American Skandia Life Assurance Corporation
                                                   One Corporate Drive
                                                Shelton, Connecticut 06484

                                                          Rider
                                            Guaranteed Minimum Income Benefit

This Guaranteed Minimum Income Benefit Rider is attached to, and becomes part of, your Annuity.  If the terms of the
Annuity and those of this Rider conflict, the provisions of this Rider shall control.

General:  This Rider outlines the requirements for a program designed to guarantee that a minimum amount will be
available after at least a minimum amount of time as the basis for a series of annuity payments, irrespective of the
changes in your Account Value due to the performance of the investment options before such annuity payments begin.  This
minimum amount is called the "Protected Value."  The amount of time is called the "Waiting Period."  The initial
Protected Value is an amount determined at the beginning of the Waiting Period.  During the Waiting Period this amount
is increased by an interest factor called the "Roll-Up Percentage."

The Protected Value only has value in relation to this Guaranteed Minimum Income Benefit - it is not an amount available
for surrender or partial withdrawals.  Also it is not used in the calculation of annuity payments under the regular
annuity options of your Annuity, calculation of any guaranteed minimum death benefit provided by your Annuity or
calculation of any other benefit provided by any other rider attached to your Annuity.

Some of the requirements for the program include, but are not limited to, the length of the Waiting Period, how we
calculate the Protected Value, the impact of withdrawals during the Waiting Period, the types of annuity payments
payable, and the factors we use in calculating the annuity payments.

There is a charge for this benefit.  It is shown in the Schedule Supplement.

Effective Date of the Rider:  The effective date of this Rider is shown in the Schedule Supplement.

Mechanics of a Program

A.     Start of a Program:  As of the effective date of the Rider or of any reset of this benefit, as described below in
       the section entitled "Resets", the Protected Value, the Waiting Period and the Roll-Up Percentage are as follows:

       1.     Protected Value:  Your initial Protected Value is the Account Value on the effective date of the Rider or
              the date of any reset.

       2.     Waiting Period:  The Waiting Period is shown in the Schedule Supplement. It is the minimum amount of time
              that must pass between the later of the effective date of this Rider, or the date of any reset, until
              annuity payments may begin.

       3.     Roll-Up Percentage:  The Roll-Up Percentage is shown in the Schedule Supplement.

B.     During the Waiting Period:  During the Waiting Period, your Protected Value increases and various transactions
       have an impact on your Protected Value, as described below.  It also increases in the same manner beyond the
       Waiting Period, subject to the limitations discussed below, until you exercise the benefit as discussed below in
       the section entitled "Exercising the Benefit."


1.       Calculating the Protected Value:  Subject to limits called the "Cap" and the "Roll-Up Cut-Off Date" discussed
              below, we calculate the Protected Value as follows:

a.       We increase the Protected Value each day by the daily equivalent of the Roll-Up Percentage.

b.       We add to the Protected Value an amount equal to any Net Purchase Payment and any credits allocated to Account
                    Value in relation to Purchase Payments received after the Waiting Period begins.  Also, we increase
                    the value of these additions each day by the daily equivalent of the Roll-Up Percentage, starting on
                    the date such amounts are allocated to your Account Value.

c.       We reduce the Protected Value if you take partial withdrawals.  Subsequent to a partial withdrawal, increases
                    due to the Roll-Up Percentage apply to the Protected Value reduced by the effect of the partial
                    withdrawal.

                    The effect of a partial withdrawal of Account Value depends on a number of factors, as follows:

i.       Before the Protected Value reaches either the Cap or this benefit reaches the Roll-Up Cut-Off Date:  We reduce
                         the Protected Value by the exact amount of any cumulative partial withdrawals of Account Value
                         in an Annuity Year that do not exceed the "Dollar-for-Dollar Limit."  The Dollar-for-Dollar
                         Limit from the effective date of the Rider up to the following anniversary of the Issue Date of
                         the Annuity is a percentage of the initial Protected Value.  On or after the first anniversary
                         of the Issue Date of the Annuity subsequent to the effective date of this Rider, the
                         Dollar-for-Dollar Limit is a percentage of the Protected Value as of the anniversary of the
                         Annuity's Issue Date for that Annuity Year.  This percentage is shown in the Supplemental
                         Schedule as the Dollar-for-Dollar Limit Percentage.

