POWER OF ATTORNEY




         KNOW  ALL MEN BY  THESE  PRESENTS,  that the  undersigned  director  of
American  Skandia Life Assurance  Corporation,  a Connecticut  corporation  (the
"Corporation"), does hereby make, constitute and appoint Mary Priscilla Pannell,
Corporate Secretary of the Corporation, and in her absence, Kathleen A. Chapman,
Assistant Corporate Secretary, as his true and lawful attorney-in-fact and agent
with all  power  and  authority  on his  behalf  to sign her name on any and all
registration   statements,   applications  for  exemptive   relief,   documents,
instruments,  and/or exhibits related thereto and any and all amendments thereto
(including any and all pre- and  post-effective  amendments to any  registration
statement) on any form or forms for the purpose of registering Annuity, Variable
Annuity and Variable Life  Insurance  products  under the Securities Act of 1933
and the  Investment  Company  Act of 1940,  with  the  Securities  and  Exchange
Commission,  granting  unto  said  attorney-in-fact  and  agent  full  power and
authority  to do and  perform  each and  every  act  authorized  by the Power of
Attorney  and the  undersigned  does  hereby  ratify and  confirm  all that said
attorney-in-fact  and  agent  may  lawfully  do or  cause  to be done by  virtue
thereof.


         IN WITNESS WHEREOF,  the undersigned has subscribed  hereunder this 1st
         day of October, 1997.



                                                              /s/Jan R. Carendi
                                                                 Jan R. Carendi














                                POWER OF ATTORNEY




         KNOW  ALL MEN BY  THESE  PRESENTS,  that the  undersigned  director  of
American  Skandia Life Assurance  Corporation,  a Connecticut  corporation  (the
"Corporation"), does hereby make, constitute and appoint Mary Priscilla Pannell,
Corporate Secretary of the Corporation, and in her absence, Kathleen A. Chapman,
Assistant Corporate Secretary, as his true and lawful attorney-in-fact and agent
with all  power  and  authority  on his  behalf  to sign her name on any and all
registration   statements,   applications  for  exemptive   relief,   documents,
instruments,  and/or exhibits related thereto and any and all amendments thereto
(including any and all pre- and  post-effective  amendments to any  registration
statement) on any form or forms for the purpose of registering Annuity, Variable
Annuity and Variable Life  Insurance  products  under the Securities Act of 1933
and the  Investment  Company  Act of 1940,  with  the  Securities  and  Exchange
Commission,  granting  unto  said  attorney-in-fact  and  agent  full  power and
authority  to do and  perform  each and  every  act  authorized  by the Power of
Attorney  and the  undersigned  does  hereby  ratify and  confirm  all that said
attorney-in-fact  and  agent  may  lawfully  do or  cause  to be done by  virtue
thereof.


         IN WITNESS WHEREOF,  the undersigned has subscribed  hereunder this 1st
         day of October, 1997.



                                                           /s/Gordon C. Boronow
                                                              Gordon C. Boronow












                                POWER OF ATTORNEY




         KNOW  ALL MEN BY  THESE  PRESENTS,  that the  undersigned  director  of
American  Skandia Life Assurance  Corporation,  a Connecticut  corporation  (the
"Corporation"), does hereby make, constitute and appoint Mary Priscilla Pannell,
Corporate Secretary of the Corporation, and in her absence, Kathleen A. Chapman,
Assistant Corporate Secretary, as his true and lawful attorney-in-fact and agent
with all  power  and  authority  on his  behalf  to sign her name on any and all
registration   statements,   applications  for  exemptive   relief,   documents,
instruments,  and/or exhibits related thereto and any and all amendments thereto
(including any and all pre- and  post-effective  amendments to any  registration
statement) on any form or forms for the purpose of registering Annuity, Variable
Annuity and Variable Life  Insurance  products  under the Securities Act of 1933
and the  Investment  Company  Act of 1940,  with  the  Securities  and  Exchange
Commission,  granting  unto  said  attorney-in-fact  and  agent  full  power and
authority  to do and  perform  each and  every  act  authorized  by the Power of
Attorney  and the  undersigned  does  hereby  ratify and  confirm  all that said
attorney-in-fact  and  agent  may  lawfully  do or  cause  to be done by  virtue
thereof.


