Document:

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                                                                        EX-4(i)

               GUARANTEED MINIMUM WITHDRAWAL BENEFIT ENDORSEMENT

Notwithstanding any provision in the Contract or Certificate ("Contract") to the
contrary, this Endorsement becomes a part of the Contract to which it is
attached. Should any provision in this Endorsement conflict with the Contract,
the provisions of this Endorsement will prevail.

Subject to the terms and conditions set forth herein, this optional Endorsement
provides a Guaranteed Minimum Withdrawal Benefit that guarantees an amount
available for Withdrawal not to exceed a maximum annual dollar amount to be
distributed over a specified number of years, even if the Contract Value has
been reduced to zero due to unfavorable investment performance ("GMWB"). This
GMWB may be purchased [on the date the Contract is issued], provided that all
Owner(s) are age [80] or younger on the date of election of the GMWB.

EFFECTIVE DATE:  [DATE]

BENEFIT AVAILABILITY DATE:  [DATE]

                                   DEFINITIONS

Terms not defined in this Endorsement shall have the same meaning given to them
in the Contract.

BENEFIT AVAILABILITY DATE

The date shown above which is the earliest date on which You can begin to take
Withdrawals pursuant to the terms of this Endorsement.

BENEFIT YEAR

Each consecutive one year period beginning on the Benefit Availability Date.

EFFECTIVE DATE

The date shown above when this Endorsement becomes effective. If this
Endorsement is elected at Contract issue, the Effective Date is the date Your
Contract is issued. [If this Endorsement is elected after Your Contract has been
issued, the Effective Date is the [Contract Anniversary following] Your
election.]

ELIGIBLE PURCHASE PAYMENTS

The Purchase Payments or portion thereof that are used in the calculation of the
Withdrawal Benefit Base ("WBB").

MAXIMUM ANNUAL WITHDRAWAL AMOUNT ("MAWA")

The maximum amount available for withdrawal, each Benefit Year, under the GMWB.

MINIMUM WITHDRAWAL PERIOD ("MWP")

The minimum period of time over which You may take Withdrawals under the GMWB.

SPOUSAL BENEFICIARY

Your spouse, if designated as Your primary Beneficiary on the date of Your
death, who elects to continue the Contract as the new Owner or Participant
("Owner") upon Your death.

STEPPED-UP BENEFIT BASE ("SBB")

A component of the calculation of the GMWB, which is used to determine the total
amount of the guaranteed Withdrawals under the GMWB and the minimum time period
over which You may take Withdrawals under the GMWB.

STEP-UP

A percentage of the Withdrawal Benefit Base ("WBB"), which when added to the WBB
results in the SBB.

WITHDRAWAL

The amount of any full or partial surrender of Contract Value and any fees or
charges attributable to the surrendered amount.

WITHDRAWAL BENEFIT BASE ("WBB")

A component of the calculation of the GMWB, which is used to determine the
amount of guaranteed Withdrawals and the initial maximum amount available for
withdrawal annually, under the GMWB.

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WITHDRAWAL PERIOD

The period of time during which You are taking withdrawals under the GMWB, which
begins on the Benefit Availability Date and ends upon the earlier of a
termination of the Endorsement or You when the SBB is reduced to zero. This
period may not be shorter than the MWP but may be longer than the MWP.

                GUARANTEED MINIMUM WITHDRAWAL BENEFIT PROVISIONS

This Endorsement provides a GMWB subject to the terms and conditions described
herein.

GMWB CHARGE

The charge deducted from Your Contract Value on a [quarterly] basis beginning
one [quarter] following the Effective Date and ending upon the earliest of (a) a
termination of the Endorsement; or, (b) reduction of the SBB to zero; or (c) the
time at which the Contract Value is reduced to zero. [The full [quarterly]
charge will also be deducted upon full surrender or annuitization of Your
Contract.]

The amount of the charge will equal:

<TABLE>
<CAPTION>
---------------------------------------------------------------------------------------------------
            TIME PERIOD                      ANNUALIZED GMWB CHARGE              AS A PERCENTAGE OF
---------------------------------------------------------------------------------------------------
<S>                                          <C>                                 <C>
[Prior to the Benefit Availability Date]           [0.60%]                            [WBB]
---------------------------------------------------------------------------------------------------
   [During the Withdrawal Period                   [0.60%]                            [WBB]
           [Years 0-30]]
---------------------------------------------------------------------------------------------------
   [During the Withdrawal Period                   [0.45%]                            [WBB]
           [Years 0-30]]
---------------------------------------------------------------------------------------------------
</TABLE>

The GMWB Charge is calculated as [one-fourth] of the annualized GMWB Charge,
which is deducted [quarterly] as a percentage of the [WBB], as described above.