                         We also reduce the Protected Value in relation to any cumulative partial withdrawals of Account
                         Value in an Annuity Year that exceed the Dollar-for-Dollar Limit.  We determine the reduction in
                         relation to the entire amount of each such withdrawal at the time it occurs, as follows:

                         The Protected Value after the withdrawal equals the Protected Value immediately before the
                         withdrawal less the sum of (A) and (B); where:

                         (A)   is the Remaining Dollar-for-Dollar Amount before the withdrawal, which is defined below;
                               and

                         (B)   is the result of multiplying (1) times (2), where:

                               (1)    is the Protected Value immediately before the withdrawal less the Remaining
                                      Dollar-for-Dollar Amount before the withdrawal; and

                               (2)    is an adjustment factor of (a) divided by (b), where:

                                      (a)   is the current withdrawal amount less the Remaining Dollar-for-Dollar Amount
                                            immediately before the withdrawal; and

                                      (b)   is your Account Value immediately before the withdrawal less the Remaining
                                            Dollar-for-Dollar Amount immediately before the withdrawal.

                                      The Remaining Dollar-for-Dollar Amount is the then current Dollar-for-Dollar Limit
                                      before the withdrawal less cumulative withdrawals in that Annuity Year before the
                                      current withdrawal, but not less than zero.

ii.      If the Protected Value equals the Cap or this benefit reaches the Roll-Up Cut-Off Date:  We reduce the
                         Protected Value proportionately in relation to all withdrawals taken on or after the anniversary
                         of the Annuity's Issue Date that occurs on or immediately after the date the Protected Value
                         equals the Cap or this benefit reaches the Roll-Up Cut-Off Date.  The proportion as to any
                         withdrawal equals the proportionate reduction in the Account Value as a result of such
                         withdrawal.

              d.    The Protected Value is limited by a "Cap."  Until the Protected Value first increases to the level
                    of the Cap, the Cap equals i. less ii; where:

                    i.   equals the Cap Percentage shown in the Schedule Supplement times the sum of the Protected Value
                         at the beginning of the Waiting Period and all Net Purchase Payments and any credits we provide
                         in relation to Purchase Payments received after the Waiting Period begins; and

                    ii.  equals the sum of all reductions due to withdrawals as calculated in c., above.

                    Once the Protected Value has reached the Cap, the Protected Value is increased by the amount of any
                    additional Net Purchase Payments and any credits we provide in relation to Purchase Payments
                    received after the Cap is first reached, and is reduced due to withdrawals as calculated in c.,
                    above.

              e.    We stop increasing the Protected Value by the Roll-Up Percentage as of the date called the "Roll-Up
                    Cut-Off Date."  The Roll-Up Cut-Off Date is shown in the Schedule Supplement.  The Protected Value
                    is increased by additional Net Purchase Payments received after the Roll-Up Cut-Off Date and any
                    credits we provide in relation to Purchase Payments allocated after the Roll-Up Cut-Off Date.  We
                    decrease the Protected Value by the effect of any partial withdrawals occurring after the Roll-Up
                    Cut-Off Date.  The decrease is calculated as noted in c.ii, above.

       2.     Investment Limitations:  As part of the consideration for the benefit provided by this Rider, we may limit
              the investment options in which you may allocate Account Value after the Waiting Period begins.  Also, we
              may require that you maintain Account Value in accordance with an asset allocation model.  We may implement
              such requirements at any time and continue such requirements to the date this Guaranteed Minimum Income
              Benefit is terminated.  The limits are as follows:

              a.    Limitations on Investment Options:  We may limit the investment options in which you may allocate
                    Account Value.  Should we prohibit access to any investment option, any transfers required to move
                    Account Value to eligible investment options will not be counted in determining the number of free
                    transfers during an Annuity Year.

              b.    Asset Allocation Model:  If we require that you invest in accordance with a model, we may use a
                    model we develop and maintain or we may elect to follow a model provided by an independent third
                    party.  We may change the model applicable to your Annuity.

