Stagecoach XTra Credit SIX - Prudential Annuities

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Investment Options continued AMERICAN SKANDIA STAGECOACH XTRA CREDIT <strong>SIX</strong> PROSPECTUS STYLE/ TYPE Mid Cap Growth Specialty Small Cap Value Small Cap Growth Specialty INVESTMENT OBJECTIVES/POLICIES ProFund VP Mid-Cap Growth: seeks daily investment results, before fees and expenses, that correspond to the daily performance of the S&P MidCap 400/Barra Growth Index T . The S&P MidCap 400/Barra Growth Index T is a float adjusted market capitalization weighted index comprised of the stocks in the S&P MidCap 400 Index T that have comparatively high price-to-book ratios as determined before each semiannual rebalance date. ProFund VP UltraMid-Cap: seeks daily investment results, before fees and expenses, that correspond to twice (200%) the daily performance of the S&P MidCap 400 Index T . If ProFund VP UltraMid-Cap is successful in meeting its objective, its net asset value should gain approximately twice as much, on a percentage basis, as the S&P MidCap 400 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. ProFund VP Small-Cap Value: seeks daily investment results, before fees and expenses, that correspond to the daily performance of the S&P SmallCap 600/Barra Value Index T . The S&P SmallCap 600/Barra Value Index T is a float adjusted market capitalization weighted index comprised of the stocks in the S&P SmallCap 600/Barra Value Index T that have comparatively low price-to-book ratios as determined before each semiannual rebalance date. ProFund VP Small-Cap Growth: seeks daily investment results, before fees and expenses, that correspond to the daily performance of the S&P SmallCap 600/Barra Growth Index T . The S&P SmallCap 600/Barra Growth Index T is a float adjusted market capitalization weighted index comprised of the stocks in the S&P SmallCap 600/Barra Growth Index T that have comparatively high price-to-book ratios as determined before each semiannual rebalance date. ProFund VP UltraSmall-Cap: seeks daily investment results, before fees and expenses, that correspond to twice (200%) the daily performance of the Russell 2000 T Index. If ProFund VP UltraSmall-Cap is successful in meeting its objective, its net asset value should gain approximately twice as much, on a percentage basis, as the Russell 2000 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. PORTFOLIO ADVISOR/ SUB-ADVISOR ProFund Advisors LLC ProFund Advisors LLC ProFund Advisors LLC ProFund Advisors LLC ProFund Advisors LLC Contract described herein is no longer available for sale. 26
STYLE/ TYPE Specialty Specialty Large Cap Growth Large Cap Value Specialty INVESTMENT OBJECTIVES/POLICIES ProFund VP U.S. Government Plus: seeks daily investment results, before fees and expenses, that correspond to one and one-quarter times (125%) the daily price movement of the most recently issued 30-year U.S. Treasury bond (“Long Bond”). In accordance with its stated objective, the net asset value of ProFund VP U.S. Government Plus generally should decrease as interest rates rise. If ProFund VP U.S. Government Plus is successful in meeting its objective, its net asset value should gain approximately one and one-quarter times (125%) as much, on a percentage basis, as any daily increase in the price of the Long Bond on a given day. Conversely, its net asset value should lose approximately one and one-quarter as much, on a percentage basis, as any daily decrease in the price of the Long Bond on a given day. ProFund VP Rising Rates Opportunity: seeks daily investment results, before fees and expenses, that correspond to one and one-quarter times (125%) the inverse (opposite) of the daily price movement of the most recently issued 30-year U.S. Treasury bond (“Long Bond”). In accordance with its stated objective, the net asset value of ProFund VP Rising Rates Opportunity generally should decrease as interest rates fall. If ProFund VP Rising Rates Opportunity is successful in meeting its objective, its net asset value should gain approximately one and one-quarter times as much, on a percentage basis, as any daily decrease in the Long Bond on a given day. Conversely, its net asset value should lose approximately one and one-quarter times as much, on a percentage basis, as any daily increase in the Long Bond on a given day. ProFund VP Large-Cap Growth: seeks daily investment results, before fees and expenses, that correspond to the daily performance of the S&P 500/Barra Growth Index T . The S&P 500/Barra Growth Index is a float adjusted market capitalization weighted index comprised of the stocks in the S&P 500 Index that have comparatively high price-to-book ratios as determined before each semiannual rebalance date. ProFund VP Large-Cap Value: seeks daily investment results, before fees and expenses, that correspond to the daily performance of the S&P 500/Barra Value Index T . The S&P 500/Barra Value Index is a float adjusted market capitalization weighted index comprised of the stocks in the S&P 500 Index that have comparatively low price-to-book ratios as determined before each semiannual rebalance date. ProFund VP Short Small-Cap: seeks daily investment results, before fees and expenses, that correspond to the inverse (opposite) of the daily performance of the Russell 2000 T Index. If ProFund VP Short Small-Cap is successful in meeting its objective, its net asset value should gain approximately the same amount, on a percentage basis, as any decrease in the Russell 2000 Index when the Index declines on a given day. Conversely, its net asset value should lose approximately the same amount, 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 Contract described herein is no longer available for sale. ProFund Advisors LLC AMERICAN SKANDIA STAGECOACH XTRA CREDIT <strong>SIX</strong> PROSPECTUS 27
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 and 28: STYLE/ TYPE Specialty Specialty Spe
Page 29: STYLE/ TYPE Specialty Specialty Spe
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
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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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