Document:

Prepared by R.R. Donnelley Financial -- S.A. II Individual Purchase Payment Accumulation

 EXHIBIT 4(d) 
  
 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 

 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
 Secretary

	  	  	  	 Jay S. Wintrob
 President
 

 
 

 2Prepared by R.R. Donnelley Financial -- S.A.I. II Individual Purchase Payment

  
 Exhibit 4(e) 
  
 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 

  
 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. 

 
 
	 Death Benefit Enhancement
 
	

	 Number of Years Elapsed*
 	 	 Percentage
 of Earnings

	 	 Maximum Benefit
 Percentage

	 [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.] 
  
 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 

  
 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
 

 
 

 3Prepared by R.R. Donnelley Financial -- S.A. II IndividualMaximumAnniversary Death Benefit

  
 EXHIBIT 4(f) 
  
 MAXIMUM ANNIVERSARY VALUE 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. 
  
 Maximum Anniversary Optional Death Benefit Charge 
 On an annual basis, this charge
equals [0.00%-1.00%] 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. 
  
 Maximum Anniversary Value Optional Death Benefit 
 If upon Our receipt of Due Proof of Death of the Owner prior to the Annuity Date and prior to the Owner attaining age 90, the Beneficiary will receive the greatest of: 
  

	(a)
	 
	Purchase Payments 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; or 
 

	(b)
	 
	Contract Value; or 
 

 

 1 

	(c)
	 
	The Maximum Anniversary Value. 
 

  
 If the deceased Owner has attained age 90, then the death benefit will be the Contract Value. 
  
 We will calculate the
Maximum Anniversary Value, by determining the Contract Value for each Contract anniversary prior to the Owner’s 81st birthday. The anniversary value is equal to the Contract Value at each Contract anniversary increased by the dollar amount of
any Purchase Payment(s) made since that anniversary and reduced proportionately 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. If any of those anniversary values is greater than Your Contract Value, You will receive that amount as the Maximum Anniversary Value. 
  
 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 Maximum Anniversary Value Death Benefit. The Death Benefit Enhancement terminates upon the Latest Annuity Date. 
  
 
	 
Death Benefit Enhancement 
 

	 Number of Years Elapsed*
 	 	 Percentage of
 Earnings

	  	 Maximum Benefit
 Percentage
 
	 [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.]

  
 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 

  
 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
[0-10th] 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 
  
 
	 
	 By:
 	 	 /s/    CHRISTINE A.
NIXON        
 
	 	  	 	 By:
 	 	 /s/    JAY S.
WINTROB        
 

	  	 	 Christine A. Nixon
 Secretary

	 	  	 	  	 	 Jay S. Wintrob
 President

 
 

 3

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