Variable universal life insurance is issued by Sun Life Assurance Company of Canada (U.S.) (Wellesley Hills, MA) and, in New York, by Sun Life Insurance and Annuity Company of New York (New York, NY). All guarantees are based on the claimspaying ability of the issuing company. Variable universal life products are distributed by Sun Life Financial Distributors, Inc. All are members of the Sun Life Financial group of companies.

Clients should consider the investment objectives, risks, charges, and expenses carefully before investing. The prospectus contains this and other important information. Prospectuses for both the variable universal life product and the underlying investment options are available from your product specialist or sales desk representatives or from Sun Life Financial. Please read all prospectuses carefully before investing or sending money.

All riders and features are not available in all states. Please consult your Sun Life Financial representative for current state availability.

Variable Universal Life Insurance products are for persons, who have a long-term need for life insurance. Variable insurance products are not insured by the FDIC or other government agency and are not deposits or other obligations of, or guaranteed by, any financial institutions. Unit values are subject to investment risk, including possible loss of the principal amount invested, and will fluctuate in value. You may receive more or less than you paid when you access your values. Variable universal life insurance has annual fees and expenses associated with it in addition to life insurance related charges (which differ with the product chosen) including underlying investment charges. Certain charges apply to all products, such as: Premium Expense Charges, Transfer Fees, Cost of Insurance (COI) Charges, Mortality & Expense (M&E) Charges, Loan Interest Payments and Flat Extra Charges. Surrender charges may also apply. Additional charges may apply to any optional riders, including: Waiver of Monthly Deductions Rider, Payment of Stipulated Amount Rider and Supplemental Insurance Rider. Please refer to the prospectus for more detailed information.

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

SLPC 23671 09/11 (exp. 09/13)