Document:

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                                                                  Exhibit (4)(d)

                      AIG SUNAMERICA LIFE ASSURANCE COMPANY

              RETURN OF PURCHASE PAYMENT DEATH 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.

This Endorsement modifies the "DEATH PROVISIONS" section in the Contract, as set
forth below.

The following terms are added to the "DEFINITIONS" section of the Contract:

         "CONTINUATION DATE" - The date on which We receive, at Our Annuity
         Service Center: (a) the Spousal Beneficiary's written request to
         continue the Contract, 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.

         "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.

         "SPOUSAL BENEFICIARY" - 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.

         "WITHDRAWAL(S)" - Amount(s) withdrawn from the Contract Value.

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 calculations of the certain Death
             Benefit components upon the death of the Spousal Beneficiary.

ASE-6236 (6/08)

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The "AMOUNT OF DEATH BENEFIT" provisions are modified as follows:

         WITHDRAWAL ADJUSTMENTS - The amount of the Death Benefit will be
         adjusted for Withdrawals as follows:

              (1) The amount of adjustment will be the amount of each
                  Withdrawal, including any charges and fees applicable to such
                  Withdrawal, if the current Contract Year's cumulative
                  Withdrawals, including this Withdrawal, are taken prior to
                  Your [81st] birthday and are less than or equal to the Maximum
                  Annual Withdrawal Amount, if applicable, as defined in Your
                  Contract; or

              (2) The amount of adjustment will be a proportion of the Death
                  Benefit equal to the proportion that each Withdrawal,
                  including any charges and fees applicable to such Withdrawal,
                  reduces the Contract Value, if the current Contract Year's
                  cumulative Withdrawals, including this Withdrawal, are taken
                  on and/or after Your [81st] birthday and/or are in excess of
                  the Maximum Annual Withdrawal Amount as defined in Your
                  Contract.

         AMOUNT OF DEATH BENEFIT

         If the Owner was age [82 or younger] on the Contract Date, 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.  The Contract Value for the NYSE business day during which We
                  receive all Required Documentation at Our Annuity Service
                  Center; or

              2.  Purchase Payment(s) received prior to the Owner's [86th]
                  birthday reduced by any Withdrawal Adjustments.

         If the Owner was at least age [83 but younger than age 86] on the
         Contract Date, 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.  The 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) Purchase Payment(s) received prior to the Owner's
                               [86th] birthday reduced by any Withdrawal
                               Adjustments as described above; or

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

ASE-6236 (6/08)
                                       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
         greater of:

              1.  The Contract Value for the NYSE business day during which We
                  receive all Required Documentation at Our Annuity Service
                  Center; or

              2.  The Contract Value on the Continuation Date, plus Purchase
                  Payment(s) received prior to the Spousal Beneficiary's [86th]
                  birthday, and reduced by any Withdrawal Adjustments after the
                  Continuation Date.

         If the Spousal Beneficiary was at least age [83 but younger than age
         86] on the Continuation Date, 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.  The 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)  The Contract Value on the Continuation Date plus
                           Purchase Payment(s) received prior to the Spousal
                           Beneficiary's [86th] birthday, and reduced by any
                           Withdrawal Adjustments after the Continuation Date;
                           or

                      (b)  [125% of] the 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] 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.

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

AIG SUNAMERICA LIFE ASSURANCE COMPANY

   /s/ MALLARY L. REZNIK                                /s/ JANA W. GREER
------------------------------                    ------------------------------
      MALLARY L. REZNIK                                    JANA W. GREER
    SENIOR VICE PRESIDENT                                    PRESIDENT

ASE-6236 (6/08)
                                       3<PAGE>
                                                                  Exhibit (4)(f)

                       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.

                             ENDORSEMENT SPECIFICS

PURCHASE PAYMENT LIMIT:                 The sum of Purchase Payments cannot
                                        exceed [$1,500,000] without Company
                                        approval.

OPTIONAL DEATH BENEFIT CHARGE:          [Annual fee of [0-1.50%] of the average
                                        daily ending value of the assets
                                        attributable to the Accumulation Units
                                        of the Variable Portfolio(s) or
                                        Subaccounts(s) to which Your Contract is
                                        allocated. We deduct this charge daily.
                                        This charge is in addition to other
                                        charges, fees and expenses described in
                                        Your Contract.]

ACCUMULATION PERCENTAGE:                [7%] if Your age on the Contract Date is
                                        [0 -- 69]; [6%] if Your age on the
                                        Contract Date is [70 -- 75].

                                        Spousal Beneficiary: The applicable
                                        percentage above is based on the
                                        attained age of the Spousal Beneficiary
                                        on the Continuation Date.

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

The following are added to the "DEFINITIONS" section of the Contract:

         ["CONTRACT QUARTER" - Each [three month period] starting from the
         Contract Date.]

         "CONTINUATION DATE" - The date on which We receive, at Our Annuity
         Service Center: (a) the Spousal Beneficiary's written request to
         continue the Contract; 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.

         "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.

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

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

         "YOU, YOUR" - The Owner. If the Contract is jointly owned, the older
         Owner. If the Contract is owned by a non-natural entity, the Annuitant,
         and if there are Joint Annuitants, the older Annuitant.

ASE-6238 (6/08)
                                       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. This amount is not
         considered a Purchase Payment except in the calculation of certain
         death benefits upon the death of the Spousal Beneficiary."

