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                                                                   EXHIBIT 4.(g)

                       MAXIMUM ANNIVERSARY VALUE OPTIONAL
                            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.

        "WITHDRAWAL(S)" - amount(s) withdrawn from the Contract Value including
        any charges and fees applicable to each such Withdrawal.

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."

                                       1
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Item 3 under the section titled "DEATH OF OWNER BEFORE THE ANNUITY DATE" in the
Contract 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."

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)
or Variable Portfolio(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 DEATH BENEFIT
If the Owner was age [82 or younger] on the Contract Date, and death occurs
prior to age [90] upon Our receipt of all Required Documentation at Our Annuity
Service Center, We will calculate the Death Benefit and it will be the greatest
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 earlier of
            the Owner's [86th] birthday or date of death; or

      (3)   [100% of] the Maximum Anniversary Value that occurs prior to the
            Owner's [83rd] birthday. The Maximum Anniversary Value is equal to
            the greatest anniversary value attained from the following:

            As of the date of receipt at our Annuity Service Center of all
            Required Documentation, anniversary value is equal to the Contract
            Value on a Contract anniversary; and a Death Benefit Adjustment for
            Purchase Payment(s) transacted since that Contract anniversary but
            prior to the Owner's [86th] birthday and/or Withdrawals transacted
            since that Contract anniversary. .

If the Owner was at least age [83 but younger than age 86] 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)   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 at age [90] 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.

                                       2
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SPOUSAL BENEFICIARY CONTINUATION

If the Spousal Beneficiary continues the Contract on the Continuation Date the
death benefit payable upon the death of the Spousal Beneficiary will be as
follows:

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

            (3)   [100% of] the Maximum Anniversary Value after the Continuation
                  Date and preceding the date of death that occurs prior to the
                  Spousal Beneficiary's [83rd] birthday. The Maximum Anniversary
                  Value is equal to the greatest anniversary value attained from
                  the following:

            As of the date of receipt at our Annuity Service Center of all
            Required Documentation, anniversary value is equal to the Contract
            Value on a Contract anniversary and a Death Benefit Adjustment for
            Purchase Payment(s) transacted after that Contract anniversary but
            prior to the Spousal Beneficiary's [86th] birthday and/or
            Withdrawals transacted since that Contract anniversary.

      If the Spousal Beneficiary was at least age [83 but younger than age 86]
      on the Continuation Date, and death occurs prior to the [86th] 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] 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 at age [86 or older] on the Continuation
      Date, 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.

                                       3
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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

                                       4<PAGE>
                                                                   EXHIBIT 4.(h)

                                   ENDORSEMENT

                       OPTIONAL DEATH BENEFIT ENHANCEMENT

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 before the Annuity Date
under the DEATH PROVISIONS and is effective on the Certificate Date.

The following terms in this Endorsement are defined as follows:

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

      CONTINUATION YEAR is 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 is the sum of all [Gross] 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 is 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.

                      DEATH BENEFIT ENHANCEMENT PROVISIONS

The Death Benefit Enhancement is an amount, calculated using the Death Benefit
Enhancement table below that may be payable in addition to the Death Benefit
option You selected. Once elected, You cannot terminate this Death Benefit
Enhancement. However, Your Spousal Beneficiary can terminate this benefit on the
Continuation Date. The Death Benefit Enhancement terminates upon the Latest
Annuity Date.

<TABLE>
<CAPTION>
--------------------------------------------------------------------------------
                            DEATH BENEFIT ENHANCEMENT
--------------------------------------------------------------------------------
Number of Years Elapsed*              Percentage                Maximum Benefit
                                     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.]

DEATH BENEFIT ENHANCEMENT CHARGE

On an annual basis, the Death Benefit Enhancement Charge is equal to [0%-1.00%]
of Your average daily ending value of the assets attributable to the
Accumulation Units of the Subaccount(s) or Variable Portfolio(s), whichever is
applicable, to which the Certificate Value is allocated. We deduct this charge
daily. This charge is in addition to the other charges that are deducted daily
in Your Certificate.

                                       1
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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.

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

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.

                                       2
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Signed for the Company to be effective on the Certificate Date.

AIG SUNAMERICA LIFE ASSURANCE COMPANY

    /s/ CHRISTINE A. NIXON                          /s/ JANA W. GREER
------------------------------               ------------------------------
     Christine A. Nixon                               Jana W. Greer
         Secretary                                     President

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