         IN WITNESS WHEREOF,  the undersigned has subscribed  hereunder this 1st
         day of October, 1997.



                                                         /s/Malcolm M. Campbell
                                                            Malcolm M. Campbell













                                POWER OF ATTORNEY




         KNOW  ALL MEN BY  THESE  PRESENTS,  that the  undersigned  director  of
American  Skandia Life Assurance  Corporation,  a Connecticut  corporation  (the
"Corporation"), does hereby make, constitute and appoint Mary Priscilla Pannell,
Corporate Secretary of the Corporation, and in her absence, Kathleen A. Chapman,
Assistant Corporate Secretary, as his true and lawful attorney-in-fact and agent
with all  power  and  authority  on his  behalf  to sign her name on any and all
registration   statements,   applications  for  exemptive   relief,   documents,
instruments,  and/or exhibits related thereto and any and all amendments thereto
(including any and all pre- and  post-effective  amendments to any  registration
statement) on any form or forms for the purpose of registering Annuity, Variable
Annuity and Variable Life  Insurance  products  under the Securities Act of 1933
and the  Investment  Company  Act of 1940,  with  the  Securities  and  Exchange
Commission,  granting  unto  said  attorney-in-fact  and  agent  full  power and
authority  to do and  perform  each and  every  act  authorized  by the Power of
Attorney  and the  undersigned  does  hereby  ratify and  confirm  all that said
attorney-in-fact  and  agent  may  lawfully  do or  cause  to be done by  virtue
thereof.


         IN WITNESS WHEREOF,  the undersigned has subscribed  hereunder this 1st
         day of October, 1997.



                                                        /s/Henrik G. Danckwardt
                                                           Henrik G. Danckwardt













                                POWER OF ATTORNEY




         KNOW  ALL MEN BY  THESE  PRESENTS,  that the  undersigned  director  of
American  Skandia Life Assurance  Corporation,  a Connecticut  corporation  (the
"Corporation"), does hereby make, constitute and appoint Mary Priscilla Pannell,
Corporate Secretary of the Corporation, and in her absence, Kathleen A. Chapman,
Assistant Corporate Secretary, as his true and lawful attorney-in-fact and agent
with all  power  and  authority  on his  behalf  to sign her name on any and all
registration   statements,   applications  for  exemptive   relief,   documents,
instruments,  and/or exhibits related thereto and any and all amendments thereto
(including any and all pre- and  post-effective  amendments to any  registration
statement) on any form or forms for the purpose of registering Annuity, Variable
Annuity and Variable Life  Insurance  products  under the Securities Act of 1933
and the  Investment  Company  Act of 1940,  with  the  Securities  and  Exchange
Commission,  granting  unto  said  attorney-in-fact  and  agent  full  power and
authority  to do and  perform  each and  every  act  authorized  by the Power of
Attorney  and the  undersigned  does  hereby  ratify and  confirm  all that said
attorney-in-fact  and  agent  may  lawfully  do or  cause  to be done by  virtue
thereof.


         IN WITNESS WHEREOF,  the undersigned has subscribed  hereunder this 1st
         day of October, 1997.



