-----BEGIN PRIVACY-ENHANCED MESSAGE----- Proc-Type: 2001,MIC-CLEAR Originator-Name: webmaster@www.sec.gov Originator-Key-Asymmetric: MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB MIC-Info: RSA-MD5,RSA, VznMW3VUXCCV5/M1CBa0J3hE6p+KdmjXflwn0TLzLLeVb6l4IREZbQ/qry1wsU+n Izhaa5gmeaMkZVfjqK+7jg== 0001193125-09-035152.txt : 20090223 0001193125-09-035152.hdr.sgml : 20090223 20090223164603 ACCESSION NUMBER: 0001193125-09-035152 CONFORMED SUBMISSION TYPE: 424B3 PUBLIC DOCUMENT COUNT: 1 FILED AS OF DATE: 20090223 DATE AS OF CHANGE: 20090223 FILER: COMPANY DATA: COMPANY CONFORMED NAME: PRUDENTIAL ANNUITIES LIFE ASSURANCE CORP/CT CENTRAL INDEX KEY: 0000881453 STANDARD INDUSTRIAL CLASSIFICATION: INSURANCE CARRIERS, NEC [6399] IRS NUMBER: 061241288 STATE OF INCORPORATION: CT FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 424B3 SEC ACT: 1933 Act SEC FILE NUMBER: 333-136996 FILM NUMBER: 09628521 BUSINESS ADDRESS: STREET 1: ONE CORPORATE DRIVE CITY: SHELTON STATE: CT ZIP: 06484 BUSINESS PHONE: 2039261888 MAIL ADDRESS: STREET 1: ONE CORPORATE DRIVE CITY: SHELTON STATE: CT ZIP: 06484 FORMER COMPANY: FORMER CONFORMED NAME: AMERICAN SKANDIA LIFE ASSURANCE CORP/CT DATE OF NAME CHANGE: 19920929 424B3 1 d424b3.txt APEX PRUDENTIAL ANNUITIES LIFE ASSURANCE CORPORATION ADVANCED SERIES ADVISOR/SM/ PLAN III ("ASAP III")/SM/ ADVANCED SERIES APEX II/SM/ ("APEX II")/SM/ ADVANCED SERIES LIFEVEST II/SM/ ("ASL II")/SM/ ADVANCED SERIES XTRA CREDIT/SM/ SIX ("XT6")/SM/ ADVANCED SERIES ADVISORS CHOICE/SM/ 2000 ("CHOICE 2000") Amendment to Supplement dated February 23, 2009 To Prospectuses dated May 1, 2008, as Supplemented This supplement should be read and retained with the prospectus and supplements for your ASAP III, APEX II, ASL II, XT6 and Choice 2000 Annuity. If you would like another copy of the prospectus or the supplements, please call us at 1-800-752-6342. The terms used in this supplement are defined in the Glossary of Terms in the Prospectus, unless specifically defined in a supplement to the Prospectus. The February 23, 2009 Supplement offering the following optional living benefits: Highest Daily Lifetime 7 Plus, Spousal Highest Daily Lifetime 7 Plus, Highest Daily Lifetime 7 Plus with Beneficiary Income Option ("BIO"), Spousal Highest Daily Lifetime 7 Plus with BIO and Highest Daily Lifetime 7 Plus with Lifetime Income Accelerator ("LIA"), is hereby amended as follows. The "Summary of Contract Fees and Charges - Your Optional Benefit Fees and Charges" Table on pages 3 and 4 of your Supplement is hereby replaced in its entirety with the following Table. The Table is being revised to clarify how the Optional Benefit Fee is deducted from your Annuity. In the Table below, "AV" refers to Account Value and "PWV" refers to Protected Withdrawal Value. CORESUP8 The following line items are added to the prospectus (page 8 or page 7 for Choice 2000) section "Summary of Contract Fees and Charges - Your Optional Benefit Fees and Charges." The entire table of "Summary of Contract Fees and Charges" can be found on page 6 of your prospectus. SUMMARY OF CONTRACT FEES AND CHARGES
- ------------------------------------------------------------------------------------------------------------------------ YOUR OPTIONAL BENEFIT FEES AND CHARGES /1/ - ------------------------------------------------------------------------------------------------------------------------ OPTIONAL BENEFIT OPTIONAL TOTAL TOTAL TOTAL TOTAL TOTAL BENEFIT FEE/ ANNUAL ANNUAL ANNUAL ANNUAL ANNUAL CHARGE CHARGE /2/ CHARGE /2/ CHARGE /2/ CHARGE/ 2/ CHARGE /2/ for ASAP III for APEX II for ASL II for XT6 for CHOICE 2000 - ------------------------------------------------------------------------------------------------------------------------ HIGHEST DAILY LIFETIME 7 PLUS Maximum Charge /3/ 1.50% 1.25% + 1.65% + 1.65% + 1.65% + 0.65% + of greater of 1.50% of 1.50% of 1.50% of 1.50% of 1.50% of AV and PWV greater of greater of greater of greater of greater of AV AV and AV and AV and AV and and PWV PWV PWV PWV PWV Current Charge 0.75% of 1.25% + 1.65% + 1.65% + 1.65% + 0.65% + greater of AV 0.75% of 0.75% of 0.75% of 0.75% of 0.75% of and PWV greater of greater of greater of greater of greater of AV AV and AV and AV and AV and and PWV PWV PWV PWV PWV - ------------------------------------------------------------------------------------------------------------------------ SPOUSAL HIGHEST DAILY LIFETIME 7 PLUS Maximum Charge /3/ 1.50% of 1.25% + 1.65% + 1.65% + 1.65% + 0.65% + greater of AV 1.50% of 1.50% of 1.50% of 1.50% of 1.50% of and PWV greater of greater of greater of greater of greater of AV AV and AV and AV and AV and and PWV PWV PWV PWV PWV Current Charge 0.90% of 1.25% + 1.65% + 1.65% + 1.65% + 0.65% + greater of AV 0.90% of 0.90% of 0.90% of 0.90% of 0.90% of and PWV greater of greater of greater of greater of greater of AV AV and AV and AV and AV and and PWV PWV PWV PWV PWV - ------------------------------------------------------------------------------------------------------------------------ HIGHEST DAILY LIFETIME 7 PLUS WITH BIO Maximum Charge /3/ 2.00% of 1.25% + 1.65% + 1.65% + 1.65% + 0.65% + greater of AV 2.00% of 2.00% of 2.00% of 2.00% of 2.00% of and PWV greater of greater of greater of greater of greater of AV AV and AV and AV and AV and and PWV PWV PWV PWV PWV Current Charge 1.10% of 1.25% + 1.65% + 1.65% + 1.65% + 0.65% + greater of AV 1.10% of 1.10% of 1.10% of 1.10% of 1.10% of and PWV greater of greater of greater of greater of greater of AV AV and AV and AV and AV and and PWV PWV PWV PWV PWV - ------------------------------------------------------------------------------------------------------------------------ SPOUSAL HIGHEST DAILY LIFETIME 7 PLUS WITH BIO Maximum Charge /3/ 2.00% of 1.25% + 1.65% + 1.65% + 1.65% + 0.65% + greater of AV 2.00% of 2.00% of 2.00% of 2.00% of 2.00% of and PWV greater of greater of greater of greater of greater of AV AV and AV and AV and AV and and PWV PWV PWV PWV PWV Current Charge 1.10% of 1.25% + 1.65% + 1.65% + 1.65% + 0.65% + greater of AV 1.10% of 1.10% of 1.10% of 1.10% of 1.10% of and PWV greater of greater of greater of greater of greater of AV AV and AV and AV and AV and and PWV PWV PWV PWV PWV - ------------------------------------------------------------------------------------------------------------------------
