ANCHOR NATIONAL LIFE INSURANCE COMPANY

                              SPOUSAL CONTINUATION
                            DEATH BENEFIT ENDORSEMENT

This endorsement forms a part of the Contract to which it is attached.

The following provision is modified to replace option #3 under DEATH OF OWNER
BEFORE THE ANNUITY DATE as follows:

3. If the Beneficiary is the Owner's surviving spouse, the Beneficiary may elect
   to become the new Owner and continue the Contract in force. If the spousal
   Beneficiary elects to continue the Contract under this provision, no Death
   Benefit is paid at that time. Upon election of this spousal continuation, We
   will contribute to the Contract any amount by which the Death Benefit that
   would have been payable, exceeds the Contract Value. The amount We contribute
   is not considered a Purchase Payment. This amount will be calculated using
   the Contract Value and any applicable Death Benefit as of the Owner's date of
   death and after We receive: (a) the spousal Beneficiary's written request to
   continue this Contract and (b) Due Proof of Death of the Owner. This amount,
   if any, will be added to the Contract Value as of the date that We receive
   (a) and (b). The age of the new Owner at the time of continuation will be
   used in determining any future death benefits on this Contract.

   The new Owner may elect to continue this Contract only upon the death of the
   original Owner. The new Owner cannot change the election of any optional
   benefits in the Contract. Upon the new Owner's subsequent death, the entire
   interest of the Contract must be distributed immediately under option 1 or 2
   as provided under DEATH OF OWNER BEFORE THE ANNUITY DATE.

All other terms and conditions of the Contract remain unchanged. Signed for the
Company at Los Angeles, California, to be effective as of the Contract Date.

/s/ Christine A. Nixon          /s/ Eli Broad
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Christine A. Nixon              Eli Broad
Assistant Secretary             President

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