                                                              /s/Wade A. Dokken
                                                                 Wade A. Dokken













                                POWER OF ATTORNEY




         KNOW  ALL MEN BY  THESE  PRESENTS,  that the  undersigned  director  of
American  Skandia Life Assurance  Corporation,  a Connecticut  corporation  (the
"Corporation"), does hereby make, constitute and appoint Mary Priscilla Pannell,
Corporate Secretary of the Corporation, and in her absence, Kathleen A. Chapman,
Assistant Corporate Secretary, as his true and lawful attorney-in-fact and agent
with all  power  and  authority  on his  behalf  to sign her name on any and all
registration   statements,   applications  for  exemptive   relief,   documents,
instruments,  and/or exhibits related thereto and any and all amendments thereto
(including any and all pre- and  post-effective  amendments to any  registration
statement) on any form or forms for the purpose of registering Annuity, Variable
Annuity and Variable Life  Insurance  products  under the Securities Act of 1933
and the  Investment  Company  Act of 1940,  with  the  Securities  and  Exchange
Commission,  granting  unto  said  attorney-in-fact  and  agent  full  power and
authority  to do and  perform  each and  every  act  authorized  by the Power of
Attorney  and the  undersigned  does  hereby  ratify and  confirm  all that said
attorney-in-fact  and  agent  may  lawfully  do or  cause  to be done by  virtue
thereof.


         IN WITNESS WHEREOF,  the undersigned has subscribed  hereunder this 2nd
         day of October, 1997.



                                                        /s/Thomas M. Mazzaferro
                                                           Thomas M. Mazzaferro














                                POWER OF ATTORNEY




         KNOW  ALL MEN BY  THESE  PRESENTS,  that the  undersigned  director  of
American  Skandia Life Assurance  Corporation,  a Connecticut  corporation  (the
"Corporation"), does hereby make, constitute and appoint Mary Priscilla Pannell,
Corporate Secretary of the Corporation, and in her absence, Kathleen A. Chapman,
Assistant Corporate Secretary, as his true and lawful attorney-in-fact and agent
with all  power  and  authority  on his  behalf  to sign her name on any and all
registration   statements,   applications  for  exemptive   relief,   documents,
instruments,  and/or exhibits related thereto and any and all amendments thereto
(including any and all pre- and  post-effective  amendments to any  registration
statement) on any form or forms for the purpose of registering Annuity, Variable
Annuity and Variable Life  Insurance  products  under the Securities Act of 1933
and the  Investment  Company  Act of 1940,  with  the  Securities  and  Exchange
Commission,  granting  unto  said  attorney-in-fact  and  agent  full  power and
authority  to do and  perform  each and  every  act  authorized  by the Power of
Attorney  and the  undersigned  does  hereby  ratify and  confirm  all that said
attorney-in-fact  and  agent  may  lawfully  do or  cause  to be done by  virtue
thereof.


         IN WITNESS WHEREOF,  the undersigned has subscribed  hereunder this 1st
         day of October, 1997.



                                                        /s/Anders O. Soderstrom
                                                           Anders O. Soderstrom













                                POWER OF ATTORNEY




         KNOW  ALL MEN BY  THESE  PRESENTS,  that the  undersigned  director  of
American  Skandia Life Assurance  Corporation,  a Connecticut  corporation  (the
"Corporation"), does hereby make, constitute and appoint Mary Priscilla Pannell,
Corporate Secretary of the Corporation, and in her absence, Kathleen A. Chapman,
Assistant Corporate Secretary, as his true and lawful attorney-in-fact and agent
with all  power  and  authority  on his  behalf  to sign her name on any and all
registration   statements,   applications  for  exemptive   relief,   documents,
instruments,  and/or exhibits related thereto and any and all amendments thereto
(including any and all pre- and  post-effective  amendments to any  registration
statement) on any form or forms for the purpose of registering Annuity, Variable
Annuity and Variable Life  Insurance  products  under the Securities Act of 1933
and the  Investment  Company  Act of 1940,  with  the  Securities  and  Exchange
Commission,  granting  unto  said  attorney-in-fact  and  agent  full  power and
authority  to do and  perform  each and  every  act  authorized  by the Power of
Attorney  and the  undersigned  does  hereby  ratify and  confirm  all that said
attorney-in-fact  and  agent  may  lawfully  do or  cause  to be done by  virtue
thereof.


