Document:

Optional Death Benefit Enhancement Endorsements

  
 Exhibit 4(d) 
  
 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 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 an 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. 
  
 
	 Death Benefit Enhancement
 
	 Number of Years Elapsed
 	 	 Percentage
 of Earnings
 	 	 Maximum Benefit
 Percentage

	 All Elapsed Years
 	 	 [25%]
 	 	 [40%]
 

 
  
 Death Benefit Enhancement Charge 
 On an annual basis, the Death Benefit Enhancement Charge is equal to [0.25%] 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 

  
 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 [5th] Certificate
Anniversary, must remain in Your Certificate for at least [6 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
[5] Continuation Years, must remain in Your Certificate for at least [6 full months] to be included in the calculation of the maximum amount of the Death Benefit Enhancement. 
 

 
 2 

  

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

  

	ANCHOR
	 
	NATIONAL LIFE INSURANCE COMPANY 
 

  
 
	 
	 /s/    CHRISTINE A. NIXON
        
 
	 	  	 	 /s/    JAY S.
WINTROB        
 

	 Christine A. Nixon
 Secretary
 	 	  	 	 Jay S. Wintrob
 President
 

 

 
 3 

  
 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 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 an 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. 
  
 
	 Death Benefit Enhancement
 
	 Number of Years Elapsed
 	 	 Percentage
 of Earnings
 	 	 Maximum Benefit
 Percentage

	 All Elapsed Years
 	 	 [25%]
 	 	 [40%]
 

 
  
 Death Benefit Enhancement Charge 
 On an annual basis, the Death Benefit Enhancement Charge is equal to [0.25%] 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. 
  
 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 

 
 1 

 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 [5th] Certificate Anniversary, must remain in Your Certificate for at least [6 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
[5] Continuation Years, must remain in Your Certificate for at least [6 full months] to be included in the calculation of the maximum amount of the Death Benefit Enhancement. 
 

  

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

 
 2 

  

	ANCHOR
	 
	NATIONAL LIFE INSURANCE COMPANY 
 

  
 
	 
	 /s/    CHRISTINE A. NIXON
        
 
	 	  	 	 /s/    JAY S.
WINTROB        
 

	 Christine A. Nixon
 Secretary
 	 	  	 	 Jay S. Wintrob
 President
 

 

 
 3 

  
 ENDORSEMENT 
  
 OPTIONAL DEATH BENEFIT ENHANCEMENT 
  
 This Endorsement is made
a part of, and subject to, the other terms and conditions of the Contract 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 Contract 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 Contract in force, and (b) Due Proof of Death of the Contract Owner. 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 Purchase Payments, reduced proportionately on the date of each partial withdrawal by the percentage at which the Contract Value is reduced by such withdrawal (including any fees or charges applicable to the withdrawal).

  
 SPOUSAL BENEFICIARY is the Owner’s spouse who: (a) is designated as the primary Beneficiary; (b) is
age 80 or younger at the time of the Owner’s death; and (c) elects to continue the Contract as the Owner. 
  
 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. 
  
 
	 Death Benefit Enhancement
 

	 Number of Years Elapsed*
 	 	 Percentage
 of Earnings

	 	 Maximum Benefit Percentage
 
	 [0-4]
 	 	 [25%]
 	 	 [40%]
 
	 [5-9]
 	 	 [40%*]
 	 	 [65%*]
 
	 [10+]
 	 	 [50%*]
 	 	 [75%*]
 

 

	 	          *
	 
	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 [0.25%] 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 Contract Value is allocated. We
deduct this charge daily. This charge is in addition to the other charges that are deducted daily in Your Contract. 

 
 1 

  
 Death Benefit Enhancement Before the Continuation Date 
 Earnings, for purposes of calculating the Death Benefit Enhancement amount, equal the amount by which Your Contract Value exceeds Net Purchase Payment(s) as of the date of Your death. If You have
earnings as defined above in Your Contract 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 Contract 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 Contract Years from the Contract Date to the date of Your death. 
  
 Percentage of Earnings is a percentage applied to the earnings in Your Contract from the Contract 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 [5th] Contract Anniversary, must remain in Your Contract for at least [6 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 Contract 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 Contract Value on the Spousal Beneficiary’s date of death; and 
 

	 	(b)
	 
	is the sum of the Contract Value on the Continuation Date (including any amount added to the Contract 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 Contract Value on the Continuation Date (including any amount added to the Contract 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 Contract 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
[5] Continuation Years, must remain in Your Contract for at least [6 full months] to be included in the calculation of the maximum amount of the Death Benefit Enhancement. 
 

