424B3 1 regattachoice.htm Unassociated Document
MAY 1, 2007
MFS REGATTA CHOICE

Sun Life Assurance Company of Canada (U.S.) and Sun Life of Canada (U.S.) Variable Account F offer the flexible payment deferred annuity contracts and certificates described in this Prospectus to groups and individuals.

You may choose among a number of variable investment options and fixed interest options. The variable options are Sub-Accounts in the Variable Account, each of which invests in one of the following fund options of the MFS®/Sun Life Series Trust (the "Funds"):

Large-Cap Equity Funds
Emerging Markets Equity Funds
  MFS®/ Sun Life Capital Appreciation - S Class
  MFS®/ Sun Life Emerging Markets Equity - S Class
  MFS®/ Sun Life Capital Opportunities - S Class
Mid-Cap Equity Funds
  MFS®/ Sun Life Core Equity - S Class
  MFS®/ Sun Life Mid Cap Growth - S Class
  MFS®/ Sun Life Emerging Growth - S Class
  MFS®/ Sun Life Mid Cap Value - S Class
  MFS®/ Sun Life Massachusetts Investors Growth
Small-Cap Equity Funds
     Stock - S Class
  MFS®/ Sun Life New Discovery - S Class
  MFS®/ Sun Life Massachusetts Investors Trust - S Class
Specialty/Sector Funds
  MFS®/ Sun Life Research - S Class
  MFS®/ Sun Life Technology - S Class
  MFS®/ Sun Life Strategic Growth - S Class
  MFS®/ Sun Life Utilities - S Class
  MFS®/ Sun Life Strategic Value - S Class
Intermediate-Term Bond Funds
  MFS®/ Sun Life Value - S Class
  MFS®/ Sun Life Bond - S Class
Asset Allocation Funds
  MFS®/ Sun Life Government Securities - S Class
  MFS®/ Sun Life Total Return - S Class
World Bond Funds
Global Asset Allocation Funds
  MFS®/ Sun Life Global Governments - S Class
  MFS®/ Sun Life Global Total Return - S Class
High Yield Bond Funds
International/Global Equity Funds
  MFS®/ Sun Life High Yield - S Class
  MFS®/ Sun Life Global Growth - S Class
Multi-Sector Bond Funds
  MFS®/ Sun Life Research International - S Class
  MFS®/ Sun Life Strategic Income - S Class
  MFS®/ Sun Life International Growth - S Class
Money Market Funds
  MFS®/ Sun Life International Value - S Class
  MFS®/ Sun Life Money Market - S Class

Massachusetts Financial Services Company serves as investment adviser to all of the Funds in the MFS®/Sun Life Series Trust.

Please refer to the appendix entitled "Previously Available Investment Options" for information about certain Funds that are no longer available in connection with new Contracts being issued, but that are still available under certain Contracts that are already outstanding.

The fixed account options are available for specified time periods, called Guarantee Periods, and pay interest at a guaranteed rate for each period.

This Prospectus must be accompanied by a current prospectus for the Series Fund. Please read this Prospectus and the Series Fund prospectus carefully before investing and keep them for future reference. They contain important information about the Contracts and the Funds.

We have filed a Statement of Additional Information dated May 1, 2007 (the "SAI") with the Securities and Exchange Commission (the "SEC"), which is incorporated by reference in this Prospectus. The table of contents for the SAI is on page 46 of this Prospectus. You may obtain a copy without charge by writing to us at the address shown below (which we sometimes refer to as our "Annuity Mailing Address") or by telephoning (800) 752-7215. In addition, the SEC maintains a website (http://www.sec.gov) that contains the SAI, material incorporated by reference, and other information regarding companies that file with the SEC.

The Contracts are not deposits or obligations of, or guaranteed or endorsed by, any bank, and are not federally insured by the Federal Deposit Insurance Corporation, the Federal Reserve Board or any other agency.

 
 

 


The SEC has not approved or disapproved these securities or passed upon the accuracy or adequacy of this Prospectus. Any representation to the contrary is a criminal offense.

Any reference in this Prospectus to receipt by us means receipt at the following address:

 
SUN LIFE ASSURANCE COMPANY OF CANADA (U.S.)
 
P.O. Box 9133
 
Wellesley Hills, Massachusetts 02481


 
 

 

TABLE OF CONTENTS

SPECIAL TERMS
PRODUCT HIGHLIGHTS
FEES AND EXPENSES
EXAMPLE
CONDENSED FINANCIAL INFORMATION
THE ANNUITY CONTRACT
COMMUNICATING TO US ABOUT YOUR CONTRACT
SUN LIFE ASSURANCE COMPANY OF CANADA (U.S.)
THE VARIABLE ACCOUNT
VARIABLE ACCOUNT OPTIONS: THE MFS®/SUN LIFE SERIES TRUST
THE FIXED ACCOUNT
THE FIXED ACCOUNT OPTIONS: THE GUARANTEE PERIODS
THE ACCUMULATION PHASE
Issuing Your Contract
Amount and Frequency of Purchase Payments
Allocation of Net Purchase Payments
Your Account
Your Account Value
Variable Account Value
Fixed Account Value
Transfer Privilege
Waivers; Reduced Charges; Credits; Special Guaranteed Interest Rates
Other Programs
WITHDRAWALS, WITHDRAWAL CHARGE AND MARKET VALUE ADJUSTMENT
Cash Withdrawals
Withdrawal Charge
Types of Withdrawals Not Subject to Withdrawal Charge
Market Value Adjustment
CONTRACT CHARGES
Account Fee
Administrative Expense Charge
Mortality and Expense Risk Charge
Charges for Optional Death Benefit Riders
Premium Taxes
Fund Expenses
Modification in the Case of Group Contracts
DEATH BENEFIT
Amount of Death Benefit
The Basic Death Benefit
Optional Death Benefit Riders
Spousal Continuance
Calculating the Death Benefit
Method of Paying Death Benefit
Non-Qualified Contracts
Selection and Change of Beneficiary
Payment of Death Benefit
Due Proof of Death
THE INCOME PHASE -- ANNUITY PROVISIONS
Selection of the Annuitant or Co-Annuitant
Selection of the Annuity Commencement Date
Annuity Options
Selection of Annuity Option
Amount of Annuity Payments
Exchange of Variable Annuity Units
Account Fee
Annuity Payment Rates
Annuity Options as Method of Payment for Death Benefit
OTHER CONTRACT PROVISIONS
Exercise of Contract Rights
Change of Ownership
Voting of Fund Shares
Reports to Owners
Substitution of Securities
Change in Operation of Variable Account
Splitting Units
Modification
Discontinuance of New Participants
Reservation of Rights
Right to Return
TAX CONSIDERATIONS
U.S. Federal Income Tax Considerations
Puerto Rico Tax Considerations
ADMINISTRATION OF THE CONTRACT
DISTRIBUTION OF THE CONTRACT
AVAILABLE INFORMATION
INCORPORATION OF CERTAIN DOCUMENTS BY REFERENCE
STATE REGULATION
LEGAL PROCEEDINGS
FINANCIAL STATEMENTS
TABLE OF CONTENTS OF STATEMENT OF ADDITIONAL INFORMATION
APPENDIX A - GLOSSARY
APPENDIX B - WITHDRAWALS, WITHDRAWAL CHARGES AND THE MARKET VALUE ADJUSTMENT
APPENDIX C - CALCULATION OF BASIC DEATH BENEFIT
APPENDIX D - CALCULATION OF EEB OPTIONAL DEATH BENEFIT
APPENDIX E - CALCULATION OF EEB AND MAV AND 5% ROLL-UP DEATH BENEFIT
APPENDIX F - CALCULATION OF EEB PLUS OPTIONAL DEATH BENEFIT
APPENDIX G - CALCULATION OF EEB PLUS WITH MAV OPTIONAL DEATH BENEFIT
APPENDIX H - CALCULATION OF EEB PLUS WITH 5% ROLL-UP OPTIONAL DEATH BENEFIT
APPENDIX I - PREVSIOUSLY AVAILABLE INVESTMENT OPTIONS
APPENDIX J - CONDENSED FINANCIAL INFORMATION


 
 

 

SPECIAL TERMS

Your Contract is a legal document that uses a number of specially defined terms. We explain most of the terms that we use in this Prospectus in the context where they arise, and some are self-explanatory. In addition, for convenient reference, we have compiled a list of these terms in the Glossary included at the back of this Prospectus as Appendix A. If, while you are reading this Prospectus, you come across a term that you do not understand, please refer to the Glossary for an explanation.

PRODUCT HIGHLIGHTS

The headings in this section correspond to headings in the Prospectus under which we discuss these topics in more detail.

The Annuity Contract

The MFS Regatta Choice Fixed and Variable Annuity Contract provides a number of important benefits for your retirement planning. During the Accumulation Phase, you make Payments under the Contract and allocate them to one or more Variable Account or Fixed Account options. During the Income Phase, we make annuity payments to you or someone else based on the amount you have accumulated. The Contract provides tax-deferral so that you do not pay taxes on your earnings until you withdraw them. When purchased in connection with a tax-qualified plan, the Contract provides no additional tax-deferral benefits because tax-qualified plans confer their own tax-deferral.The Contract also provides a basic death benefit if you die during the Accumulation Phase. You may enhance the basic death benefit by purchasing one or more of the optional death benefit riders.