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- ------------------------------------------------------------------------------------------------------------------------ YOUR OPTIONAL BENEFIT FEES AND CHARGES /1/ - ------------------------------------------------------------------------------------------------------------------------ OPTIONAL BENEFIT OPTIONAL TOTAL TOTAL TOTAL TOTAL TOTAL BENEFIT FEE/ ANNUAL ANNUAL ANNUAL ANNUAL ANNUAL CHARGE CHARGE /2/ CHARGE /2/ CHARGE /2/ CHARGE/ 2/ CHARGE /2/ for ASAP III for APEX II for ASL II for XT6 for CHOICE 2000 - ------------------------------------------------------------------------------------------------------------------------ HIGHEST DAILY LIFETIME 7 PLUS WITH LIA Maximum Charge /3/ 2.00% of 1.25% + 1.65% + 1.65% + 1.65% + 0.65% + greater of AV 2.00% of 2.00% of 2.00% of 2.00% of 2.00% of and PWV greater of greater of greater of greater of greater of AV AV and AV and AV and AV and and PWV PWV PWV PWV PWV Current Charge 1.10% of 1.25% + 1.65% + 1.65% + 1.65% + 0.65% + greater of AV 1.10% of 1.10% of 1.10% of 1.10% of 1.10% of and PWV greater of greater of greater of greater of greater of AV AV and AV and AV and AV and and PWV PWV PWV PWV PWV - ------------------------------------------------------------------------------------------------------------------------
How Charge is Determined 1. Highest Daily Lifetime 7 Plus. Charge for this benefit is assessed against the greater of the Account Value ("AV") and the Protected Withdrawal Value ("PWV"). As discussed in the description of the benefit, the charge is taken out of the Sub-accounts. For ASAP III, 0.75% of the greater of the AV and the PWV is in addition to 1.25% annual charge of amounts invested in the Sub-accounts (in Annuity Years 1-8) and 0.65% annual charge of amounts invested in the Sub-accounts in subsequent Annuity Years. For APEX II and ASL II, 0.75% of the greater of the AV and the PWV is in addition to 1.65% annual charge of amounts invested in the Sub-accounts. For XT6, 0.75% of the greater of the AV and the PWV is in addition to 1.65% annual charge of amounts invested in the Sub-accounts (in Annuity Years 1-10) and 0.65% annual charge of amounts invested in the Sub-accounts in subsequent Annuity Years. For Choice 2000, 0.75% of the greater of the AV and the PWV is in addition to 0.65% annual charge of amounts invested in the Sub-accounts. Spousal Highest Daily Lifetime 7 Plus. Charge for this benefit is assessed against the greater of the Account Value ("AV") and the Protected Withdrawal Value ("PWV"). As discussed in the description of the benefit, the charge is taken out of the Sub-accounts. For ASAP III, 0.90% of the greater of the AV and the PWV is in addition to 1.25% annual charge of amounts invested in the Sub-accounts (in Annuity Years 1-8) and 0.65% annual charge of amounts invested in the Sub-accounts in subsequent Annuity Years. For APEX II and ASL II, 0.90% of the greater of the AV and the PWV is in addition to 1.65% annual charge of amounts invested in the Sub-accounts. For XT6, 0.90% of the greater of the AV and the PWV is in addition to 1.65% annual charge of amounts invested in the Sub-accounts (in Annuity Years 1-10) and 0.65% annual charge of amounts invested in the Sub-accounts in subsequent Annuity Years. For Choice 2000, 0.90% of the greater of the AV and the PWV is in addition to 0.65% annual charge of amounts invested in the Sub-accounts. Highest Daily Lifetime 7 Plus with BIO. Charge for this benefit is assessed against the greater of the Account Value ("AV") and the Protected Withdrawal Value ("PWV"). As discussed in the description of the benefit, the charge is taken out of the Sub-accounts. For ASAP III, 1.10% of the greater of the AV and the PWV is in addition to 1.25% annual charge of amounts invested in the Sub-accounts (in Annuity Years 1-8) and 0.65% annual charge of amounts invested in the Sub-accounts in subsequent Annuity Years. For APEX II and ASL II, 1.10% of the greater of the AV and the PWV is in addition to 1.65% annual charge of amounts invested in the Sub-accounts. For XT6, 1.10% of the greater of the AV and the PWV is in addition to 1.65% annual charge of amounts invested in the Sub-accounts (in Annuity Years 1-10) and 0.65% annual charge of amounts invested in the Sub-accounts in subsequent Annuity Years. For Choice 2000, 1.10% of the greater of the AV and the PWV is in addition to 0.65% annual charge of amounts invested in the Sub-accounts. Spousal Highest Daily Lifetime 7 Plus with BIO. Charge for this benefit is assessed against the greater of the Account Value ("AV") and the Protected Withdrawal Value ("PWV"). As discussed in the description of the benefit, the charge is taken out of the Sub-accounts. For ASAP III, 1.10% of the greater of the AV and the PWV is in addition to 1.25% annual charge of amounts invested in the Sub-accounts (in Annuity Years 1-8) and 0.65% annual charge of amounts invested in the Sub-accounts in subsequent Annuity Years. For APEX II and ASL II, 1.10% of the greater of the AV and the PWV is in addition to 1.65% annual charge of amounts invested in the Sub-accounts. For XT6, 1.10% of the greater of the AV and the PWV is in addition to 1.65% annual charge of amounts invested in the Sub-accounts (in Annuity Years 1-10) and 0.65% annual charge of amounts invested in the Sub-accounts in subsequent Annuity Years. For Choice 2000, 1.10% of the greater of the AV and the PWV is in addition to 0.65% annual charge of amounts invested in the Sub-accounts. Highest Daily Lifetime 7 Plus with LIA. Charge for this benefit is assessed against the greater of the Account Value ("AV") and the Protected Withdrawal Value ("PWV"). As discussed in the description of the benefit, the charge is taken out of the Sub-accounts. For ASAP III, 1.10% of the greater of the AV and the PWV is in addition to 1.25% annual charge of amounts invested in the Sub-accounts (in Annuity Years 1-8) and 0.65% annual charge of amounts invested in the Sub-accounts in subsequent Annuity Years. For APEX II and ASL II, 1.10% of the greater of the AV and the PWV is in addition to 1.65% annual charge of amounts invested in the Sub-accounts. For XT6, 1.10% of the greater of the AV and the PWV is in addition to 1.65% annual charge of amounts invested in the Sub-accounts (in Annuity Years 1-10) and 0.65% annual charge of amounts invested in the Sub-accounts in subsequent Annuity Years. For Choice 2000, 1.10% of the greater of the AV and the PWV is in addition to 0.65% annual charge of amounts invested in the Sub-accounts. 2. The Total Annual Charge includes the Insurance Charge and Distribution Charge (if applicable) assessed against the average daily net assets allocated to the Sub-accounts. If you elect more than one optional benefit, the Total Annual Charge would be increased to include the charge for each optional benefit. 3. We reserve the right to increase the charge to the maximum charge indicated, upon any step-up or reset under the benefit, or new election of the benefit. 3 ---------------- [LOGO] Prudential PRSRT STD The Prudential Insurance Company of America U.S. POSTAGE 751 Broad Street PAID Newark, NJ 07102-3777 LANCASTER, PA PERMIT NO. 1793 ----------------
