403_b_ Sticker - Prudential Annuities

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UNDERLYING MUTUAL FUND PORTFOLIO ANNUAL EXPENSESUNDERLYING PORTFOLIO(as a percentage of the average net assets of the underlying Portfolios)ManagementFeeOtherExpenses 112b-1 FeeAcquiredPortfolioFees &ExpensesTotalAnnualPortfolioOperatingExpensesAdvanced Series Trust 3AST Advanced Strategies 0.85% 0.24% 0.00% 0.00% 1.09%AST Aggressive Asset Allocation 2 0.15% 0.05% 0.00% 0.99% 1.19%AST AllianceBernstein Core Value 0.75% 0.14% 0.00% 0.00% 0.89%AST AllianceBernstein Growth & Income 0.75% 0.11% 0.00% 0.00% 0.86%AST AllianceBernstein Managed Index 500 0.60% 0.14% 0.00% 0.00% 0.74%AST American Century Income & Growth 0.75% 0.15% 0.00% 0.00% 0.90%AST American Century Strategic Allocation 4 0.85% 0.21% 0.00% 0.00% 1.06%AST Balanced Asset Allocation 2 0.15% 0.02% 0.00% 0.90% 1.07%AST Capital Growth Asset Allocation 2 0.15% 0.02% 0.00% 0.95% 1.12%AST Cohen & Steers Realty Portfolio 1.00% 0.13% 0.00% 0.00% 1.13%AST Conservative Asset Allocation 2 0.15% 0.04% 0.00% 0.89% 1.08%AST DeAM Large-Cap Value 0.85% 0.15% 0.00% 0.00% 1.00%AST DeAM Small-Cap Value 0.95% 0.23% 0.00% 0.00% 1.18%AST Federated Aggressive Growth 0.95% 0.14% 0.00% 0.00% 1.09%AST First Trust Balanced Target 0.85% 0.21% 0.00% 0.00% 1.06%AST First Trust Capital Appreciation Target 0.85% 0.19% 0.00% 0.00% 1.04%AST Goldman Sachs Concentrated Growth 0.90% 0.13% 0.00% 0.00% 1.03%AST Goldman Sachs Mid-Cap Growth 1.00% 0.15% 0.00% 0.00% 1.15%AST Goldman Sachs Small-Cap Value 0.95% 0.18% 0.00% 0.00% 1.13%AST High Yield 5 0.75% 0.15% 0.00% 0.00% 0.90%AST International Growth 6 1.00% 0.15% 0.00% 0.00% 1.15%AST International Value 7 1.00% 0.13% 0.00% 0.00% 1.13%AST JPMorgan International Equity 0.87% 0.16% 0.00% 0.00% 1.03%AST Large-Cap Value 0.75% 0.11% 0.00% 0.00% 0.86%AST Lord Abbett Bond-Debenture 0.80% 0.14% 0.00% 0.00% 0.94%AST Marsico Capital Growth 0.90% 0.11% 0.00% 0.00% 1.01%AST MFS Global Equity 1.00% 0.25% 0.00% 0.00% 1.25%AST MFS Growth 0.90% 0.13% 0.00% 0.00% 1.03%AST Mid-Cap Value 0.95% 0.21% 0.00% 0.00% 1.16%AST Money Market 0.50% 0.11% 0.00% 0.00% 0.61%AST Neuberger Berman Mid-Cap Growth 0.90% 0.14% 0.00% 0.00% 1.04%AST Neuberger Berman Mid-Cap Value 0.89% 0.11% 0.00% 0.00% 1.00%AST Neuberger Berman Small-Cap Growth 8 0.95% 0.16% 0.00% 0.00% 1.11%AST PIMCO Limited Maturity Bond 0.65% 0.12% 0.00% 0.00% 0.77%AST PIMCO Total Return Bond 0.65% 0.12% 0.00% 0.00% 0.77%AST Preservation Asset Allocation 2 0.15% 0.08% 0.00% 0.82% 1.05%AST Small-Cap Growth 0.90% 0.18% 0.00% 0.00% 1.08%AST Small-Cap Value 9 0.90% 0.13% 0.00% 0.00% 1.03%AST T. Rowe Price Asset Allocation 0.85% 0.14% 0.00% 0.00% 0.99%AST T. Rowe Price Global Bond 0.80% 0.16% 0.00% 0.00% 0.96%AST T. Rowe Price Large-Cap Growth 0.90% 0.11% 0.00% 0.00% 1.01%AST T. Rowe Price Natural Resources Portfolio 0.90% 0.13% 0.00% 0.00% 1.03%AST UBS DynamicAlpha 10 1.00% 0.21% 0.00% 0.00% 1.21%AIM Variable Insurance Funds 11AIM V.I. Dynamics Fund - Series I shares 12 0.75% 0.38% 0.00% 0.01% 1.14%AIM V.I. Financial Services Fund - Series I shares 0.75% 0.37% 0.00% 0.01% 1.13%AIM V.I. Global Health Care Fund - Series I shares 13 0.75% 0.35% 0.00% 0.01% 1.11%AIM V.I. Technology Fund - Series I shares 0.75% 0.37% 0.00% 0.00% 1.12%8
