Exhibit 5







VIA EDGAR

February 28, 2003

Anchor National Life Insurance Company
1 SunAmerica Center
Los Angeles, California  90067

Ladies and Gentlemen:

      Referring to the Registration Statement on Form S-3 filed February 28,
2003 (the "Registration Statement") by Anchor National Life Insurance Company
("Anchor National") with the Securities and Exchange Commission, under the
Securities Act of 1933, as amended, I am of the opinion that:

      1)  Anchor National is a duly organized and existing stock life insurance
          company under the laws of the State of Arizona; and

      2)  the annuity contracts being registered by the Registration Statements
          will, upon sale thereof, be legally issued, fully paid and
          nonassessable, and, to the extent that they are construed to
          constitute debt securities, will be binding obligations of Anchor
          National, except as enforceability may be limited by bankruptcy,
          insolvency, reorganization or similar laws affecting the rights of
          creditors generally.

      I am licensed to practice only in the State of California, and the
foregoing opinions are limited to the laws of the State of California, the
general opinions are limited to the laws of the State of California, the general
corporate law of the State of Arizona and federal law. I hereby consent to the
filing of this opinion with the Securities and Exchange Commission in connection
with the Registration Statement.

Very truly yours,

/s/ CHRISTINE A. NIXON

Christine A. Nixon
Vice President and Secretary