0001370001-06-000007 Sample Contracts

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

THIS AGREEMENT, made and entered into as of the 1st day of September, 2005 by and among SUN LIFE ASSURANCE COMPANY OF CANADA (U.S.) (hereinafter the "Company"), a life insurance company organized under the laws of Delaware, on its own behalf and on behalf of each separate account of the Company set forth on Schedule B hereto as may be amended from time to time (each such account hereinafter referred to as the "Account"), and ROYCE CAPITAL FUND (hereinafter the "Fund"), a Delaware business trust, and ROYCE & ASSOCIATES, LLC, a Delaware limited liability company (the "Adviser").

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JANUS ASPEN SERIES FUND PARTICIPATION AGREEMENT
Fund Participation Agreement • August 9th, 2006 • Sun Life (N.Y.) Variable Account J • Colorado

THIS AGREEMENT is made this 1st day of November, 2005, between JANUS ASPEN SERIES, an open-end management investment company organized as a Delaware business trust (the "Trust"), JANUS DISTRIBUTORS LLC (the "Distributor"), a Delaware limited liability company (the "Distributor"), and SUN LIFE ASSURANCE COMPANY OF CANADA (U.S.), a life insurance company organized under the laws of the State of Delaware (the "Company"), on its own behalf and on behalf of each segregated asset account of the Company set forth on Schedule A, as may be amended from time to time (the "Accounts").

PARTICIPATION AGREEMENT By and Among WANGER ADVISORSNATIONS SEPARATE ACCOUNT TRUST And COLUMBIA FUNDS DISTRIBUTOR, INC. And SUN LIFE ASSURANCE COMPANY OF CANADA (U.S.) And SUN LIFE INSURANCE AND ANNUITY COMPANY OF NEW YORK
Participation Agreement • August 9th, 2006 • Sun Life (N.Y.) Variable Account J • Massachusetts

THIS AGREEMENT, made and entered into as of DecemberOctober 1, 2004, by and among WANGER ADVISORSNATIONS SEPARATE ACCOUNT TRUST, an open-end management investment company organized under the laws of the Commonwealth of Massachusetts (the "Fund"), COLUMBIA FUNDS DISTRIBUTOR, INC., a Massachusetts corporation (the "Distributor"), SUN LIFE ASSURANCE COMPANY OF CANADA (U.S.), a Delaware corporation, and SUN LIFE INSURANCE AND ANNUITY COMPANY OF NEW YORK, a New York corporation (with Sun Life Assurance Company of Canada, (the "Company")), on its own behalf and on behalf of each separate account of the Company named in Schedule 1 to this Agreement, as may be amended from time to time, (each account referred to as the ""Account").

SUN LIFE INSURANCE AND ANNUITY COMPANY OF NEW YORK
Flexible Premium Variable Universal Life Insurance Policy • August 9th, 2006 • Sun Life (N.Y.) Variable Account J

This Policy is a legal contract in which We, Sun Life Insurance and Annuity Company of New York, promise to provide the kind of insurance described below. Upon death of the Insured, We agree to pay the Beneficiary such amounts as then become due and payable. Until that time, We agree to provide You, as Owner, the other rights and benefits of this Policy. These rights and benefits are subject to the provisions on the pages which follow. Signed at Wellesley Hills, Massachusetts, on the Issue Date. [] [Robert C. Salipante], President [] [Ellen B. King], Secretary

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