UNDERLYING MUTUAL FUND PORTFOLIO ANNUAL EXPENSESUNDERLYING PORTFOLIO(as a percentage of the average net assets of the underlying Portfolios)ManagementFeeOtherExpenses 112b-1 FeeAcquiredPortfolioFees &ExpensesTotalAnnualPortfolioOperatingExpensesEvergreen Variable Annuity TrustGrowth 0.69% 0.19% 0.00% 0.01% 0.89%International Equity 0.40% 0.28% 0.00% 0.00% 0.68%Omega 0.52% 0.18% 0.00% 0.01% 0.71%First Defined Portfolio Fund, LLC 14, 15First Trust ® 10 Uncommon Values 0.60% 0.94% 0.25% 0.00% 1.79%Global Dividend Target 15 0.60% 0.62% 0.25% 0.00% 1.47%NASDAQ ® Target 15 0.60% 0.99% 0.25% 0.00% 1.84%S&P ® Target 24 0.60% 0.71% 0.25% 0.00% 1.56%Target Managed VIP 0.60% 0.52% 0.25% 0.00% 1.37%The Dow Target Dividend 0.60% 0.52% 0.25% 0.00% 1.37%The Dow sm DART 10 0.60% 0.62% 0.25% 0.00% 1.47%Value Line ® Target 25 0.60% 0.56% 0.25% 0.00% 1.41%Gartmore Variable Insurance Trust 16GVIT Developing Markets 1.05% 0.35% 0.25% 0.00% 1.65%ProFund VP 17Access VP High Yield 0.75% 0.94% 0.25% 0.00% 1.94%Asia 30 0.75% 0.66% 0.25% 0.00% 1.66%Banks 0.75% 0.77% 0.25% 0.00% 1.77%Basic Materials 0.75% 0.73% 0.25% 0.00% 1.73%Bear 0.75% 0.69% 0.25% 0.00% 1.69%Biotechnology 0.75% 0.77% 0.25% 0.00% 1.77%Bull 0.75% 0.67% 0.25% 0.00% 1.67%Consumer Goods 0.75% 0.84% 0.25% 0.00% 1.84%Consumer Services 0.75% 1.16% 0.25% 0.00% 2.16%Europe 30 0.75% 0.65% 0.25% 0.00% 1.65%Financials 0.75% 0.72% 0.25% 0.00% 1.72%Health Care 0.75% 0.72% 0.25% 0.00% 1.72%Industrials 0.75% 0.87% 0.25% 0.00% 1.87%Internet 0.75% 0.74% 0.25% 0.00% 1.74%Japan 0.75% 0.66% 0.25% 0.00% 1.66%Large-Cap Growth 0.75% 0.71% 0.25% 0.00% 1.71%Large-Cap Value 0.75% 0.70% 0.25% 0.00% 1.70%Mid-Cap Growth 0.75% 0.71% 0.25% 0.00% 1.71%Mid-Cap Value 0.75% 0.71% 0.25% 0.00% 1.71%Oil & Gas 0.75% 0.70% 0.25% 0.00% 1.70%OTC 0.75% 0.67% 0.25% 0.00% 1.67%Pharmaceuticals 0.75% 0.72% 0.25% 0.00% 1.72%Precious Metals 0.75% 0.68% 0.25% 0.00% 1.68%Real Estate 0.75% 0.72% 0.25% 0.00% 1.72%Rising Rates Opportunity 0.75% 0.61% 0.25% 0.00% 1.61%Semiconductor 0.75% 0.81% 0.25% 0.00% 1.81%Short Mid-Cap 0.75% 0.80% 0.25% 0.00% 1.80%Short OTC 0.75% 0.67% 0.25% 0.00% 1.67%Short Small-Cap 0.75% 0.66% 0.25% 0.00% 1.66%Small-Cap Growth 0.75% 0.71% 0.25% 0.00% 1.71%Small-Cap Value 0.75% 0.74% 0.25% 0.00% 1.74%Technology 0.75% 0.74% 0.25% 0.00% 1.74%Telecommunications 0.75% 0.71% 0.25% 0.00% 1.71%U.S. Government Plus 0.50% 0.62% 0.25% 0.00% 1.37%UltraBull 0.75% 0.72% 0.25% 0.00% 1.72%UltraMid-Cap 0.75% 0.70% 0.25% 0.00% 1.70%UltraOTC 0.75% 0.69% 0.25% 0.00% 1.69%UltraSmall-Cap 0.75% 0.67% 0.25% 0.00% 1.67%Utilities 0.75% 0.71% 0.25% 0.00% 1.71%9
Page 1 and 2: AMERICAN SKANDIA LIFE ASSURANCE COR
Page 3 and 4: AMERICAN SKANDIA LIFE ASSURANCE COR
Page 5 and 6: CONTENTSINTRODUCTION ..............
