Prepared by R.R. Donnelley Financial -- S.A. II Individual Purchase Payment Accumulation

EXHIBIT 4(d)

PURCHASE PAYMENT ACCUMULATION

OPTIONAL DEATH BENEFIT ENDORSEMENT

This Endorsement is made a part of, and subject to, the other terms and conditions of the Contract to which it is attached.

This Endorsement modifies the AMOUNT OF DEATH BENEFIT under the DEATH OF OWNER BEFORE THE ANNUITY DATE in the Contract.

The following is added under the DEFINITIONS section of the Contract:

NET PURCHASE PAYMENT

The sum of all Purchase Payments, reduced proportionately on the date of each partial withdrawal by the percentage at which the Contract Value is reduced by such withdrawal (including any charges applicable to the withdrawal).

AMOUNT OF DEATH BENEFIT

If You are age 80 or younger on the Contract Date, and You die prior to the Annuity Date, the amount of the Death Benefit will be determined based upon the Death Benefit option You selected on the Application Form. Once a Death Benefit option is selected it cannot be changed or terminated.

Purchase Payment Accumulation Optional Death Benefit Charge

On an annual basis, this charge equals [.15%] of Your average daily ending value of the assets attributable to the Accumulation Units of the Subaccount(s) to which the Contract is allocated. We deduct this charge daily. This charge is in addition to the charges in Your Contract.

Purchase Payment Accumulation Optional Death Benefit

As of the date We receive Due Proof of Death, the Death Benefit will be the greater of:

(a)

The Contract Value; or

(b)

Purchase Payment(s) reduced for any partial withdrawals (and any charges applicable to such withdrawals), in the same proportion that the Contract Value was reduced on the date of such withdrawal, compounded at [5%] interest up to the earlier of Your attainment of age 80 or the date of death, plus any Purchase Payment(s) reduced for any partial withdrawals (and any charges applicable to such withdrawals) in the same proportion that the Contract Value was reduced on the date of such withdrawal recorded after the date of death. This benefit will not exceed two times the Net Purchase Payment(s).

Signed for the Company to be effective on the Contract Date.

ANCHOR NATIONAL LIFE INSURANCE COMPANY

/s/ CHRISTINE A. NIXON				/s/ JAY S. WINTROB
Christine A. Nixon Secretary				Jay S. Wintrob President