                    The model will specify a number of categories in which Account Value must be allocated.  You must
                    complete each category by allocating Account Value to Sub-accounts eligible for each separate
                    category.  We reserve the right to require that you use only one eligible Sub-account at a time to
                    complete each category.

                    We determine which Sub-accounts are eligible for each category or we may elect to follow the
                    recommendations of an independent third party.  We may at any time make new determinations as to
                    which Sub-accounts are eligible for each category.  We may do so for a variety of reasons including,
                    but not limited to, a change in the investment objectives or policies of an underlying mutual fund
                    or portfolio, or failure, in our sole determination, of such mutual fund or portfolio to invest in
                    accordance with its stated investment objective or policies.

                    Any transfers required to comport with the model or as a result of new determinations as to the
                    Sub-accounts available in a category will not be subject to any transfer fee and will not count
                    against any total of free transfers per Annuity Year.

                    You may transfer Account Value maintained in a category to other eligible Sub-accounts for that
                    category, subject to the transfer provisions of your Annuity.

                    We rebalance the Account Value periodically among categories using the then current percentages of
                    the asset allocation model.  We expect that the current percentages for each category may change
                    from time to time.  Any change in the current percentages will become effective not later than the
                    next rebalancing of Account Value occurring on or immediately after the date of the change.

                    We also may make multiple models available. We reserve the right to require that you use only one
                    model at a time.  You may transfer Account Value as required to change from the allocations required
                    by one model to the allocations required by another model, subject to the transfer provisions of
                    your Annuity.

                    We may not require you to use an asset allocation model because of the investment limitations
                    required under another optional benefit you elect.  If you terminate such an optional benefit, we
                    will allocate your account value in accordance with an asset allocation model and to Sub-accounts
                    within the model of our choice unless you provide us with instructions prior to terminating that
                    optional benefit.

       3.     Resets:  The following information is shown in the Schedule Supplement regarding resets:

              a.    the amount of times you may reset this benefit, if any;

              b.    the amount of times you reset this benefit without being subject to a possible increase in the
                    charge for this benefit, if applicable; and

              c.    the reset age limit, if applicable.  Resets must occur before the Annuitant reaches this age.

              Unless you request otherwise, resets occur as of the Valuation Period we receive your request at our
              Office.  We will not accept a request to reset the benefit later than 30 days after we receive your
              request.

              The initial Protected Value upon reset is the Account Value as of the Valuation Period the reset takes
              effect.  The new Waiting Period starts as of that same date.  All prior Net Purchase Payments, credits or
              reductions due to partial withdrawals prior to the reset are ignored for purposes of calculating the
              Protected Value and the Cap.  The effective date of the reset is used in calculating applicable annuity
              rates if and when this benefit is exercised.  However, the Benefit Exercise Limit does not change.

       4.     Charge for the Rider:  The charge is shown in the Schedule Supplement.  It is a percentage of the average
              Protected Value between the date of the prior charge (or the effective date of this Rider if no prior
              charge has been assessed) to the date as of which the charge is applied. The charge is taken pro-rata from
              the investment options in which you maintain Account Value as of the date the charge is due.  No market
              value adjustment applies to amounts withdrawn from any Fixed Allocation to pay this charge.

              The charge is applied on each anniversary of the Annuity's Issue Date while this Rider is in effect.  A
              pro-rata portion of the charge is applied when the following transactions occur on any Valuation Period
              other than such an anniversary:  (a) Account Value is moved from the Annuity's investment options to begin
              annuity payments; (b) elective termination of this Rider; (c) surrender; and (d) a partial withdrawal of a
              size which leads us to send you any remaining Surrender Value according to the terms of your Annuity.

              Upon any reset, we may increase the charge to that then applicable to new annuity purchasers of the same
              class of Annuities.  However, if applicable, a limited number of   resets noted in the Schedule Supplement
              will not be subject to such an increase.

