Disclosures

1. Based on in force premium for U.S. business. Source: for Life, LIMRA, U.S. Group Life Sales and In Force Summary of 2010; for Disability, LIMRA, U.S. Group Disability Insurance 2010 Annual Sales and In Force Report; for Stop-Loss, A.M. Best Top Five roster and specific carrier data provided by McKinsey Co.
2. Based on market capitalization data as of December 31, 2010 compiled by Sun Life Financial using data provided by Bloomberg.
3. Choice of service packages available with 100%-employer paid Group Basic Life policies underwritten by Sun Life Assurance Company of Canada or Sun Life Insurance and Annuity Company of New York for groups of 10 or more. Services are not insurance. Services provided by Assist America® and ComPsych®.
4. Any payment will be paid, by check, at the end of a policyholder's policy year. To obtain a payment, a policyholder must request it in writing. Sun Life Financial will determine whether a payment is made. Sun Life Financial's maximum liability under this guarantee is limited to the lesser of 3% of a policyholder's annual Life premium or $5,000. The maximum payment for breach of the service standard is one-third of the maximum liability, or $1,667 each for Claim Service, Customer Service or Overall Satisfaction Guarantee.
5. We selected ComPsych© Corporation, an industry pioneer and worldwide leader in EAP and Work-Life Services, to provide this service to our customers. EAP is not an insurance product.
6. The network is made available through an agreement with United Concordia Companies, Inc. Claim administration services are provided by United Concordia Companies, Inc.
7. The Sun Life Financial group of companies operates under the "Sun Life Financial" name. In the United States and elsewhere, insurance products are offered by members of the Sun Life Financial group that are insurance companies. Sun Life Financial Inc., the holding company for the Sun Life Financial group of companies, is a public company. It is not an insurance company and does not offer insurance products for sale in the United States or elsewhere, and does not guarantee the obligations of its insurance company subsidiaries.

Group insurance policies are underwritten by Sun Life Assurance Company of Canada (Wellesley Hills, MA) in all states, except New York, under Policy Form Series 93P-LH, 98P-ADD, TDB Policy-2006, TDI Policy-2008, 02-SL, 07-SL, 01C-LH-PT, GP-A, and GP-C. In New York, group insurance policies are underwritten by Sun Life Insurance and Annuity Company of New York (New York, NY) under Policy Form Series 93P-LH-NY, 06P-NYDBL, 02P-NYSTD, 98P-ADD-NY, 02-NYSL, 07-NYSL, 01NYC-LH-PT, GP-A, and GP-C. Product offerings may not be available in all states and may vary depending on state laws and regulation.