1
                     ANCHOR NATIONAL LIFE INSURANCE COMPANY
                            VARIABLE SEPARATE ACCOUNT
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        SUPPLEMENT TO THE POLARIS(II) PROSPECTUS DATED JANUARY 29, 1999


The footnote to the EXAMPLES on page 4 of the Prospectus has been replaced with
the following sentence:

        We do not currently charge a surrender charge upon annuitization unless
        the contract is annuitized under the Income Protector program. We will
        assess any applicable surrender charge upon annuitizations effected
        using the Income Protector program as if you had fully surrendered your
        contract.


The second full paragraph on page 8 of the Prospectus, has been replaced with
the following paragraph:

        Anchor National does not assess a MVA against withdrawals under the
following circumstances:

        o       To pay a death benefit;

        o       If made within 30 days after the end of a guarantee period;

        o       If made to pay contract fees and charges.


Date: February 1, 1999



                Please keep this Supplement with your Prospectus