Stagecoach XTra Credit SIX - Prudential Annuities

More documents

Recommendations

Info

Investment Options continued AMERICAN SKANDIA STAGECOACH XTRA CREDIT <strong>SIX</strong> PROSPECTUS STYLE/ TYPE International Equity Specialty Specialty Specialty Specialty Specialty Specialty INVESTMENT OBJECTIVES/POLICIES ProFund VP Europe 30: seeks daily investment results, before fees and expenses, that correspond to the daily performance of the ProFunds Europe 30 Index. The ProFunds Europe 30 Index, created by ProFund Advisors, is composed of 30 companies whose principal offices are located in Europe and whose securities are traded on U.S. exchanges or on the NASDAQ as depositary receipts or ordinary shares. ProFund VP Asia 30: seeks daily investment results, before fees and expenses, that correspond to the daily performance of the ProFunds Asia 30 Index. The ProFunds Asia 30 Index, created by ProFund Advisors, is composed of 30 companies whose principal offices are located in the Asia/Pacific region, excluding Japan, and whose securities are traded on U.S. exchanges or on the NASDAQ as depository receipts or ordinary shares. ProFund VP Japan: seeks daily investment results, before fees and expenses, that correspond to the daily performance of the Nikkei 225 Stock Average. Since the Japanese markets are not open when ProFund VP Japan values its shares, ProFund VP Japan determines its success in meeting this investment objective by comparing its daily return on a given day with the daily performance of related futures contracts traded in the United States related to the Nikkei 225 Stock Average. ProFund VP Banks: seeks daily investment results, before fees and expenses, that correspond to the daily performance of the Dow Jones U.S. Banks Index. The Dow Jones U.S. Banks Index measures the performance of the banking industry portion of the U.S. equity market. ProFund VP Basic Materials: seeks daily investment results, before fees and expenses, that correspond to the daily performance of the Dow Jones U.S. Basic Materials Sector Index. The Dow Jones U.S. Basic Materials Sector Index measures the performance of the basic materials economic sector of the U.S. equity market. ProFund VP Biotechnology: seeks daily investment results, before fees and expenses, that correspond to the daily performance of the Dow Jones U.S. Biotechnology Index. The Dow Jones U.S. Biotechnology Index measures the performance of the biotechnology industry portion of the U.S. equity market. ProFund VP Consumer Services (formerly ProFund VP Consumer Cyclical): seeks daily investment results, before fees and expenses, that correspond to the daily performance of the Dow Jones U.S. Consumer Services Index. The Dow Jones U.S. Consumer Services Index measures the performance of consumer spending in the services industry of the U.S. equity market. PORTFOLIO ADVISOR/ SUB-ADVISOR ProFund Advisors LLC ProFund Advisors LLC ProFund Advisors LLC ProFund Advisors LLC ProFund Advisors LLC ProFund Advisors LLC Contract described herein is no longer available for sale. ProFund Advisors LLC 22
STYLE/ TYPE Specialty Specialty Specialty Specialty Specialty Specialty Specialty Specialty INVESTMENT OBJECTIVES/POLICIES ProFund VP Consumer Goods (formerly ProFund VP Consumer Non- Cyclical): seeks daily investment results, before fees and expenses, that correspond to the daily performance of the Dow Jones U.S. Consumer Goods Index. The Dow Jones U.S. Consumer Goods Index measures the performance of consumer spending in the goods industry of the U.S. equity market. ProFund VP Oil & Gas (formerly ProFund VP Energy): seeks daily investment results, before fees and expenses, that correspond to the daily performance of the Dow Jones U.S. Oil & Gas Index. The Dow Jones U.S. Oil & Gas Sector Index measures the performance of the energy sector of the U.S. equity market. ProFund VP Financials (formerly ProFund VP Financial): seeks daily investment results, before fees and expenses, that correspond to the daily performance of the Dow Jones U.S. Financials Sector Index. The Dow Jones U.S. Financials Sector Index measures the performance of the financial services economic sector of the U.S. equity market. ProFund VP Health Care (formerly ProFund VP