Stagecoach XTra Credit SIX - Prudential Annuities

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Investment Options continued AMERICAN SKANDIA STAGECOACH XTRA CREDIT <strong>SIX</strong> PROSPECTUS STYLE/ TYPE Large Cap Value Large Cap Value International Equity Small Cap Growth Large Cap Blend Large Cap Growth Asset Allocation/ Balanced Fixed Income INVESTMENT OBJECTIVES/POLICIES Advantage C&B Large Cap Value Fund (formerly Equity Value): Seeks maximum long-term total return, consistent with minimizing risk to principal. The Portfolio will principally invest in large-capitalization securities, which the Sub-advisor defines as securities of companies with market capitalizations of $1 billion or more. Advantage Equity Income Fund (formerly Equity Income): Seeks long-term capital appreciation and above-average dividend income. The Portfolio invests in the common stocks of large U.S. companies with strong return potential and above-average dividend income. The Portfolio invests principally in securities of companies with market capitalizations of $3 billion or more. Advantage International Core Fund (formerly International Equity): Seeks long-term capital appreciation. The Portfolio will principally invest in non-U.S. securities. The Portfolio will focus on companies with strong growth potential that offer good relative values. Advantage Small Cap Growth Fund (formerly Small Cap Growth): Seeks long-term capital appreciation. The Portfolio focuses on companies that the Sub-advisor believes have above-average growth potential, or that may be involved in new or innovative products, services and processes. Advantage Large Company Core Fund (formerly Growth): Seeks total return comprised of long-term capital appreciation and current income. The Portfolio will invest at least 80% of the Fund’s assets in securities of large-capitalization companies, which are defined as those with market capitalizations of $3 billion or more. Advantage Large Company Growth Fund (formerly Large Company Growth): Seeks long-term capital appreciation. The Portfolio invests in the common stocks of large U.S. companies that the Sub-advisor believes have superior growth potential. The Portfolio invests principally in securities of companies with market capitalizations of $3 billion or more. Advantage Asset Allocation Fund (formerly Asset Allocation): Seeks long-term total return, consistent with reasonable risk. The Portfolio invests in equity and fixed-income securities in varying proportions, with an emphasis on equity securities. The Portfolio does not select individual securities for investment, rather, it buys substantially all of the securities of various indexes to replicate such indexes. Advantage Total Return Bond Fund (formerly Total Return Bond): Seeks total return consisting of income and capital appreciation. The Portfolio invests principally in investment-grade debt securities, which include U.S. Government obligations, corporate bonds, mortgage- and other assetbacked securities and money market instruments. Under normal circumstances, the Portfolio is expected to maintain an overall effective duration between 4 and 5.5 years. PORTFOLIO ADVISOR/ SUB-ADVISOR Wells Fargo Funds Management, LLC Wells Fargo Funds Management, LLC Wells Fargo Funds Management, LLC Wells Fargo Funds Management, LLC Wells Fargo Funds Management, LLC Wells Fargo Funds Management, LLC Wells Fargo Funds Management, LLC Contract described herein is no longer available for sale. Wells Fargo Funds Management, LLC 20
STYLE/ TYPE Mid Cap Growth Specialty INVESTMENT OBJECTIVES/POLICIES AIM Variable Insurance Funds — AIM V.I. Dynamics Fund — Series I shares (formerly an INVESCO fund): seeks long-term capital growth. The Portfolio pursues its objective by normally investing at least 65% of its assets in common stocks of mid-sized companies that are included in the Russell Midcap Growth T Index at the time of purchase. AIM Variable Insurance Funds — AIM V.I. Technology Fund — Series I shares (formerly an INVESCO fund): seeks capital growth. The Portfolio normally invests at least 80% of its net assets in the equity securities and equity-related instruments of companies engaged in technology-related industries. These include, but are not limited to, various applied technologies, hardware, software, semiconductors, telecommunications equipment and services and service-related companies in information technology. Specialty AIM Variable Insurance Funds — AIM V.I. Health Sciences Fund — Series I shares (formerly an INVESCO fund) (Effective July 1, 2005, AIM V.I. Health Sciences Fund will be renamed AIM V.I. Global Health Care Fund): seeks capital growth. The Portfolio normally invests at least 80% of its net assets in the equity securities and equity-related instruments of companies related to health care. Specialty AIM Variable Insurance Funds — AIM V.I. Financial Services Fund — Series I shares (formerly an INVESCO fund): seeks capital growth. The Portfolio normally invests at least 80% of its net assets in the equity securities and equity-related instruments of companies involved in the financial services sector. These companies include, but are not limited to, banks, insurance companies, investment and miscellaneous industries, and suppliers to financial services companies. International Equity Small Cap Growth Specialty Evergreen VA International Equity (formerly Evergreen VA International Growth): seeks long-term capital growth and secondarily, modest income. The Portfolio normally invests 80% of its assets in equity securities issued by established, quality, non-U.S. companies located in countries