As filed pursuant to Rule 424(6)(3)
                                             under The Securities Act of 1933
                                             Registration No. 33-81476

                     ANCHOR NATIONAL LIFE INSURANCE COMPANY
                            VARIABLE SEPARATE ACCOUNT
            (PORTION RELATING TO THE POLARIS CHOICE VARIABLE ANNUITY)


                   SUPPLEMENT TO THE POLARIS CHOICE PROSPECTUS
                                DATED MAY 1, 2002

The paragraph and heading titled "Service Fees" on page 20 of the prospectus is
replaced in its entirety with the following:

         12B-1 FEES

Shares of certain trusts may be subject to fees imposed under a distribution
and/or servicing plan adopted pursuant to Rule 12b-1 under the Investment
Company Act of 1940. For SunAmerica Series Trust ("SAST"), under the
distribution plan which is applicable to Class B shares, recaptured brokerage
commissions will be used to make payments to SunAmerica Capital Services, Inc.,
the SAST Distributor, to pay for various distribution activities on behalf of
the SAST Portfolios. These distribution fees will not increase the cost of your
investment or affect your return.

In addition, the 0.15%, 0.25% and 0.25% fee applicable to Anchor Series Trust,
the Class II shares of the Van Kampen Life Investment Trust, and Nations
Separate Account Trust, respectively, is generally used to pay financial
intermediaries for services provided over the life of your contract.

FOR MORE DETAILED INFORMATION ON THESE INVESTMENT CHARGES, REFER TO THE
PROSPECTUSES FOR THE ANCHOR SERIES TRUST, SUNAMERICA SERIES TRUST, VAN KAMPEN
LIFE INVESTMENT TRUST AND/OR NATIONS SEPARATE ACCOUNT TRUST.



Date: August 12, 2002


                Please keep this Supplement with your Prospectus.

                                   Page 1 of 1

                     ANCHOR NATIONAL LIFE INSURANCE COMPANY
                            VARIABLE SEPARATE ACCOUNT
     (PORTION RELATING TO THE WM DIVERSIFIED STRATEGIESIII VARIABLE ANNUITY)


            SUPPLEMENT TO THE WM DIVERSIFIED STRATEGIESIII PROSPECTUS
                              DATED APRIL 30, 2002

The paragraph and heading titled "Service Fees" on page 28 of the prospectus is
replaced in its entirety with the following:

         12B-1 FEES

Shares of certain trusts may be subject to fees imposed under a distribution
and/or servicing plan adopted pursuant to Rule 12b-1 under the Investment
Company Act of 1940. For SunAmerica Series Trust ("SAST"), under the
distribution plan which is applicable to Class B shares, recaptured brokerage
commissions will be used to make payments to SunAmerica Capital Services, Inc.,
the SAST Distributor, to pay for various distribution activities on behalf of
the SAST Portfolios. These distribution fees will not increase the cost of your
investment or affect your return.

In addition, the 0.15%, 0.25% and 0.25% fee applicable to Anchor Series Trust,
the Class II shares of the Van Kampen Life Investment Trust, and WM Variable
Trust, respectively, is generally used to pay financial intermediaries for
services provided over the life of your contract.

FOR MORE DETAILED INFORMATION ON THESE INVESTMENT CHARGES, REFER TO THE
PROSPECTUSES FOR THE ANCHOR SERIES TRUST, SUNAMERICA SERIES TRUST, VAN KAMPEN
LIFE INVESTMENT TRUST AND/OR WM VARIABLE TRUST.



Date: August 12, 2002

                Please keep this Supplement with your Prospectus.

                                   Page 1 of 1