AMOUNT OF DEATH BENEFIT

[If You were Age [75 or younger] on the Contract Date,] Upon Our receipt of all
Required Documentation at Our Annuity Service Center, We will calculate the
Death Benefit as the greatest of the three components listed below:

         1.   The Contract Value for the NYSE business day during which We
              receive all Required Documentation at Our Annuity Service Center;
              or

         2.   The Highest [Contract Quarter] Value is determined as described
              below up to and including the earlier of:

                           (a) The date of death; or

                           (b) The end of the last [Contract Quarter] prior to
                               Your [85th] birthday.

              The initial Highest [Contract Quarter] Value is equal to the
              initial Purchase Payment. On each [Contract Quarter] thereafter,
              if the current Contract Value exceeds the previous Highest
              [Contract Quarter] Value, the Highest [Contract Quarter] Value is
              increased to the current Contract Value. [On or after Your [85th]
              birthday, Highest Values are determined on an annual basis. On
              each Contract anniversary on or after the [85th] birthday, if the
              current Contract Value exceeds the previous Highest Value, the
              Highest Value will be increased to the current Contract Value.]
              Highest [Contract Quarter] Value is increased by Subsequent
              Purchase Payment(s) received since that [Contract Quarter], but
              prior to Your [86th] birthday, and reduced for each Withdrawal
              since that [Contact Quarter] in the same proportion that the
              Contract Value is reduced by such Withdrawal; or

         3.   Purchase Payments accumulated at the applicable Accumulation
              Percentage as shown under the Endorsement Specifics on page 1 of
              this Endorsement through the earliest of:

                           (a) [15 years] after the Contract Date; or

                           (b) The day before Your [80th] birthday; or

                           (c) The Owner's date of death.

              Purchase Payments received by Us on or after Your [80th] birthday
              and before Your [86th] birthday will not accrue at the applicable
              Accumulation Percentage but will be included in the Amount of
              Death Benefit as calculated in (3) above.

              Each Withdrawal reduces the amount of Death Benefit in the same
              proportion that the Contract Value is reduced by such Withdrawal.

ASE-6238 (6/08)
                                       2
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SPOUSAL BENEFICIARY CONTINUATION

If the Spousal Beneficiary continues the Contract on the Continuation Date and
does not terminate this Endorsement, the Death Benefit payable upon the death of
the Spousal Beneficiary will be as follows:

If the Spousal Beneficiary was age [84 or younger] on the Continuation Date, we
will calculate the Death Benefit as the greatest of the three components listed
below:

         1.   The Contract Value for the NYSE business day during which We
              receive all Required Documentation at Our Annuity Service Center;
              or

         2.   The Highest [Contract Quarter] Value is determined as described
              below up to and including the earlier of:

                           (a) The date of death; or

                           (b) The end of the last [Contract Quarter] prior to
                               the Spousal Beneficiary's [85th] birthday.

              The initial Highest [Contract Quarter] Value is equal to the
              Contract Value on the Continuation Date. On each [Contract
              Quarter] after the Continuation Date, if the current Contract
              Value exceeds the previous Highest [Contract Quarter] Value, the
              Highest [Contract Quarter] Value is increased to the current
              Contract Value. [On or after the Spousal Beneficiary's [85th]
              birthday, Highest Values are determined on an annual basis. On
              each Contract anniversary on or after the [85th] birthday, if the
              current Contract Value exceeds the previous Highest [Contract
              Quarter] Value, the Highest [Contract Quarter] Value will be
              increased to the current [Contract Value].] Highest [Contract
              Quarter] Value is increased by Subsequent Purchase Payment(s)
              received since that [Contract Quarter], but prior to the Spousal
              Beneficiary's [86th] birthday, and reduced for each Withdrawal
              made since that [Contract Quarter] in the same proportion that the
              Contract Value is reduced by each such Withdrawal; or

         3.   The Contract Value on the Continuation Date plus any Purchase
              Payments received after the Continuation Date but prior to the
              Spousal Beneficiary's [80th] birthday will be accumulated at the
              applicable Accumulation Percentage as shown under the Endorsement
              Specifics on page 1 of this Endorsement through the earliest of:

                           (a) [15 years] after the Contract Date; or

                           (b) The day before the Spousal Beneficiary's [80th]
                               birthday; or

                           (c) The Spousal Beneficiary's date of death.

              Following the Continuation Date, Purchase Payments received by Us
              on or after the Spousal Beneficiary's [80th] birthday but before
              the [86th] birthday will not accrue at the applicable Accumulation
              Percentage but will be included in the Amount of Death Benefit as
              calculated in (3) above.

              Each Withdrawal made after the Continuation Date reduces the
              amount of the Death Benefit in the same proportion that the
              Contract Value is reduced by such Withdrawal.

ASE-6238 (6/08)
                                       3

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If the Spousal Beneficiary was Age [85] 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 and the
Optional Death Benefit Charge will no longer be deducted.

TERMINATION OF DEATH BENEFIT

         Termination by the Owner(s) -- Once elected, this Endorsement may not
         be terminated.

         Termination by the Spousal Beneficiary -- The Spousal Beneficiary who
         decides to continue the Contract may terminate this Death Benefit
         Endorsement on the Continuation Date. After the Continuation Date, the
         Spousal Beneficiary may not terminate this Endorsement.

         Upon termination of this Endorsement by the Spousal Beneficiary, the
         Optional Death Benefit Charge will no longer be deducted. The Death
         Benefit described under the "Spousal Beneficiary Continuation" section
         under the "Amount of Death Benefit" in the Contract to which this
         Endorsement is attached applies.

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

AIG SUNAMERICA LIFE ASSURANCE COMPANY

   /s/ MALLARY L. REZNIK                                /s/ JANA W. GREER
------------------------------                    ------------------------------
      MALLARY L. REZNIK                                    JANA W. GREER
    SENIOR VICE PRESIDENT                                    PRESIDENT

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