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This page has been intentionally left blankContract described herein is no longer available for sale.3
TABLE OF CONTENTSDEFINITIONS...............................................................................................................................................................................6HIGHLIGHTS................................................................................................................................................................................8AVAILABLE INFORMATION..................................................................................................................................................10INCORPORATION OF CERTAIN DOCUMENTS BY REFERENCE ....................................................................................10CONTRACT EXPENSE SUMMARY........................................................................................................................................10EXPENSE EXAMPLES ..............................................................................................................................................................11CONDENSED FINANCIAL INFORMATION..........................................................................................................................12Unit Prices and Numbers of Units ...........................................................................................................................................13Yields on Money Market Sub-account ....................................................................................................................................14INVESTMENT OPTIONS ..........................................................................................................................................................14Variable Investment Options ...................................................................................................................................................14Fixed Investment Options ........................................................................................................................................................16OPERATIONS OF THE SEPARATE ACCOUNTS ..................................................................................................................17Separate Accounts....................................................................................................................................................................17Separate Account B..................................................................................................................................................................17Separate Account D .................................................................................................................................................................18INSURANCE ASPECTS OF THE ANNUITY...........................................................................................................................19CHARGES ASSESSED OR ASSESSABLE AGAINST THE ANNUITY................................................................................19Contingent Deferred Sales Charge...........................................................................................................................................19Maintenance Fee ......................................................................................................................................................................20Tax Charges .............................................................................................................................................................................20Transfer Fee .............................................................................................................................................................................20Allocation Of Annuity Charges ...............................................................................................................................................20CHARGES ASSESSED AGAINST THE ASSETS....................................................................................................................20Administration Charge.............................................................................................................................................................20Mortality and Expense Risk Charges.......................................................................................................................................21CHARGES OF THE UNDERLYING MUTUAL FUND...........................................................................................................21PURCHASING ANNUITIES......................................................................................................................................................21Uses Of The Annuity ...............................................................................................................................................................21Application And Initial Payment .............................................................................................................................................21Breakpoints ..............................................................................................................................................................................21Bank Drafting...........................................................................................................................................................................22Periodic Purchase Payments ....................................................................................................................................................22Right to Return the Annuity.....................................................................................................................................................23Allocation of Net Purchase Payments......................................................................................................................................23Balanced Investment Program .................................................................................................................................................23Ownership, Annuitant and Beneficiary Designations..............................................................................................................23ACCOUNT VALUE AND SURRENDER VALUE...................................................................................................................24Account Value in the Sub-accounts.........................................................................................................................................24Account Value of the Fixed Allocations..................................................................................................................................24RIGHTS, BENEFITS AND SERVICES .....................................................................................................................................25Additional Purchase Payments ................................................................................................................................................25Changing Revocable Designations ..........................................................................................................................................25Allocation Rules.......................................................................................................................................................................26Transfers...................................................................................................................................................................................26Renewals ..............................................................................................................................................................................27Dollar Cost Averaging .........................................................................................................................................................27Rebalancing..............................................................................................................................................................................28Distributions.............................................................................................................................................................................28Surrender..............................................................................................................................................................................28Medically-Related Surrender ...............................................................................................................................................28Free Withdrawals .................................................................................................................................................................29Partial Withdrawals..............................................................................................................................................................29Systematic Withdrawals.......................................................................................................................................................29Minimum Distributions........................................................................................................................................................30Death Benefit .......................................................................................................................................................................31Annuity Payments................................................................................................................................................................31Qualified Plan Withdrawal Limitations...............................................................................................................................33Contract described herein is no longer available for sale.4
Page 1 and 2: Effective January 1, 2008, American
Page 3: We guarantee fixed annuity payments
Page 7 and 8: DEFINITIONS: The following are key
Page 9 and 10: HIGHLIGHTS: The following are only
Page 11 and 12: Dollar Cost Averaging; (h) Rebalanc
Page 13 and 14: The examples shown assume that: (a)
Page 15 and 16: Sub-Account and the Year Sub-accoun
Page 17 and 18: Alliance Variable Products Series F
Page 19 and 20: Separate Account B is registered wi
Page 21 and 22: auditing, legal or administrative s
Page 23 and 24: ehalf with funds from our general a
Page 25 and 26: indefinite basis. Continuing the be
Page 27 and 28: Allocation Rules: As of the date of
Page 29 and 30: dollar cost averaging transfers fro
Page 31 and 32: A Systematic Withdrawal from a Fixe
Page 33 and 34: Annuities subject to Pennsylvania l
Page 35 and 36: Voting Rights: You have voting righ
Page 37 and 38: Tax Considerations Relating to Your
Page 39 and 40: insurance companies). The Treasury
Page 41 and 42: We may eliminate Sub-accounts, comb
Page 43 and 44: investments in support of the Compa
Page 45 and 46: The Company expects to use borrowin
Page 47 and 48: Executive Officers and Directors:Ou
Page 49 and 50: (2) Principal Underwriter(3) Calcul
Page 51 and 52: APPENDIX A FINANCIAL STATEMENTS FOR
Page 53 and 54: INDEPENDENT AUDITORS’ REPORTTo th
Page 55 and 56:
AMERICAN SKANDIA LIFE ASSURANCE COR
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securities. The portfolio is design
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and small-sized companies with favo
Page 79 and 80:
This prospectus contains a short de
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