ANCHOR NATIONAL LIFE INSURANCE COMPANY
VARIABLE SEPARATE ACCOUNT
_____________________________________________________________________
SUPPLEMENT TO THE PATHWAY PROSPECTUS DATED JANUARY 29, 1996
Delete the second paragraph in the section entitled "Non-Qualified
Contracts" on page 20 and replace with the following:
A 10% penalty may apply to the income portion of any distribution.
However, the penalty is not imposed on amounts received: (1) after the
taxpayer reaches age 59 1/2; (2) after the death of the Contract Owner;
(3) if the taxpayer is disabled as defined in Code; (4) in a series of
substantially equal payments made not less frequently than annually for the
life (or life expectancy) of the taxpayer or for the joint lives (or life
expectancies) of the taxpayer and his or her Beneficiary; (5) under an
immediate annuity; or (6) which are allocable to Purchase Payments made prior
to August 14, 1982.
The Contract provides that upon death of the Annuitant prior to the
Annuity Date, the death benefit will be paid to the named Beneficiary. Such
payments made upon the death of the Annuitant who is not the Contract Owner
do not qualify for the death of Contract Owner exception described above, and
will be subject to the 10% distribution penalty unless the Beneficiary is
59 1/2 years old or one of the other exceptions to the penalty applies.
Date: June 28, 1996
Please keep this Supplement with your Prospectus
