Stagecoach Flex - Prudential Annuities

American Skandia does not guarantee access to telephonic, facsimile, Internet or any other electronic information or that we will beable to accept transaction instructions via such means at all times. Regular and/or express mail will be the only means by which wewill accept transaction instructions when telephonic, facsimile, Internet or any other electronic means are unavailable or delayed.American Skandia reserves the right to limit, restrict or terminate telephonic, facsimile, Internet or any other electronic transactionprivileges at any time.INDEMNIFICATIONInsofar as indemnification for liabilities arising under the Securities Act of 1933 (the "Securities Act") may be permitted to directors,officers or persons controlling the registrant pursuant to the foregoing provisions, the registrant has been informed that in the opinionof the SEC such indemnification is against public policy as expressed in the Securities Act and is therefore unenforceable.LEGAL PROCEEDINGSAs of the date of this Prospectus, American Skandia and its affiliates are not involved in any legal proceedings outside of the ordinarycourse of business. American Skandia and its affiliates are involved in pending and threatened legal proceedings in the normal courseof its business, however, we do not anticipate that the outcome of any such legal proceedings will have a material adverse affect on theSeparate Account, or American Skandia's ability to meet its obligations under the Annuity, or on the distribution of the Annuity.CONTENTS OF THE STATEMENT OF ADDITIONAL INFORMATIONThe following are the contents of the Statement of Additional Information:General Information about American Skandia• American Skandia Life Assurance Corporation• American Skandia Life Assurance Corporation Variable Account B• American Skandia Life Assurance Corporation Separate Account DPrincipal Underwriter/Distributor – American Skandia Marketing, IncorporatedHow Performance Data is Calculated• Current and Effective Yield• Total ReturnHow the Unit Price is DeterminedAdditional Information on Fixed Allocations• How We Calculate the Market Value AdjustmentGeneral Information• Voting Rights• Modification• Deferral of Transactions• Misstatement of Age or Sex• Ending the OfferAnnuitizationIndependent AuditorsLegal ExpertsContract described herein is no longer available for sale.Financial Statements• Appendix A – American Skandia Life Assurance Corporation Variable Account B45