Document:

<PAGE>

                                                                     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     "WITHDRAWAL(S)" - amount(s) withdrawn from the Contract Value including any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
<PAGE>
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
<PAGE>
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
<PAGE>
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

                                     RIDER

This Rider is made a part of the Certificate to which it is attached. All terms
have the same meanings as in the Certificate.

Prior to the Annuity Date, We will waive the Contingent Deferred Sales Charge
upon the Participant's request for full or partial surrender of the Certificate
Value. Such benefit shall be available if:

1.      The Participant is confined to a Nursing Home and/or Hospital for at
        least 60 consecutive days while the Certificate is in force;

2.      A surrender or partial withdrawal request and adequate proof of
        confinement are received by Us either while the Participant is confined
        or within 90 days of the Participant's discharge from the Nursing Home
        or Hospital; and

3.      Confinement in a Nursing Home and/or Hospital is prescribed by a
        Physician and is Medically Necessary.

A Market Value Adjustment (MVA) shall not be applied to amounts withdrawn from
the Fixed Account whether such application results in a gain or a loss in the
Certificate Value.

This Rider may not be exercised before the expiration of 90 days from the
Certificate Date.

A new 60 day confinement period must be satisfied each time the Participant
becomes newly confined (whether for the same or unrelated causes), if services
by a Nursing Home and/or Hospital have not been provided for a period of at
least six months. If services for related causes were provided less than six
months from current receipt of services, a new 60 day confinement need not be
satisfied.

If the Participant's request for waiver of Contingent Deferred Sales Charges is
denied, the surrender proceeds will not be dispersed until the Participant is
notified by Us of the denial and provided with the opportunity to reapply for
the surrender proceeds or reject the surrender proceeds.

DEFINITIONS

"Nursing Home" means a Skilled Nursing Facility, an Intermediate Care Facility,
or a Residential Care facility. Nursing Home does not mean:

1.      A home for the aged, a community living center, or a place that
        primarily provides domiciliary, residency or retirement care; or

<PAGE>

2.      A place owned or operated by a member of the Participant's immediate
        family. Immediate family members include the Participant's spouse,
        children, parents, grandparents, grandchildren, siblings, and in-laws.

"Skilled Nursing Facility" is a facility which:

1.      Is located in the United States or its territories;

2.      Is licensed and operated as a Skilled Nursing Facility according to the
        laws of the jurisdiction in which it is located;

3.      Provides skilled nursing care under the supervision of a licensed
        physician;

4.      Provides continuous 24 hours a day nursing services by or under the
        supervision of a registered graduate professional nurse (R.N.); and

5.      Maintains a daily medical record of each patient.

"Intermediate Care Facility" is a facility which:

1.      Is located in the United States or its territories;

2.      Is licensed and operated as an Intermediate Care Facility according to
        the laws of the jurisdiction in which it is located;

3.      Provides continuous 24 hours a day nursing service by or under the
        supervision of a registered graduate professional nurse (R.N.), or a
        licensed practical nurse (L.P.N.); and

4.      Maintains a daily medical record of each patient.

"Residential Care Facility" is a facility which:

1.      Is located in the United States or its territories;

2.      Is licensed and operated as an Residential Care Facility according to
        the laws of the jurisdiction in which it is located; and

3.      Provides nursing care under the supervision of a registered graduate
        professional nurse (R.N.).

"Hospital" is a facility which:

1.      Is located in the United States or its territories;

2.      Is licensed as a Hospital by the jurisdiction in which it is located;

3.      Is supervised by a staff of licensed physicians;

4.      Provides nursing services 24 hours a day by, or under the supervision
        of, a registered nurse (R.N.);

5.      Operates primarily for the care and treatment of sick and injured
        persons as inpatients for a charge; and

6.      Has access to medical and diagnostic facilities.

"Physician" is any person duly licensed and legally qualified to diagnose and
treat sickness and injuries. He or she must be providing services within the
scope of his or her license. Physicians do not include members of the
Participant's immediate family.
<PAGE>

"Medically Necessary" means appropriate and consistent with the diagnosis in
accord with accepted standards of practice and which could not have been omitted
without adversely affecting the individual's condition.

This Rider shall take effect on the Issue Date of the Policy. This Rider shall
terminate on the date a life contingent annuity option is elected, since
Certificate Value will cease to be available on that date.

AIG SUNAMERICA LIFE ASSURANCE COMPANY

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00069-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00069-of-00352.parquet"}]]