         IN WITNESS WHEREOF,  the undersigned has subscribed  hereunder this 1st
         day of October, 1997.



                                                               /s/Gunnar Moberg
                                                                  Gunnar Moberg













                                POWER OF ATTORNEY




         KNOW  ALL MEN BY  THESE  PRESENTS,  that the  undersigned  director  of
American  Skandia Life Assurance  Corporation,  a Connecticut  corporation  (the
"Corporation"), does hereby make, constitute and appoint Mary Priscilla Pannell,
Corporate Secretary of the Corporation, and in her absence, Kathleen A. Chapman,
Assistant Corporate Secretary, as his true and lawful attorney-in-fact and agent
with all  power  and  authority  on his  behalf  to sign her name on any and all
registration   statements,   applications  for  exemptive   relief,   documents,
instruments,  and/or exhibits related thereto and any and all amendments thereto
(including any and all pre- and  post-effective  amendments to any  registration
statement) on any form or forms for the purpose of registering Annuity, Variable
Annuity and Variable Life  Insurance  products  under the Securities Act of 1933
and the  Investment  Company  Act of 1940,  with  the  Securities  and  Exchange
Commission,  granting  unto  said  attorney-in-fact  and  agent  full  power and
authority  to do and  perform  each and  every  act  authorized  by the Power of
Attorney  and the  undersigned  does  hereby  ratify and  confirm  all that said
attorney-in-fact  and  agent  may  lawfully  do or  cause  to be done by  virtue
thereof.


         IN WITNESS WHEREOF,  the undersigned has subscribed  hereunder this 3rd
         day of October, 1997.



                                                             /s/Bayard F. Tracy
                                                                Bayard F. Tracy













                                POWER OF ATTORNEY




         KNOW  ALL MEN BY  THESE  PRESENTS,  that the  undersigned  director  of
American  Skandia Life Assurance  Corporation,  a Connecticut  corporation  (the
"Corporation"), does hereby make, constitute and appoint Mary Priscilla Pannell,
Corporate Secretary of the Corporation, and in her absence, Kathleen A. Chapman,
Assistant Corporate Secretary, as her true and lawful attorney-in-fact and agent
with all  power  and  authority  on her  behalf  to sign her name on any and all
registration   statements,   applications  for  exemptive   relief,   documents,
instruments,  and/or exhibits related thereto and any and all amendments thereto
(including any and all pre- and  post-effective  amendments to any  registration
statement) on any form or forms for the purpose of registering Annuity, Variable
Annuity and Variable Life  Insurance  products  under the Securities Act of 1933
and the  Investment  Company  Act of 1940,  with  the  Securities  and  Exchange
Commission,  granting  unto  said  attorney-in-fact  and  agent  full  power and
authority  to do and  perform  each and  every  act  authorized  by the Power of
Attorney  and the  undersigned  does  hereby  ratify and  confirm  all that said
attorney-in-fact  and  agent  may  lawfully  do or  cause  to be done by  virtue
thereof.


         IN WITNESS WHEREOF,  the undersigned has subscribed  hereunder this 1st
         day of October, 1997.



                                                            /s/Amanda C. Sutyak
                                                               Amanda C. Sutyak













