XTra Credit FOUR - Prudential Annuities

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The following table provides a summary of the fees and charges you will incur if you elect any of the following optional benefits.These fees and charges are described in more detail within this Prospectus.YOUR OPTIONAL BENEFIT FEES AND CHARGESOPTIONAL BENEFITOPTIONALBENEFIT FEE/CHARGEGUARANTEED RETURN OPTION0.25% of averageWe offer a program that guarantees a "return of premium" at a future date, while daily net assets ofallowing you to allocate all or a portion of your Account Value to the Sub-accounts of the Sub-accountsyour choice.ENHANCED BENEFICIARY PROTECTION DEATH BENEFITWe offer an Optional Death Benefit that provides an enhanced level of protection foryour beneficiary(ies) by providing amounts in addition to the basic Death Benefit thatcan be used to offset federal and state taxes payable on any taxable gains in yourAnnuity at the time of your death.HIGHEST ANNIVERSARY VALUE DEATH BENEFITWe offer an Optional Death Benefit that provides an enhanced level of protection foryour beneficiary(ies) by providing a death benefit equal to the greater of the basicDeath Benefit or the Highest Anniversary Value.0.25% of averagedaily net assets ofthe Sub-accounts0.25% of averagedaily net assets ofthe Sub-accountsTOTAL ANNUALCHARGE*Please refer to the section of the Prospectus that describes each optional benefit for a complete description of the benefit,including any restrictions or limitations that may apply.* The Total Annual Charge includes the Insurance Charge assessed against the Annuity. If you elect more than one optional benefit, the Total Annual Chargeincludes the charge for each optional benefit.The following table provides the range (minimum and maximum) of the total annual expenses for the underlying mutual funds("Portfolios") as of December 31, 2002. Each figure is stated as a percentage of the underlying Portfolio’s average daily net assets.TOTAL ANNUAL PORTFOLIO OPERATING EXPENSESMINIMUMMAXIMUMTotal Portfolio Operating Expense 0.14% * 3.14%* The minimum total annual portfolio operating expenses are those of a Portfolio that may invest in mutual funds, which also charge their own operating expenses.Thus, the total annual portfolio operating expenses may be higher than indicated.The following are the investment management fees, other expenses, 12b-1 fees (if applicable), and the total annual expenses for eachunderlying mutual fund ("Portfolio") as of December 31, 2002, except as noted. Each figure is stated as a percentage of theunderlying Portfolio’s average daily net assets. For certain of the underlying Portfolios, a portion of the management fee is beingwaived and/or other expenses are being partially reimbursed. "N/A" indicates that no portion of the management fee and/or otherexpenses is being waived and/or reimbursed. The "Net Annual Portfolio Operating Expenses" reflect the combination of theunderlying Portfolio's investment management fee, other expenses and any 12b-1 fees, net of any fee waivers and expensereimbursements. The following expenses are deducted by the underlying Portfolio before it provides American Skandia with the dailynet asset value. Any footnotes about expenses appear after the list of all the Portfolios. The underlying Portfolio information wasprovided by the underlying mutual funds and has not been independently verified by us. See the prospectuses or statements ofadditional information of the underlying Portfolios for further details. The current prospectus and statement of additional informationfor the underlying Portfolios can be obtained by calling 1-800-766-4530.1.65%1.65%1.65%Contract described herein is no longer available for sale.7
UNDERLYING MUTUAL FUND PORTFOLIO ANNUAL EXPENSES(as a percentage of the average net assets of the underlying Portfolios)UNDERLYING PORTFOLIOManagementFeesOtherExpenses12b-1 Fees Total AnnualPortfolioOperatingExpensesFeeWaiversandExpenseReimbursementNetAnnualPortfolioOperatingExpensesAmerican Skandia Trust: 1AST Strong International Equity 0.88% 0.21% 0.12% 1.21% 0.00% 1.21%AST William Blair International Growth 1.00% 0.23% 0.10% 1.33% 0.10% 1.23%AST American Century International Growth 1.00% 0.25% 0.00% 1.25% 0.00% 1.25%AST DeAM International Equity 1.00% 0.44% 0.00% 1.44% 0.15% 1.29%AST MFS Global Equity 1.00% 0.41% 0.00% 1.41% 0.00% 1.41%AST PBHG Small-Cap Growth 0.90% 0.22% 0.11% 1.23% 0.00% 1.23%AST DeAM Small-Cap Growth 0.95% 0.20% 0.00% 1.15% 0.15% 1.00%AST Federated Aggressive Growth 0.95% 0.43% 0.00% 1.38% 0.03% 1.35%AST Goldman Sachs Small-Cap Value 0.95% 0.21% 0.11% 1.27% 0.00% 1.27%AST Gabelli Small-Cap Value 0.90% 0.19% 0.01% 1.10% 0.00% 1.10%AST DeAM Small-Cap Value 0.95% 0.53% 0.00% 1.48% 0.33% 1.15%AST Goldman Sachs Mid-Cap Growth 1.00% 0.26% 0.07% 1.33% 0.10% 1.23%AST Neuberger Berman Mid-Cap Growth 0.90% 0.20% 0.06% 1.16% 0.00% 1.16%AST Neuberger Berman Mid-Cap Value 