CALCULATION OF THE COMPONENTS OF THE GMWB

The GMWB is not available for withdrawal until the Benefit Availability Date and
must be withdrawn at least over the MWP. If You need to take Withdrawals or are
required to take minimum required distributions ("MRD") under the IRC from this
Contract, prior to the Benefit Availability Date, You should know that
Withdrawals taken before the Benefit Availability Date will negatively impact
the value of the GMWB. The amount of and time period over which You can take
Withdrawals under the GMWB may change over time as a result of withdrawal
activity within the Contract. Withdrawals made pursuant to this Endorsement are
treated like any other withdrawal under the Contract for purposes of calculating
Contract Value, Withdrawal Charges, and any other benefits under the Contract.
Withdrawals in excess of the Penalty Free Withdrawal amount will be assessed a
Withdrawal Charge, if applicable. We reserve the right to limit the investment
options available under Your Contract if You elect the GMWB.

To determine the GMWB, We calculate each of the following components: WBB, SBB,
MAWA and MWP. The calculations for each component are detailed below.

WITHDRAWAL BENEFIT BASE ("WBB")

The initial WBB is equal to (a) if the GMWB is elected on the Contract Date or
(b) if the GMWB is elected after the Contract Date minus (c) where:

        (a)     is the Eligible Purchase Payments received on the Effective Date
                and any subsequent Eligible Purchase Payments multiplied by the
                percentage as specified in the table below; and

        (b)     is the Contract Value on the Effective Date and any subsequent
                Eligible Purchase Payments multiplied by the percentage as
                specified in the table below; and

        (c)     is a proportionate adjustment for each partial Withdrawal taken
                subsequent to the Effective Date but prior to the Benefit
                Availability Date. A proportionate adjustment is an amount equal
                to the WBB immediately prior to a Withdrawal multiplied by the
                percentage by which the Contract Value is reduced at the time of
                that Withdrawal.

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The table below identifies the Eligible Purchase Payments used to calculate the
initial WBB, as determined by the time elapsed between the Effective Date and
the day on which [Gross] Purchase Payments are received by Us and deposited into
Your Contract. Payment Enhancements are not considered Purchase Payments and
therefore are not included in the Eligible Premiums.

<TABLE>
<CAPTION>
-----------------------------------------------------------------------------------------
     TIME ELAPSED SINCE EFFECTIVE DATE         PERCENTAGE INCLUDED IN THE WBB CALCULATION
-----------------------------------------------------------------------------------------
<S>                                            <C>
               [0-[90] Days]                                     [100%]
            [91 Days to 1 Year]                                  [80%]
            [More than 1 Year]                                    [0%]
-----------------------------------------------------------------------------------------
</TABLE>

The amount of the WBB will change over time due to withdrawal activity within
the Contract. Withdrawals in excess of MAWA may reduce the WBB by more than the
amount of the Withdrawal. See IMPACT OF WITHDRAWALS below. The WBB is not used
in the calculation of Contract Value or any other benefits under this Contract.
We reserve the right to limit the WBB to a maximum of [$1,000,000].

STEPPED-UP BENEFIT BASE ("SBB")

The Step-Up amount is added to the WBB to arrive at the SBB, which is used to
determine the maximum amount available for Withdrawal under the GMWB and the
minimum time period over which You may take Withdrawals under the GMWB. The
Step-Up is [20%] of the WBB on the Benefit Availability Date. The Step-Up amount
is only available to You by taking Withdrawals under the GMWB.

The amount of the SBB will change over time due to withdrawal activity within
the Contract. Withdrawals in excess of MAWA may reduce the SBB by more than the
amount of the Withdrawal. See IMPACT OF WITHDRAWALS below. The SBB is not used
in the calculation of Contract Value or any other benefits under this Contract.