 
 2 

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

  
  

	ANCHOR
	 
	NATIONAL LIFE INSURANCE COMPANY 
 

  
 
	 
	 /s/    CHIRSTINE A.
NIXON        
 
	 	  	 	 /s/    Jay S. WINTROB        
 

	 Christine A. Nixon
 Secretary
 	 	  	 	 Jay S. Wintrob
 President
 

 

 
 3 

  
 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 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. 
  
 
	 Death Benefit Enhancement
 

	 Number of Years Elapsed*
 	 	 Percentage
 of Earnings

	 	 Maximum Benefit Percentage
 
	 [0-4]
 	 	 [25%]
 	 	 [40%]
 
	 [5-9]
 	 	 [40%*]
 	 	 [65%*]
 
	 [10+]
 	 	 [50%*]
 	 	 [75%*]
 

 

	 	          *
	 
	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 [0.25%] 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 

  
 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 [5th] Certificate
Anniversary, must remain in Your Certificate for at least [6 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
[5] Continuation Years, must remain in Your Certificate for at least [6 full months] to be included in the calculation of the maximum amount of the Death Benefit Enhancement. 
 

 
 2 

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

  
  
  

	ANCHOR
	 
	NATIONAL LIFE INSURANCE COMPANY 
 

  
 
	 
	 /s/    CHRISTINE A.
NIXON        
 
	 	  	 	 /s/    JAY S.
WINTROB        
 

	 Christine A. Nixon
 Secretary
 	 	  	 	 Jay S. Wintrob
 President
 

 

 
 3Form of IRA Qualified Plan Endorsement

  
 Exhibit 4(e) 
  
 ANCHOR NATIONAL LIFE INSURANCE COMPANY 
  
 INDIVIDUAL RETIREMENT ANNUITY ENDORSEMENT 
  
 This Endorsement amends the Contract or
Certificate (“Contract”) to which it is attached so that it may qualify as an Individual Retirement Annuity (IRA) under Section 408(b) of the Internal Revenue Code (Code) and the Regulations under that Section. The endorsement may be
amended from time to time to comply with changes in the Internal Revenue Code. The Owner or Participant (“Owner”) has the right to refuse to accept any such amendment; however, We shall not be held liable for any tax consequences incurred
by the Owner as a result of such refusal. In the case of a conflict with any provision in the Contract, the provisions of this Endorsement will control. The effective date of this Endorsement is the Contract Date shown on the Contract Data Page. The
Contract is amended as follows: 
  
         1.  The Owner,
Annuitant and Payee shall be the same individual. The Owner, Annuitant and Payee cannot be changed, except as otherwise permitted under the Code and applicable regulations. All distributions made while the Owner is alive must be made to the Owner.

  
         2.  The interest of the Owner under this Contract shall
be nonforfeitable except as provided by law. 
  
         3.  This
Contract may not be sold, assigned, discounted, pledged as collateral for a loan or as security for the performance of any obligation or for any other purpose, or otherwise transferred (other than a transfer incident to a divorce or separation
instrument in accordance with Section 408(d)(6) of the Code) to any person other than to the Company. 
  
         4.  This Contract is established for the exclusive benefit of the Owner and his or her Beneficiary(ies). 
  
         5.  Purchase Payment(s) are flexible. You may change the amounts, frequency and/or timing of Purchase Payments.

  
         6.  (a) Except in the case of a rollover contribution
(as permitted by Code§§ 402(c), 402(e)(6), 403(a)(4), 403(b)(8), 403(b)(10), 408(d)(3) and 457(e)(16)) or a contribution made in accordance with the terms of a Simplified Employee Pension (SEP) as described in § 408(k), no
contributions will be accepted unless they are in cash, and the total of such contributions shall not exceed: 
  
         (1)  $3,000 for any taxable year beginning in 2002 through 2004; 
  
         (2)  $4,000 for any taxable year beginning in 2005 through 2007; and 
  
         (3)  $5,000 for any taxable year beginning in 2008 and years thereafter. 
  
 After 2008, the limit will be adjusted by the Secretary of the Treasury for cost-of-living increases under Code § 219(b)(5)(C). Such adjustments will be in multiples
of $500. 
  