                                POWER OF ATTORNEY




         KNOW  ALL MEN BY  THESE  PRESENTS,  that the  undersigned  director  of
American  Skandia Life Assurance  Corporation,  a Connecticut  corporation  (the
"Corporation"), does hereby make, constitute and appoint Mary Priscilla Pannell,
Corporate Secretary of the Corporation, and in her absence, Kathleen A. Chapman,
Assistant Corporate Secretary, as his true and lawful attorney-in-fact and agent
with all  power  and  authority  on his  behalf  to sign her name on any and all
registration   statements,   applciations  for  exemptive   relief,   documents,
instruments,  and/or exhibits related thereto and any and all amendments thereto
(including any and all pre- and  post-effective  amendments to any  registration
statement) on any form or forms for the purpose of registering Annuity, Variable
Annuity and Variable Life  Insurance  products  under the Securities Act of 1933
and the  Investment  Company  Act of 1940,  with  the  Securities  and  Exchange
Commission,  granting  unto  said  attorney-in-fact  and  agent  full  power and
authority  to do and  perform  each and  every  act  authorized  by the Power of
Attorney  and the  undersigned  does  hereby  ratify and  confirm  all that said
attorney-in-fact  and  agent  may  lawfully  do or  cause  to be done by  virtue
thereof.


         IN WITNESS WHEREOF,  the undersigned has subscribed  hereunder this 1st
         day of October, 1997.



                                                          /s/Lincoln R. Collins
                                                             Lincoln R. Collins













                                POWER OF ATTORNEY




         KNOW  ALL MEN BY  THESE  PRESENTS,  that the  undersigned  director  of
American  Skandia Life Assurance  Corporation,  a Connecticut  corporation  (the
"Corporation"), does hereby make, constitute and appoint Mary Priscilla Pannell,
Corporate Secretary of the Corporation, and in her absence, Kathleen A. Chapman,
Assistant Corporate Secretary, as his true and lawful attorney-in-fact and agent
with all  power  and  authority  on his  behalf  to sign her name on any and all
registration   statements,   applications  for  exemptive   relief,   documents,
instruments,  and/or exhibits related thereto and any and all amendments thereto
(including any and all pre- and  post-effective  amendments to any  registration
statement) on any form or forms for the purpose of registering Annuity, Variable
Annuity and Variable Life  Insurance  products  under the Securities Act of 1933
and the  Investment  Company  Act of 1940,  with  the  Securities  and  Exchange
Commission,  granting  unto  said  attorney-in-fact  and  agent  full  power and
authority  to do and  perform  each and  every  act  authorized  by the Power of
Attorney  and the  undersigned  does  hereby  ratify and  confirm  all that said
attorney-in-fact  and  agent  may  lawfully  do or  cause  to be done by  virtue
thereof.


         IN WITNESS WHEREOF,  the undersigned has subscribed  hereunder this 1st
         day of October, 1997.



                                                             /s/C. Ake Svensson
                                                                C. Ake Svensson













                                POWER OF ATTORNEY




         KNOW  ALL MEN BY  THESE  PRESENTS,  that the  undersigned  director  of
American  Skandia Life Assurance  Corporation,  a Connecticut  corporation  (the
"Corporation"), does hereby make, constitute and appoint Mary Priscilla Pannell,
Corporate Secretary of the Corporation, and in her absence, Kathleen A. Chapman,
Assistant Corporate Secretary, as her true and lawful attorney-in-fact and agent
with all  power  and  authority  on her  behalf  to sign her name on any and all
registration   statements,   applications  for  exemptive   relief,   documents,
instruments,  and/or exhibits related thereto and any and all amendments thereto
(including any and all pre- and  post-effective  amendments to any  registration
statement) on any form or forms for the purpose of registering Annuity, Variable
Annuity and Variable Life  Insurance  products  under the Securities Act of 1933
and the  Investment  Company  Act of 1940,  with  the  Securities  and  Exchange
Commission,  granting  unto  said  attorney-in-fact  and  agent  full  power and
authority  to do and  perform  each and  every  act  authorized  by the Power of
Attorney  and the  undersigned  does  hereby  ratify and  confirm  all that said
attorney-in-fact  and  agent  may  lawfully  do or  cause  to be done by  virtue
thereof.


         IN WITNESS WHEREOF,  the undersigned has subscribed  hereunder this 3rd
         day of October, 1997.



                                                           /s/Nancy F. Brunetti
                                                              Nancy F. Brunetti