Supplement to Prospectus Dated May 3, 1999
                       Supplement dated September 29, 1999

This Supplement should be retained with the current Prospectus for your variable
annuity  contract  issued  by  American   Skandia  Life  Assurance   Corporation
("American  Skandia").  If you do not have a current prospectus,  please contact
American Skandia at 1-800-SKANDIA.

Pursuant to a vote of the  shareholders of American Skandia Trust (the "Trust"),
the Trust has adopted a Distribution  Plan under Rule 12b-1 under the Investment
Company Act of 1940 (the  "Plan").  The Plan  permits  the Trust's  Distributor,
American Skandia Marketing,  Inc. ("ASM"),  to receive brokerage  commissions in
connection with purchases and sales of securities held by the Portfolios, and to
use these  commissions  to promote  the sale of shares of the  Trust.  Under the
Plan,  transactions  for the purchase and sale of securities  for a Portfolio of
the Trust may be directed to certain brokers for execution  ("clearing brokers")
who have  agreed  to pay part of the  brokerage  commissions  received  on these
transactions to ASM for  "introducing"  transactions to the clearing broker.  In
turn, ASM will use the brokerage  commissions  received as an introducing broker
to pay various distribution-related  expenses, such as advertising,  printing of
sales materials, and payments to dealers.

The brokerage  commission  rates and amounts paid by the various  Portfolios are
not expected to increase as a result of the  implementation of the Plan, nor are
the total returns of the Portfolios expected to be affected adversely.  However,
the staff of the Securities and Exchange  Commission has taken the position that
amounts  received  by ASM as an  introducing  broker  under  the Plan  should be
reflected in the expenses of the Portfolios.  The table below estimates how each
Portfolio's  expenses (as a percentage  of Portfolio  assets on an annual basis)
will be deemed to increase as a result of the implementation of the Plan.

                ------------------------------------------- ------------------
                                 Portfolio                      Increase in
                                                                  Expenses
                ------------------------------------------- ------------------
                ------------------------------------------- ------------------
                  AST T. Rowe Price International Equity           <0.01%
                ------------------------------------------- ------------------
                ------------------------------------------- ------------------
                  AST Janus Small-Cap Growth                        0.05%
                ------------------------------------------- ------------------
                ------------------------------------------- ------------------
                  AST Neuberger Berman Mid-Cap Value                0.19%
                ------------------------------------------- ------------------
                ------------------------------------------- ------------------
                  AST JanCap Growth                                 0.01%
                ------------------------------------------- ------------------
                ------------------------------------------- ------------------
                  AST INVESCO Equity Income                         0.04%
                ------------------------------------------- ------------------
                ------------------------------------------- ------------------
                  AST T. Rowe Price International Bond               0%
                ------------------------------------------- ------------------

The  estimates  are derived  from data  regarding  each  Portfolio's  securities
transactions, and the proportion of such transactions directed under the Trust's
policy of considering the sale of Portfolio  shares in selecting  broker-dealers
to execute transactions,  for the twelve months ended June 30, 1999. However, it
is not possible to determine with accuracy  actual amounts that will be received
by ASM  from the  Plan.  Such  amounts  will  vary  based  upon  the  level of a
Portfolio's  brokerage activity,  the proportion of such activity directed under
the Plan, and other factors.

This  information  was  provide  by the  Trust  and has not  been  independently
verified by us. Additional  information on Portfolio expenses is included in the
Trust's Prospectus under "Fees and Expenses of the Portfolios."









GAL 3 (09/99)