1. The 7% is calculated as simple interest and is not compounded.  Bonus is available during each of the first 10 contract years if no withdrawals are taken in a given year; please see the prospectus for details.  All withdrawals of taxable amounts, including earnings, are taxable as ordinary income and, if taken prior to age 59½, may be subject to a 10% federal tax penalty. Withdrawals also may be subject to possible withdrawal charges.

2. The cost of this feature may increase at any time, but it will never exceed 1.75% (1.95% for joint Life coverage).

Sun Income Riser III is an optional living benefit available with the Sun Life Financial Masters variable annuities at the time of application for an additional cost. This benefit has conditions, limitations, and investment restrictions; please see the variable annuity prospectus for details. You can cancel the optional living benefit at any time. Once cancelled, the benefit cannot be reinstated. Please note that the timing and amount of your withdrawals under Sun Income Riser III may significantly affect rider guarantees, and in some instances could severely reduce benefits under the rider.

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. Guarantees do not apply to the performance or safety of amounts held in the variable sub-accounts. 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 22611 (11/10) (Exp. 11/12)