CORESUP8 PRUDENTIAL ANNUITIES LIFE ASSURANCE CORPORATION ADVANCED SERIES ADVISOR PLAN III/SM/ ("ASAP III")/SM/ ADVANCED SERIES APEX II/SM/ ("APEX II")/SM/ ADVANCED SERIES LIFEVEST II/SM/ ("ASL II")/SM/ ADVANCED SERIES XTRA CREDIT EIGHT/SM/ ("XT8")/SM/ Amendment to Supplement dated February 23, 2009 To Prospectuses dated June 16, 2008, as Supplemented This supplement should be read and retained with the prospectus and supplements for your ASAP III, APEX II, ASL II, and XT8 Annuity. If you would like another copy of the prospectus or the supplements, please call us at 1-800-752-6342. The terms used in this supplement are defined in the Glossary of Terms in the Prospectus, unless specifically defined in a supplement to the Prospectus. The February 23, 2009 Supplement offering the following optional living benefits: Highest Daily Lifetime 7 Plus, Spousal Highest Daily Lifetime 7 Plus, Highest Daily Lifetime 7 Plus with Beneficiary Income Option ("BIO"), Spousal Highest Daily Lifetime 7 Plus with BIO and Highest Daily Lifetime 7 Plus with Lifetime Income Accelerator ("LIA"), is hereby amended as follows. The "Summary of Contract Fees and Charges - Your Optional Benefit Fees and Charges" Table on pages 3 and 4 of your Supplement is hereby replaced in its entirety with the following Table. The Table is being revised to clarify how the Optional Benefit Fee is deducted from your Annuity. In the Table below, "AV" refers to Account Value and "PWV" refers to Protected Withdrawal Value. COREIISUP5 The following line items are added to the prospectus (on page 8) section "Summary of Contract Fees and Charges - Your Optional Benefit Fees and Charges." The entire table of "Summary of Contract Fees and Charges" can be found on page 6 of your prospectus. SUMMARY OF CONTRACT FEES AND CHARGES
- --------------------------------------------------------------------------------------------------------- YOUR OPTIONAL BENEFIT FEES AND CHARGES /1/ - --------------------------------------------------------------------------------------------------------- OPTIONAL BENEFIT OPTIONAL TOTAL TOTAL TOTAL TOTAL BENEFIT FEE/ ANNUAL ANNUAL ANNUAL ANNUAL CHARGE CHARGE /2/ CHARGE /2/ CHARGE /2/ CHARGE /2/ for ASAP III for APEX II for ASL II for XT8 - --------------------------------------------------------------------------------------------------------- HIGHEST DAILY LIFETIME 7 PLUS Maximum Charge /3/ 1.50% of 1.25% + 1.65% + 1.65% + 1.75% + greater of AV 1.50% of 1.50% of 1.50% of 1.50% of and PWV greater of AV greater of greater of greater of and PWV AV and AV and AV and PWV PWV PWV Current Charge 0.75% of 1.25% + 1.65% + 1.65% + 1.75% + greater of AV 0.75% of 0.75% of 0.75% of 0.75% of and PWV greater of AV greater of greater of greater of and PWV AV and AV and AV and PWV PWV PWV - --------------------------------------------------------------------------------------------------------- SPOUSAL HIGHEST DAILY LIFETIME 7 PLUS Maximum Charge /3/ 1.50% of 1.25% + 1.65% + 1.65% + 1.75% + greater of AV 1.50% of 1.50% of 1.50% of 1.50% of and PWV greater of AV greater of greater of greater of and PWV AV and AV and AV and PWV PWV PWV Current Charge 0.90% of 1.25% + 1.65% + 1.65% + 1.75% + greater of AV 0.90% of 0.90% of 0.90% of 0.90% of and PWV greater of AV greater of greater of greater of and PWV AV and AV and AV and PWV PWV PWV - --------------------------------------------------------------------------------------------------------- HIGHEST DAILY LIFETIME 7 PLUS WITH BIO Maximum Charge /3/ 2.00% of 1.25% + 1.65% + 1.65% + 1.75% + greater of AV 2.00% of 2.00% of 2.00% of 2.00% of and PWV greater of AV greater of greater of greater of and PWV AV and AV and AV and PWV PWV PWV Current Charge 1.10% of 1.25% + 1.65% + 1.65% + 1.75% + greater of AV 1.10% of 1.10% of 1.10% of 1.10% of and PWV greater of AV greater of greater of greater of and PWV AV and AV and AV and PWV PWV PWV - --------------------------------------------------------------------------------------------------------- SPOUSAL HIGHEST DAILY LIFETIME 7 PLUS WITH BIO Maximum Charge /3/ 2.00% of 1.25% + 1.65% + 1.65% + 1.75% + greater of AV 2.00% of 2.00% of 2.00% of 2.00% of and PWV greater of AV greater of greater of greater of and PWV AV and AV and AV and PWV PWV PWV Current Charge 1.10% of 1.25% + 1.65% + 1.65% + 1.75% + greater of AV 1.10% of 1.10% of 1.10% of 1.10% of and PWV greater of AV greater of greater of greater of and PWV AV and AV and AV and PWV PWV PWV - ---------------------------------------------------------------------------------------------------------
2
- --------------------------------------------------------------------------------------------------------- YOUR OPTIONAL BENEFIT FEES AND CHARGES /1/ - --------------------------------------------------------------------------------------------------------- OPTIONAL BENEFIT OPTIONAL TOTAL TOTAL TOTAL TOTAL BENEFIT FEE/ ANNUAL ANNUAL ANNUAL ANNUAL CHARGE CHARGE /2/ CHARGE /2/ CHARGE /2/ CHARGE /2/ for ASAP III for APEX II for ASL II for XT8 - --------------------------------------------------------------------------------------------------------- HIGHEST DAILY LIFETIME 7 PLUS WITH LIA Maximum Charge /3/ 2.00% of 1.25% + 1.65% + 1.65% + 1.75% + greater of AV 2.00% of 2.00% of 2.00% of 2.00% of and PWV greater of AV greater of greater of greater of and PWV AV and AV and AV and PWV PWV PWV Current Charge 1.10% of 1.25% + 1.65% + 1.65% + 1.75% + greater of AV 1.10% of 1.10% of 1.10% of 1.10% of and PWV greater of AV greater of greater of greater of and PWV AV and AV and AV and PWV PWV PWV - ---------------------------------------------------------------------------------------------------------