The Accumulation Phase

Under most circumstances, you can buy the Contract with an initial Purchase Payment of $10,000 or more, and you can make additional Purchase Payments at any time during the Accumulation Phase. Currently, there is no minimum amount required for additional Purchase Payments. However, we reserve the right to limit additional Purchase Payments to at least $1,000. We will not normally accept a Purchase Payment if your Account Value is over $2 million or, if the Purchase Payment would cause your Account Value to exceed $2 million.

Variable Account Options: The Funds

You can allocate your Purchase Payments among Sub-Accounts, each of which invests in a separate securities portfolio of the MFS®/Sun Life Series Trust, an open-end management investment company registered under the Investment Company Act of 1940. Our affiliate, Massachusetts Financial Services Company ("MFS"), serves as the investment adviser to the Series Fund. The investment returns on the Funds are not guaranteed. You can make or lose money. You can make transfers among the Funds and the Fixed Account Options.

The Fixed Account Options: The Guarantee Periods

You can allocate your Purchase Payments to the Fixed Account and elect to invest in one or more of the Guarantee Periods we make available from time to time. Each Guarantee Period earns interest at a Guaranteed Interest Rate that we publish. We may change the Guaranteed Interest Rate from time to time, but no Guaranteed Interest Rate will ever be less than the minimum guaranteed rate permitted by law. Once we have accepted your allocation to a particular Guarantee Period, we promise that the Guaranteed Interest Rate applicable to that allocation will not change for the duration of the Guarantee Period. We may offer Guarantee Periods of different durations or stop offering some Guarantee Periods. Once we stop offering a Guarantee Period of a particular duration, future allocations or transfers into that Guarantee Period will not be permitted.

Fees and Expenses

The Contract has insurance features and investment features, and there are costs related to each.

Each year for the first five Account Years, if your Account Value is less than $75,000 on your Account Anniversary, we deduct a $35 Annual Account Fee. After the fifth Account Year, we may increase the fee, but it will never exceed $50. We will waive the Account Fee if your Contract was fully invested in the Fixed Account during the entire Account Year.

During the Accumulation Phase, we deduct a mortality and expense risk charge at an annual rate of 1.00% of the average daily value of the Contract invested in the Variable Account, if your initial Purchase Payment was less than $1,000,000, or 0.85% if your initial Purchase Payment was $1,000,000 or more. We also deduct an administrative charge at an annual rate of 0.15% of the average daily value of the Contract invested in the Variable Account. If you annuitize before your eighth Account Anniversary, we will deduct, during the Income Phase, an additional charge equal to an annual rate of 0.25% of your daily Account Value.

If you take more than a specified amount of money out of your Contract, we assess a withdrawal charge against each Purchase Payment withdrawn. For each Purchase Payment, the withdrawal charge (also known as a "contingent deferred sales charge") starts at 7% and declines to 0% after the Purchase Payment has been in the Contract for seven years.

Currently, you can make 12 free transfers each year; however, we reserve the right to impose a charge of up to $15 per transfer.

If you elect one or more of the optional death benefit riders, we will deduct, during the Accumulation Phase, an additional charge from the assets of the Variable Account ranging from an annual rate of 0.15% to 0.40% of the average daily value of your Contract depending upon which optional death benefit rider(s) you elect.

In addition to the charges we impose under the Contract, there are also charges (which include management fees and operating expenses) imposed by the Funds. The charges vary depending upon which Fund(s) you have selected.

The Income Phase: Annuity Provisions

If you want to receive regular income from your annuity after the Annuity Commencement Date, you can select one of several Annuity Options. You can choose to receive annuity payments from either the Fixed Account or from the available Variable Account options. If you choose to have any part of your annuity payments come from the Variable Account, the dollar amount of the payments may fluctuate with the performance of the Funds. Subject to the maximum Annuity Commencement Date, you decide when your Income Phase will begin but, once it begins, you cannot change your choice of annuity payment options.

During the Income Phase, the total insurance charges are deducted on a daily basis at an annual rate of 1.15% of your Account Value invested in the Variable Account (1.00% if your initial Purchase Payment was $1,000,000 or more). If your Annuity Commencement Date is within 7 years of the Contract Date, the annual insurance charges will be increased by 0.25%.

Death Benefit

If you die before the Contract reaches the Income Phase, the beneficiary will receive a death benefit. The amount of the death benefit depends upon your age on the Contract Date and whether you choose the basic death benefit or, for a fee, you enhance the death benefit by electing one or more of the optional death benefit riders available in your state. If you are 85 or younger on your Contract Date, the basic death benefit pays the greatest of your Account Value, your total Purchase Payments (adjusted for withdrawals), or your cash Surrender Value, all calculated as of your Death Benefit Date. If you are 86 or older on your Contract Date, the basic death benefit is equal to the Surrender Value. You must make your election before the date on which your Contract becomes effective. The riders are only available if you are younger than 80 on the Contract Date. Any optional death benefit rider election may not be changed after your Contract is issued.

Withdrawals, Withdrawal Charge and Market Value Adjustment

You can withdraw money from your Contract during the Accumulation Phase. You may withdraw a portion of your Account Value each year without the imposition of a withdrawal charge. This "free withdrawal amount" equals 15% of the amount of all Purchase Payments you have made in the first Account Year. For all other Account Years, the "free withdrawal amount" equals the amount of all Purchase Payments made and not withdrawn prior to the last 7 Account Years plus the greater of (1) your Contract's earnings, minus any free withdrawals taken during the life of your Contract or (2) 15% of the amount of all Purchase Payments made during the last 7 Account Years (including the current year) minus any free withdrawals taken during the current Account Year. Withdrawals made from the Fixed Account may also be subject to a Market Value Adjustment (see prospectus under "Market Value Adjustment"). You may also have to pay income taxes and tax penalties on money you withdraw.

Right to Return

Your Contract contains a "free look" provision. If you cancel your Contract within 10 days after receiving it (or later if required by your state), we will send you, depending upon the laws of your state, either the full amount of all of your Purchase Payments or your Account Value as of the day we receive your cancellation request. (This amount may be more or less than the original Purchase Payment). We will not deduct a withdrawal charge or a Market Value Adjustment.

Tax Considerations

Your earnings are not taxed until you take them out. If you withdraw money during the Accumulation Phase, earnings come out first and are taxed as income. If you are younger than 59½ when you take money out, you may be charged a 10% federal tax penalty.
_________

NOTE ABOUT OTHER ANNUITY CONTRACTS THAT WE OFFER: In addition to the Contracts, we currently offer many other forms of annuity contracts with a wide variety of features, benefits and charges. Depending on your circumstances and needs, some of these other contracts may be at lower cost to you. Not all of the annuity contracts that we offer are available in all jurisdictions or through all of the selling agents who offer the contracts. You should consider with your selling agent what annuity contract or financial product is most consistent with your needs and preferences.

If you have any questions about your Contract or need more information, please contact us at:

          Sun Life Assurance Company of Canada (U.S.)
          P.O. Box 9133
          Wellesley Hills, MA 02481
          Toll Free (800) 752-7215


 
 

 

FEES AND EXPENSES

The following tables describe the fees and expenses that you will pay when buying, owning, and surrendering the Contract.

The table below describes the fees and expenses that you will pay at the time that you buy the Contract, surrender the Contract, or transfer cash value between investment options.

Contract Owner Transaction Expenses

 
Sales Load Imposed on Purchases (as a percentage of purchase payments):
 
0%
       
 
Maximum Withdrawal Charge (as a percentage of purchase payments):
 
7%*
       
 
Number of Complete Account Years Since
Purchase Payment has been in the Account
 
Withdrawal Charge
   
 
0-1
7%
   
 
1-2
7%
   
 
2-3
6%
   
 
3-4
6%
   
 
4-5
5%
   
 
5-6
4%
   
 
6-7
3%
   
 
7 or more
0%
   
         
 
Maximum Fee Per Transfer (currently $0):
 
$15**
       
 
Premium Taxes (as a percentage of Certificate Value or total purchase payments):
 
0% - 3.5%***

*
A portion of your Account may be withdrawn each year without imposition of any withdrawal charge and, after a Purchase Payment has been in your Account for 7 Account Years, it may be withdrawn free of the withdrawal charge. (See "Withdrawal Charges.")
   
**
Currently, we impose no fee upon transfers; however, we reserve the right to impose a fee of up to $15 per transfer. We do impose certain restrictions upon the number and frequency of transfers. (See "Transfer Privilege.")
   
***
The premium tax rate and base vary by your state of residence and the type of Certificate you own. Currently, we deduct premium taxes from Certificate Value upon full surrender (including a surrender for the death benefit) or annuitization. (See "Contract Charges -- Premium Taxes.")

The table below describe the fees and expenses that you will pay periodically during the time that you own the Contract, not including Fund fees and expenses.

