As filed pursuant to Rule 424(b)(3)
                                                under the Securities Act of 1933
                                                      Registration No. 333-81476

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

                 SUPPLEMENT TO THE POLARIS CHOICE II PROSPECTUS
                            DATED SEPTEMBER 30, 2002

THE ANCHOR SERIES TRUST FEE TABLE ON PAGE 5 RELATING TO THE VARIABLE PORTFOLIO
LISTED BELOW IS REVISED AS FOLLOWS:

                         ANCHOR SERIES TRUST - CLASS 3*


PORTFOLIO                 MANAGEMENT    SERVICE (12B-1)    OTHER       TOTAL ANNUAL
                          FEE           EXPENSES           EXPENSES    EXPENSES
---------                 ----------    ---------------    --------    ------------
                                                           
Government & Quality           0.58%              0.25%       0.06%           0.89%
Bond


*Because this is a new class of shares, the fees shown for Class 3 have been
estimated and annualized for the current fiscal year.

THE SUNAMERICA SERIES TRUST FEE TABLE ON PAGE 6 RELATING TO THE VARIABLE
PORTFOLIOS LISTED BELOW IS REVISED AS FOLLOWS:

                       SUNAMERICA SERIES TRUST - CLASS 3*


PORTFOLIO                 MANAGEMENT    SERVICE (12B-1)    OTHER       TOTAL ANNUAL
                          FEE           EXPENSES           EXPENSES    EXPENSES
---------                 ----------    ---------------    --------    ------------
                                                           
Corporate Bond                0.60%              0.25%        0.08%           0.93%
Federated Value               0.69%              0.25%        0.08%           1.02%
Global Equities               0.72%              0.25%        0.17%           1.14%


*Because this is a new class of shares, the fees shown for Class 3 have been
estimated and annualized for the current fiscal year.

        The total annual expenses for the Variable Portfolios in the SunAmerica
        Series Trust shown above are 0.01% higher than that shown in the
        prospectus. This difference increases the expense examples starting on
        page 7 of the prospectus by no more than $1.00 at the end of year 10 and
        has no effect on the expense examples at the end of years 1, 3 and 5.










Date: November 15, 2002

                Please keep this Supplement with your Prospectus.
                                   Page 1 of 1


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

                   SUPPLEMENT TO THE POLARIS CHOICE PROSPECTUS
                              DATED AUGUST 1, 2002

THE ANCHOR SERIES TRUST FEE TABLE ON PAGE 5 RELATING TO THE VARIABLE PORTFOLIO
LISTED BELOW IS REVISED AS FOLLOWS:

                         ANCHOR SERIES TRUST - CLASS B*


PORTFOLIO                 MANAGEMENT    SERVICE (12B-1)    OTHER       TOTAL ANNUAL
                          FEE           EXPENSES           EXPENSES    EXPENSES
---------                 ----------    ---------------    --------    ------------
                                                           
Government & Quality           0.58%              0.15%       0.06%           0.79%
Bond


*Annualized.

THE SUNAMERICA SERIES TRUST FEE TABLE ON PAGE 6 RELATING TO THE VARIABLE
PORTFOLIOS LISTED BELOW IS REVISED AS FOLLOWS:

                       SUNAMERICA SERIES TRUST - CLASS B*



PORTFOLIO                 MANAGEMENT    SERVICE (12B-1)    OTHER       TOTAL ANNUAL
                          FEE           EXPENSES           EXPENSES    EXPENSES
---------                 ----------    ---------------    --------    ------------
                                                           
Corporate Bond                0.60%               0.15%       0.08%           0.83%
Federated Value               0.69%               0.15%       0.08%           0.92%
Global Equities               0.72%               0.15%       0.17%           1.04%


*Annualized.

         The total annual expenses for the Variable Portfolios in the SunAmerica
         Series Trust shown above are 0.01% higher than that shown in the
         prospectus. This difference increases the expense examples starting on
         page 7 of the prospectus by no more than $1.00 at the end of year 10
         and has no effect on the expense examples at the end of years 1, 3 and
         5.







Date: November 15, 2002
                Please keep this Supplement with your Prospectus.
                                   Page 1 of 1