How Charge is Determined 1. Highest Daily Lifetime 7 Plus. Charge for this benefit is assessed against the greater of the Account Value ("AV") and the Protected Withdrawal Value ("PWV"). As discussed in the description of the benefit, the charge is taken out of the Sub-accounts. For ASAP III, 0.75% of the greater of the AV and the PWV is in addition to 1.25% annual charge of amounts invested in the Sub-accounts (in Annuity Years 1-8) and 0.65% annual charge of amounts invested in the Sub-accounts in subsequent Annuity Years. For APEX II and ASL II, 0.75% of the greater of the AV and the PWV is in addition to 1.65% annual charge of amounts invested in the Sub-accounts. For XT8, 0.75% of the greater of the AV and the PWV is in addition to 1.75% annual charge of amounts invested in the Sub-accounts. Spousal Highest Daily Lifetime 7 Plus. Charge for this benefit is assessed against the greater of the Account Value ("AV") and the Protected Withdrawal Value ("PWV"). As discussed in the description of the benefit, the charge is taken out of the Sub-accounts. For ASAP III, 0.90% of the greater of the AV and the PWV is in addition to 1.25% annual charge of amounts invested in the Sub-accounts (in Annuity Years 1-8) and 0.65% annual charge of amounts invested in the Sub-accounts in subsequent Annuity Years. For APEX II and ASL II, 0.90% of the greater of the AV and the PWV is in addition to 1.65% annual charge of amounts invested in the Sub-accounts. For XT8, 0.90% of the greater of the AV and the PWV is in addition to 1.75% annual charge of amounts invested in the Sub-accounts. Highest Daily Lifetime 7 Plus with BIO. Charge for this benefit is assessed against the greater of the Account Value ("AV") and the Protected Withdrawal Value ("PWV"). As discussed in the description of the benefit, the charge is taken out of the Sub-accounts. For ASAP III, 1.10% of the greater of the AV and the PWV is in addition to 1.25% annual charge of amounts invested in the Sub-accounts (in Annuity Years 1-8) and 0.65% annual charge of amounts invested in the Sub-accounts in subsequent Annuity Years. For APEX II and ASL II, 1.10% of the greater of the AV and the PWV is in addition to 1.65% annual charge of amounts invested in the Sub-accounts. For XT8, 1.10% of the greater of the AV and the PWV is in addition to 1.75% annual charge of amounts invested in the Sub-accounts. Spousal Highest Daily Lifetime 7 Plus with BIO. Charge for this benefit is assessed against the greater of the Account Value ("AV") and the Protected Withdrawal Value ("PWV"). As discussed in the description of the benefit, the charge is taken out of the Sub-accounts. For ASAP III, 1.10% of the greater of the AV and the PWV is in addition to 1.25% annual charge of amounts invested in the Sub-accounts (in Annuity Years 1-8) and 0.65% annual charge of amounts invested in the Sub-accounts in subsequent Annuity Years. For APEX II and ASL II, 1.10% of the greater of the AV and the PWV is in addition to 1.65% annual charge of amounts invested in the Sub-accounts. For XT8, 1.10% of the greater of the AV and the PWV is in addition to 1.75% annual charge of amounts invested in the Sub-accounts. Highest Daily Lifetime 7 Plus with LIA. Charge for this benefit is assessed against the greater of the Account Value ("AV") and the Protected Withdrawal Value ("PWV"). As discussed in the description of the benefit, the charge is taken out of the Sub-accounts. For ASAP III, 1.10% of the greater of the AV and the PWV is in addition to 1.25% annual charge of amounts invested in the Sub-accounts (in Annuity Years 1-8) and 0.65% annual charge of amounts invested in the Sub-accounts in subsequent Annuity Years. For APEX II and ASL II, 1.10% of the greater of the AV and the PWV is in addition to 1.65% annual charge of amounts invested in the Sub-accounts. For XT8, 1.10% of the greater of the AV and the PWV is in addition to 1.75% annual charge of amounts invested in the Sub-accounts. 2. The Total Annual Charge includes the Insurance Charge and Distribution Charge (if applicable) assessed against the average daily net assets allocated to the Sub-accounts. If you elect more than one optional benefit, the Total Annual Charge would be increased to include the charge for each optional benefit. 3. We reserve the right to increase the charge to the maximum charge indicated, upon any step-up or reset under the benefit, or new election of the benefit. 3 ---------------- [LOGO] Prudential PRSRT STD The Prudential Insurance Company of America U.S. POSTAGE 751 Broad Street PAID Newark, NJ 07102-3777 LANCASTER, PA PERMIT NO. 1793 ----------------
COREIISUP5 PRUDENTIAL ANNUITIES LIFE ASSURANCE CORPORATION OPTIMUM/SM/ OPTIMUM FOUR/SM/ OPTIMUM PLUS/SM/ Amendment to Supplement dated February 23, 2009 To Prospectuses dated May 1, 2008, as Supplemented This supplement should be read and retained with the prospectus and supplements for your Optimum, Optimum Four, and Optimum Plus Annuity. If you would like another copy of the prospectus or the supplements, please call us at 1-800-752-6342. The terms used in this supplement are defined in the Glossary of Terms in the Prospectus, unless specifically defined in a supplement to the Prospectus. The February 23, 2009 Supplement offering the following optional living benefits: Highest Daily Lifetime 7 Plus, Spousal Highest Daily Lifetime 7 Plus, Highest Daily Lifetime 7 Plus with Beneficiary Income Option ("BIO"), Spousal Highest Daily Lifetime 7 Plus with BIO and Highest Daily Lifetime 7 Plus with Lifetime Income Accelerator ("LIA"), is hereby amended as follows. The "Summary of Contract Fees and Charges - Your Optional Benefit Fees and Charges" Table on pages 3 and 4 of your Supplement is hereby replaced in its entirety with the following Table. The Table is being revised to clarify how the Optional Benefit Fee is deducted from your Annuity. In the Table below, "AV" refers to Account Value and "PWV" refers to Protected Withdrawal Value. OPTIMUMSUP6 The following line items are added to the prospectus (page 8) section "Summary of Contract Fees and Charges - Your Optional Benefit Fees and Charges." The entire table of Summary of Contract Fees and Charges" can be found on page 6 of your prospectus. SUMMARY OF CONTRACT FEES AND CHARGES
