Stagecoach XTra Credit SIX - Prudential Annuities

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Investment Options continued AMERICAN SKANDIA STAGECOACH XTRA CREDIT <strong>SIX</strong> PROSPECTUS STYLE/ TYPE Specialty Specialty Specialty Specialty Specialty Specialty Specialty INVESTMENT OBJECTIVES/POLICIES ProFund VP Real Estate: seeks daily investment results, before fees and expenses, that correspond to the daily performance of the Dow Jones U.S. Real Estate Index. The Dow Jones U.S. Real Estate Index measures the performance of the real estate industry portion of the U.S. equity market. ProFund VP Semiconductor: seeks daily investment results, before fees and expenses, that correspond to the daily performance of the Dow Jones U.S. Semiconductor Index. The Dow Jones U.S. Semiconductor Index measures the performance of the semiconductor industry portion of the U.S. equity market. ProFund VP Technology: seeks daily investment results, before fees and expenses, that correspond to the daily performance of the Dow Jones U.S. Technology Sector Index. The Dow Jones U.S. Technology Sector Index measures the performance of the technology sector of the U.S. equity market. ProFund VP Telecommunications: seeks daily investment results, before fees and expenses, that correspond to the daily performance of the Dow Jones U.S. Telecommunications Sector Index. The Dow Jones U.S. Telecommunications Sector Index measures the performance of the telecommunications economic sector of the U.S. equity market. ProFund VP Utilities: seeks daily investment results, before fees and expenses, that correspond to the daily performance of the Dow Jones U.S. Utilities Sector Index. The Dow Jones U.S. Utilities Sector Index measures the performance of the utilities economic sector of the U.S. equity market. ProFund VP Bull: seeks daily investment results, before fees and expenses, that correspond to the daily performance of the S&P 500 T Index. ProFund VP Bear: seeks daily investment results, before fees and expenses, that correspond to the inverse (opposite) of the daily performance of the S&P 500 T Index. If ProFund VP Bear is successful in meeting its objective, its net asset value should gain approximately the same, on a percentage basis, as any decrease in the S&P 500 T Index when the Index declines on a given day. Conversely, its net asset value should lose approximately the same, on a percentage basis, as any increase in the Index when the Index rises on a given day. 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. 24
STYLE/ TYPE Specialty Specialty Specialty Specialty Mid Cap Value INVESTMENT OBJECTIVES/POLICIES ProFund VP UltraBull: seeks daily investment results, before fees and expenses, that correspond to twice (200%) the daily performance of the S&P 500 T Index. Prior to May 1, 2003, ProFund VP UltraBull was named “ProFund VP Bull Plus” and sought daily investment results that corresponded to one and one-half times (150%) the daily performance of the S&P 500 T Index. If ProFund VP UltraBull is successful in meeting its objective, its net asset value should gain approximately twice as much, on a percentage basis, as the S&P 500 T Index when the Index rises on a given day. Conversely, its net asset value should lose approximately twice as much, on a percentage basis, as the Index when the Index declines on a given day. ProFund VP OTC: seeks daily investment results, before fees and expenses, that correspond to the daily performance of the NASDAQ-100 Index T . “OTC” in the name of ProFund VP OTC refers to securities that do not trade on a U.S. securities exchange registered under the Securities Exchange Act of 1934. ProFund VP Short OTC: seeks daily investment results, before fees and expenses, that correspond to the inverse (opposite) of the daily performance of the NASDAQ-100 Index T . If ProFund VP Short OTC is successful in meeting its objective, its net asset value should gain approximately the same, on a percentage basis, as any decrease in the NASDAQ-100 Index T when the Index declines on a given day. Conversely, its net asset value should lose approximately the same, on a percentage basis, as any increase in the Index when the Index rises on a given day. “OTC” in the name of ProFund VP Short OTC refers to securities that do not trade on a U.S. securities exchange registered under the Securities Exchange Act of 1934. ProFund VP UltraOTC: seeks daily investment results, before fees and expenses, that correspond to twice (200%) the daily performance of the NASDAQ-100 Index T . If ProFund VP UltraOTC is successful in meeting its objective, its net asset value should gain approximately twice as much, on a percentage basis, as the NASDAQ-100 Index T when the Index rises on a given day. Conversely, its net asset value should lose approximately twice as much, on a percentage basis, as the Index when the Index declines on a given day. “OTC” in the name of ProFund VP UltraOTC refers to securities that do not trade on a U.S. securities exchange registered under the Securities Exchange Act of 1934. ProFund VP Mid-Cap Value: seeks daily investment results, before fees and expenses, that correspond to the daily performance of the S&P MidCap 400/Barra Value Index T . The S&P MidCap400/Barra Value Index T is a float adjusted market capitalization weighted index comprised of the stocks in the S&P MidCap 400 Index that have comparatively low priceto-book ratios as determined before each semiannual rebalance date. PORTFOLIO ADVISOR/ SUB-ADVISOR 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 25
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 and 26: STYLE/ TYPE Mid Cap Growth Specialt
Page 27: 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
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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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