              Your charge may depend on the other optional benefits you elect, and the combined risk we incur in offering
              those specific benefits.  Should you elect to terminate one of the other optional benefits that we took
              into consideration in determining your charge, or if the spouse continues the Annuity with this benefit but
              the other optional benefits we took into consideration cease due to death, we may increase your charge for
              this benefit to that which would have applied as of the effective date of this Rider had you not elected
              the other applicable benefit or benefits.  This amount is shown in your Schedule Supplement, if applicable.

       5.     Continuation by a Spouse Beneficiary:  If the Annuity is continued by a spouse Beneficiary, this Rider
              continues in effect.  This continuation does not change the then current Protected Value, Waiting Period,
              Cap or the number of times the benefit may be reset.  However, if the Annuitant designation is changed, the
              Roll-Up Cut-Off Date may change as noted in the Change of Annuitant section, below.  The charge will not be
              affected unless it took into consideration other optional benefits and those other benefits are no longer
              in effect due to the death.

       6.     Changing the Annuitant:  If you change the Annuitant designation, we calculate the Roll-Up Cut-Off Date
              based on the age of the new Annuitant.  However, changing the Annuitant designation, for whatever reason,
              may result in automatic termination of this Rider, as indicated in the Termination section, below.

       7.     Limitation on Additional Purchase Payments:  We may limit additional Purchase Payments if we determine that
              as a result of the timing and amounts of your Additional Purchase Payments and partial withdrawals, the
              Protected Value is being increased in an unintended fashion.  Among the factors we will use in making a
              determination as to whether an action is designed to artificially increase the Protected Value is the
              relative size of Additional Purchase Payments.

       8.     Maximum Protected Value per Life:  Any applicable maximum Protected Value applicable to any Annuitant is
              shown in the Schedule Supplement.   This maximum would apply irrespective of the Cap, the Roll-Up Cut-Off
              Date, any additional Purchase Payments, any resets or the purchase of other annuities from us providing for
              this or any equivalent guaranteed minimum income benefit.

       9.     Termination of this Rider: Termination of this Rider is subject to the following rules:

              a.    Elective Termination:  Whether you may elect to terminate this Rider, and, if applicable, when you
                    may terminate this Rider is shown in the Schedule Supplement.

              b.    Termination due to Death:  This Rider terminates automatically as of the date the Annuity's death
                    benefit is payable, unless the Annuity is continued by a spouse Beneficiary.

              c.    Termination resulting from the start of Annuity Payments:  This Rider terminates automatically as of
                    the date we transfer all Account Value in order to begin annuity payments, whether pursuant to your
                    decision to exercise this benefit or pursuant to the annuity options of your Annuity.

              d.    Termination upon Surrender:  This Rider terminates upon surrender of the Annuity to which it is
                    attached.

              e.    Termination due to Annuitant Change:  This Rider will terminate automatically if you designate a new
                    Annuitant such that:

                    i.     The new Annuitant is older than the age for which we would then issue this benefit as of the
                           effective date of such a change; or

ii.      The Waiting Period would extend beyond any date that Annuity Payments would be required to begin in relation to
                           the age of the new Annuitant.

              f.    Termination Upon Reaching the Benefit Exercise Limit:  If you have not elected to exercise this
                    benefit, this Rider terminates automatically upon reaching the "Benefit Exercise Limit" shown in the
                    Schedule Supplement,as discussed below in the section titled "Exercising the Benefit."

              If this Rider terminates pursuant to subsections a. or e. above, we will consider you to have elected to
              remain in any applicable asset allocation program then in effect unless you instruct us otherwise.

C.     Annuity Payment Options:  We guarantee to make available annuity payments under the payout options described
       below if you elect to exercise this benefit.  We may make other options available.  We make annuity payments to
       the Annuitant.  No surrenders or withdrawals are permitted under either option.  We may make payment frequencies
       other than monthly available.