MAXIMUM ANNUAL WITHDRAWAL AMOUNT ("MAWA")

The MAWA is an amount calculated as a percentage of the [WBB]. The applicable
percentage for the initial MAWA will equal:

<TABLE>
<CAPTION>
------------------------------------------------------------------------------------
 TIME ELAPSED SINCE THE EFFECTIVE
               DATE                      PERCENTAGE          MAWA AS A PERCENTAGE OF
------------------------------------------------------------------------------------
<S>                                      <C>                 <C>
            [0-3 years]                    [0%]*                      [WBB]
------------------------------------------------------------------------------------
            [3+ years]                      [8%]                      [WBB]
------------------------------------------------------------------------------------
           [0-30 years]                     [0%]                      [WBB]
------------------------------------------------------------------------------------
</TABLE>

    * There is a [3] year waiting period prior to the Benefit Availability Date.

If You are taking minimum required distributions ("MRD") from the Contract, the
MAWA is the greater of the MAWA as described above or the annual MRD amount.

The MAWA can be withdrawn periodically throughout each Benefit Year during the
Withdrawal Period. If You do not withdraw the entire MAWA in a Benefit Year, the
amount not withdrawn will extend Your MWP, but cannot be used to increase future
MAWA. Withdrawals in excess of the MAWA in any Benefit Year will reduce Your
future MAWA. See IMPACT OF WITHDRAWALS section below.

MINIMUM WITHDRAWAL PERIOD ("MWP")

        (a)     The MWP is the minimum period of time during which You may take
                Withdrawals under the GMWB. The initial MWP equals the SBB
                divided by the initial MAWA.

We calculate a new MWP after each Withdrawal during the Withdrawal Period.
Withdrawals in excess of the MAWA will reduce the MWP. See IMPACT OF WITHDRAWALS
section below.

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IMPACT OF WITHDRAWALS

Withdrawals under this Endorsement reduce the Contract Value and the amount
available for Withdrawal under the GMWB. Withdrawals equal to or less than the
MAWA generally reduce these values by the amount of the Withdrawal. Withdrawals
in excess of the MAWA may deplete these values based on the relative size of the
Withdrawal in relation to the Contract Value at the time of the Withdrawal. This
means that when investment performance is down, Withdrawals greater than the
MAWA will result in a greater depletion of these values. We further explain this
impact and the effect on each component of the GMWB through the mathematical
calculations below:

WITHDRAWALS IMPACT CONTRACT VALUE AND THE COMPONENTS OF THE GMWB CALCULATION AS
FOLLOWS:

    1.  CONTRACT VALUE: Any Withdrawal reduces the Contract Value by the amount
        of the Withdrawal.

    2.  WBB: Withdrawals prior to the Benefit Availability Date reduce the WBB
        proportionately in an amount equal to the WBB immediately prior to a
        Withdrawal multiplied by the percentage by which the Contract Value is
        reduced at the time of that Withdrawal.

        Withdrawals during the Withdrawal Period will not reduce the WBB until
        the sum of Withdrawals exceeds the Step-Up amount. Any Withdrawal or
        portion thereof that causes total Withdrawals during the Withdrawal
        Period to exceed the Step-Up amount, but is less than or equal to the
        MAWA, will reduce the WBB by the amount of the Withdrawal. Any such
        Withdrawal in excess of the MAWA reduces the WBB to the lesser of (a) or
        (b), where:

           a.  is the WBB immediately prior to the Withdrawal minus the amount
               of the Withdrawal, or;

           b.  is the WBB immediately prior to the Withdrawal minus the amount
               of the Withdrawal that is equal to the current MAWA, and further
               reduced proportionately by the same amount by which the Contract
               Value is reduced by the amount in excess of the MAWA.

    3.  SBB: Since Withdrawals prior to the Benefit Availability Date reduce the
        WBB proportionately, the SBB will likewise be reduced proportionately
        during that period of time.

        During the Withdrawal Period, any Withdrawal in a Benefit Year, which
        does not cause total Withdrawals in that Benefit Year to exceed the
        MAWA, reduces the SBB by the amount of the Withdrawal. During the
        Withdrawal Period, any Withdrawal in a Benefit Year which causes total
        Withdrawals in that Benefit Year to exceed the MAWA, reduces the SBB to
        the lesser of (a) or (b) where:

           a.  is the SBB immediately prior to the Withdrawal minus the amount
               of the Withdrawal, or;

           b.  is the SBB immediately prior to the Withdrawal minus the portion
               of any Withdrawal which does not cause total Withdrawals in that
               Benefit Year to exceed the current MAWA and further reduced
               proportionately by the same amount by which the Contract Value is
               reduced by the Withdrawal amount in excess of the MAWA.