Page 7 and 8: INTRODUCTIONWHY WOULD I CHOOSE TO P
Page 9 and 10: Guarantee PeriodA period of time du
Page 11 and 12: SUMMARY OF CONTRACT FEES AND CHARGE
Page 13: The following are the total annual
Page 17 and 18: Fund, LLC that allows First Trust t
Page 19 and 20: INVESTMENT OPTIONSWHAT ARE THE INVE
Page 21 and 22: STYLE/TYPEASSETALLOCA-TION/BALANCED
Page 23 and 24: STYLE/TYPEASSETALLOCA-TION/BALANCED
Page 25 and 26: STYLE/TYPEINTER-NATIONALEQUITYLARGE
Page 27 and 28: STYLE/TYPESPECIALTYASSETALLOCA-TION
Page 29 and 30: STYLE/TYPESPECIALTYSPECIALTYSPECIAL
Page 31 and 32: STYLE/TYPESPECIALTYSPECIALTYINVESTM
Page 33 and 34: STYLE/TYPEINVESTMENT OBJECTIVES/POL
Page 35 and 36: STYLE/TYPESPECIALTYSPECIALTYSPECIAL
Page 37 and 38: een passed on by the Corporations a
Page 39 and 40: combination of the Mortality & Expe
Page 41 and 42: MANAGING YOUR ANNUITYMAY I CHANGE T
Page 43 and 44: MANAGING YOUR ACCOUNT VALUEHOW AND
Page 45 and 46: DO YOU OFFER DOLLAR COST AVERAGING?
Page 47 and 48: advisor has also acted as your Fina
Page 49 and 50: Example of Positive MVAAssume that
Page 51 and 52: certain required information in wri
Page 53 and 54: the first annuity payment is determ
Page 55 and 56: Key Feature - Protected Principal V
Page 57 and 58: Allocations in support of the Prote
Page 59 and 60: e transferred to or from the Fixed
Page 61 and 62: and amount of withdrawals. The prog
Page 63 and 64: Other Important Considerations▪ W
Page 65 and 66:
▪▪▪▪The Maximum Protected I
Page 67 and 68:
▪▪Annuity payments madeunder th
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If you elected theLifetime Five pro
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BENEFITS UNDER THE LIFETIME FIVE PR
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We offer a program that guarantees
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We must receive your request inafor
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your life, provided that you have n
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Annual Income Amount will be steppe
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If the sum of (a) and (b) is greate
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DEATH BENEFITWHAT TRIGGERS THE PAYM
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Combination 5% Roll-up and Highest
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Annuities with Joint OwnersFor Annu
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In addition to the materials refere
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financial transactions involving pu
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After the full amount of your Purch
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CONTRACTS HELD BY TAX FAVORED PLANS
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In any event, you must begin receiv
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waive that right, in writing. Gener
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Separate Account BDuring the accumu
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WHO DISTRIBUTES ANNUITIESOFFERED BY
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administrative system, all occurred
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AMERICAN SKANDIA ADVISORS CHOICE ®
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Sub-account 2006 2005 2004 2003 200
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Sub-account 2006 2005 2004 2003 200
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Sub-account 2006 2005 2004 2003 200
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Sub-account 2006 2005 2004 2003 200
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Sub-account 2006 2005 2004 2003 200
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Sub-account 2006 2005 2004 2003 200
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Sub-account 2006 2005 2004 2003 200
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Sub-account 2006 2005 2004 2003 200
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Sub-account 2006 2005 2004 2003 200
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Sub-account 2006 2005 2004 2003 200
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Sub-account 2006 2005 2004 2003 200
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APPENDIX B-CALCULATION OF OPTIONAL
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Basic Death Benefit = max [$75,000,
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APPENDIX C-1 - ADVISOR'S CHOICE PRI
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APPENDIX C-2 - ADVISOR'S DESIGN PRI
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APPENDIX D — PERFORMANCE ADVANTAG
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APPENDIX E - PLUS40 OPTIONAL LIFE
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The charge for the Plus40 rider ma
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APPENDIX F - DESCRIPTION AND CALCUL
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If you surrender the Annuity, elect
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APPENDIX G-ADDITIONAL INFORMATION O
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APPENDIXAH - ASSET TRANSFER FORMULA
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Age 65 “a” Factors for Liabilit
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APPENDIX I - ANNUITIES APPROVED FOR
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AMERICAN SKANDIA LIFE ASSURANCE COR
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limit, your contribution is fully d
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If you die before your required beg
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AMERICAN SKANDIA LIFE ASSURANCE COR
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Requirements — You can convert am
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Excess accumulation excise tax —
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FINANCIAL DISCLOSUREAMERICAN SKANDI
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HIGHLIGHTS OF PENSION PROTECTION AC
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PRIVACY NOTICEThis notice is being
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[THIS PAGE INTENTIONALLY LEFT BLANK
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PLEASE SEND ME A STATEMENT OF ADDIT
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403_b_ Sticker - Prudential Annuities

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