       1.     Single Life and Certain Period Annuity:  Under this option we make fixed monthly payments while the
              Annuitant is alive.  However, if the Annuitant dies in the first ten years, we pay any remaining payments
              to your Annuity's Beneficiary until the end of the ten-year period.  The ten years are measured from the
              Valuation Period this option takes effect.

       2.     Joint Life and Certain Period Annuity:  Under this option, we make fixed monthly payments while either the
              Annuitant or any named Co-Annuitant are alive.  However, the level of payments subsequent to the first
              death of the Annuitant or Co-Annuitant may differ as follows:

              i.  If the Annuitant is the survivor, the level of payments does not change.

              ii. If the Co-Annuitant is the survivor, the level of payments after ten years, measured from the
                  Valuation Period this option takes effect, is 50% of the prior payments.

              However, if both the Annuitant and Co-Annuitant die in the first ten years, we pay the remaining payments
              to your Annuity's Beneficiary until the end of the ten-year period.  The ten years are measured from the
              Valuation Period this option takes effect.

D.     Exercising the Benefit:  You are not required to exercise this benefit and begin to take annuity payments under
       the options described above.  You may exercise the benefit as of the end of the Waiting Period, or as of any
       subsequent anniversary of the end of the Waiting Period, until the "Benefit Exercise Limit" shown in the Schedule
       Supplement.  If you reset the Waiting Period, the earliest you may exercise the benefit is as of the end of the
       reset Waiting Period.

       You must notify us at our Office of your desire to exercise the benefit within 30 days after the end of the
       Waiting Period or any subsequent anniversary of the end of the Waiting Period until the Benefit Exercise Limit.
       We may require you to provide notice In Writing.

E.     Calculating Annuity Payments:  Based on the annuity payment option you elect, the annuity payment amount will be
       the higher of 1. and 2., each less applicable taxes; where

1.       is the amount that would be payable by applying your Account Value to our then current annuity rates per $1,000
              of Account Value for such option; and

2.       is the amount payable by applying your Protected Value to the annuity rates per $1,000 of Protected Value
              applicable to this Guaranteed Minimum Income Benefit ("GMIB"), as described below.  These GMIB annuity
              rates may be lower than the guaranteed minimum annuity rates applicable for annuity options provided in
              your Annuity.

              The annuity rates are based on the Adjusted Age, and where permitted by law, the gender of the Annuitant
              and any Co-Annuitant.

F.     GMIB Annuity Rates:  The GMIB annuity rates in the tables below assume payments for life and 120 monthly certain
       payments, and are based on an interest rate and a mortality rate, as follows:

1.       Interest rate:  The interest rate used is an effective annual interest rate.  The rate to be used depends on
              the number of completed years since the later of the effective date of the Rider or the effective date of
              the last reset.  The applicable interest rates are shown below.  The applicable table of annuity rates to
              be used also depends on the number of completed years since the later of the effective date of the Rider or
              the effective date of the last reset, as shown below.

                                                  Completed Number
                                           of Years since the Later of the
                 Applicable                Effective Date of the Rider or
                     Table              the Effective Date of the Last Reset             Interest Rate
                 -------------          ------------------------------------             -------------
                      A                               9 or less                              2.00%
                      B                              10 or more                              2.50%

       2.     Mortality Rate:  The mortality rate is based on the Annuity 2000 valuation mortality table, with four-year
              setbacks, ten-year generational setbacks and projected mortality improvement factors (modified Scale G)
              projected from the age at annuitization to the age at which the probability of survival is needed in the
              calculation of the annuity payment.  Where required by law or regulation, we will use an equivalent unisex
              mortality table.

       The rates below in Tables A and B are based on the Annuitant's Adjusted Age.  The Adjusted Age is the Annuitant's
       age last birthday prior to the day on which the first annuity payment is due, adjusted as shown in the
       "Translation of Adjusted Age" Table, which follows.