 
Annual Account Fee
$ 50*

Variable Account Annual Expenses (as a percentage of average daily net Variable Account assets)

 
Mortality and Expense Risks Charge:
1.00%**
 
Administrative Expenses Charge:
0.15%
     
Total Variable Account Annual Expenses (without optional benefits):
1.15%

Charges for Optional Death Benefit Features

 
Rider(s) Available
% of Average Daily Net Assets
 
"EEB"
0.15%
 
"MAV"
0.15%
 
"5% Roll-Up"
0.15%
 
"EEB" and "MAV"
0.25%
 
"EEB" and "5% Roll-Up"
0.25%
 
"MAV" and "5% Roll-Up"
0.25%
 
"EEB Plus"
0.25%
 
"EEB" and "MAV" and "5% Roll-Up"
0.40%
 
"EEB Plus MAV"
0.40%
 
"EEB Plus 5% Roll-Up"
0.40%

 
Maximum Charge for Optional Death Benefit Rider:
0.40%***
     
Total Variable Account Annual Expenses with Maximum Charge for Optional Death Benefit
       Riders:
 
1.55%

*
The Annual Account Fee is currently $35. After the fifth Account Year, the fee may be changed, but it will never be greater than $50. The fee is waived if 100% of your Account Value has been allocated only to the Fixed Account during the entire Account Year or if your Account Value is $75,000 or more on your Account Anniversary. (See "Account Fee.")
   
**
If your initial Purchase Payment is $100,000 or more, the mortality and expense risks charge will be 0.85% of average daily net Variable Account assets. After annuitization, the sum of the mortality and expense risks charge and the administrative expenses charge will never be greater than 1.15% of average daily net Variable Account assets, regardless of the amount of your initial Purchase Payment. If you annuitize prior to your eighth Account Anniversary, however, we will deduct an additional charge equal to 0.25% of your daily Account Value. (See "Mortality and Expense Risks Charge.")
   
***
The optional death benefit riders are defined under "Death Benefit." The charge varies depending upon the rider selected.

The table below shows the minimum and maximum total operating expenses charged by the Funds that you may pay periodically during the time that you own the Contract. More detail concerning each Fund's fees and expenses is contained in the prospectus for each Fund.

 
Total Annual Fund Operating Expenses
 
Minimum
Maximum
 
(expenses as a percentage of average daily Fund net assets that are deducted from Fund assets, including management fees, distribution and/or service (12b-1) fees, and other expenses)
     
 
   Prior to any fee waiver or expense reimbursement*
 
0.84%
1.94%

*
The expenses shown are for the year ended December 31, 2006, and do not reflect any fee waiver or expense reimbursement. The advisers and/or other service providers of certain Funds have agreed to reduce their fees and/or reimburse the Funds' expenses in order to keep the Funds' expenses below specified limits. The minimum and maximum Total Annual Fund Operating Expenses for all Funds after all fee reductions and expense reimbursement arrangements are taken into consideration are 0.84% and 1.78%, respectively. Each fee reduction and/or expense reimbursement arrangement is described in the relevant Fund's prospectus.

THE ABOVE EXPENSES FOR THE FUNDS WERE PROVIDED BY THE FUNDS. WE HAVE NOT INDEPENDENTLY VERIFIED THE ACCURACY OF THE INFORMATION.

EXAMPLE

This Example is intended to help you compare the cost of investing in the Contract with the cost of investing in other variable annuity contracts. These costs include Contract Owner transaction expenses, contract fees, variable account annual expenses, and Fund fees and expenses, and are based on a sample Contract with the maximum possible fees.

The Example assumes that you invest $10,000 in the Contract for the time periods indicated and that your Contract includes the maximum charges for an optional death benefit (EEB and MAV and 5% Roll-Up, EEB Plus MAV, or EEB Plus with 5% Roll-Up). If these optional benefits were not elected or fewer options were elected, the expense figures shown below would be lower. The Example also assumes that your investment has a 5% return each year and assumes the maximum fees and expenses of any of the Funds. For purposes of converting the annual contract fee to a percentage, the Example assumes an average Contract size of $35,000. In addition, this Example assumes no transfers were made and no premium taxes were deducted. If these arrangements were considered, the expenses shown would be higher. This Example also does not take into consideration any fee waiver or expense reimbursement arrangement of the Funds. If these arrangements were taken into consideration, the expenses shown would be lower.

Although your actual costs may be higher or lower, based on these assumptions, your costs would be:

 
 

 


(1)
If you surrender your Contract at the end of the applicable time period:

 
1 year
3 years
5 years
10 years
         
 
$966
$1,636
$2,321
$3,875

(2)
If you annuitize your Contract or if you do not surrender your Contract at the end of the applicable time period:

 
1 year
3 years
5 years
10 years
         
 
$362
$1,100
$1,859
$3,875

The fee table and Example should not be considered a representation of past or future expenses and charges of the Sub-Accounts. Your actual expenses may be greater or less than those shown. The Example does not include the deduction of state premium taxes, which may be assessed upon full surrender, death or annuitization, or any taxes and penalties you may be required to pay if you surrender the Contract. Similarly, the 5% annual rate of return assumed in the Example is not intended to be representative of past or future investment performance. For more information about Fund expenses, including a description of any applicable fee waiver or expense reimbursement arrangement, see the prospectuses for the Funds.

CONDENSED FINANCIAL INFORMATION

Historical information about the value of the units we use to measure the variable portion of your Contract ("Variable Accumulation Units") is included in the back of this Prospectus as Appendix J.

THE ANNUITY CONTRACT

Sun Life Assurance Company of Canada (U.S.) and Sun Life of Canada (U.S.) Variable Account F (the "Variable Account") offer the Contract to groups and individuals for use in connection with their retirement plans. The Contract is available on a group basis and, in certain states, may be available on an individual basis. We issue an Individual Contract directly to the individual Owner of the Contract. We issue a Group Contract to the Owner, covering all individuals participating under the Group Contract; each individual receives a Certificate that evidences his or her participation under the Group Contract.

In this Prospectus, unless we state otherwise, we refer to both the owners of Individual Contracts and participating individuals under Group Contracts as "Participants" and we address all Participants as "you"; we use the term "Contracts" to include Individual Contracts, Group Contracts, and Certificates issued under Group Contracts. For the purpose of determining benefits under both Individual Contracts and Group Contracts, we establish an Account for each Participant, which we will refer to as "your" Account or a "Participant Account."

Your Contract provides a number of important benefits for your retirement planning. It has an Accumulation Phase, during which you make payments under the Contract and allocate them to one or more Variable Account or Fixed Account options, and an Income Phase, during which we make annuity payments based on the amount you have accumulated. Your Contract provides tax deferral, so that you do not pay taxes on your earnings under your Contract until you withdraw them. However, if you purchase your Contract in connection with a tax-qualified plan, your purchase should be made for reasons other than tax-deferral. Tax-qualified plans provide tax deferral without the need for purchasing an annuity contract.

Your Contract also provides a basic death benefit if you die during the Accumulation Phase. You may enhance the basic death benefit by electing one or more optional death benefit riders and paying an additional charge for each optional death benefit rider you elect. Finally, if you so elect, during the Income Phase we will make annuity payments to you or someone else for life or for another period that you choose.

You choose these benefits on a variable or fixed basis or a combination of both. When you choose Variable Account investment options or a Variable Annuity option, your benefits will change in response to changes in return available from the different types of investments you select under your Contract. With these variable options, you assume all investment risk under your Contract. When you choose a Guarantee Period in our Fixed Account or a Fixed Annuity option, we assume the investment risk, except in the case of early withdrawals in the Accumulation Phase, where you bear the risk of unfavorable interest rate changes. You may also bear the risk that the interest rates we will offer in the future and the rates we will use in determining your Fixed Annuity may not exceed our minimum guaranteed rate. Our minimum guaranteed interest rate will never be less than that permitted by law.

The Contract is designed for use in connection with retirement and deferred compensation plans, some of which qualify for favorable federal income tax treatment under Sections 401, 403, 408 or 408A of the Internal Revenue Code. The Contract is also designed so that it may be used in connection with certain non-tax-qualified retirement plans, such as payroll savings plans and such other groups (trusteed or non-trusteed) as may be eligible under applicable law. We refer to Contracts used with plans that receive favorable tax treatment as "Qualified Contracts," and all other Contracts as "Non-Qualified Contracts." A qualified retirement plan generally provides tax deferral regardless of whether the plan invests in an annuity contract. A decision to purchase an annuity contract should not be based on the assumption that the purchase of an annuity contract is necessary to obtain tax-deferral benefits under a qualified retirement plan.

COMMUNICATING TO US ABOUT YOUR CONTRACT

All materials sent to us, including Purchase Payments, must be sent to our Annuity Mailing Address as set forth on the first page of this Prospectus. For all telephone communications, you must call (800) 752-7215.

Unless this Prospectus states differently, we will consider all materials sent to us and all telephone communications to be received on the date we actually receive them at our Annuity Mailing Address. However, we will consider all financial transactions, including Purchase Payments, withdrawal requests and transfer instructions, to be received on the next Business Day if we receive them (1) on a day that is not a Business Day or (2) after 4:00 p.m., Eastern Time. In some cases, receipt of financial transactions by the broker-dealer of record will be deemed to be constructive receipt by us.

When we specify that notice to us must be in writing, we reserve the right, at our sole discretion, to accept notice in another form.

SUN LIFE ASSURANCE COMPANY OF CANADA (U.S.)

We are a stock life insurance company incorporated under the laws of Delaware on January 12, 1970. We do business in 49 states, the District of Columbia, Puerto Rico, and the U.S. Virgin Islands, and we have an insurance company subsidiary that does business in New York. Our Executive Office mailing address is One Sun Life Executive Park, Wellesley Hills, Massachusetts 02481.

