Document:

Prepared by R.R. Donnelley Financial -- S.A. II Group Maximum Anniversary Death Benefit

 EXHIBIT 4(g) 
  
 MAXIMUM ANNIVERSARY VALUE OPTIONAL 
 DEATH BENEFIT ENDORSEMENT 
  

This Endorsement is made a part of, and subject to, the other terms and conditions of the Certificate to which it is attached. 
  

This Endorsement modifies the AMOUNT OF DEATH BENEFIT under the DEATH OF PARTICIPANT BEFORE THE ANNUITY DATE in the Certificate. 
  
 The following are added under the DEFINITIONS section of the Certificate: 
  
 NET PURCHASE PAYMENT 
 The sum of all Purchase Payments, reduced
proportionately on the date of each partial withdrawal by the percentage at which the Certificate Value is reduced by such withdrawal (including any charges applicable to the withdrawal). 
  

AMOUNT OF DEATH BENEFIT 
 If, upon the death of the Participant and prior to the Annuity Date, the Participant
has not attained age 90, the amount of the Death Benefit will be as described under the Maximum Anniversary Value Optional Death Benefit. If the deceased Participant has attained age 90, then the Death Benefit will be the Certificate Value. This
Death Benefit option cannot be changed or terminated. 
  
 Maximum Anniversary Value Optional Death Benefit 
 As of the date We receive Your Due Proof of Death and prior to the Participant attaining age 90, the Death Benefit will be the greatest of: 
  

	(a)
	 
	Net Purchase Payments; or 
 

	(b)
	 
	Certificate Value; or 
 

	(c)
	 
	The Maximum Anniversary Value. 
 

  
 We will calculate the Maximum Anniversary Value, by determining the Certificate Value for each Certificate anniversary prior to the Participant’s 81st birthday. An anniversary value is equal to the Certificate Value at a
Certificate anniversary increased by the dollar amount of any Purchase Payment(s) made since that anniversary and reduced for any partial withdrawals since that anniversary (and any charges applicable to such withdrawals) in the same proportion that
the Certificate Value was reduced on the date of such withdrawal. If any of those anniversary values is greater than Your Certificate Value, You will receive that amount as the Maximum Anniversary Value. 
  
 Maximum Anniversary Optional Death Benefit Charge 
 On an annual basis, this charge
equals [0.15%] of Your average daily ending value of the assets attributable to the Accumulation Units of the Subaccount(s) to which the Certificate is allocated. We deduct this charge daily. This charge is in addition to the charges in Your
Certificate. 
 

 1 

 Signed for the Company to be effective on the Certificate Date. 
  
 ANCHOR NATIONAL LIFE INSURANCE COMPANY 
  
 
	 /s/    CHRISTINA A.
NIXON        
 
	  	  	  	 /s/    JAY S.
WINTROB        
 

	 Christina A. Nixon
 Secretary

	  	  	  	 Jay S. Wintrob
 President
 

 
 

 2Prepared by R.R. Donnelley Financial -- S.A. II Group Purchase Payment Accumulation

 EXHIBIT 4(h) 
  
 PURCHASE PAYMENT ACCUMULATION 
 OPTIONAL DEATH BENEFIT ENDORSEMENT 
  

This Endorsement is made a part of, and subject to, the other terms and conditions of the Certificate to which it is attached. 
  

This Endorsement modifies the AMOUNT OF DEATH BENEFIT under the DEATH OF PARTICIPANT BEFORE THE ANNUITY DATE in the Certificate. 
  
 The following is added under the DEFINITIONS section of the Certificate: 
  
 NET PURCHASE PAYMENT 
 The sum of all Purchase Payments, reduced
proportionately on the date of each partial withdrawal by the percentage at which the Certificate 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 Certificate 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 Certificate is allocated. We deduct this charge daily. This charge is in addition to the charges in
Your Certificate. 
  
 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 Certificate Value; or 
 

  

	(b)
	 
	Purchase Payment(s) reduced for any partial withdrawals (and any charges applicable to such withdrawals), in the same proportion that the Certificate 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 Certificate 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 Certificate 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. II Group Purchase with Earnings advantage

  
 EXHIBIT 4(i) 
  
 PURCHASE PAYMENT ACCUMULATION 
 OPTIONAL DEATH BENEFIT ENDORSEMENT 

 
 This Endorsement is made a part of, and subject to, the other terms and conditions of the Certificate to which it is attached. 

 
 This Endorsement modifies the AMOUNT OF DEATH BENEFIT under the DEATH OF PARTICIPANT BEFORE THE ANNUITY DATE and is effective on the
Certificate Date. 
  
 The following are added under the DEFINITIONS section of the Certificate: 
  
 CONTINUATION DATE 
 The Date on which
We receive, in Our Service Center: (a) the Spousal Beneficiary’s written request to continue the Certificate in force, and (b) Due Proof of Death of the Participant. 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 Certificate Value is reduced by such withdrawal (including any fees or charges applicable to the withdrawal). 
  

SPOUSAL BENEFICIARY 
 The Participant’s spouse who: (a) is
designated as the primary Beneficiary; (b) is age 80 or younger at the time of the Participant’s death; and (c) elects to continue the Certificate as the Participant. 
  
 AMOUNT OF DEATH BENEFIT 
 If You are age 80 or younger on the Certificate 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 Participant Enrollment 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 Certificate is
allocated. We deduct this charge daily. This charge is in addition to the charges in Your Certificate. 
 

 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 Certificate 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 Certificate
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 Certificate 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 Certificate Value exceeds Net Purchase Payment(s) as of the date of Your death. If You have earnings as defined above
in Your Certificate 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 Certificate 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 Certificate Years from the Certificate Date to the date of Your death. 
  
 Percentage of
Earnings is a percentage applied to the earnings in Your Certificate from the Certificate 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] Certificate Anniversary, must remain in Your Certificate 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 Certificate 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 Certificate Value on the Spousal Beneficiary’s date of death; and 
 

	 	(b)
	 
	is the sum of the Certificate Value on the Continuation Date (including any amount added to the Certificate 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 Certificate Value on the Continuation Date (including any amount added to the Certificate 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 Certificate 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 Certificate 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 Certificate 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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