 (b)  In the case of an individual who is age 50 or older, the annual cash contribution limit
is increased by: 
  
         (1)  $500 for any taxable year
beginning in 2002 through 2005; and 
  
         (2)  $1,000 for any
taxable year beginning in 2006 and years thereafter. 
  
 (c)  No contributions will be accepted under a
SIMPLE IRA plan established by any employer pursuant to § 408(p). Also, no transfer or rollover of funds attributable to contributions made by a particular employer under its SIMPLE IRA plan will be accepted from a SIMPLE IRA, that is,

 
 1 

 an IRA used in conjunction with a SIMPLE IRA plan, prior to the expiration of the 2-year period beginning on the date the
Owner first participated in that employer’s SIMPLE IRA plan. 
  
         7.  Any refund of premiums (other than those attributable to excess contributions) will be applied, before the close of the calendar year following the year of the refund,
toward the payment of future premiums or the purchase of additional benefits. 
  
         8.  (a)  Notwithstanding any provision of this IRA to the contrary, the distribution of the Owner’s interest in the IRA shall be made in accordance with the
requirements of Code § 408(b)(3) and the regulations thereunder, the provisions of which are herein incorporated by reference. If distributions are not made in the form of an annuity on an irrevocable basis (except for acceleration), then
distribution of the interest in the IRA (as determined under section 9 (c)) must satisfy the requirements of Code § 408(a)(6) and the regulations thereunder, rather than paragraphs (b), (c) and (d) below and section 9 . 
  
         (b)  The entire interest of the Owner for whose benefit the Contract is
maintained will commence to be distributed no later than the first day of April following the calendar year in which such Owner attains age 701⁄2 (the “required beginning date”) over: (a) the life of such individual or the lives of such
individual and his or her designated beneficiary or (b) a period certain not extending beyond the life expectancy of such individual or the joint and last survivor expectancy of such individual and his or her designated beneficiary. Payments must be
made in periodic payments at intervals of no longer than 1 year and must be either nonincreasing or they may increase only as provided in Q&As-1 and -4 of § 1.401(a)(9)-6T of the Temporary Income Tax Regulations. In addition, any
distribution must satisfy the incidental benefit requirements specified in Q&A-2 of § 1.401(a)(9)-6T. 
  
         (c)  The distribution periods described in paragraph (b) above cannot exceed the periods specified in § 1.401(a)(9)-6T of the Temporary Income Tax Regulations.

  
         (d)  The first required payment can be made as late as
April 1 of the year following the year the individual attains age 701⁄2 and must be the payment that is required for one payment interval. The second payment need not be made until the end of the next payment interval. 
  
         9.  Unless otherwise permitted under applicable law, upon the death of the
Owner: 
  
         (a)  Death On or After Required Distributions
Commence. If the Owner dies on or after required distributions commence, the remaining portion of his or her interest will continue to be distributed under the Contract option chosen. 
  
         (b)  Death Before Required Distributions Commence. If the Owner dies before required distributions commence, his
or her entire interest will be distributed at least as rapidly as follows: 
  
         (1)  If the designated beneficiary is someone other than the Owner’s surviving spouse, the entire interest will be distributed, starting by the end of the calendar year
following the calendar year of the Owner’s death, over the remaining life expectancy of the designated beneficiary, with such life expectancy determined using the age of the beneficiary as of his or her birthday in the year following the year
of the Owner’s death, or, if elected, in accordance with paragraph (b)(3) below. 
  
         (2)  If the Owner’s sole designated beneficiary is the Owner’s surviving spouse, the entire interest will be distributed, starting by the end of the calendar year
following the calendar year of the Owner’s death (or by the end of the calendar year in which the Owner would have attained age 

 
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 701⁄2, if later), over such spouse’s life, or, if elected, in accordance
with paragraph (b)(3) below. If the surviving spouse dies before required distributions commence to him or her, the remaining interest will be distributed, starting by the end of the calendar year following the calendar year of the spouse’s
death, over the spouse’s designated beneficiary’s remaining life expectancy determined using such beneficiary’s age as of his or her birthday in the year following the death of the spouse, or, if elected, will be distributed in
accordance with paragraph (b)(3) below. If the surviving spouse dies after required distributions commence to him or her, any remaining interest will continue to be distributed under the Contract option chosen. 
  
         (3)  If there is no designated beneficiary, or if applicable by operation of
paragraph (b)(1) or (b)(2) above, the entire interest will be distributed by the end of the calendar year containing the fifth anniversary of the Owner’s death (or of the spouse’s death in the case of the surviving spouse’s death
before distributions are required to begin under paragraph (b)(2) above). 
  