We are ultimately controlled by Sun Life Financial Inc. ("Sun Life Financial"). Sun Life Financial, a corporation organized in Canada, is a reporting company under the Securities Exchange Act of 1934 with common shares listed on the Toronto, New York, and Philippine stock exchanges.

THE VARIABLE ACCOUNT

We established the Variable Account as a separate account on July 13, 1989, pursuant to a resolution of our Board of Directors. The Variable Account funds the Contract and various other variable annuity product contracts which we offer. These other products may have features, benefits and charges that are different from those under the Contract.

Under Delaware insurance law and the Contract, the income, gains or losses of the Variable Account are credited to or charged against the assets of the Variable Account without regard to the other income, gains, or losses of the Company. These assets are held in relation to the Contract and other variable annuity contracts that provide benefits that vary in accordance with the investment performance of the Variable Account. Although the assets maintained in the Variable Account will not be charged with any liabilities arising out of any other business we conduct, all obligations arising under a Contract, including the promise to make annuity payments, are general corporate obligations of the Company.

The assets of the Variable Account are divided into Sub-Accounts. Each Sub-Account invests exclusively in shares of a specific Fund. All amounts allocated by you to a Sub-Account will be used to purchase Fund shares at their net asset value. Any and all distributions made by the Funds with respect to the shares held by the Variable Account will be reinvested to purchase additional Fund shares at their net asset value. Deductions will be made from the Variable Account for cash withdrawals, annuity payments, death benefits, Account Fees, Contract charges against the assets of the Variable Account for the assumption of mortality and expense risks, administrative expenses, optional benefit riders, and any applicable taxes. The Variable Account will be fully invested in Fund shares at all times.

VARIABLE ACCOUNT OPTIONS: THE MFS®/SUN LIFE SERIES TRUST

The MFS®/Sun Life Series Trust (the "Series Fund") is an open-end management investment company registered under the Investment Company Act of 1940. Our affiliate, Massachusetts Financial Services Company ("MFS"), serves as the investment adviser to the Series Fund.

The Series Fund is composed of a number of independent portfolios of securities, each of which has separate investment objectives and policies. Shares of the Series Fund are issued in a number of investment options (each, a "Fund"), each corresponding to one of the portfolios. Additional portfolios may be added to the Series Fund which may or may not be available for investment by the Variable Account.

Each Fund pays fees to MFS, as its investment adviser, for services rendered pursuant to investment advisory agreements. MFS also serves as investment adviser to each of the funds in the MFS Family of Funds, and to certain other investment companies established by MFS and/or us. MFS Institutional Advisers, Inc., a wholly-owned subsidiary of MFS, provides investment advice to substantial private clients. MFS and its predecessor organizations have a history of money management dating from 1924. MFS operates as an autonomous organization and the obligation of performance with respect to the investment advisory and underwriting agreements is solely that of MFS. We undertake no obligation in this regard.

MFS may serve as the investment adviser to other mutual funds which have similar investment goals and principal investment policies and risks as the Funds, and which may be managed by a Fund's portfolio manager(s). While a Fund may have many similarities to these other funds, its investment performance will differ from their investment performance. This is due to a number of differences between the Fund and these similar products, including differences in sales charges, expense ratios and cash flows.

The Series Fund also offers its shares to other separate accounts established by the Company and our New York subsidiary in connection with variable annuity and variable life insurance contracts. Although we do not anticipate any disadvantages to this arrangement, there is a possibility that a material conflict may arise between the interests of the Variable Account and one or more of the other separate accounts investing in the Series Fund. A conflict may occur due to differences in tax laws affecting the operations of variable life and variable annuity separate accounts, or some other reason. We and the Series Fund's Board of Trustees will monitor events for such conflicts, and, in the event of a conflict, we will take steps necessary to remedy the conflict, including withdrawal of the Variable Account from participation in the Fund which is involved in the conflict or substitution of shares of other Funds or other mutual funds.

More comprehensive information about the Series Fund and the management, investment objectives, policies, restrictions, expenses and potential risks of each Fund may be found in the current Series Fund prospectus. You should read the Series Fund prospectus carefully before investing. The statement of additional information of the Series Fund is available by calling (800) 752-7215.

THE FIXED ACCOUNT

The Fixed Account is made up of all the general assets of the Company other than those allocated to any separate account. Amounts you allocate to Guarantee Periods become part of the Fixed Account, and are available to fund the claims of all classes of our customers, including claims for benefits under the Contracts.

We will invest the assets of the Fixed Account in those assets we choose that are allowed by applicable state insurance laws. In general, these laws permit investments, within specified limits and subject to certain qualifications, in federal, state and municipal obligations, corporate bonds, preferred and common stocks, real estate mortgages, real estate and certain other investments. We intend to invest primarily in investment-grade fixed income securities (i.e., rated by a nationally recognized rating service within the 4 highest grades) or instruments we believe are of comparable quality.

We are not obligated to invest amounts allocated to the Fixed Account according to any particular strategy, except as may be required by applicable state insurance laws. You will not have a direct or indirect interest in the Fixed Account investments.

THE FIXED ACCOUNT OPTIONS: THE GUARANTEE PERIODS

You may elect one or more Guarantee Period(s) from those we make available. From time to time, we may offer Guarantee Periods of different durations or stop offering some Guarantee Periods. Once we stop offering a Guarantee Period of a particular duration, allocations or transfers into that Guarantee Period will not be permitted. We publish Guaranteed Interest Rates for each Guarantee Period offered. We may change the Guaranteed Interest Rates we offer from time to time, but no Guaranteed Interest Rate will ever be less than the minimum guaranteed rate permitted by state law. Also, once we have accepted your allocation to a particular Guarantee Period, we promise that the Guaranteed Interest Rate applicable to that allocation will not change for the duration of the Guarantee Period.

We determine Guaranteed Interest Rates at our discretion. We do not have a specific formula for establishing the rates for different Guarantee Periods. Our determination will be influenced by the interest rates on fixed income investments in which we may invest amounts allocated to the Guarantee Periods. We will also consider other factors in determining these rates, including regulatory and tax requirements, sales commissions and administrative expenses borne by us, general economic trends and competitive factors. We cannot predict the level of future interest rates.

We may from time to time at our discretion offer special interest rates for new Purchase Payments that are higher than the rates we are then offering for renewals or transfers.

Early withdrawals from your allocation to a Guarantee Period, including cash withdrawals, transfers and commencement of an annuity option, may be subject to a Market Value Adjustment, which could decrease or increase the value of your Account. See "Withdrawals, Withdrawal Charge and Market Value Adjustment."

THE ACCUMULATION PHASE

During the Accumulation Phase of your Contract, you make Payments into your Account, and your earnings accumulate on a tax-deferred basis. The Accumulation Phase begins with our acceptance of your first Purchase Payment and ends the Business Day before your Annuity Commencement Date. The Accumulation Phase will end sooner if you surrender your Contract or the "Covered Person" dies before the Annuity Commencement Date.

Issuing Your Contract

When you purchase a Contract, a completed Application and the initial Purchase Payment are sent to us for acceptance. When we accept an Individual Contract, we issue the Contract to you. When we accept a Group Contract, we issue the Contract to the Owner; we issue a Certificate to you as a Participant.

We will credit your initial Purchase Payment to your Account within 2 Business Days of receiving your completed Application. If your Application is not complete, we will notify you. If we do not have the necessary information to complete the Application within 5 Business Days, we will send your money back to you or ask your permission to retain your Purchase Payment until the Application is made complete. Then we will apply the Purchase Payment within 2 Business Days of when the Application is complete.

Amount and Frequency of Purchase Payments

The amount of Purchase Payments may vary; however, we will not accept an initial Purchase Payment of less than $10,000, and, although there is currently no minimum amount for additional Purchase Payments, we reserve the right to limit each additional Purchase Payment to at least $1,000. In addition, we will not accept a Purchase Payment if your Account Value is over $2 million, or if the Purchase Payment would cause your Account Value to exceed $2 million, unless we have approved the Payment in advance. Within these limits, you may make Purchase Payments at any time during the Accumulation Phase.

Allocation of Net Purchase Payments

You may allocate your Purchase Payments among the different Sub-Accounts and Guarantee Periods we offer, but we reserve the right to limit any allocation to a Guarantee Period to at least $1,000.

In your Application, you may specify the percentage of each Purchase Payment to be allocated to each Sub-Account or Guarantee Period. These percentages are called your allocation factors. Your allocation factors will remain in effect as long as your selected Sub-Accounts and Guarantee Periods continue to be available for investment. You may, however, change the allocation factors for future Purchase Payments by sending us notice of the change in a form acceptable to us. We will use your new allocation factors for the first Purchase Payment we receive with or after we have received notice of the change, and for all future Purchase Payments, until we receive another change notice.

Although it is currently not our practice, we may deduct applicable premium taxes or similar taxes from your Purchase Payments (see "Contract Charges -- Premium Taxes"). In that case, we will credit your Net Purchase Payment, which is the Purchase Payment minus the amount of those taxes.

Your Account

When we accept your first Purchase Payment, we establish an Account for you, which we maintain throughout the Accumulation Phase of your Contract.

Your Account Value

Your Account Value is the sum of the value of the 2 components of your Contract: the Variable Account portion of your Contract ("Variable Account Value") and the Fixed Account portion of your Contract ("Fixed Account Value"). These 2 components are calculated separately, as described below under "Variable Account Value" and "Fixed Account Value."

