Stagecoach XTra Credit SIX - Prudential Annuities

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AMERICAN SKANDIA STAGECOACH XTRA CREDIT <strong>SIX</strong> PROSPECTUS Summary of Contract Fees and Charges Below is a summary of the fees and charges for the Annuity. Some fees and charges are assessed against your Annuity while others are assessed against assets allocated to the variable investment options. The fees and charges that are assessed against the Annuity include the Contingent Deferred Sales Charge, Transfer Fee, Tax Charge and Annual Maintenance Fee. The charges that are assessed against the variable investment options are the mortality and expense risk charge, the charge for administration of the Annuity, the Distribution Charge and the charge for certain optional benefits you elect, other than the Guaranteed Minimum Income Benefit, which is assessed against the Protected Income Value. Each underlying mutual fund portfolio assesses a charge for investment management, other expenses and with some mutual funds, a 12b-1 charge. The prospectus for each underlying mutual fund provides more detailed information about the expenses for the underlying mutual funds. The following table provides a summary of the fees and charges you will pay if you surrender the Annuity or transfer Account Value among investment options. These fees and charges are described in more detail within this Prospectus. YOUR TRANSACTION FEES AND CHARGES (ASSESSED AGAINST THE ANNUITY) FEE/CHARGE AMOUNT DEDUCTED Contingent Deferred Sales Charge* 9.0% The charge is a percentage of each applicable Purchase Payment deducted upon surrender or withdrawal. The period during which a particular percentage applies is measured from the Issue Date of the Annuity. Transfer Fee $10 (currently, $15 maximum) (Currently, we deduct the fee after the 20 th transfer each Annuity Year. We guarantee that the number of charge free transfers per Annuity Year will never be less than 8.) Tax Charge Up to 3.5% of the value that is annuitized, depending on the requirements of the applicable jurisdiction. This charge is deducted generally at the time you annuitize your contract. * The following are the Contingent Deferred Sales Charges (as a percentage of each applicable Purchase Payment) upon surrender or withdrawal. For purposes of calculating this charge we consider the year following the Issue Date of your Annuity as Year 1. Contract described herein is no longer available for sale. Yr. 1 Yr. 2 Yr. 3 Yr. 4 Yr. 5 Yr. 6 Yr. 7 Yr. 8 Yr. 9 Yr. 10 Yr. 11+ 9.0% 9.0% 8.5% 8.0% 7.0% 6.0% 5.0% 4.0% 3.0% 2.0% 0.0% 4
The following table provides a summary of the periodic fees and charges you will pay while you own the Annuity, excluding the underlying mutual fund Portfolio annual expenses. These fees and charges are described in more detail within this Prospectus. YOUR PERIODIC FEES AND CHARGES ANNUAL FEES/CHARGES ASSESSED AGAINST THE ANNUITY Annual Maintenance Fee FEE/CHARGE ANNUAL FEES/CHARGES OF THE SUB-ACCOUNT 1 (AS A PERCENTAGE OF THE AVERAGE DAILY NET ASSETS OF THE SUB-ACCOUNTS) FEE/CHARGE AMOUNT DEDUCTED Smaller of $35 or 2% of Account Value (Assessed annually on the Annuity’s anniversary date or upon surrender) AMOUNT DEDUCTED Mortality & Expense Risk Charge 2 0.50% Administration Charge 2 0.15% Distribution Charge 3 1.00% in Annuity Years 1–10 Settlement Service Charge 4 Total Annual Charges of the Sub-accounts 1.40% per year of the value of each Sub-account if the Owner’s beneficiary elects the Qualified Beneficiary Continuation Option 5 (“Qualified BCO”) 1.65% per year of the value of each Sub-account in Annuity Years 1–10; 0.65% in Annuity Years 11 and later (1.40% per year if you are a beneficiary electing the Qualified BCO) 1: These charges are deducted daily and apply to Variable Investment Options only. 2: The combination of the Mortality and Expense Risk Charge and Administration Charge is referred to as the “Insurance Charge” elsewhere in this Prospectus. 3: The Distribution Charge in Annuity Years 11+ is 0.00%. 4: The Mortality & Expense Risk Charge, the Administration Charge and the Distribution Charge do not apply if you are a beneficiary under the Qualified Beneficiary Continuation Option. The Settlement Service Charge applies only if your beneficiary elects the Qualified Beneficiary Continuation Option. 5: When an Annuity is used as an IRA, 403(b) or other “qualified investment”, upon the Owner’s death a beneficiary may generally elect to continue the Annuity and receive Minimum Distributions under the Annuity instead of receiving the death benefit in a single payment. If a beneficiary elects this option, the beneficiary will incur the Settlement Service Charge. Please refer to the section of this Prospectus that describes the Qualified Beneficiary Continuation Option for more detailed information about this option, including certain restrictions and limitations that may apply. Contract described herein is no longer available for sale. AMERICAN SKANDIA STAGECOACH XTRA CREDIT <strong>SIX</strong> PROSPECTUS 5
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: Glossary of Terms Many terms used w
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 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
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Living Benefit Programs DO YOU OFFE
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guaranteed amount based on your cur
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If a significant amount of your Acc
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GUARANTEED RETURN OPTION (GRO) The
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Special Considerations under the Gu
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The GMWB program does not affect yo
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Termination of the Program The prog
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• 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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