Healthcare): seeks daily investment results, before fees and expenses, that correspond to the daily performance of the Dow Jones U.S. Health Care Index. The Dow Jones U.S. Health Care Index measures the performance of the healthcare economic sector of the U.S. equity market. ProFund VP Industrials (formerly ProFund VP Industrial): seeks daily investment results, before fees and expenses, that correspond to the daily performance of the Dow Jones U.S. Industrials Index. The Dow Jones U.S. Industrials Index measures the performance of the industrial economic sector of the U.S. equity market. ProFund VP Internet: seeks daily investment results, before fees and expenses, that correspond to the daily performance of the Dow Jones Composite Internet Index. The Dow Jones Composite Internet Index measures the performance of stocks in the U.S. equity markets that generate the majority of their revenues from the Internet. ProFund VP Pharmaceuticals: seeks daily investment results, before fees and expenses, that correspond to the daily performance of the Dow Jones U.S. Pharmaceuticals Index. The Dow Jones U.S. Pharmaceuticals Index measures the performance of the pharmaceuticals industry portion of the U.S. equity market. ProFund VP Precious Metals: seeks daily investment results, before fees and expenses, that correspond to the daily performance of the Dow Jones Precious Metals Index. The Dow Jones Precious Metals Index measures the performance of the precious metals mining industry. PORTFOLIO ADVISOR/ SUB-ADVISOR ProFund Advisors LLC ProFund Advisors LLC ProFund Advisors LLC ProFund Advisors LLC ProFund Advisors LLC ProFund Advisors LLC ProFund Advisors LLC Contract described herein is no longer available for sale. ProFund Advisors LLC AMERICAN SKANDIA STAGECOACH XTRA CREDIT <strong>SIX</strong> PROSPECTUS 23
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 and 24: STYLE/ TYPE Fixed Income Fixed Inco
Page 25: STYLE/ TYPE Mid Cap Growth Specialt
Page 29 and 30: STYLE/ TYPE Specialty Specialty Spe
Page 31 and 32: STYLE/ TYPE Specialty Specialty Lar
Page 33 and 34: STYLE/ TYPE Specialty Specialty Spe
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
Page 75 and 76: • Where allowed by law, we reserv
Page 77 and 78:
greater than the Protected Withdraw
Page 79 and 80:
• Remaining Annual Withdrawal Amo
Page 81 and 82:
may terminate the program at any ti
Page 83 and 84:
Calculation of Enhanced Beneficiary
Page 85 and 86:
of either joint Owner or the Annuit
Page 87 and 88:
AMERICAN SKANDIA’S ANNUITY REWARD
Page 89 and 90:
of a decree of a court of competent
Page 91 and 92:
stances beyond our control, our off
Page 93 and 94:
Tax Considerations The tax consider
Page 95 and 96:
exemptions unless you designate a d
Page 97 and 98:
SEPs. SEPs are a variation on a sta
Page 99 and 100:
ERISA Disclosure/Requirements ERISA
Page 101 and 102:
Corporation Variable Account B, als
Page 103 and 104:
In addition, the investment adviser
Page 105 and 106:
facsimile, Internet or any other el
Page 107 and 108:
Appendix A — Condensed Financial
Page 109 and 110:
Year Ended December 31, Sub-account
Page 111 and 112:
Page 113 and 114:
Page 115 and 116:
Page 117 and 118:
Page 119 and 120:
Page 121 and 122:
Page 123 and 124:
Page 125 and 126:
Page 127 and 128:
Page 129 and 130:
Page 131 and 132:
Page 133 and 134:
Page 135 and 136:
Page 137 and 138:
Page 139 and 140:
Page 141 and 142:
Page 143 and 144:
Page 145 and 146:
Page 147 and 148:
Page 149 and 150:
Page 151 and 152:
Page 153 and 154:
Page 155 and 156:
Page 157 and 158:
1. Effective May 2, 2005 the name o
Page 159 and 160:
Appendix B — Calculation of Optio
Page 161 and 162:
Highest Anniversary Value = $90,000
Page 163 and 164:
Example with withdrawals Assume tha
Page 165 and 166:
Appendix C — Additional Informati
Page 167 and 168:
PLEASE SEND ME A STATEMENT OF ADDIT
Page 169 and 170:
NOTES Contract described herein is
Page 171 and 172:
NOTES Contract described herein is
Page 173 and 174:
IRA Disclosure Statement This state
Page 175 and 176:
the 10% penalty unless the excess c
Page 177 and 178:
AMERICAN SKANDIA’S PRIVACY POLICY
show all

Stagecoach XTra Credit SIX - Prudential Annuities

Create successful ePaper yourself

Delete template?

Save as template?