0.90% 0.17% 0.09% 1.16% 0.00% 1.16%AST Alger All-Cap Growth 0.95% 0.19% 0.15% 1.29% 0.00% 1.29%AST Gabelli All-Cap Value 0.95% 0.24% 0.00% 1.19% 0.00% 1.19%AST T. Rowe Price Natural Resources 0.90% 0.23% 0.03% 1.16% 0.00% 1.16%AST Alliance Growth 0.90% 0.20% 0.03% 1.13% 0.00% 1.13%AST MFS Growth 0.90% 0.18% 0.10% 1.18% 0.00% 1.18%AST Marsico Capital Growth 0.90% 0.16% 0.04% 1.10% 0.01% 1.09%AST Goldman Sachs Concentrated Growth 0.90% 0.15% 0.04% 1.09% 0.06% 1.03%AST DeAM Large-Cap Growth 0.85% 0.23% 0.00% 1.08% 0.10% 0.98%AST DeAM Large-Cap Value 0.85% 0.24% 0.04% 1.13% 0.10% 1.03%AST Alliance/Bernstein Growth + Value 0.90% 0.23% 0.00% 1.13% 0.00% 1.13%AST Sanford Bernstein Core Value 0.75% 0.25% 0.00% 1.00% 0.00% 1.00%AST Cohen & Steers Realty 1.00% 0.23% 0.03% 1.26% 0.00% 1.26%AST Sanford Bernstein Managed Index 500 0.60% 0.16% 0.08% 0.84% 0.00% 0.84%AST American Century Income & Growth 0.75% 0.23% 0.00% 0.98% 0.00% 0.98%AST Alliance Growth and Income 0.75% 0.15% 0.08% 0.98% 0.02% 0.96%AST MFS Growth with Income 0.90% 0.28% 0.01% 1.19% 0.00% 1.19%AST INVESCO Capital Income 0.75% 0.17% 0.03% 0.95% 0.00% 0.95%AST DeAM Global Allocation 0.10% 0.04% 0.00% 0.14% 0.00% 0.14%AST American Century Strategic Balanced 0.85% 0.25% 0.00% 1.10% 0.00% 1.10%AST T. Rowe Price Asset Allocation 0.85% 0.26% 0.00% 1.11% 0.00% 1.11%AST T. Rowe Price Global Bond 0.80% 0.26% 0.00% 1.06% 0.00% 1.06%AST Federated High Yield 0.75% 0.19% 0.00% 0.94% 0.00% 0.94%AST Lord Abbett Bond-Debenture 0.80% 0.24% 0.00% 1.04% 0.00% 1.04%AST DeAM Bond 0.85% 0.23% 0.00% 1.08% 0.15% 0.93%AST PIMCO Total Return Bond 0.65% 0.15% 0.00% 0.80% 0.02% 0.78%AST PIMCO Limited Maturity Bond 0.65% 0.18% 0.00% 0.83% 0.00% 0.83%AST Money Market 0.50% 0.13% 0.00% 0.63% 0.05% 0.58%Contract described herein is no longer available for sale.Montgomery Variable Series:Emerging Markets 1.25% 0.43% 0.00% 1.68% 0.00% 1.68%Wells Fargo Variable Trust:Equity Income 0.55% 0.30% 0.25% 1.10% 0.10% 1.00%8
Page 1 and 2: Effective January 1, 2008, American
Page 3: If you purchase this Annuity, we ap
Page 10 and 11: UNDERLYING MUTUAL FUND PORTFOLIO AN
Page 12 and 13: INVESTMENT OPTIONSWHAT ARE THE INVE
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Page 24 and 25: STYLE/TYPEINVESTMENT OBJECTIVES/POL
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Page 28 and 29: Each Purchase Payment has its own C
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Page 34 and 35: Recovery from Medically-Related Sur
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• distributions made as substanti
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for each optional benefit offered u
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not be designed for long-term inves
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INDEMNIFICATIONInsofar as indemnifi
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SELECTED FINANCIAL DATA (dollars in
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Return credited to contract owners
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with the overall decline in the equ
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of premature death, estate planning
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the value of the portfolio would de
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To the Board of Directors and Share
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REVENUESAMERICAN SKANDIA LIFE ASSUR
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AMERICAN SKANDIA LIFE ASSURANCE COR
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9. LEASESAMERICAN SKANDIA LIFE ASSU
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APPENDIX B - CONDENSED FINANCIAL IN
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Year Ended December 31,Sub-account
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6. Effective December 10, 2001, Deu
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Example with market increase and wi
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coverage under the Rider, we will r
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APPENDIX E - SALE OF THE CONTRACTS
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Optional Death BenefitsThe Enhanced
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APPENDIX F - DESCRIPTION AND CALCUL
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We deduct the charge:1. on each ann
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PLEASE SEND ME A STATEMENT OF ADDIT
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NOTESContract described herein is n
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NOTESContract described herein is n
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American Skandia's Privacy PolicyAt
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XTra Credit FOUR - Prudential Annuities

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