PURCHASE PAYMENT ACCUMULATION
                       OPTIONAL DEATH BENEFIT ENDORSEMENT

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 under the DEATH OF OWNER
BEFORE THE ANNUITY DATE and is effective on the Contract Date.

The following are added under the DEFINITIONS section of the Contract:

         CONTINUATION DATE
         The Date on which We receive, in Our Service Center: (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 date on which We
         receive the additional requirement.

         NET PURCHASE PAYMENT
         The sum of all Purchase Payments, reduced for any partial withdrawals
         (and any fees or charges applicable to such withdrawals) in the same
         proportion that the Contract Value was reduced on the date of such
         withdrawal.

AMOUNT OF DEATH BENEFIT
If You are age 80 or younger on the Contract Date, and You die prior to the
Annuity Date, the amount of the Death Benefit will be determined based upon the
Death Benefit option You selected on the Application. Once a Death Benefit
option is selected it cannot be changed or terminated.

PURCHASE PAYMENT ACCUMULATION OPTIONAL DEATH BENEFIT CHARGE
On an annual basis, this charge equals [.25%] of Your average daily ending value
of the assets attributable to the Accumulation Units of the Subaccount(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
As of the date We receive Due Proof of Death, the Death Benefit will be the
greater of:

(a)      The Contract Value; or

(b)      Purchase Payment(s) reduced for any partial withdrawals (and any fees
         or charges applicable to such withdrawals), in the same proportion that
         the Contract Value was reduced on the date of such withdrawal,
         compounded at [5%] interest up to the earlier of Your attainment of age
         80 or the date of death, plus any Purchase Payment(s) reduced for any
         partial withdrawals (and any fees or charges applicable to such
         withdrawals) in the same proportion that the Contract Value was reduced
         on the date of such withdrawal recorded after the date of death. This
         benefit will not exceed two times the Net Purchase Payment(s).

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EARNINGS ENHANCEMENT
The Earnings Enhancement is an amount, as described in the Earnings Enhancement
table below that can increase the Death Benefit. Earnings equal the excess of
Your Contract Value over Net Purchase Payment(s) as of the date of death. If You
have earnings in Your Contract at the time We receive Due Proof of Death, We
will add a Percentage of Earnings to the amount of Your Death Benefit, subject
to a maximum benefit described in the Maximum Benefit Percentage defined below.
This Percentage of Earnings is an amount calculated using the percentages
described in the Earnings Enhancement table below. The Percentage of Earnings of
the Net Purchase Payment(s) depends on how long Your Contract was in force prior
to the date of Your death. This benefit is in addition to the Purchase Payment
Accumulation Death Benefit.



------------------------------------------------------------------------------------------------------
                                          EARNINGS ENHANCEMENT
------------------------------------------------------------------------------------------------------
--------------------------------- ---------------------------------------- ---------------------------
                                                                     
     Contract Year of Death                   Percentage                        Maximum Benefit
                                              of Earnings                          Percentage
             [0-4]                               [25%]                               [25%]
             [5-9]                               [40%]                               [40%]
             [10+]                               [50%]                               [50%]
--------------------------------- ---------------------------------------- ---------------------------




For purposes of determining any Earnings Enhancement payable upon Your death
the following items in the Earnings Enhancement table are described as
follows:

         (a) CONTRACT YEAR OF DEATH is the number of full years since the
             Contract Date to the date of Your Death.

         (b) PERCENTAGE OF EARNINGS is a percentage applied to the earnings
             in Your Contract since the Contract Date to Your date of death.

         (c) MAXIMUM BENEFIT PERCENTAGE is a percentage applied to the Net
             Purchase Payment(s) that defines the maximum benefit of the
             Earnings Enhancement.

SPOUSAL BENEFICIARY CONTINUATION
If a spousal Beneficiary elects to continue this Contract as provided under the
Spousal Continuation provisions of the Contract, the Earnings Enhancement, if
any, will be added to the Death Benefit.

For purposes of determining any Earnings Enhancement payable upon the death of
the new Contract Owner (spousal Beneficiary who elected to continue the
Contract), the following items in the Earnings Enhancement table are described
as follows:

         (a) CONTRACT YEAR OF DEATH is the number of full years since the
             Continuation Date to the date of death of the new Contract Owner.

         (b) PERCENTAGE OF EARNINGS is a percentage applied to the earnings
             in Your Contract since the Continuation Date up to the date of
             death of the new Contract Owner.

         (c) MAXIMUM BENEFIT PERCENTAGE is a percentage applied to the sum of
             (1) and (2) below that defines the maximum benefit of the Earnings
             Enhancement, where:

             (1) is the Contract Value on the Continuation Date reduced
                 proportionately by any withdrawals (and any fees or charges
                 applicable to such withdrawals), and

             (2) is any amount contributed to the Contract on the Continuation
                 Date.

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

ANCHOR NATIONAL LIFE INSURANCE COMPANY


 /s/ Christine A. Nixon                      /s/ Eli Broad
------------------------                    ---------------
 Christine A. Nixon                          Eli Broad
 Assistant Secretary             Chairman and Chief Executive Officer




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