403_b_ Sticker - Prudential Annuities

GUARANTEED RETURN OPTION PLUS SM (GRO PLUS SM ) ................................................ 48GUARANTEED RETURN OPTION (GRO) ............................................................. 52GUARANTEED MINIMUM WITHDRAWAL BENEFIT (GMWB) ........................................... 54GUARANTEED MINIMUM INCOME BENEFIT (GMIB) .................................................. 58LIFETIME FIVE INCOME BENEFIT (LIFETIME FIVE) ................................................... 61SPOUSAL LIFETIME FIVE SM INCOME BENEFIT (SPOUSAL LIFETIME FIVE) ................................ 66HIGHEST DAILY LIFETIME FIVE SM INCOME BENEFIT (HIGHEST DAILY LIFETIME FIVE) .................... 70DEATH BENEFIT .................................................................................. 77WHAT TRIGGERS THE PAYMENT OF A DEATH BENEFIT? .............................................. 77BASIC DEATH BENEFIT .......................................................................... 77OPTIONAL DEATH BENEFITS ..................................................................... 77PAYMENT OF DEATH BENEFITS ................................................................... 81VALUING YOUR INVESTMENT ...................................................................... 84HOW IS MY ACCOUNT VALUE DETERMINED? ....................................................... 84WHAT IS THE SURRENDER VALUE OF MYANNUITY? ................................................ 84HOW AND WHEN DO YOU VALUE THE SUB-ACCOUNTS? . ............................................. 84HOW DO YOU VALUE FIXED ALLOCATIONS? ....................................................... 84WHEN DO YOU PROCESS AND VALUE TRANSACTIONS? .............................................. 84WHAT HAPPENS TO MY UNITS WHEN THERE IS ACHANGE INDAILY ASSET-BASED CHARGES? ............ 85TAX CONSIDERATIONS ............................................................................ 86GENERAL INFORMATION .......................................................................... 94HOW WILL I RECEIVE STATEMENTS AND REPORTS? ................................................. 94WHO IS AMERICAN SKANDIA? . ................................................................... 94WHAT ARE SEPARATE ACCOUNTS? ................................................................ 94WHAT IS THE LEGAL STRUCTURE OF THE UNDERLYING FUNDS? ...................................... 95WHO DISTRIBUTES ANNUITIES OFFERED BY AMERICAN SKANDIA? .................................... 97INCORPORATION OF CERTAIN DOCUMENTS BY REFERENCE . ......................................... 97FINANCIAL STATEMENTS ........................................................................ 97HOW TOCONTACT US ........................................................................... 98INDEMNIFICATION .............................................................................. 98LEGAL PROCEEDINGS . .......................................................................... 98CONTENTS OF THE STATEMENT OF ADDITIONAL INFORMATION ...................................... 99APPENDIX A - CONDENSED FINANCIAL INFORMATION ABOUT SEPARATE ACCOUNT B . ....................A-1APPENDIX B - CALCULATION OF OPTIONAL DEATH BENEFITS ..........................................B-1APPENDIX C-1 - ADVISOR’S CHOICE PRIOR CONTRACT .................................................C-1APPENDIX C-2 - ADVISOR’S DESIGN PRIOR CONTRACT .................................................C-3APPENDIX D - PERFORMANCE ADVANTAGE . .........................................................D-1APPENDIX E - PLUS40 OPTIONAL LIFE INSURANCE RIDER .............................................E-1APPENDIX F - DESCRIPTION AND CALCULATION OF PREVIOUSLY OFFERED OPTIONAL DEATH BENEFITS .....F-1APPENDIX G - ADDITIONAL INFORMATION ON ASSET ALLOCATION PROGRAMS ..........................G-1APPENDIX H - ASSET TRANSFER FORMULA UNDER HIGHEST DAILY LIFETIME FIVE INCOME BENEFIT ........H-1APPENDIX I - ANNUITIES APPROVED FOR SALE BY THE NEW YORK STATE INSURANCE DEPARTMENT ....... I-1(ii)