Variable Account Value

     Variable Accumulation Units

In order to calculate your Variable Account Value, we use a measure called a Variable Accumulation Unit for each Sub-Account. Your Variable Account Value is the sum of your Account Value in each Sub-Account, which is the number of your Variable Accumulation Units for that Sub-Account times the value of each Unit.

     Variable Accumulation Unit Value

The value of each Variable Accumulation Unit in a Sub-Account reflects the net investment performance of that Sub-Account. We determine that value once on each day that the New York Stock Exchange is open for trading, at the close of trading, which is currently 4:00 p.m., Eastern Time. (The close of trading is determined by the New York Stock Exchange.) We also may determine the value of Variable Accumulation Units of a Sub-Account on days the Exchange is closed if there is enough trading in securities held by that Sub-Account to materially affect the value of the Variable Accumulation Units. Each day we make a valuation is called a "Business Day." The period that begins at the time Variable Accumulation Units are valued on a Business Day and ends at that time on the next Business Day is called a Valuation Period. On days other than Business Days, the value of a Variable Accumulation Unit does not change.

To measure these values, we use a factor -- which we call the Net Investment Factor -- which represents the net return on the Sub-Account's assets. At the end of any Valuation Period, the value of a Variable Accumulation Unit for a Sub-Account is equal to the value of that Sub-Account's Variable Accumulation Units at the end of the previous Valuation Period, multiplied by the Net Investment Factor. We calculate the Net Investment Factor by dividing (1) the net asset value of a Fund share held in the Sub-Account at the end of that Valuation Period, plus the per share amount of any dividend or capital gains distribution made by that Fund during the Valuation Period, by (2) the net asset value per share of the Fund share at the end of the previous Valuation Period; then, for each day in the Valuation Period, we deduct a factor representing the asset-based insurance charges (the mortality and expense risk charges and the administrative expense charge) plus the applicable asset-based charge for certain optional benefit riders.

For a hypothetical example of how we calculate the value of a Variable Accumulation Unit, see the Statement of Additional Information.

     Crediting and Canceling Variable Accumulation Units

When we receive an allocation to a Sub-Account either from a Net Purchase Payment or a transfer of Account Value, we credit that amount to your Account in Variable Accumulation Units. Similarly, we cancel Variable Accumulation Units when you transfer or withdraw amounts from a Sub-Account, or when we deduct certain charges under the Contract. We determine the number of Units credited or canceled by dividing the dollar amount by the Variable Accumulation Unit value for that Sub-Account at the end of the Valuation Period during which the transaction or charge is effective.

Fixed Account Value

Your Fixed Account value is the sum of all amounts allocated to Guarantee Periods, either from Net Purchase Payments, transfers or renewals, plus interest credited on those amounts, and minus withdrawals, transfers out of Guarantee Periods, and any deductions for charges under the Contract taken from your Fixed Account Value.

A Guarantee Period begins the day we apply your allocation and ends when all calendar years (or months if the Guarantee Period is less than one year) in the Guarantee Period (measured from the end of the calendar month in which the amount was allocated to the Guarantee Period) have elapsed. The last day of the Guarantee Period is its Renewal Date.

Each additional Purchase Payment, transfer or renewal credited to your Fixed Account Value will result in a new Guarantee Period with its own Renewal Date. Amounts allocated at different times to Guarantee Periods of the same duration may have different Renewal Dates.

     Crediting Interest

We credit interest on amounts allocated to a Guarantee Period at the applicable Guaranteed Interest Rate for the duration of the Guarantee Period. During the Guarantee Period, we credit interest daily at a rate that yields the Guaranteed Interest Rate on an annual effective basis.

     Guarantee Amounts

Each separate allocation you make to a Guarantee Period, together with interest credited thereon, is called a Guarantee Amount. Each Guarantee Amount is treated separately for purposes of determining the Market Value Adjustment. We may restrict a Guarantee Period that will extend beyond your maximum Annuity Commencement Date. Renewals into a Guarantee Period that extends beyond your maximum Annuity Commencement Date will result in an application of a Market Value Adjustment upon annuitization or withdrawals. We reserve the right to limit each new allocation to a Guarantee Period to at least $1,000.

     Renewals

We will notify you in writing between 45 and 75 days before the Renewal Date for any Guarantee Amount. If you would like to change your Fixed Account option, we must receive from you prior to the Renewal Date:

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written notice electing a different Guarantee Period from among those we then offer, or
   
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written instructions to transfer the Guarantee Amount to one or more Sub-Accounts, in accordance with the transfer privilege provisions of the Contract (see "Transfer Privilege.")

If we receive no instructions from you prior to the Renewal Date, we will automatically renew your Fixed Account allocation into a new Guarantee Period of the same duration as the last Guarantee Period. A Guarantee Amount will not renew into a Guarantee Period that will extend beyond your maximum Annuity Commencement Date. In that case, unless you notify us otherwise, we will automatically transfer your Guarantee Amount into the next available Guarantee Period.

     Early Withdrawals

If you withdraw, transfer, or annuitize an allocation from a Guarantee Period more than 30 days prior to its Renewal Date, we will apply a Market Value Adjustment to the transaction. This could result in an increase or a decrease of your Account Value, depending on interest rates at the time. You bear the risk that you will receive less than your principal if the Market Value Adjustment applies. See "Withdrawals, Withdrawal Charge and Market Value Adjustment."

Transfer Privilege

     Permitted Transfers

During the Accumulation Phase, you may transfer all or part of your Account Value to one or more Sub-Accounts or Guarantee Periods then available, subject to the following restrictions:

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you may not make more than 12 transfers in any Account Year;
   
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the amount transferred from a Guarantee Period must be the entire Guarantee Amount, except for transfers of interest credited during the current Account Year;
   
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at least 30 days must elapse between transfers to and from Guarantee Periods;
   
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transfers to or from Sub-Accounts are subject to terms and conditions that may be imposed by the Funds; and
   
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we impose additional restrictions on market timers, which are further described below.

These restrictions do not apply to transfers made under any Optional Program. At our discretion, we may waive some or all of these restrictions.

We reserve the right to waive these restrictions and exceptions at any time, as discussed under "Short-Term Trading," or to change them. Any change will be applied uniformly. We will notify you of any change prior to its effectiveness.

There is usually no charge imposed on transfers; however, we reserve the right to impose a transfer charge of $15 for each transfer. Transfers out of a Guarantee Period more than 30 days before its Renewal Date or any time after the Renewal Date will be subject to the Market Value Adjustment described below. Under current law, there is no tax liability for transfers.

     Requests for Transfers

You may request transfers in writing or by telephone. If the request is by telephone, it must be made before the earlier of (a) 4:00 p.m. Eastern Time on a Business Day, or (b) the close of the New York Stock Exchange on days that the Stock Exchange closes before 4:00 p.m. The telephone transfer privilege is available automatically during regular business hours before 4:00 p.m. Eastern Time, and does not require your written election. We will require personal identifying information to process a request for a transfer made by telephone. We will not be liable for following instructions communicated by telephone that we reasonably believe are genuine.

Your transfer request will be effective as of the close of the Business Day if we receive your transfer request before the earlier of (a) 4:00 p.m. Eastern Time on a Business Day, or (b) the close of the New York Stock Exchange on days that the Stock Exchange closes before 4:00 p.m. Otherwise, your transfer request will be effective on the next Business Day.

     Short-Term Trading

The Contracts are not designed for short-term trading. If you wish to employ such strategies, do not purchase a Contract. Transfer limits and other restrictions, described below, are subject to our ability to monitor transfer activity. Some Contract Owners and their third party intermediaries engaging in short-term trading may employ a variety of strategies to avoid detection. Despite our efforts to prevent short-term trading, there is no assurance that we will be able to identify such Contract Owners or intermediaries or curtail their trading. A failure to detect and curtail short-term trading could result in adverse consequences to the Contract Owners. Short-term trading can increase costs for all Contract Owners as a result of excessive portfolio transaction fees. In addition, short-term trading can adversely affect a Fund's performance. If large amounts of money are suddenly transferred out of a Fund, the Fund's investment adviser cannot effectively invest in accordance with the Fund's investment objectives and policies.

The Company has policies and procedures to discourage frequent transfers of contract value. As described under "Transfer Privilege," such policies include limiting the number and timing of certain transfers, subject to exceptions described in that section and exceptions designed to protect the interests of individual Contract Owners. The Company also reserves the right to charge a fee for transfers.

Short-term trading activities whether by the Contract Owner or a third party authorized to initiate transfer requests on behalf of Contract Owner(s) may be subject to other restrictions as well. For example, we reserve the right to take actions against short-term trading which restrict your transfer privileges (including transfers to and from the Fixed Account) more narrowly than the policies described under "Transfer Privilege," such as requiring transfer requests to be submitted in writing through regular first-class U.S mail (e.g., no overnight, priority or courier delivery allowed), and refusing any and all transfer instructions.

If we determine that a third party acting on your behalf is engaging (alone or in combination with transfers effected by you directly) in a pattern of short-term trading, we may refuse to process certain transfers requested by such a third party. We impose additional administrative restrictions on third parties that engage in transfers of Contract Values on behalf of multiple Contract Owners at one time. Specifically, we limit the form of such large group transfers to fax or mail delivery only, require the third party to provide us with advance notice of any possible large group transfer so that we can have additional staff ready to process the request, and require that the amount transferred out of a Sub-Account for each Contract Owner be equal to 100% of that Contract Owner's value in the Sub-Account.