    4.  MWP: After each Withdrawal a new MWP is calculated. For Withdrawals in a
        Benefit Year that are less than or equal to MAWA the new MWP equals the
        SBB after the Withdrawal divided by the current MAWA.

        After any Withdrawal that causes the sum of Withdrawals in a Benefit
        Year to exceed the MAWA, the new MWP equals the MWP calculated at the
        end of the prior Benefit Year reduced by one year.

    5.  MAWA: If the sum of Withdrawals in a Benefit Year does not exceed the
        MAWA for that Benefit Year, the MAWA does not change for the next
        Benefit Year. If total Withdrawals in a Benefit Year exceed the MAWA,
        the MAWA will be recalculated at the start of the next Benefit Year.

        The new MAWA will equal the SBB on that Benefit Year anniversary divided
        by the MWP on that Benefit Year Anniversary

        The new MAWA may be lower than Your previously calculated MAWA.

IF YOUR CONTRACT VALUE IS REDUCED TO ZERO

If Your Contract Value is reduced to zero and the SBB has not been reduced to
zero, subsequent Purchase Payments will no longer be accepted and a Death
Benefit will not be payable upon the death of the Owner. You can receive the
remaining value of the GMWB under one of the following options:

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           a.  A lump sum equal to the discounted present value of any remaining
               guaranteed payments under the GMWB; or,

           b.  Periodic payments during each Benefit Year that in total are
               equal to the MAWA until the SBB has been reduced to zero. If You
               do not select a specific frequency for these payments, We will
               pay the current MAWA in [quarterly] payments; or,

           c.  Any payment option that is mutually agreeable.

TERMINATION OF THE GMWB

Once elected the GMWB Endorsement and its corresponding charge [cannot] be
terminated by the Owner. [If terminated by the Owner, the cancellation is
effective [on the Contract Anniversary following the election to terminate].]
The Endorsement and the related charge will terminate automatically if:

           1.  Withdrawals that exceed the MAWA in a Benefit Year reduce the SBB
               by [50%] or more; or,

           2.  The SBB has been reduced to zero; or,

           3.  A Spousal Beneficiary elects to continue the Contract without
               this Endorsement; or,

           4.  A Death Benefit is paid (as described under the [Death Provisions
               or Death Benefit] section of Your Contract); or,

           5.  The Contract is fully withdrawn or surrendered; or,

           6.  The Contract is annuitized.

SPOUSAL CONTINUATION

Upon election to continue the Contract and this Endorsement, Your Spousal
Beneficiary will be subject to the terms and conditions described herein with
respect to the GMWB. The Effective Date and Benefit Availability Date will not
change as a result of Spousal Continuation. A Continuation Contribution paid
under the Spousal Continuation provision of this Contract is not considered an
Eligible Purchase Payment for purposes of this Endorsement.

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

AIG SUNAMERICA LIFE ASSURANCE COMPANY

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

                                       5<PAGE>
                                                                    Exhibit 4(j)

                            DEATH BENEFIT ENDORSEMENT

Notwithstanding any provision in the Contract or Certificate ("Contract") to the
contrary, this Endorsement becomes a part of the Participant's or Owner's
("Owner") Contract to which it is attached. Should any provision in this
Endorsement conflict with the Contract, the provisions of this Endorsement will
prevail.

This Endorsement modifies the "AMOUNT OF DEATH BENEFIT" under the section titled
"DEATH OF OWNER BEFORE THE ANNUITY DATE" in the Contract.

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

      "DEATH BENEFIT ADJUSTMENT" - Any increase or reduction to the amount of
      the Death Benefit payable to account for Purchase Payment and/or
      Withdrawal activity after a specified point in time which will equal a, b
      or c, whichever is applicable, as follows:

            (a)   Where only Purchase Payment(s) are received after the
                  specified point in time, the dollar value of the Purchase
                  Payments will be added to the Death Benefit payable; or

            (b)   Where only Withdrawals are made after the specified point in
                  time, the Withdrawal will reduce the Death Benefit payable in
                  the same proportion that the Contract Value was reduced at the
                  time of the Withdrawal; or

            (c)   Where Purchase Payment(s) have been received and Withdrawals
                  made after the specified point in time, the Death Benefit
                  amount payable will be adjusted by Purchase Payment(s)
                  received after a specified point in time, reduced by any
                  Withdrawal, received after that specified point in time in the
                  same proportion that the Contract Value was reduced at the
                  time of the Withdrawal.