- -------------------------------------------------------------------------------------------------------------------- YOUR OPTIONAL BENEFIT FEES AND CHARGES /1/ - -------------------------------------------------------------------------------------------------------------------- OPTIONAL BENEFIT OPTIONAL TOTAL TOTAL TOTAL BENEFIT FEE/ ANNUAL ANNUAL ANNUAL CHARGE CHARGE /2/ CHARGE /2/ CHARGE /2/ for OPTIMUM for OPTIMUM FOUR for OPTIMUM PLUS - -------------------------------------------------------------------------------------------------------------------- HIGHEST DAILY LIFETIME 7 PLUS Maximum Charge /3/ 1.50% of greater 1.25% + 1.50% of greater 1.65% + 1.50% of greater 1.65% + 1.50% of greater of AV and PWV of AV and PWV of AV and PWV of AV and PWV Current Charge 0.75% of greater 1.25% + 0.75% of greater 1.65% + 0.75% of greater 1.65% + 0.75% of greater of AV and PWV of AV and PWV of AV and PWV of AV and PWV - -------------------------------------------------------------------------------------------------------------------- SPOUSAL HIGHEST DAILY LIFETIME 7 PLUS Maximum Charge /3/ 1.50% of greater 1.25% + 1.50% of greater 1.65% + 1.50% of greater 1.65% + 1.50% of greater of AV and PWV of AV and PWV of AV and PWV of AV and PWV Current Charge 0.90% of greater 1.25% + 0.90% of greater 1.65% + 0.90% of greater 1.65% + 0.90% of greater of AV and PWV of AV and PWV of AV and PWV of AV and PWV - -------------------------------------------------------------------------------------------------------------------- HIGHEST DAILY LIFETIME 7 PLUS WITH BIO Maximum Charge /3/ 2.00% of greater 1.25% + 2.00% of greater 1.65% + 2.00% of greater 1.65% + 2.00% of greater of AV and PWV of AV and PWV of AV and PWV of AV and PWV Current Charge 1.10% of greater 1.25% + 1.10% of greater 1.65% + 1.10% of greater 1.65% + 1.10% of greater of AV and PWV of AV and PWV of AV and PWV of AV and PWV - -------------------------------------------------------------------------------------------------------------------- SPOUSAL HIGHEST DAILY LIFETIME 7 PLUS WITH BIO Maximum Charge /3/ 2.00% of greater 1.25% + 2.00% of greater 1.65% + 2.00% of greater 1.65% + 2.00% of greater of AV and PWV of AV and PWV of AV and PWV of AV and PWV Current Charge 1.10% of greater 1.25% + 1.10% of greater 1.65% + 1.10% of greater 1.65% + 1.10% of greater of AV and PWV of AV and PWV of AV and PWV of AV and PWV - -------------------------------------------------------------------------------------------------------------------- HIGHEST DAILY LIFETIME 7 PLUS WITH LIA Maximum Charge /3/ 2.00% of greater 1.25% + 2.00% of greater 1.65% + 2.00% of greater 1.65% + 2.00% of greater of AV and PWV of AV and PWV of AV and PWV of AV and PWV Current Charge 1.10% of greater 1.25% + 1.10% of greater 1.65% + 1.10% of greater 1.65% + 1.10% of greater of AV and PWV of AV and PWV of AV and PWV of AV and PWV - --------------------------------------------------------------------------------------------------------------------
How Charge is Determined 1. Highest Daily Lifetime 7 Plus. Charge for this benefit is assessed against the greater of the Account Value ("AV") and the Protected Withdrawal Value ("PWV"). As discussed in the description of the benefit, the charge is taken out of the Sub-accounts. For Optimum, 0.75% of the greater of the AV and the PWV is in addition to 1.25% annual charge of amounts invested in the Sub-accounts (in Annuity Years 1-8) and 0.65% annual charge of amounts invested in the Sub-accounts in subsequent Annuity Years. For Optimum Four, 0.75% of the greater of the AV and the PWV is in addition to 1.65% annual charge of amounts invested in the Sub-accounts. For Optimum Plus, 0.75% of the greater of the AV and the PWV is in addition to 1.65% annual charge of amounts invested in the Sub-accounts (in Annuity Years 1-10) and 0.65% annual charge of amounts invested in the Sub-accounts in subsequent Annuity Years. 2 Spousal Highest Daily Lifetime 7 Plus. Charge for this benefit is assessed against the greater of the Account Value ("AV") and the Protected Withdrawal Value ("PWV"). As discussed in the description of the benefit, the charge is taken out of the Sub-accounts. For Optimum, 0.90% of the greater of the AV and the PWV is in addition to 1.25% annual charge of amounts invested in the Sub-accounts (in Annuity Years 1-8) and 0.65% annual charge of amounts invested in the Sub-accounts in subsequent Annuity Years. For Optimum Four, 0.90% of the greater of the AV and the PWV is in addition to 1.65% annual charge of amounts invested in the Sub-accounts. For Optimum Plus, 0.90% of the greater of the AV and the PWV is in addition to 1.65% annual charge of amounts invested in the Sub-accounts (in Annuity Years 1-10) and 0.65% annual charge of amounts invested in the Sub-accounts in subsequent Annuity Years. Highest Daily Lifetime 7 Plus with BIO. Charge for this benefit is assessed against the greater of the Account Value ("AV") and the Protected Withdrawal Value ("PWV"). As discussed in the description of the benefit, the charge is taken out of the Sub-accounts. For Optimum, 1.10% of the greater of the AV and the PWV is in addition to 1.25% annual charge of amounts invested in the Sub-accounts (in Annuity Years 1-8) and 0.65% annual charge of amounts invested in the Sub-accounts in subsequent Annuity Years. For Optimum Four, 1.10% of the greater of the AV and the PWV is in addition to 1.65% annual charge of amounts invested in the Sub-accounts. For Optimum Plus, 1.10% of the greater of the AV and the PWV is in addition to 1.65% annual charge of amounts invested in the Sub-accounts (in Annuity Years 1-10) and 0.65% annual charge of amounts invested in the Sub-accounts in subsequent Annuity Years. Spousal Highest Daily Lifetime 7 Plus with BIO. Charge for this benefit is assessed against the greater of the Account Value ("AV") and the Protected Withdrawal Value ("PWV"). As discussed in the description of the benefit, the charge is taken out of the Sub-accounts. For Optimum, 1.10% of the greater of the AV and the PWV is in addition to 1.25% annual charge of amounts invested in the Sub-accounts (in Annuity Years 1-8) and 0.65% annual charge of amounts invested in the Sub-accounts in subsequent Annuity Years. For Optimum Four, 1.10% of the greater