Stagecoach XTra Credit SIX - Prudential Annuities

Summary of Contract Fees and Charges continued
AMERICAN SKANDIA STAGECOACH XTRA CREDIT SIX PROSPECTUS
The following table provides a summary of the fees and charges you will pay if you elect any of the following optional benefits.
Not all optional benefits may be purchased in combination with one another. You may only elect one optional living benefit. The
optional living benefits are the Guaranteed Return Option Plus program (and where not available, Guaranteed Return Option), the
Guaranteed Minimum Withdrawal Benefit, the Guaranteed Minimum Income Benefit and the Lifetime Five SM Income Benefit. For
the optional death benefits, you may elect the Highest Anniversary Value Death Benefit or the Highest Daily Value Death Benefit
together with the Enhanced Beneficiary Protection Death Benefit or any of these three benefits, individually, but the Combination
5% Roll-up and the HAV Death Benefit may only be purchased individually. The fees and charges and each of the optional benefits
are described in more detail within this Prospectus.
YOUR OPTIONAL BENEFIT FEES AND CHARGES
OPTIONAL BENEFIT
OPTIONAL
BENEFIT FEE/
CHARGE
GUARANTEED RETURN OPTION Plus SM (GRO Plus SM )/GUARANTEED RETURN OPTION
We offer a program that guarantees a “return of premium” at a future date, 0.25% of average daily
while allowing you to allocate all or a portion of your Account Value to net assets of the
certain Sub-accounts.
Sub-accounts
GUARANTEED MINIMUM WITHDRAWAL BENEFIT (GMWB)
We offer a program that guarantees your ability to withdraw amounts equal
to an initial principal value, regardless of the impact of market performance
on your Account Value.
GUARANTEED MINIMUM INCOME BENEFIT (GMIB)**
We offer a program that, after a seven-year waiting period, guarantees your
ability to begin receiving income from your Annuity in the form of annuity
payments based on your total Purchase Payments (and any Credits applied to
such Purchase Payments) and an annual increase of 5% on such Purchase
Payments adjusted for withdrawals (called the “Protected Income Value”),
regardless of the impact of market performance on your Account Value.
LIFETIME FIVE INCOME BENEFIT**
We offer a program that guarantees your ability to withdraw amounts equal
to a percentage of an initial principal value, regardless of the impact of
market performance on your Account Value, subject to our program rules
regarding the timing and amount of withdrawals.
ENHANCED BENEFICIARY PROTECTION DEATH BENEFIT**
We offer an Optional Death Benefit that provides an enhanced level of
protection for your beneficiary(ies) by providing amounts in addition to the
basic Death Benefit that can be used to offset federal and state taxes
payable on any taxable gains in your Annuity at the time of your death.
0.35% of average daily
net assets of the
Sub-accounts
0.50% per year of the
average Protected
Income Value during
each year; deducted
annually in arrears each
Annuity Year
0.60% of average daily
net assets of the
Sub-accounts
0.25% of average daily
net assets of the
Sub-accounts
TOTAL ANNUAL
CHARGE*
1.90% in Annuity Years
1–10; 0.90% in Annuity
Years 11 and later; 1.65%
for Qualified BCO
2.00% in Annuity Years
1–10; 1.00% in Annuity
Years 11 and later; 1.75%
for Qualified BCO
1.65% in Annuity Years
1–10; 0.65% in Annuity
Years 11 and later
PLUS
0.50% per year of average
Protected Income Value
2.25% in Annuity Years
1–10; 1.25% in Annuity
Years 11 and later
Contract described herein is no longer available for sale.
1.90% in Annuity Years
1–10; 0.90% in Annuity
Years 11 and later
6