                                                         Table A

--------------- ----------- ------------ ------------- ------------- ------------ ------------- ------------ -----------
   Adjusted                              Adjusted Age                             Adjusted Age
     Age           Male       Female                       Male        Female                      Male        Female
--------------- ----------- ------------ ------------- ------------- ------------ ------------- ------------ -----------
--------------- ----------- ------------ ------------- ------------- ------------ ------------- ------------ -----------
      41          $2.74        $2.60          61          $3.92         $3.61          81          $6.81       $6.41
--------------- ----------- ------------ ------------- ------------- ------------ ------------- ------------ -----------
--------------- ----------- ------------ ------------- ------------- ------------ ------------- ------------ -----------
      42           2.78        2.63           62           4.01         3.69           82          7.00         6.62
--------------- ----------- ------------ ------------- ------------- ------------ ------------- ------------ -----------
--------------- ----------- ------------ ------------- ------------- ------------ ------------- ------------ -----------
      43           2.82        2.67           63           4.11         3.77           83          7.18         6.83
--------------- ----------- ------------ ------------- ------------- ------------ ------------- ------------ -----------
--------------- ----------- ------------ ------------- ------------- ------------ ------------- ------------ -----------
      44           2.86        2.70           64           4.21         3.86           84          7.36         7.04
--------------- ----------- ------------ ------------- ------------- ------------ ------------- ------------ -----------
--------------- ----------- ------------ ------------- ------------- ------------ ------------- ------------ -----------
      45           2.90        2.74           65           4.32         3.96           85          7.53         7.24
--------------- ----------- ------------ ------------- ------------- ------------ ------------- ------------ -----------
--------------- ----------- ------------ ------------- ------------- ------------ ------------- ------------ -----------
      46           2.95        2.77           66           4.43         4.06           86          7.70         7.44
--------------- ----------- ------------ ------------- ------------- ------------ ------------- ------------ -----------
--------------- ----------- ------------ ------------- ------------- ------------ ------------- ------------ -----------
      47           2.99        2.81           67           4.56         4.17           87          7.86         7.64
--------------- ----------- ------------ ------------- ------------- ------------ ------------- ------------ -----------
--------------- ----------- ------------ ------------- ------------- ------------ ------------- ------------ -----------
      48           3.04        2.85           68           4.68         4.28           88          8.01         7.82
--------------- ----------- ------------ ------------- ------------- ------------ ------------- ------------ -----------
--------------- ----------- ------------ ------------- ------------- ------------ ------------- ------------ -----------
      49           3.09        2.90           69           4.81         4.40           89          8.16         7.99
--------------- ----------- ------------ ------------- ------------- ------------ ------------- ------------ -----------
--------------- ----------- ------------ ------------- ------------- ------------ ------------- ------------ -----------
      50           3.15        2.94           70           4.95         4.52           90          8.29         8.15
--------------- ----------- ------------ ------------- ------------- ------------ ------------- ------------ -----------
--------------- ----------- ------------ ------------- ------------- ------------ ------------- ------------ -----------
      51           3.20        2.99           71           5.10         4.66           91          8.41         8.29
--------------- ----------- ------------ ------------- ------------- ------------ ------------- ------------ -----------
--------------- ----------- ------------ ------------- ------------- ------------ ------------- ------------ -----------
      52           3.26        3.04           72           5.25         4.80           92          8.52         8.42
--------------- ----------- ------------ ------------- ------------- ------------ ------------- ------------ -----------
--------------- ----------- ------------ ------------- ------------- ------------ ------------- ------------ -----------
      53           3.32        3.09           73           5.41         4.94           93          8.62         8.54
--------------- ----------- ------------ ------------- ------------- ------------ ------------- ------------ -----------
--------------- ----------- ------------ ------------- ------------- ------------ ------------- ------------ -----------
      54           3.38        3.14           74           5.57         5.10           94          8.72         8.64
--------------- ----------- ------------ ------------- ------------- ------------ ------------- ------------ -----------
--------------- ----------- ------------ ------------- ------------- ------------ ------------- ------------ -----------
      55           3.45        3.20           75           5.73         5.27           95          8.80         8.74
--------------- ----------- ------------ ------------- ------------- ------------ ------------- ------------ -----------
--------------- ----------- ------------ ------------- ------------- ------------ ------------- ------------ -----------
      56           3.51        3.26           76           5.91         5.44
--------------- ----------- ------------ ------------- ------------- ------------ ------------- ------------ -----------
--------------- ----------- ------------ ------------- ------------- ------------ ------------- ------------ -----------
      57           3.59        3.32           77           6.08         5.62
--------------- ----------- ------------ ------------- ------------- ------------ ------------- ------------ -----------
--------------- ----------- ------------ ------------- ------------- ------------ ------------- ------------ -----------
      58           3.66        3.39           78           6.26         5.81
--------------- ----------- ------------ ------------- ------------- ------------ ------------- ------------ -----------
--------------- ----------- ------------ ------------- ------------- ------------ ------------- ------------ -----------
      59           3.74        3.40           79           6.44         6.00
--------------- ----------- ------------ ------------- ------------- ------------ ------------- ------------ -----------
--------------- ----------- ------------ ------------- ------------- ------------ ------------- ------------ -----------
      60           3.83        3.53           80           6.63         6.20
--------------- ----------- ------------ ------------- ------------- ------------ ------------- ------------ -----------