of the AV and the PWV is in addition to 1.65% annual charge of amounts invested in the Sub-accounts. For Optimum Plus, 1.10% of the greater of the AV and the PWV is in addition to 1.65% annual charge of amounts invested in the Sub-accounts (in Annuity Years 1-10) and 0.65% annual charge of amounts invested in the Sub-accounts in subsequent Annuity Years. Highest Daily Lifetime 7 Plus with LIA. Charge for this benefit is assessed against the greater of the Account Value ("AV") and the Protected Withdrawal Value ("PWV"). As discussed in the description of the benefit, the charge is taken out of the Sub-accounts. For Optimum, 1.10% of the greater of the AV and the PWV is in addition to 1.25% annual charge of amounts invested in the Sub-accounts (in Annuity Years 1-8) and 0.65% annual charge of amounts invested in the Sub-accounts in subsequent Annuity Years. For Optimum Four, 1.10% of the greater of the AV and the PWV is in addition to 1.65% annual charge of amounts invested in the Sub-accounts. For Optimum Plus, 1.10% of the greater of the AV and the PWV is in addition to 1.65% annual charge of amounts invested in the Sub-accounts (in Annuity Years 1-10) and 0.65% annual charge of amounts invested in the Sub-accounts in subsequent Annuity Years. 2. The Total Annual Charge includes the Insurance Charge and Distribution Charge (if applicable) assessed against the average daily net assets allocated to the Sub-accounts. If you elect more than one optional benefit, the Total Annual Charge would be increased to include the charge for each optional benefit. 3. We reserve the right to increase the charge to the maximum charge indicated, upon any step-up or reset under the benefit, or new election of the benefit. 3 ---------------- [LOGO] Prudential PRSRT STD The Prudential Insurance Company of America U.S. POSTAGE 751 Broad Street PAID Newark, NJ 07102-3777 LANCASTER, PA PERMIT NO. 1793 ----------------
OPTIMUMSUP6 PRUDENTIAL ANNUITIES LIFE ASSURANCE CORPORATION OPTIMUM/SM/ OPTIMUM FOUR/SM/ OPTIMUM XTRA/SM/ Amendment to Supplement dated February 23, 2009 To Prospectuses dated May 1, 2008 (June 16, 2008 for Optimum XTra), as Supplemented This supplement should be read and retained with the prospectus and supplements for your Optimum, Optimum Four, and Optimum XTra Annuity. If you would like another copy of the prospectus or the supplements, please call us at 1-800-752-6342. The terms used in this supplement are defined in the Glossary of Terms in the Prospectus, unless specifically defined in a supplement to the Prospectus. The February 23, 2009 Supplement offering the following optional living benefits: Highest Daily Lifetime 7 Plus, Spousal Highest Daily Lifetime 7 Plus, Highest Daily Lifetime 7 Plus with Beneficiary Income Option ("BIO"), Spousal Highest Daily Lifetime 7 Plus with BIO and Highest Daily Lifetime 7 Plus with Lifetime Income Accelerator ("LIA"), is hereby amended as follows. The "Summary of Contract Fees and Charges - Your Optional Benefit Fees and Charges" Table on pages 3 and 4 of your Supplement is hereby replaced in its entirety with the following Table. The Table is being revised to clarify how the Optional Benefit Fee is deducted from your Annuity. In the Table below, "AV" refers to Account Value and "PWV" refers to Protected Withdrawal Value. OPTIMUMIISUP5 The following line items are added to the prospectus (page 8) section "Summary of Contract Fees and Charges - Your Optional Benefit Fees and Charges." The entire table of Summary of Contract Fees and Charges" can be found on page 6 of your prospectus. SUMMARY OF CONTRACT FEES AND CHARGES
- -------------------------------------------------------------------------------------------------------- YOUR OPTIONAL BENEFIT FEES AND CHARGES/ 1/ - -------------------------------------------------------------------------------------------------------- OPTIONAL BENEFIT OPTIONAL TOTAL TOTAL TOTAL BENEFIT FEE/ ANNUAL ANNUAL ANNUAL CHARGE CHARGE /2/ CHARGE /2/ CHARGE /2/ for OPTIMUM for OPTIMUM for OPTIMUM FOUR XTra - -------------------------------------------------------------------------------------------------------- HIGHEST DAILY LIFETIME 7 PLUS Maximum Charge /3/ 1.50% of 1.25% + 1.50% 1.65% + 1.50% 1.75% + 1.50% greater of AV of greater of of greater of of greater of and PWV AV and PWV AV and PWV AV and PWV Current Charge 0.75% of 1.25% + 0.75% 1.65% + 0.75% 1.75% + 0.75% greater of AV of greater of AV of greater of of greater of and PWV and PWV AV and PWV AV and PWV - -------------------------------------------------------------------------------------------------------- SPOUSAL HIGHEST DAILY LIFETIME 7 PLUS Maximum Charge /3/ 1.50% of 1.25% + 1.50% 1.65% + 1.50% 1.75% + 1.50% greater of of greater of of greater of of greater of AV and PWV AV and PWV AV and PWV AV and PWV Current Charge 0.90% of 1.25% + 0.90% 1.65% + 0.90% 1.75% + 0.90% greater of of greater of of greater of of greater of AV and PWV AV and PWV AV and PWV AV and PWV - -------------------------------------------------------------------------------------------------------- HIGHEST DAILY LIFETIME 7 PLUS WITH BIO Maximum Charge /3/ 2.00% of 1.25% + 2.00% 1.65% + 2.00% 1.75% + 2.00% greater of of greater of of greater of of greater of AV and PWV AV and PWV AV and PWV AV and PWV Current Charge 1.10% of 1.25% + 1.10% 1.65% + 1.10% 1.75% + 1.10% greater of of greater of of greater of of greater of AV and PWV AV and PWV AV and PWV AV and PWV - -------------------------------------------------------------------------------------------------------- SPOUSAL HIGHEST DAILY LIFETIME 7 PLUS WITH BIO Maximum Charge /3/ 2.00% of 1.25% + 2.00% 1.65% + 2.00% 1.75% + 2.00% greater of of greater of of greater of of greater of AV AV and PWV AV and PWV AV and PWV and PWV Current Charge 1.10% of 1.25% + 1.10% 1.65% + 1.10% 1.75% + 1.10% greater of of greater of of greater of of greater of AV and PWV AV and PWV AV and PWV AV and PWV - -------------------------------------------------------------------------------------------------------- HIGHEST DAILY LIFETIME 7 PLUS WITH LIA Maximum Charge /3/ 2.00% of 1.25% + 2.00% 1.65% + 2.00% 1.75% + 2.00% greater of of greater of of greater of of greater of AV and PWV AV and PWV AV and PWV AV and PWV Current Charge 1.10% of 1.25% + 1.10% 1.65% + 1.10% 1.75% + 1.10% greater of of greater of of greater of of greater of AV and PWV AV and PWV AV and PWV AV and PWV - --------------------------------------------------------------------------------------------------------
