Document:

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                                                                     EXHIBIT 4.E

                            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 and the following
definitions.

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.

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."

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

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The section titled "AMOUNT OF DEATH BENEFIT" in the Contract is modified as
follows:

If the Owner was age [80 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
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)  [100% of] Net Purchase Payment(s) received prior to the Owner's
               [86th] birthday.

[If the Owner was age [90] or older at the time of death, 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.]

SPOUSAL BENEFICIARY CONTINUATION

If the Spousal Beneficiary was age [80 or younger] on the Continuation 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 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)  [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.

If the Spousal Beneficiary was age [81 or older] on the Continuation Date,
[and/or death occurs at [90 or older]], 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.

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

AIG SUNAMERICA LIFE ASSURANCE COMPANY

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

                                       2<PAGE>
                                                                     EXHIBIT 4.F

                    PURCHASE PAYMENT ACCUMULATION 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 Payment(s) 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."

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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."

PURCHASE PAYMENT ACCUMULATION 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.

PURCHASE PAYMENT ACCUMULATION OPTIONAL DEATH BENEFIT

If the Owner was age [74 or younger] on the Contract Date, upon Our receipt at
Our Annuity Service Center of all Required Documentation, 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) compounded at [3%] interest
               until the earlier of the Owner's [75th] birthday or the date of
               death; and a Death Benefit Adjustment for Purchase
               Payment(s)transacted after the Owner's [75th] birthday but prior
               to the Owner's [86th] birthday and/or Withdrawals transacted
               after the owner's [75th] birthday; or

          (3)  [100% of] Contract Value at the [seventh] Contract anniversary;
               and a Death Benefit Adjustment for Purchase Payment(s) transacted
               after the [seventh] Contract anniversary but prior to the Owner's
               [86th] birthday and/or Withdrawals transacted after the [seventh]
               Contract anniversary.

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 [74 or younger] on the Continuation
     Date, upon Our receipt at Our Annuity Service Center of all Required
     Documentation, 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) and/or Withdrawals
               transacted since the Continuation Date, compounded at [3%]
               interest until the earlier of the Spousal Beneficiary's [75th]
               birthday or the date of death; and a further Death Benefit
               Adjustment for Purchase Payment(s) transacted after the Spousal
               Beneficiary's

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               [75th] birthday but prior to the Spousal Beneficiary's [86th]
               birthday and/or Withdrawals transacted after the Spousal
               Beneficiary's [75th] birthday or

          (3)  [100% of] Contract Value at the [seventh] Contract anniversary;
               and a Death Benefit Adjustment for Purchase Payment(s) transacted
               after the [seventh] Contract anniversary but prior to the Spousal
               Beneficiary's [86th] birthday and/or Withdrawals transacted after
               the [seventh] Contract anniversary.

     If the Spousal Beneficiary was age [75 but younger than age 83] 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 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
     receipt at Our Annuity Service Center of all Required Documentation, 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 age [86] 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.

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

AIGSUNAMERICA LIFE ASSURANCE COMPANY

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

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