                                                         Table B

--------------- ----------- ------------ ------------- ------------ ------------- ------------- ----------- ------------
   Adjusted                              Adjusted Age                             Adjusted Age
     Age           Male       Female                      Male         Female                      Male       Female
--------------- ----------- ------------ ------------- ------------ ------------- ------------- ----------- ------------
--------------- ----------- ------------ ------------- ------------ ------------- ------------- ----------- ------------
      41          $3.03        $2.89          61          $4.19        $3.88           81         $7.06        $6.66
--------------- ----------- ------------ ------------- ------------ ------------- ------------- ----------- ------------
--------------- ----------- ------------ ------------- ------------ ------------- ------------- ----------- ------------
      42           3.07        2.92           62          4.28          3.96           82          7.24        6.87
--------------- ----------- ------------ ------------- ------------ ------------- ------------- ----------- ------------
--------------- ----------- ------------ ------------- ------------ ------------- ------------- ----------- ------------
      43           3.11        2.95           63          4.38          4.04           83          7.42        7.07
--------------- ----------- ------------ ------------- ------------ ------------- ------------- ----------- ------------
--------------- ----------- ------------ ------------- ------------ ------------- ------------- ----------- ------------
      44           3.15        2.99           64          4.48          4.13           84          7.60        7.28
--------------- ----------- ------------ ------------- ------------ ------------- ------------- ----------- ------------
--------------- ----------- ------------ ------------- ------------ ------------- ------------- ----------- ------------
      45           3.19        3.02           65          4.59          4.23           85          7.77        7.49
--------------- ----------- ------------ ------------- ------------ ------------- ------------- ----------- ------------
--------------- ----------- ------------ ------------- ------------ ------------- ------------- ----------- ------------
      46           3.23        3.06           66          4.70          4.33           86          7.94        7.68
--------------- ----------- ------------ ------------- ------------ ------------- ------------- ----------- ------------
--------------- ----------- ------------ ------------- ------------ ------------- ------------- ----------- ------------
      47           3.28        3.10           67          4.82          4.43           87          8.10        7.87
--------------- ----------- ------------ ------------- ------------ ------------- ------------- ----------- ------------
--------------- ----------- ------------ ------------- ------------ ------------- ------------- ----------- ------------
      48           3.33        3.14           68          4.95          4.54           88          8.25        8.05
--------------- ----------- ------------ ------------- ------------ ------------- ------------- ----------- ------------
--------------- ----------- ------------ ------------- ------------ ------------- ------------- ----------- ------------
      49           3.38        3.18           69          5.08          4.66           89          8.39        8.22
--------------- ----------- ------------ ------------- ------------ ------------- ------------- ----------- ------------
--------------- ----------- ------------ ------------- ------------ ------------- ------------- ----------- ------------
      50           3.43        3.22           70          5.22          4.79           90          8.52        8.38
--------------- ----------- ------------ ------------- ------------ ------------- ------------- ----------- ------------
--------------- ----------- ------------ ------------- ------------ ------------- ------------- ----------- ------------
      51           3.48        3.27           71          5.37          4.92           91          8.64        8.52
--------------- ----------- ------------ ------------- ------------ ------------- ------------- ----------- ------------
--------------- ----------- ------------ ------------- ------------ ------------- ------------- ----------- ------------
      52           3.54        3.32           72          5.51          5.06           92          8.75        8.65
--------------- ----------- ------------ ------------- ------------ ------------- ------------- ----------- ------------
--------------- ----------- ------------ ------------- ------------ ------------- ------------- ----------- ------------
      53           3.60        3.37           73          5.67          5.21           93          8.85        8.77
--------------- ----------- ------------ ------------- ------------ ------------- ------------- ----------- ------------
--------------- ----------- ------------ ------------- ------------ ------------- ------------- ----------- ------------
      54           3.66        3.42           74          5.83          5.36           94          8.94        8.87
--------------- ----------- ------------ ------------- ------------ ------------- ------------- ----------- ------------
--------------- ----------- ------------ ------------- ------------ ------------- ------------- ----------- ------------
      55           3.72        3.48           75          6.00          5.53           95          9.02        8.96
--------------- ----------- ------------ ------------- ------------ ------------- ------------- ----------- ------------
--------------- ----------- ------------ ------------- ------------ ------------- ------------- ----------- ------------
      56           3.79        3.54           76          6.17          5.70
--------------- ----------- ------------ ------------- ------------ ------------- ------------- ----------- ------------
--------------- ----------- ------------ ------------- ------------ ------------- ------------- ----------- ------------
      57           3.86        3.60           77          6.34          5.88
--------------- ----------- ------------ ------------- ------------ ------------- ------------- ----------- ------------
--------------- ----------- ------------ ------------- ------------ ------------- ------------- ----------- ------------
      58           3.94        3.66           78          6.52          6.06
--------------- ----------- ------------ ------------- ------------ ------------- ------------- ----------- ------------
--------------- ----------- ------------ ------------- ------------ ------------- ------------- ----------- ------------
      59           4.02        3.73           79          6.70          6.26
--------------- ----------- ------------ ------------- ------------ ------------- ------------- ----------- ------------
--------------- ----------- ------------ ------------- ------------ ------------- ------------- ----------- ------------
      60           4.10        3.80           80          6.88          6.46
--------------- ----------- ------------ ------------- ------------ ------------- ------------- ----------- ------------


