Stagecoach XTra Credit SIX - Prudential Annuities

Contents
What Types of Annuity Options Are Available? ............................................ 51
How and When Do I Choose the Annuity Payment Option? ................................. 52
How Are Annuity Payments Calculated? .................................................. 52
Living Benefit Programs ................................................................ 55
Do You Offer Programs Designed to Provide Investment Protection for Owners While They
Are Alive? ......................................................................... 55
Guaranteed Return Option Plus sm (GRO Plus sm ) ............................................ 56
Guaranteed Return Option (GRO) ......................................................... 61
Guaranteed Minimum Withdrawal Benefit (GMWB) ........................................ 63
Guaranteed Minimum Income Benefit (GMIB) .............................................. 67
Lifetime Five Income Benefit (Lifetime Five) ................................................ 72
Death Benefit .......................................................................... 78
What Triggers the Payment of a Death Benefit? ........................................... 78
Basic Death Benefit .................................................................... 78
Optional Death Benefits ................................................................ 78
American Skandia’s Annuity Rewards .................................................... 83
Payment of Death Benefits .............................................................. 83
Valuing Your Investment ................................................................ 86
How is My Account Value Determined? .................................................. 86
What is the Surrender Value of My Annuity? ............................................. 86
How and When Do You Value the Sub-Accounts? ......................................... 86
How Do You Value Fixed Allocations? .................................................... 86
When Do You Process and Value Transactions? ............................................ 86
What Happens to My Units When There is a Change in Daily Asset-Based Charges? .......... 88
Tax Considerations ..................................................................... 89
General Information .................................................................... 96
How Will I Receive Statements and Reports? ............................................. 96
Who is American Skandia? ............................................................. 96
What are Separate Accounts? ........................................................... 96
What is the Legal Structure of the Underlying Funds? ...................................... 98
Who Distributes Annuities Offered by American Skandia? .................................. 99
Incorporation of Certain Documents by Reference .......................................... 100
Financial Statements ................................................................... 100
How to Contact Us .................................................................... 100
Indemnification ........................................................................ 101
Legal Proceedings ..................................................................... 101
Contents of the Statement of Additional Information ....................................... 101
Appendix A — Condensed Financial Information About Separate Account B .......... A-1
Appendix B — Calculation of Optional Death Benefits ................................. B-1
Appendix C — Additional Information on Asset Allocation Programs .................. C-1
Contract described herein is no longer available for sale.
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