      "NET PURCHASE PAYMENT(S)" - the sum of all Purchase Payment(s) reduced for
      each Withdrawal in the same proportion that the Contract Value is reduced
      by such Withdrawal.

      "REQUIRED DOCUMENTATION" - (a) Due Proof of Death that the Owner or the
      Spousal Beneficiary died before the Annuity Date; and, (b) an election
      form specifying the payment option(s); and, (c) any other documentation We
      may require.

The definition of "SPOUSAL BENEFICIARY" is modified to read:

"The original deceased Owner's surviving spouse who is designated as the primary
Beneficiary at the time of the Owner's death and may continue the Contract as
the Owner on the Continuation Date."

Item 3 under the section titled "DEATH OF OWNER BEFORE THE ANNUITY DATE" is
modified as follows:

      3.    "If eligible, continue the Contract as a Spousal Beneficiary. On the
            Continuation Date, We will contribute to the Contract any amount by
            which the Death Benefit exceeds the Contract Value, calculated as of
            the Owner's date of death. This amount is not considered a Purchase
            Payment except in the calculation of certain death benefits upon the
            death of the Spousal Beneficiary."

                                       1
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The section titled "AMOUNT OF DEATH BENEFIT" in the Contract is modified as
follows:

If the Owner was age [82 or younger] on the Contract Date, [and death occurs
prior to the [90th] birthday,] upon Our receipt of all Required Documentation at
Our Annuity Service Center, We will calculate the Death Benefit and it will be
the greater of:

      (1)   [100% of] Contract Value for the NYSE business day during which We
            receive all Required Documentation at Our Annuity Service Center; or

      (2)   [100% of] Net Purchase Payment(s) received prior to the Owner's
            [86th] birthday.

If the Owner was at least age [83 but younger than age 86] on the Contract Date,
[and death occurs prior to the Owner's [90th] birthday,] upon Our receipt of all
Required Documentation at Our Annuity Service Center, We will calculate the
Death Benefit and it will be the greater of:

      (1)   [100% of] Contract Value for the NYSE business day during which We
            receive all Required Documentation at Our Annuity Service Center;
            or;

      (2)   The lesser of:

            a)    [100% of] Net Purchase Payment(s) received prior to the
                  Owner's [86th] birthday; or

            b)    [125% of] Contract Value for the NYSE business day during
                  which We receive all Required Documentation at Our Annuity
                  Service Center.

[If the Owner was age [90] or older at the time of death, the Death Benefit will
be the Contract Value for the NYSE business day during which We receive all
Required Documentation at Our Annuity Service Center.]

SPOUSAL BENEFICIARY CONTINUATION

If the Spousal Beneficiary was age [82 or younger] on the Continuation Date and
was younger than age [86] at the time of death, upon Our receipt of all Required
Documentation at Our Annuity Service Center, We will calculate the Death Benefit
and it will be the greater of:

      (1)   [100% of] Contract Value for the NYSE business day during which We
            receive all Required Documentation at Our Annuity Service Center; or

      (2)   [100% of] Contract Value on the Continuation Date, and a Death
            Benefit Adjustment for Purchase Payment(s) transacted after the
            Continuation Date but prior to the Spousal Beneficiary's [86th]
            birthday and/or Withdrawals transacted after the Continuation Date.

If the Spousal Beneficiary was at least age [83 but younger than age 86] on the
Continuation Date and younger than age [86] at the time of death, upon Our
receipt of the all Required Documentation at Our Annuity Service Center, We will
calculate the Death Benefit and it will be the greater of:

      (1)   [100% of] Contract Value for the NYSE business day during which We
            receive all Required Documentation at Our Annuity Service Center;
            or;

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      (2)   The lesser of:

            a)    [100% of] Contract Value on the Continuation Date, and a Death
                  Benefit Adjustment for Purchase Payment(s) transacted after
                  the Continuation Date but prior to the Spousal Beneficiary's
                  [86th] birthday and/or Withdrawals transacted after the
                  Continuation Date; or

            b)    [125% of] Contract Value for the NYSE business day during
                  which We receive all Required Documentation at Our Annuity
                  Service Center.

If the Spousal Beneficiary was age [86] or older at the time of death, the Death
Benefit will be [100% of] Contract Value for the NYSE business day during which
We receive all Required Documentation at Our Annuity Service Center.

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

AIG SUNAMERICA LIFE ASSURANCE COMPANY

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

                                       3

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