                                            Translation of Adjusted Ages Table


------------------------------- ------------------------ ----------------------------- ------------------------
    Calendar Year in Which           Adjusted Age           Calendar Year in Which          Adjusted Age
     First Payment Is Due                                    First Payment Is Due
------------------------------- ------------------------ ----------------------------- ------------------------
------------------------------- ------------------------ ----------------------------- ------------------------
      2010 through 2019           Actual Age minus 1          2060 through 2069          Actual Age minus 6
------------------------------- ------------------------ ----------------------------- ------------------------
------------------------------- ------------------------ ----------------------------- ------------------------
      2020 through 2029           Actual Age minus 2          2070 through 2079          Actual Age minus 7
------------------------------- ------------------------ ----------------------------- ------------------------
------------------------------- ------------------------ ----------------------------- ------------------------
      2030 through 2039           Actual Age minus 3          2080 through 2089          Actual Age minus 8
------------------------------- ------------------------ ----------------------------- ------------------------
------------------------------- ------------------------ ----------------------------- ------------------------
      2040 through 2049           Actual Age minus 4          2090 through 2099          Actual Age minus 9
------------------------------- ------------------------ ----------------------------- ------------------------
------------------------------- ------------------------ ----------------------------- ------------------------
      2050 through 2059           Actual Age minus 5
------------------------------- ------------------------ ----------------------------- ------------------------










                                       AMERICAN SKANDIA LIFE ASSURANCE CORPORATION



                                         ----------------------------------------
                                                        President

RID-GMIB (5/03)