2 How Charge is Determined 1. Highest Daily Lifetime 7 Plus. Charge for this benefit is assessed against the greater of the Account Value ("AV") and the Protected Withdrawal Value ("PWV"). As discussed in the description of the benefit, the charge is taken out of the Sub-accounts. For Optimum, 0.75% of the greater of the AV and the PWV is in addition to 1.25% annual charge of amounts invested in the Sub-accounts (in Annuity Years 1-8) and 0.65% annual charge of amounts invested in the Sub-accounts in subsequent Annuity Years. For Optimum Four, 0.75% of the greater of the AV and the PWV is in addition to 1.65% annual charge of amounts invested in the Sub-accounts. For XTRA, 0.75% of the greater of the AV and the PWV is in addition to 1.75% annual charge of amounts invested in the Sub-accounts. Spousal Highest Daily Lifetime 7 Plus. Charge for this benefit is assessed against the greater of the Account Value ("AV") and the Protected Withdrawal Value ("PWV"). As discussed in the description of the benefit, the charge is taken out of the Sub-accounts. For Optimum, 0.90% of the greater of the AV and the PWV is in addition to 1.25% annual charge of amounts invested in the Sub-accounts (in Annuity Years 1-8) and 0.65% annual charge of amounts invested in the Sub-accounts in subsequent Annuity Years. For Optimum Four, 0.90% of the greater of the AV and the PWV is in addition to 1.65% annual charge of amounts invested in the Sub-accounts. For XTRA, 0.90% of the greater of the AV and the PWV is in addition to 1.75% annual charge of amounts invested in the Sub-accounts. Highest Daily Lifetime 7 Plus with BIO. Charge for this benefit is assessed against the greater of the Account Value ("AV") and the Protected Withdrawal Value ("PWV"). As discussed in the description of the benefit, the charge is taken out of the Sub-accounts. For Optimum, 1.10% of the greater of the AV and the PWV is in addition to 1.25% annual charge of amounts invested in the Sub-accounts (in Annuity Years 1-8) and 0.65% annual charge of amounts invested in the Sub-accounts in subsequent Annuity Years. For Optimum Four, 1.10% of the greater of the AV and the PWV is in addition to 1.65% annual charge of amounts invested in the Sub-accounts. For XTRA, 1.10% of the greater of the AV and the PWV is in addition to 1.75% annual charge of amounts invested in the Sub-accounts. Spousal Highest Daily Lifetime 7 Plus with BIO. Charge for this benefit is assessed against the greater of the Account Value ("AV") and the Protected Withdrawal Value ("PWV"). As discussed in the description of the benefit, the charge is taken out of the Sub-accounts. For Optimum, 1.10% of the greater of the AV and the PWV is in addition to 1.25% annual charge o of amounts invested in the Sub-accounts (in Annuity Years 1-8) and 0.65% annual charge of amounts invested in the Sub-accounts in subsequent Annuity Years. For Optimum Four, 1.10% of the greater of the AV and the PWV is in addition to 1.65% annual charge of amounts invested in the Sub-accounts. For XTRA, 1.10% of the greater of the AV and the PWV is in addition to 1.75% annual charge of amounts invested in the Sub-accounts. Highest Daily Lifetime 7 Plus with LIA. Charge for this benefit is assessed against the greater of the Account Value ("AV") and the Protected Withdrawal Value ("PWV"). As discussed in the description of the benefit, the charge is taken out of the Sub-accounts. For Optimum, 1.10% of the greater of the AV and the PWV is in addition to 1.25% annual charge of amounts invested in the Sub-accounts (in Annuity Years 1-8) and 0.65% annual charge of amounts invested in the Sub-accounts in subsequent Annuity Years. For Optimum Four, 1.10% of the greater of the AV and the PWV is in addition to 1.65% annual charge of amounts invested in the Sub-accounts. For XTRA, 1.10% of the greater of the AV and the PWV is in addition to 1.75% annual charge of amounts invested in the Sub-accounts. 2. The Total Annual Charge includes the Insurance Charge and Distribution Charge (if applicable) assessed against the average daily net assets allocated to the Sub-accounts. If you elect more than one optional benefit, the Total Annual Charge would be increased to include the charge for each optional benefit. 3. We reserve the right to increase the charge to the maximum charge indicated, upon any step-up or reset under the benefit, or new election of the benefit. 3 [LOGO] Prudential The Prudential Insurance Company of America 751 Broad Street Newark, NJ 07102-3777
OPTIMUMIISUP5 PRUDENTIAL ANNUITIES LIFE ASSURANCE CORPORATION ADVANCED SERIES CORNERSTONE ("AS CORNERSTONE")/SM/ ADVANCED SERIES XTRA CREDIT SIX ("XT6")/SM/ ADVANCED SERIES LIFEVEST II ("ASL II")/SM/ Amendment to Supplement dated February 23, 2009 To Prospectuses dated October 17, 2008, as Supplemented This supplement should be read and retained with the prospectus and supplements for your AS CORNERSTONE, ASL II and XT6 Annuity. If you would like another copy of the prospectus or the supplements, please call us at 1-800-752-6342. The terms used in this supplement are defined in the Glossary of Terms in the Prospectus, unless specifically defined in a supplement to the Prospectus. The February 23, 2009 Supplement offering the following optional living benefits: Highest Daily Lifetime 7 Plus, Spousal Highest Daily Lifetime 7 Plus, Highest Daily Lifetime 7 Plus with Beneficiary Income Option ("BIO"), Spousal Highest Daily Lifetime 7 Plus with BIO and Highest Daily Lifetime 7 Plus with Lifetime Income Accelerator ("LIA"), is hereby amended as follows. The "Summary of Contract Fees and Charges - Your Optional Benefit Fees and Charges" Table on page 3 of your Supplement is hereby replaced in its entirety with the following Table. The Table is being revised to clarify how the Optional Benefit Fee is deducted from your Annuity. In the Table below, "AV" refers to Account Value and "PWV" refers to Protected Withdrawal Value. CORNERSUP4 The following line items are added to the prospectus (page 6) section "Summary of Contract Fees and Charges - Your Optional Benefit Fees and Charges." The entire table of "Summary of Contracts Fees and Charges" can be found on page 4 of your prospectus.
