0001370001-06-000005 Sample Contracts

FUND PARTICIPATION AGREEMENT
Fund Participation Agreement • August 9th, 2006 • Sun Life (N.Y.) Variable Account J • New York

THIS AGREEMENT made as of the 1st day of August, 20032 by and among Deutsche Asset Management VIT Funds ("TRUST"), a Massachusetts business trust, Deutsche Asset Management, Inc. ("ADVISER"), a Delaware corporation, and Sun Life Insurance and Annuity Company of New York ("LIFE COMPANY"), a life insurance company organized under the laws of the State of New York.

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PARTICIPATION AGREEMENT AMENDMENT NO. 1
Participation Agreement • August 9th, 2006 • Sun Life (N.Y.) Variable Account J

The Participation Agreement, made and entered into as of the 30th day of April, 2001 by and among SUN LIFE ASSURANCE COMPANY OF CANADA (U.S.) (hereinafter the "Company"), a life insurance company organized as a corporation under the laws of the State of Delaware, on its own behalf and on behalf of each separate account of the Company set forth on Schedule A hereto as may be amended from time to time (each such account hereinafter referred to as the "Account"), RYDEX VARIABLE TRUST (hereinafter the "Trust"), a Delaware business trust, and RYDEX DISTRIBUTORS, INC. (hereinafter the "Underwriter"), a Maryland corporation, do hereby agree to amend the Agreement as follows:

AMENDMENT NO. 3 TO FUND PARTICIPATION AGREEMENT
Fund Participation Agreement • August 9th, 2006 • Sun Life (N.Y.) Variable Account J

This Amendment, dated as of October 1, 2006, among SUN LIFE ASSURANCE COMPANY OF CANADA (U.S.), NEUBERGER BERMAN ADVISERS MANAGEMENT TRUST and NEUBERGER BERMAN MANAGEMENT INC. is made to the Fund Participation Agreement and amends said Agreement as follows:

PROPOSED INSURED CONSENT FORM
Sun Life (N.Y.) Variable Account J • August 9th, 2006
SUN LIFE INSURANCE AND ANNUITY COMPANY OF NEW YORK TEMPORARY LIFE INSURANCE AGREEMENT
Insurance Agreement • August 9th, 2006 • Sun Life (N.Y.) Variable Account J

While this Agreement is in effect and subject to the terms below, We will pay the Temporary Life Insurance benefit, as shown on the attached census, upon receipt of Due Proof of the death of a Proposed Insured.

AMENDMENT TO PARTICIPATION AGREEMENT AMENDMENT NO. 3
Participation Agreement • August 9th, 2006 • Sun Life (N.Y.) Variable Account J

THIS AGREEMENT made and entered into this 17th day of February, 1998, by and between GOLDMAN SACHS VARIABLE INSURANCE TRUST, an unincorporated business trust formed under the laws of Delaware (the "Trust"), GOLDMAN, SACHS & CO., a New York limited partnership (the "Distributor"), and SUN LIFE ASSURANCE COMPANY OF CANADA (U.S.), a life insurance company organized as a corporation under the laws of the State of Delaware, (the "Company"), on its own behalf and on behalf of each separate account of the Company identified herein.

PROPOSED INSURED CONSENT FORM
Sun Life (N.Y.) Variable Account J • August 9th, 2006

r I consent to the purchase of life insurance on my life by the Owner listed above and in accordance with the Master Application for

FUND PARTICIPATION AGREEMENT AMENDMENT NO. 1 April 17, 2000
Fund Participation Agreement • August 9th, 2006 • Sun Life (N.Y.) Variable Account J

THIS AGREEMENT made as of the 17th day of February, 1998, by and among Lord Abbett Series Fund, Inc. ("FUND"), a Maryland Corporation, Lord, Abbett & Co. ("ADVISER"), a New York Partnership, and Sun Life Assurance Company of Canada (U.S.), (the "COMPANY") a life insurance company organized under the laws of the state of Delaware, is hereby amended as follows:

PROPOSED INSURED CONSENT FORM
Sun Life (N.Y.) Variable Account J • August 9th, 2006

r I consent to the purchase of life insurance on my life by the Owner listed above and in accordance with the Master Application for

PROPOSED INSURED CONSENT FORM
Sun Life (N.Y.) Variable Account J • August 9th, 2006
Flexible Premium Variable Universal Life Insurance Policy Insured [John Doe] Policy Number [V00#00001] This Policy is a legal contract in which We, Sun Life Life Insurance and Annuity Company of New York, promise to provide the kind of insurance...
Sun Life (N.Y.) Variable Account J • August 9th, 2006

The amount of the Death Benefit or the duration of the Death Benefit may increase or decrease to reflect the investment experience of the Variable Account, as described in Section 8.

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