with developed markets and may purchase across all market capitalizations. The Portfolio normally invests at least 65% of its assets in securities of companies in at least three different countries (other than the U.S.). Evergreen VA Growth (formerly Evergreen VA Special Equity): seeks long-term capital growth. The Portfolio invests at least 75% of its assets in common stocks of small- and medium-sized companies (i.e., companies whose market capitalizations fall within the range of the Russell 2000 T Growth Index, at the time of purchase). Evergreen VA Omega: seeks long-term capital growth. The Portfolio invests primarily, and under normal conditions, substantially all of its assets in common stocks and securities convertible into common stocks of U.S. companies across all market capitalizations. PORTFOLIO ADVISOR/ SUB-ADVISOR A I M Advisors, Inc. A I M Advisors, Inc. A I M Advisors, Inc. A I M Advisors, Inc. Evergreen Investment Management Company, LLC Evergreen Investment Management Company, LLC Contract described herein is no longer available for sale. Evergreen Investment Management Company, LLC AMERICAN SKANDIA STAGECOACH XTRA CREDIT <strong>SIX</strong> PROSPECTUS 21
Page 1 and 2: Effective January 1, 2008, American
Page 3 and 4: Contents Introduction .............
Page 5 and 6: Introduction Why Would I Choose to
Page 7 and 8: Glossary of Terms Many terms used w
Page 9 and 10: The following table provides a summ
Page 11 and 12: OPTIONAL BENEFIT HIGHEST ANNIVERSAR
Page 13 and 14: UNDERLYING PORTFOLIO Wells Fargo Va
Page 15 and 16: (1) As noted above, shares of the P
Page 17 and 18: Expense Examples These examples are
Page 19 and 20: STYLE/ TYPE International Equity In
Page 21 and 22: STYLE/ TYPE Large Cap Growth Large
Page 23: STYLE/ TYPE Fixed Income Fixed Inco
Page 27 and 28: STYLE/ TYPE Specialty Specialty Spe
Page 31 and 32: STYLE/ TYPE Specialty Specialty Lar
Page 35 and 36: Fees and Charges The charges under
Page 37 and 38: Account Value based on market fluct
Page 39 and 40: survivorship. Refer to the Glossary
Page 41 and 42: MAY I MAKE SCHEDULED PAYMENTS DIREC
Page 43 and 44: Additional Purchase Payment in Annu
Page 45 and 46: which such purchase and redemption
Page 47 and 48: DO YOU OFFER PROGRAMS DESIGNED TO G
Page 49 and 50: to comply with specific restriction
Page 51 and 52: MVA Examples The following hypothet
Page 53 and 54: HOW MUCH CAN I WITHDRAW AS A FREE W
Page 55 and 56: of the applicable “Contingency Ev
Page 57 and 58: may apply, by the factor determined
Page 59 and 60: Living Benefit Programs DO YOU OFFE
Page 61 and 62: guaranteed amount based on your cur
Page 63 and 64: If a significant amount of your Acc
Page 65 and 66: GUARANTEED RETURN OPTION (GRO) The
Page 67 and 68: Special Considerations under the Gu
Page 69 and 70: The GMWB program does not affect yo
Page 71 and 72: Termination of the Program The prog
Page 73 and 74: • If you elect to step-up the Pro
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• Where allowed by law, we reserv
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greater than the Protected Withdraw
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• Remaining Annual Withdrawal Amo
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may terminate the program at any ti
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Calculation of Enhanced Beneficiary
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of either joint Owner or the Annuit
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AMERICAN SKANDIA’S ANNUITY REWARD
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of a decree of a court of competent
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stances beyond our control, our off
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Tax Considerations The tax consider
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exemptions unless you designate a d
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SEPs. SEPs are a variation on a sta
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ERISA Disclosure/Requirements ERISA
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Corporation Variable Account B, als
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In addition, the investment adviser
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facsimile, Internet or any other el
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Appendix A — Condensed Financial
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Year Ended December 31, Sub-account
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1. Effective May 2, 2005 the name o
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Appendix B — Calculation of Optio
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Highest Anniversary Value = $90,000
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Example with withdrawals Assume tha
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Appendix C — Additional Informati
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PLEASE SEND ME A STATEMENT OF ADDIT
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NOTES Contract described herein is
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NOTES Contract described herein is
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IRA Disclosure Statement This state
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the 10% penalty unless the excess c
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AMERICAN SKANDIA’S PRIVACY POLICY
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Stagecoach XTra Credit SIX - Prudential Annuities

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