- --------------------------------------------------------------------------------------------------------------------- YOUR OPTIONAL BENEFIT FEES AND CHARGES /1/ - --------------------------------------------------------------------------------------------------------------------- OPTIONAL BENEFIT OPTIONAL TOTAL TOTAL TOTAL BENEFIT FEE/ ANNUAL ANNUAL ANNUAL CHARGE CHARGE /2/ CHARGE /2/ CHARGE /2/ for AS for ASL II for XT6 CORNERSTONE - --------------------------------------------------------------------------------------------------------------------- HIGHEST DAILY LIFETIME 7 PLUS Maximum Charge /3/ 1.50% of 1.15% + 1.50% of 1.65% + 1.50% of 1.65% + 1.50% of greater greater of AV greater of AV and greater of AV of AV and PWV and PWV PWV and PWV Current Charge 0.75% of 1.15% + 0.75% of 1.65% + 0.75% of 1.65% + 0.75% of greater greater of AV greater of AV and greater of AV and of AV and PWV and PWV PWV PWV - --------------------------------------------------------------------------------------------------------------------- SPOUSAL HIGHEST DAILY LIFETIME 7 PLUS Maximum Charge /3/ 1.50% of 1.15% + 1.50% of 1.65% + 1.50% of 1.65% + 1.50% of greater greater of AV greater of AV and greater of AV and of AV and PWV and PWV PWV PWV Current Charge 0.90% of 1.15% + 0.90% of 1.65% + 0.90% of 1.65% + 0.90% of greater greater of AV greater of AV and greater of AV and of AV and PWV and PWV PWV PWV - --------------------------------------------------------------------------------------------------------------------- HIGHEST DAILY LIFETIME 7 PLUS WITH BIO Maximum Charge /3/ 2.00% of 1.15% + 2.00% of 1.65% + 2.00% of 1.65% + 2.00% of greater greater of AV greater of AV and greater of AV and of AV and PWV and PWV PWV PWV Current Charge 1.10% of 1.15% + 1.10% of 1.65% + 1.10% of 1.65% + 1.10% of greater greater of AV greater of AV and greater of AV and of AV and PWV and PWV PWV PWV - --------------------------------------------------------------------------------------------------------------------- SPOUSAL HIGHEST DAILY LIFETIME 7 PLUS WITH BIO Maximum Charge /3/ 2.00% of 1.15% + 2.00% of 1.65% + 2.00% of 1.65% + 2.00% of greater greater of AV greater of AV and greater of AV and of AV and PWV and PWV PWV PWV Current Charge 1.10% of 1.15% + 1.10% of 1.65% + 1.10% of 1.65% + 1.10% of greater greater of AV greater of AV and greater of AV and of AV and PWV and PWV PWV PWV - --------------------------------------------------------------------------------------------------------------------- HIGHEST DAILY LIFETIME 7 PLUS WITH LIA Maximum Charge /3/ 2.00% of 1.15% + 2.00% of 1.65% + 2.00% of 1.65% + 2.00% of greater greater of AV greater of AV and greater of AV and of AV and PWV and PWV PWV PWV Current Charge 1.10% of 1.15% + 1.10% of 1.65% + 1.10% of 1.65% + 1.10% of greater greater of AV greater of AV and greater of AV and of AV and PWV and PWV PWV PWV - ---------------------------------------------------------------------------------------------------------------------
How Charge is Determined 1. Highest Daily Lifetime 7 Plus. Charge for this benefit is assessed against the greater of the Account Value ("AV") and the Protected Withdrawal Value ("PWV"). As discussed in the description of the benefit, the charge is taken out of the Sub-accounts. For AS Cornerstone, 0.75% of the greater of the AV and the PWV is in addition to 1.15% annual charge of amounts invested in the Sub-accounts. For ASL II, 0.75% of the greater of the AV and the PWV is in addition to 1.65% annual charge of amounts invested in the Sub-accounts. For XT6, 0.75% of the greater of the AV and the PWV is in addition to 1.65% annual charge of amounts invested in the Sub-accounts (in Annuity Years 1-10) and 0.65% annual charge of amounts invested in the Sub-accounts in subsequent Annuity Years. 2 Spousal Highest Daily Lifetime 7 Plus. Charge for this benefit is assessed against the greater of the Account Value ("AV") and the Protected Withdrawal Value ("PWV"). As discussed in the description of the benefit, the charge is taken out of the Sub-accounts. For AS Cornerstone, 0.90% of the greater of the AV and the PWV is in addition to 1.15% annual charge of amounts invested in the Sub-accounts. For ASL II, 0.90% of the greater of the AV and the PWV is in addition to 1.65% annual charge of amounts invested in the Sub-accounts. For XT6, 0.90% of the greater of the AV and the PWV is in addition to 1.65% annual charge of amounts invested in the Sub-accounts (in Annuity Years 1-10) and 0.65% annual charge of amounts invested in the Sub-accounts in subsequent Annuity Years. Highest Daily Lifetime 7 Plus with BIO. Charge for this benefit is assessed against the greater of the Account Value ("AV") and the Protected Withdrawal Value ("PWV"). As discussed in the description of the benefit, the charge is taken out of the Sub-accounts. For AS Cornerstone, 1.10% of the greater of the AV and the PWV is in addition to 1.15% annual charge of amounts invested in the Sub-accounts. For ASL II, 1.10% of the greater of the AV and the PWV is in addition to 1.65% annual charge of amounts invested in the Sub-accounts. For XT6, 1.10% of the greater of the AV and the PWV is in addition to 1.65% annual charge of amounts invested in the Sub-accounts (in Annuity Years 1-10) and 0.65% annual charge of amounts invested in the Sub-accounts in subsequent Annuity Years. Spousal Highest Daily Lifetime 7 Plus with BIO. Charge for this benefit is assessed against the greater of the Account Value ("AV") and the Protected Withdrawal Value ("PWV"). As discussed in the description of the benefit, the charge is taken out of the Sub-accounts. For AS Cornerstone, 1.10% of the greater of the AV and the PWV is in addition to 1.15% annual charge of amounts invested in the Sub-accounts. For ASL II, 1.10% of the greater of the AV and the PWV is in addition to 1.65% annual charge of amounts invested in the Sub-accounts. For XT6, 1.10% of the greater of the AV and the PWV is in addition to 1.65% annual charge of amounts invested in the Sub-accounts (in Annuity Years 1-10) and 0.65% annual charge of amounts invested in the Sub-accounts in subsequent Annuity Years. Highest Daily Lifetime 7 Plus with LIA. Charge for this benefit is assessed against the greater of the Account Value ("AV") and the Protected Withdrawal Value ("PWV"). As discussed in the description of the benefit, the charge is taken out of the Sub-accounts. For AS Cornerstone, 1.10% of the greater of the AV and the PWV is in addition to 1.15% annual charge of amounts invested in the Sub-accounts. For ASL II, 1.10% of the greater of the AV and the PWV is in addition to 1.65% annual charge of amounts invested in the Sub-accounts. For XT6, 1.10% of the greater of the AV and the PWV is in addition to 1.65% annual charge of amounts invested in the Sub-accounts (in Annuity Years 1-10) and 0.65% annual charge of amounts invested in the Sub-accounts in subsequent Annuity Years. 2. The Total Annual Charge includes the Insurance Charge and Distribution Charge (if applicable) assessed against the average daily net assets allocated to the Sub-accounts. If you elect more than one optional benefit, the Total Annual Charge would be increased to include the charge for each optional benefit. 3. We reserve the right to increase the charge to the maximum charge indicated, upon any step-up or reset under the benefit, or new election of the benefit. 3 CORNERSUP4 -----END PRIVACY-ENHANCED MESSAGE-----