0000791683-03-000003 Sample Contracts

SUN LIFE INSURANCE AND ANNUITY COMPANY OF NEW YORK Futurity Accumulator II, a Flexible Premium Variable Universal Life Insurance Policy INSURED - ################################### Policy Number - ''''''''''''''''''''''''''''''
Flexible Premium Variable Universal Life Insurance Policy • May 21st, 2003 • Sun Life Ny Variable Account D

We, Sun Life Insurance and Annuity Company of New York, a member of the Sun Life Financial group of companies, agree, subject to the conditions and provisions of the Policy, to pay the Beneficiary such amounts as are due and payable upon receipt of Due Proof of the Insured's death. Until that time, We agree to provide You, as Owner, the other rights and benefits of the Policy. These rights and benefits are subject to the provisions on the pages which follow. The Policy is a legal contract between You and Us.

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PRINCIPAL UNDERWRITER'S AGREEMENT
Principal Underwriter's Agreement • May 21st, 2003 • Sun Life Ny Variable Account D • New York

THIS PRINCIPAL UNDERWRITER'S AGREEMENT is entered into by and among Sun Life Insurance and Annuity Company of New York (the "Insurance Company"), a New York corporation, and Clarendon Insurance Agency Inc. ("Clarendon"), a Massachusetts corporation.

ADMINISTRATIVE SERVICES AGREEMENT
Administrative Services Agreement • May 21st, 2003 • Sun Life Ny Variable Account D • New York

This Administrative Services Agreement ("Agreement") is made effective as of 12:01 a.m. Eastern Standard Time, on the ___ day of__________, 2000 ("Effective Date") by and among Sun Life Assurance Company of Canada, a Canadian insurance company doing business in the United States through a U.S. Branch entered through Michigan (the "Branch"), Sun Life Assurance Company of Canada (U.S.), a Delaware insurance company ("Sun Life Delaware" and, along with the Branch, "Sun Life Canada"), and Sun Life Insurance and Annuity Company of New York, a New York insurance company ("Sun Life NY").

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