These optional living benefits are available with the Sun Life Financial Masters variable annuities at the time of application and for an additional cost. These living benefits have conditions, limitations, and investment restrictions; please see the variable annuity prospectus for details.

The product guarantees described in the chart above apply only to the benefit bases used to calculate payments under the living benefits. Guarantees do not apply to the performance or safety of amounts held in the varaible sub-accounts. The benefit bases have no cash value, surrender value, or death benefit, are not available for withdrawal, and are not a guarantee of investment return or Account value.

Variable annuities are long-term investment vehicles designed for retirement purposes and are subject to market fluctuation, investment risk, and possible loss of principal. Guarantees are based on the claims-paying ability of the issuing insurance company. Products and features may not be available in all states.

You should carefully consider the investment objectives, risks, charges, and expenses of an investment in a variable annuity. The prospectus contains this and other important information. Please read the prospectuses for the variable annuity product and the underlying investment options carefully before investing or sending money.

Sun Life Financial Masters variable annuities are issued by Sun Life Assurance Company of Canada (U.S.) (Wellesley Hills, MA) in all states except New York. In New York, the contracts are issued by Sun Life Insurance and Annuity Company of New York (New York, NY). Variable products are distributed through Sun Life Financial Distributors, Inc. All three companies are members of the Sun Life Financial group of companies.

NOT FDIC/NCUA INSURED – MAY LOSE VALUE – NO BANK/CREDIT UNION GUARANTEE – NOT A DEPOSIT – NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY

SLPC 22422 (10/10) (Exp. 10/12)