Document:

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                                                                    Exhibit 4(n)

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

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                   ENHANCED EQUITY ASSURANCE PLAN ENDORSEMENT

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

While the Enhanced Equity Assurance Endorsement is in effect, the DEATH OF THE
OWNER provision in the DEATH BENEFIT Section of the Contract is amended to read
as follows:

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

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

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

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

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

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

     (1)  the Contract Value;

     (2)  the lesser of:

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

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

     (3)  an amount equal to (a) plus (b) where:

               (a)  is equal to the total of all Premiums paid on or before the
                    first Contract Anniversary following Your [85/th/] birthday,
                    adjusted for surrenders as described below and then
                    accumulated at the compound interest rates shown below for
                    the number of complete years, not to exceed [7], from the
                    date of receipt of each Premium to the earlier of the date
                    of death or the first Contract Anniversary following the
                    primary Owner's [85/th/] birthday:

                                        1

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                    i)    [0%] per annum if death occurs during the 1st through
                          12th month from the date of Premium Payment;

                    ii)   [1%] per annum if death occurs during the 13th through
                          24th month from the date of Premium Payment;

                    iii)  [2%] per annum if death occurs during the 25th through
                          36th month from the date of Premium Payment;

                    iv)   [3%] per annum if death occurs during the 37th through
                          48th month from the date of Premium Payment;

                    v)    [4%] per annum if death occurs during the 49th through
                          60th month from the date of Premium Payment;

                    vi)   [5%] per annum if death occurs during the 61st through
                          72nd month from the date of Premium Payment;

                    vii)  [6%] per annum if death occurs during the 73rd through
                          84th month from the date of Premium Payment;

                    viii) [7%] per annum (for a maximum of 7 years) if death
                          occurs more than 84 months from the date of Premium
                          Payment; and

               (b)  is equal to all Premiums paid after the first Contract
                    Anniversary following the primary Owner's [85/th/] birthday,
                    adjusted for surrenders as described below.

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

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

1. payment of the Death Benefit in a lump sum either immediately or within 5
   years of the date of the Owner's death; or

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

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

4. in any mutually agreed form.

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

If the ownership of the Contract has been modified as a result of an assignment,
the calculation of the Death Benefit will be reset as follows:

                    1.   If the Contract Value exceeds the Death Benefit at the
                         time of assignment, the Death Benefit will continue to
                         accrue as if assignment has not occurred.

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                    2.   If the Death Benefit exceeds the Contract Value at the
                         time of assignment, We will consider Contract Value as
                         the only premium received at or before the time of
                         assignment for purposes of Death Benefit calculation,
                         and there will be no consideration for accumulation
                         prior to the date of assignment.

                    3.   For the purposes of calculating the Death Benefit,
                         "Contract Anniversary" refers only to Contract
                         Anniversaries on or after the date of assignment.

When the Contract has been assigned, the assignee will be considered the primary
Owner. However, We may reject or not recognize assignments that alter the
character of risk assumed for Death Benefits at the time the Contract was
issued.

This Endorsement will be in effect if:

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

Signed by the Company:

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

                                        3<PAGE>

                                                                    Exhibit 4(o)

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

================================================================================

                                   ENDORSEMENT

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

The DEATH OF THE OWNER provision in the DEATH BENEFIT Section of the Contract is
amended to read as follows:

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

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

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

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

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

If the Owner who dies is the primary Owner, the Death Benefit will be equal to
the greater of:

               1)   the total of all premiums paid with each premium adjusted
                    for any partial surrenders (and any charges applicable to
                    each partial surrender) in the same proportion that the
                    Contract Value was reduced on the date of each such partial
                    surrender; or

               2)   Contract Value.

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

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

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

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

4. in any mutually agreed form.

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

If the ownership of the Contract has been modified as a result of an assignment,
the Death Benefit will be reset to the Contract Value at the time of assignment.
When the Contract has been assigned, the assignee will be considered the primary
Owner. However, We may reject or not recognize assignments that alter the
character of risk assumed for Death Benefits at the time the Contract was
issued.

Signed by the Company:

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

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