We will provide you written notification of any restrictions imposed.

We reserve the right to waive short-term trading restrictions, where permitted by law and not adverse to the interests of the relevant underlying Fund and other shareholders, in the following instances:

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when a new broker of record is designated for the Contract;
   
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when the Participant changes;
   
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when control of the Contract passes to the designated beneficiary upon the death of the Participant or Annuitant;
   
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when necessary in our view to avoid hardship to a Participant; or
   
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when underlying Funds are dissolved or merged or substituted.

If short-term trading results as a consequence of waiving the restrictions against short-term trading, it could expose Contract Owners to certain risks. The short-term trading could increase costs for all Contract Owners as a result of excessive portfolio transaction fees. In addition, the short-term trading could adversely affect a Fund's performance. If large amounts of money are suddenly transferred out of a Fund, the Fund's investment adviser cannot effectively invest in accordance with the Fund's investment objectives and policies. Unless the short-term trading policy and the permitted waivers of that policy are applied uniformly, some Contract Owners may experience a different application of the policy and therefore may experience some of the risks. We uniformly apply the short-term trading policy and the permitted waivers of that policy to all Contracts. If we did not do so, some Contract Owners could experience a different application of the policy and therefore may be treated unfairly. Too much discretion on our part in allowing the waivers of short-term trading policy could result in an unequal treatment of short-term traders by permitting some short-term traders to engage in short-term trading while prohibiting others from doing the same.

     Funds' Shareholder Trading Policies

In addition to the restrictions that we impose (as described under "Permitted Transfers" and "Short-Term Trading"), most of the Funds have adopted restrictions or other policies about transfers or other purchases and sales of the Fund's shares. These policies (the "Funds' Shareholder Trading Policies") are intended to protect the Fund from short-term trading or other trading practices that are potentially harmful to the Fund. The Funds' Shareholder Trading Policies may be more restrictive in some respects than the restrictions that we otherwise would impose, and the Funds may modify their Shareholder Trading Policies from time to time.

We are legally obligated to provide (at the Funds' request) information about each amount you cause to be deposited into a Fund (including by way of Purchase Payments and transfers under your Contract) or removed from the Fund (including by way of withdrawals and transfers under your Contract). If a Fund identifies you as having violated the Fund's Shareholder Trading Policies, we are obligated, if the Fund requests, to restrict or prohibit any further deposits or exchanges by you (or a third party acting on your behalf) in respect of that Fund. Any such restriction or prohibition may remain in place indefinitely.

Accordingly, if you do not comply with any Fund's Shareholder Trading Policies, you (or a third party acting on your behalf) may be prohibited from directing any additional amounts into that Fund or directing any transfers or other exchanges involving that Fund. You should review and comply with each Fund's Shareholder Trading Policies, which are disclosed in the Funds' current prospectuses.

Funds may differ significantly as to such matters as: (a) the amount, format, and frequency of information that the Funds request from us about transactions that our customers make; and (b) the extent and nature of any limits or restrictions that the Funds request us to impose upon such transactions. As a result of these differences, the costs borne by us and (directly or indirectly) by our customers may be significantly increased. Any such additional costs may outweigh any additional protection that would be provided to our customers, particularly in view of the protections already afforded by the trading restrictions that we impose as described under "Permitted Transfers" and under " Short-Term Trading." Also, if a Fund imposes more strict trading restrictions than are reasonably necessary under the circumstances, you could be deprived of potentially valuable flexibility to make transactions with respect to that Fund. For these and other reasons, we may disagree with the timing or substance of a Fund's requests for information from us or with any transaction limits or restrictions that the Fund requests us to impose upon our customers. If any such disagreement with respect to a Fund cannot be satisfactorily resolved, the Fund might be restricted or, subject to obtaining any required regulatory approval, replaced as a variable investment option.

Waivers; Reduced Charges; Credits; Special Guaranteed Interest Rates

We may reduce or waive the withdrawal charge, the administrative service fee or the annual Account Fee, credit additional amounts, or grant special Guaranteed Interest Rates in certain situations. These situations may include sales of Contracts (1) where selling and/or maintenance costs associated with the Contracts are reduced, such as the sale of several Contracts to the same Participant, sales of large Contracts, and certain group sales, and (2) to officers, directors and employees of the Company or its affiliates, registered representatives and employees of broker-dealers with a current selling agreement with the Company and affiliates of such representatives and broker-dealers, employees of affiliated asset management firms, and persons who have retired from such positions ("Eligible Employees") and immediate family members of Eligible Employees. Eligible Employees and their immediate family members may also purchase a Contract without regard to minimum Purchase Payment requirements. For other situations in which withdrawal charges may be waived, see "Withdrawals, Withdrawal Charge and Market Value Adjustment."

Other Programs

You may participate in any of the following Optional Programs free of charge. Transfers made pursuant to the provisions of the following optional programs will not be charged a transfer fee, nor will such transfers count as one of the 12 free transfers per year allowed under the section entitled "Transfer Privilege."

     Dollar-Cost Averaging

Dollar-cost averaging allows you to invest gradually, over time, in up to 12 Sub-Accounts. You may select a dollar-cost averaging program at no extra charge by allocating a minimum amount to a designated Sub-Account or to a Guarantee Period we make available in connection with the program. (We reserve the right to limit minimum investments to at least $1,000.) Amounts allocated to the Fixed Account under the program will earn interest at a rate declared by the Company for the Guarantee Period you select. Previously applied amounts may not be transferred to a Guarantee Period made available in connection with this program. At regular time intervals, we will transfer the same amount automatically to one or more Sub-Accounts that you choose, up to a maximum of 12 Sub-Accounts. The program continues until your Account Value allocated to the program is depleted or you elect to stop the program. The final amount transferred from the Fixed Account will include all interest earned.

No Market Value Adjustment (either positive or negative) will apply to amounts automatically transferred from the Fixed Account under the dollar-cost averaging program. However, if you discontinue or alter the program prior to completion, amounts remaining in the Fixed Account will be transferred to the Money Market Fund investment option under the Contract, unless you instruct us otherwise, and the Market Value Adjustment will be applied. Any allocation of a new Purchase Payment to the program will be treated as commencing a new dollar-cost averaging program and may be subject to the $1,000 minimum investment limit.

The main objective of a dollar-cost averaging program is to minimize the impact of short-term price fluctuations on Account Value. In general, since you transfer the same dollar amount to the variable investment options at set intervals, dollar-cost averaging allows you to purchase more Variable Accumulation Units (and, indirectly, more Fund shares) when prices are low and fewer Variable Accumulation Units (and, indirectly, fewer Fund shares) when prices are high. Therefore, you may achieve a lower average cost per Variable Accumulation Unit over the long term. A dollar-cost averaging program allows you to take advantage of market fluctuations. However, it is important to understand that a dollar-cost averaging program does not insure a profit or protect against loss in a declining market. We do not allow transfers into any of the Guarantee Periods pursuant to the dollar-cost averaging program.

     Asset Allocation

One or more asset allocation programs may be available in connection with the Contract, at no extra charge. Asset allocation is the process of investing in different asset classes -- such as equity funds, fixed income funds, and money market funds -- depending on your personal investment goals, tolerance for risk, and investment time horizon. By spreading your money among a variety of asset classes, you may be able to reduce the risk and volatility of investing, although there are no guarantees, and asset allocation does not insure a profit or protect against loss in a declining market.

Currently, you may select one of the available asset allocation models, each of which represents a combination of Sub-Accounts with a different level of risk. These models, as well as the terms and conditions of the asset allocation program, are fully described in a separate brochure. We may add or delete programs in the future.

Our asset allocation programs are "static" programs. That is to say, if you elect an asset allocation program, we automatically rebalance your Account Value among the Sub-Accounts represented in the model you chose, but we do not change your original percentage allocations among the Sub-Accounts in your chosen model, unless you advise us to do so. Nevertheless, we have selected an independent third-party administrator who reviews the existing models annually to determine whether the investment objective of the model is being met in light of changing markets. Based upon this review, the third-party administrator may recommend that new models be substituted for the existing models. If so, the new models will only be offered to Contracts issued on or after the date the new model goes into effect or to Owners who elect an asset allocation program on or after that date. Owners of any existing asset allocation programs may make an independent decision to change their asset allocations at any time. You should consult your financial adviser periodically to consider whether the model you have selected is still appropriate for you.

     Systematic Withdrawal and Interest Out Programs

You may select our Systematic Withdrawal Program or our Interest Out Program. Under the Systematic Withdrawal Program, you determine the amount and frequency of regular withdrawals you would like to receive from your Fixed Account Value and/or Variable Account Value and we will effect them automatically. Under the Interest Out Program, we automatically pay you or reinvest interest credited for all Guarantee Periods you have chosen. The withdrawals under these programs may be subject to surrender charges and a Market Value Adjustment. They may also be included as income and subject to a 10% federal tax penalty. You should consult a qualified tax professional before choosing these options. We reserve the right to limit the election of either of these programs to Contracts with a minimum Account Value of $10,000.

You may change or stop either program at any time, by written notice to us.

