Announcing a 10% bonus on Sun Universal ProtectorPlus
cases paid by January 31, 2010

From October 1, 2009, through January 31, 2010, Sun Life Assurance Company of Canada ("Sun Life") is offering a 10% bonus on non-New York Sun Universal ProtectorPlus current assumption UL sales. To qualify, all cases
must be placed in force and paid for by January 31, 2010.

The 10% bonus rules are:

• Independent producers who are properly licensed, appointed, and have a valid selling agreement with Sun Life pursuant to which they are paid directly by Sun Life are eligible for the bonus;
• Independent producers who are properly licensed and appointed with Sun Life but do not have a selling agreement with Sun Life (i.e., are paid through an intermediary firm and not directly by Sun Life) are eligible
  for the bonus; bonus payments will be made by Sun Life directly to the producer's intermediary firm;
• Producers employed by an NYSE broker/dealer firm are not eligible to receive the bonus;
• The 10% bonus is not available on New York sales;
• The 10% bonus will be credited for all non-New York Sun Universal ProtectorPlus cases placed in force and paid from October 1, 2009 through January 31, 2010 ("Eligibility Period");
• The 10% bonus will be paid on the target premium received and accepted by Sun Life during the Eligibility Period (excess and renewal premiums will not count toward the bonus);
• Bonus payments will be paid out in February 2010; and
• In the event a policy, regardless of its premium mode, is returned or cancelled, including any surrender or lapse, within the first six (6) months following its effective date, the payee will be charged back 100% of the bonus; in the event a policy, regardless of its premium mode, is returned or cancelled, including any surrender or lapse, within months seven (7) through twelve (12) following its effective date, the payee will be charged back 50% of the bonus.

Sun Universal ProtectorPlus: A versatile product solution

Sun Universal ProtectorPlus is an outstanding insurance solution for a broad spectrum of clients seeking protection, high cash accumulation, and flexibility in a single product:

• It can be used to informally fund supplemental retirement benefit plans, even above and beyond an existing business sponsored plan;
• Its high early cash accumulation potential and flexible features make it an attractive option in single premium and 1035 exchange cases;
• A Loan Lapse Protection feature can keep the policy in force in highly leveraged cases, creating more opportunity to use the policy's cash value; and
• Sun Universal ProtectorPlus has an optional Surrender Charge Modification Endorsement feature, which allows clients to recoup the bulk of their first-year cash value should circumstances change, and a wash loan provision that offsets loan interest after year 10.

For more information on the 10% bonus program and Sun Universal ProtectorPlus, call Madison Brokerage at 888-539-3232