.

PURCHASE PAYMENT ACCUMULATION OPTIONAL DEATH BENEFIT CHARGE

On an annual basis, this charge equals [.15%] of Your average daily ending value
of the assets attributable to the Accumulation Units of the Subaccount(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

As of the date We receive Due Proof of Death, the Death Benefit will be the
greater of:

(a)    The Contract Value; or

(b)    Purchase Payment(s) reduced for any partial withdrawals (and any charges
       applicable to such withdrawals), in the same proportion that the Contract
       Value was reduced on the date of such withdrawal, compounded at [5%]
       interest up to the earlier of Your attainment of age 80 or the date of
       death, plus any Purchase Payment(s) reduced for any partial withdrawals
       (and any charges applicable to such withdrawals) in the same proportion
       that the Contract Value was reduced on the date of such withdrawal
       recorded after the date of death. This benefit will not exceed two times
       the Net Purchase Payment(s).

                                       1
<PAGE>

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

                                       2

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