     Portfolio Rebalancing Program

Under the Portfolio Rebalancing Program, we transfer funds among all Sub-Accounts to maintain the percentage allocation you have selected among these Sub-Accounts. At your election, we will make these transfers on a quarterly, semi-annual or annual basis.

No transfers to or from any Guarantee Period are permitted while this program is in effect.


 
 

 

     Secured Future Program

Under the Secured Future Program, we divide your Purchase Payments between the Fixed Account and the Variable Account. For the Fixed Account portion, you choose a Guarantee Period from among those we offer. We then allocate to that Guarantee Period the portion of your Purchase Payment necessary so that, at the end of the Guarantee Period, your Fixed Account allocation, including interest, will equal the entire amount of your original Purchase Payment, less the amount of any Contract charges that have been deducted from the Fixed Account. The remainder of the original Purchase Payment will be invested in the Sub-Accounts of your choice. At the end of the Guarantee Period, you will be guaranteed the amount of your original Purchase Payment (assuming no withdrawals or transfers), plus you will have the benefit, if any, of the investment performance of the Sub-Accounts you have chosen. The Secured Future Program is subject to availability.

WITHDRAWALS, WITHDRAWAL CHARGE AND MARKET VALUE ADJUSTMENT

Cash Withdrawals

     Requesting a Withdrawal

At any time during the Accumulation Phase, you may withdraw in cash all or any portion of your Account Value. To make a withdrawal, other than a Systematic Withdrawal, you must send us a written request at our Annuity Mailing Address. Your request must specify whether you want to withdraw the entire amount of your Account or, if less, the amount you wish to receive.

All withdrawals may be subject to a withdrawal charge (see "Withdrawal Charge"), and withdrawals from your Fixed Account Value also may be subject to a Market Value Adjustment (see "Market Value Adjustment"). Withdrawals also may have adverse income tax consequences, including a 10% penalty tax (see "Tax Considerations"). You should carefully consider these tax consequences before requesting a cash withdrawal.

     Full Withdrawals

If you request a full withdrawal, we calculate the amount we will pay you as follows: We start with your Account Value at the end of the Valuation Period during which we receive your withdrawal request; we deduct the Account Fee, if applicable, for the Account Year in which the withdrawal is made; we add or subtract the amount of any Market Value Adjustment applicable to your Fixed Account Value; and finally, we deduct any applicable withdrawal charge.

A full withdrawal results in the surrender of your Contract, and cancellation of all rights and privileges under your Contract.

     Partial Withdrawals

Unless you specify otherwise, when you request a partial withdrawal, we will pay you the amount specified in your request adjusted by any applicable charges and/or MVA and then reduce the value of your Account by the amount of the withdrawal.

You may specify the amount you want withdrawn from each Sub-Account and/or Guarantee Amount to which your Account is allocated. If you do not so specify, we will deduct the total amount you request pro rata, based on your Account Value at the end of the Valuation Period during which we receive your request.

Withdrawals may significantly reduce the death benefit amount. In calculating the amount payable under the death benefit, we may reduce the benefit by an amount that is greater than the amount of the withdrawal, depending on the circumstances. Accordingly, you should refer to the more detailed discussions of the optional death benefit riders that appear elsewhere in this Prospectus for information about the effects that withdrawals will have on those benefits.

If you request a partial withdrawal that would result in your Account Value being reduced to an amount less than the Account Fee for the Account Year in which you make the withdrawal, we reserve the right to treat it as a request for a full withdrawal.

     Time of Payment

We will pay you the applicable amount of any full or partial withdrawal within 7 days after we receive your withdrawal request, except in cases where we are permitted, and choose, to defer payment under the Investment Company Act of 1940 and applicable state insurance law. Currently, we may defer payment of amounts you withdraw from the Variable Account only for the following periods:

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when the New York Stock Exchange is closed (except weekends and holidays) or when trading on the New York Stock Exchange is restricted;
   
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when it is not reasonably practical to dispose of securities held by a Fund or to determine the value of the net assets of a Fund, because an emergency exists; or
   
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when an SEC order permits us to defer payment for the protection of Participants.

We also may defer payment of amounts you withdraw from the Fixed Account for up to 6 months from the date we receive your withdrawal request. We do not pay interest on the amount of any payments we defer.

     Withdrawal Restrictions for Qualified Plans

If your Contract is a Qualified Contract, you should carefully check the terms of your retirement plan for limitations and restrictions on cash withdrawals.

Special restrictions apply to withdrawals from Contracts used for Section 403(b) annuities. (See "Tax Considerations -- Tax-Sheltered Annuities.")

Withdrawal Charge

We do not deduct any sales charge from your Purchase Payments when they are made. However, we may impose a withdrawal charge (known as a "contingent deferred sales charge") on certain amounts you withdraw. We impose this charge primarily to defray some of our expenses related to the sale of the Contracts, such as commissions we pay to agents, the cost of sales literature, and other promotional costs and transaction expenses.

     Free Withdrawal Amount

In each Account Year you may withdraw a portion of your Account Value -- which we call the "free withdrawal amount" -- before incurring the withdrawal charge.

For convenience in discussing free withdrawal amounts, we refer to Purchase Payments made during the last 7 Account Years, including the current Account Year, as "New Payments," and we refer to Purchase Payments made before the last 7 Account Years as "Old Payments."

For the first Account Year, the free withdrawal amount is equal to 15% of the amount of all Purchase Payments you have made. For all other Account Years, the free withdrawal amount is equal to the greater of:

l
your Contract's earnings (defined below), minus any free withdrawals taken during the life of your Contract, or
   
l
15% of the amount of all New Payments minus any free withdrawals taken during the current Account Year.

Your Contract's earnings are equal to:

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your Account Value, minus
   
l
all Purchase Payments made plus
   
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all partial withdrawals and charges taken.

For an example of how we calculate the "free withdrawal amount," see Appendix B.

     Withdrawal Charge on Purchase Payment

If you withdraw more than the free withdrawal amount, we consider the excess amount to be withdrawn first from Payments that you have not previously withdrawn. We impose the withdrawal charge on the amount of New Payments withdrawn. Thus, the maximum amount on which we will impose the withdrawal charge will never exceed the total of New Payments that you have not previously withdrawn.

     Order of Withdrawal

When you take a withdrawal, we liquidate your Contract in the following order:

(1)
the free withdrawal amount, and
   
(2)
unliquidated payments on a first-in, first-out basis.

     Calculation of Withdrawal Charge

We calculate the amount of the withdrawal charge by multiplying the Purchase Payments you withdraw by a percentage. The percentage varies according to the number of Account Years the Purchase Payment has been held in your Account, including the Account Year in which you made the Payment, but not the Account Year in which you withdraw it. Each Payment begins a new 7-year period and moves down the declining surrender charge scale as shown below at each Account Anniversary. Payments received during the current Account Year will be charged 7%, if withdrawn. On your next scheduled Account Anniversary, that Payment, along with any other Payments made during that Account Year, will be considered to be in their second Account Year and will have a 7% withdrawal charge. On the next Account Anniversary, these Payments will move into their third Account Year and will have a withdrawal charge of 6%, if withdrawn. This withdrawal charge decreases according to the number of Account Years the Purchase Payment has been held in your Account. The Withdrawal Charge scale is as follows:

Number of Account Years
 
Payment Has Been
Withdrawal
In Your Contract
Charge
0-1
7%
1-2
7%
2-3
6%
3-4
6%
4-5
5%
5-6
4%
6-7
3%
7 or more
0%

For example, the percentage applicable to withdrawals of a Payment that has been in an Account for more than 2 Account Years but less than 3 will be 6%, regardless of the issue date of the Contract.

The withdrawal charge will never be greater than 7% of the Purchase Payments you make under your Contract.

For a Group Contract, we may modify the withdrawal charges and limits, upon notice to the Owner of the Group Contract. However, any modification will apply only to Accounts established after the date of the modification.

For additional examples of how we calculate withdrawal charges, see Appendix B.

Types of Withdrawals Not Subject to Withdrawal Charge

     Nursing Home Waiver

If approved by your state, we will waive the withdrawal charge for a full withdrawal if:

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at least one year has passed since we issued your Contract,
   
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you are confined to an eligible nursing home and have been confined there for at least the preceding 180 days, or any shorter period required by your state, and
   
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your confinement to an eligible nursing home began after your Issue Date.

An "eligible nursing home" means a licensed hospital or licensed skilled or intermediate care nursing facility at which medical treatment is available on a daily basis and daily medical records are kept for each patient. You must provide us evidence of confinement in the form we determine.

     Minimum Distributions

For each Qualified Contract, the free withdrawal amount in any Account Year will be the greater of the free withdrawal amount described above or any amounts required to be withdrawn to comply with the minimum distribution requirement of the Internal Revenue Code. This waiver of the withdrawal charge applies only to the portion of the required minimum distribution attributable to that Qualified Contract.

     Other Withdrawals

We do not impose the withdrawal charge on amounts you apply to provide an annuity, amounts withdrawn from a Non-Qualified Contract as part of our non-qualified stretch program, amounts we pay as a death benefit, except under the Cash Surrender method, or amounts you transfer among the Sub-Accounts, between the Sub-Accounts and the Fixed Account, or within the Fixed Account.