         (4)  Life expectancy is determined using the Single Life Table in Q&A-1 of § 1.401(a)(9)-9 of the Income Tax Regulations. If distributions are being made to a
surviving spouse as the sole designated beneficiary, such spouse’s remaining life expectancy for a year is the number in the Single Life Table corresponding to such spouse’s age in the year. In all other cases, remaining life expectancy
for a year is the number in the Single Life Table corresponding to the beneficiary’s age in the year specified in paragraph (b)(1) or (2) and reduced by 1 for each subsequent year. 
  
         (c)  The “interest” in the IRA includes the amount of any outstanding rollover, transfer and
recharacterization under Q&As-7 and -8 of § 1.408-8 of the Income Tax Regulations and the actuarial value of any other benefits provided under the IRA, such as guaranteed death benefits. 
  

        (d)  For purposes of paragraphs (a) and (b) above, required distributions are considered to commence on the
Owner’s required beginning date or, if applicable, on the date distributions are required to begin to the surviving spouse under paragraph (b)(2) above. However, if distributions start prior to the applicable date in the preceding sentence, on
an irrevocable basis (except for acceleration) under an annuity contract meeting the requirements of § 1.401(a)(9)-6T of the Temporary Income Tax Regulations, then required distributions are considered to commence on the annuity starting date.

  
         (e)  If the sole designated beneficiary is the
Owner’s surviving spouse, the spouse may elect to treat the IRA as his or her own IRA. This election will be deemed to have been made if such surviving spouse makes a contribution to the IRA or fails to take required distributions as a
beneficiary. 
  
         10.  The Company shall furnish annual
calendar year reports concerning the status of the annuity and such information concerning minimum required distributions as is prescribed by the Commissioner of Internal Revenue. 
  
         11.  Except to the extent Treasury regulations allow Us to offer additional Annuity Payment Options that are
acceptable to Us, only the Annuity Payment Options as described in the Contract shall be offered unless We consent to the use of an additional option. 
  
 Any additional Annuity Payment Option under the Contract must meet the requirements of section 408(b) of the Code and applicable regulations. The provisions of this Endorsement reflecting the
requirements of Code Sections 401(a)(9) and 408(b) override any additional Annuity Payment Option inconsistent with such requirements. 

 
 3 

 If a guaranteed or specified period of payments is chosen under an Annuity Payment Option, the length of the period must
not exceed the shorter of (1) the Owner’s life expectancy, or if a designated second person is named, the joint and last survivor expectancy of the Owner and the designated second person, and (2) the applicable maximum period under Section
1.401(a)(9)-2 of the Income Tax Regulations. 
  
         12.  If
you return the Contract within 10 days after the Contract Date, the Company will refund the amount of your Purchase Payments, without adjustment for such items as sales commissions, administrative expenses, and fluctuation in market value for the
Valuation Period in which the Contract is received. We reserve the right to allocate your Purchase Payment(s) to the Cash Management Subaccount or the Money Market Portfolio, whichever is applicable, until the end of the Right to Examine period.
Thereafter, allocations will be made as You have specified and/or shown on the Contract Data Page. 
  
         13.  The provisions of this Endorsement are intended to comply with the requirements of the Code and applicable regulations for IRAs under Section 408(b) of the Code. The
Company reserves the right to amend the Contract and this Endorsement from time to time when such amendment is necessary to assure continued qualification of the Contract as an IRA under Section 408(b) of the Code (and any successor provision) as in
effect from time to time. The Owner has the right to refuse to accept any such amendment; however, we shall not be held liable for any tax consequences incurred by the Owner as a result of such refusal. 
  
         14.  In the absence of federal legislative action, one or more of the provisions
of the Code that are reflected in this Endorsement will automatically expire on January 1, 2011. In the event of such automatic expiration, such provisions shall cease to apply under this Endorsement. 
  
 All other terms and conditions of the Contract remain unchanged. 
  
 Signed for the Company to be effective on the Contract Date.  
  
 
	 ANCHOR NATIONAL LIFE INSURANCE COMPANY
 	 	  
	 
	 /s/    CHRISTINE A.
NIXON        
 
	 	  	 	 /s/    JANA W. GREER        

	 Christine A. Nixon
 Secretary
 	 	  	 	 Jana W. Greer
 President
 

 

 
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