Market Value Adjustment

If permitted under the laws of your state, we will apply a Market Value Adjustment if you withdraw or transfer amounts from your Fixed Account Value more than 30 days before the end of the applicable Guarantee Period. For this purpose, using Fixed Account Value to provide an annuity is considered a withdrawal, and the Market Value Adjustment will apply. However, we will not apply the Market Value Adjustment to automatic transfers to a Sub-Account from a Guarantee Period as part of our dollar-cost averaging program.

We apply the Market Value Adjustment separately to each Guarantee Amount in the Fixed Account, that is to each separate allocation you have made to a Guarantee Period together with interest credited on that allocation. However, we do not apply the adjustment to the amount of interest credited during your current Account Year. Any withdrawal from a Guarantee Amount is attributed first to such interest.

A Market Value Adjustment may decrease, increase or have no effect on your Account Value. This will depend on changes in interest rates since you made your allocation to the Guarantee Period and the length of time remaining in the Guarantee Period. In general, if the Guaranteed Interest Rate we currently declare for Guarantee Periods equal to the balance of your Guarantee Period (or your entire Guarantee Period for Guarantee Periods of less than one year) is higher than your Guaranteed Interest Rate, the Market Value Adjustment is likely to decrease your Account Value. If our current Guaranteed Interest Rate is lower, the Market Value Adjustment is likely to increase your Account Value.

We determine the amount of the Market Value Adjustment by multiplying the amount that is subject to the adjustment by the following formula:

[(1 + I) ÷ (1 + J + b)](N/12)  -  1

where:

I
is the Guaranteed Interest Rate applicable to the Guarantee Amount from which you withdraw, transfer or annuitize;
   
J
is the Guaranteed Interest Rate we declare at the time of your withdrawal, transfer or annuitization for Guarantee Periods equal to the length of time remaining in the Guarantee Period applicable to your Guarantee Amount, rounded to the next higher number of complete years, for Guarantee Periods of one year or more. For any Guarantee Periods of less than one year, J is the Guaranteed Interest Rate we declare at the time of your withdrawal, transfer or annuitization for a Guarantee Period of the same length as your Guarantee Period. If, at that time, we do not offer the applicable Guarantee Period we will use an interest rate determined by straight-line interpolation of the Guaranteed Interest Rates for the Guarantee Periods we do offer;
   
N
is the number of complete months remaining in your Guarantee Period; and
   
b
is a factor that currently is 0%, but that in the future we may increase to up to 0.25%. Any increase would be applicable only to Participants who purchase their Contracts after the date of that increase. The "b" factor is the amount that will be used to cover market volatility (i.e., credit risk), basis risk, and/or liquidity costs.

We will apply the Market Value Adjustment to the amount being withdrawn after deduction of any Account Fee, if applicable, but before we impose any withdrawal charge on the amount withdrawn.

For examples of how we calculate the Market Value Adjustment, see Appendix B.

CONTRACT CHARGES

Account Fee

During the Accumulation Phase of your Contract, we will deduct from your Account an annual Account Fee to help cover the administrative expenses we incur related to the issuance of Contracts and the maintenance of Accounts. We deduct the Account Fee on each Account Anniversary. In Account Years 1 through 5, the annual Account Fee is $35. After Account Year 5, we may change the Account Fee each year, but the Account Fee will never exceed $50. We deduct the Account Fee pro rata from each Sub-Account and each Guarantee Period, based on the allocation of your Account Value on your Account Anniversary.

We will not charge the Account Fee if:

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your Account Value has been allocated only to the Fixed Account during the applicable Account Year; or
   
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your Account Value is $75,000 or more on your Account Anniversary.

If you make a full withdrawal of your Account, we will deduct the full amount of the Account Fee at the time of the withdrawal. In addition, on the Annuity Commencement Date we will deduct a pro rata portion of the Account Fee to reflect the time elapsed between the last Account Anniversary and the day before the Annuity Commencement Date.

After the Annuity Commencement Date, we will deduct an annual Account Fee of $35 in the aggregate in equal amounts from each Variable Annuity payment we make during the year. We do not deduct any Account Fee from Fixed Annuity payments.

Administrative Expense Charge

We deduct an administrative expense charge from the assets of the Variable Account at an annual effective rate equal to 0.15% of your average daily Variable Account Value during both the Accumulation Phase and the Income Phase. This charge is designed to reimburse us for expenses we incur in administering the Contracts, Participant Accounts and the Variable Account that are not covered by the annual Account Fee.

Depending on the amount of expenses that we incur, we expect that we may earn a profit from this charge. If so, we may use the profit for any proper corporate purpose, including paying any other expenses in connection with the Contracts or adding to our corporate surplus.

Mortality and Expense Risk Charge

During the Accumulation Phase, we deduct a mortality and expense risk charge from the assets of the Variable Account at an effective annual rate equal to 1.00%, if your initial Purchase Payment was less than $1,000,000, or 0.85% if your initial Purchase Payment was $1,000,000 or more. However, if you annuitize your Contract prior to your eighth Contract Anniversary, we will deduct an additional 0.25% during the Income Phase to offset the increased mortality risk during this phase. We assume numerous mortality and expense risks under the Contracts. These risks include, but are not limited to, (1) the risk that arises from our contractual obligation to continue to make annuity payments to each Annuitant, regardless of how long the Annuitant lives and regardless of how long all Annuitants as a group live; (2) the risk that arises from our contractual obligation to pay a death benefit upon the death of the Participant prior to the Annuity Commencement Date, including in cases where the death benefit is greater than a Contract's Account Value; (3) the risk that our cost of providing benefits according to the terms of any optional death benefit riders will exceed the amount of the charges we deduct for those riders; and (4) the risk that the annual Account Fee and the administrative expense charge we assess under the Contract may be insufficient to cover the actual total administrative expenses we incur. If the amount of the charge is insufficient to cover our costs resulting from these and other mortality and expense risks, we will bear the loss. If, as we expect, the amount of the charge is more than sufficient to cover the risks, we will make a profit on the charge. We may use this profit for any proper corporate purpose, including the payment of marketing and distribution expenses for the Contract. In setting the rate of this charge, we not only consider our expected mortality and expense risks, but also our objective to earn a profit from the Contracts, after all of the costs, expenses, credits, and benefits we expect to pay in connection with the Contracts.

Charges for Optional Death Benefit Riders

If you elect an optional death benefit rider, we will deduct, during the Accumulation Phase, a charge from the assets of the Variable Account depending upon which of the optional death benefit rider(s) you elect. The effective annual percentage rates of these charges are set out below.

 
% of Variable
Rider(s) You Elect*
Account Value
"EEB"
0.15%
"MAV"
0.15%
"5% Roll-Up"
0.15%
"EEB" and "MAV"
0.25%
"EEB" and "5% Roll-Up"
0.25%
"MAV" and "5% Roll-Up"
0.25%
"EEB Plus"
0.25%
"EEB" and "MAV" and "5% Roll-Up"
0.40%
"EEB Plus MAV"
0.40%
"EEB Plus 5% Roll-Up"
0.40%
                                             _____________________________________
                                            * As defined under "Optional Death Benefit Riders."

Premium Taxes

Some states and local jurisdictions impose a premium tax on us that is equal to a specified percentage of the Purchase Payments you make. In many states there is no premium tax. We believe that the amounts of applicable premium taxes currently range from 0% to 3.5%. You should consult a qualified tax professional to find out if your state imposes a premium tax and the amount of any tax.

In order to reimburse us for the premium tax we may pay on Purchase Payments, our policy is to deduct the amount of such taxes from the amount you apply to provide an annuity at the time of annuitization. However, we reserve the right to deduct the amount of any applicable tax from your Account at any time, including at the time you make a Purchase Payment or make a full or partial withdrawal. We do not make any profit on the deductions we make to reimburse premium taxes.

Fund Expenses

There are fees and charges deducted from each Fund. These fees and expenses are described in the Fund prospectus(es) and related Statements of Additional Information.

Modification in the Case of Group Contracts

For Group Contracts, we may modify the annual Account Fee, the administrative expense charge and the mortality and expense risk charge upon notice to Owners. However, such modification will apply only with respect to Participant Accounts established after the effective date of the modification.

DEATH BENEFIT

If the Covered Person dies during the Accumulation Phase, we will pay a death benefit to the designated Beneficiary(ies), using the payment method elected (a single cash payment or one of our Annuity Options). If the Beneficiary is not living on the date of death of the Covered Person, we will pay the death benefit in one sum to your estate. We do not pay a death benefit if the Covered Person dies during the Income Phase. However, the Beneficiary will receive any annuity payments provided under an Annuity Option that is in effect. If the Contract names more than one Covered Person, we will pay the death benefit upon the first death of such Covered Persons.

Amount of Death Benefit

To calculate the amount of the death benefit, we use a "Death Benefit Date." The Death Benefit Date is the date we receive proof of the death of the Covered Person in an acceptable form ("Due Proof of Death") if you have elected a death benefit payment method before the death of the Covered Person and it remains in effect. Otherwise, the Death Benefit Date is the later of the date we receive Due Proof of Death or the date we receive the Beneficiary's election of either payment method or, if the Beneficiary is your spouse, Contract continuation. If we do not receive the Beneficiary's election within 60 days after we receive Due Proof of Death, we reserve the right to provide a lump sum to your Beneficiary.

The amount of the death benefit is determined as of the Death Benefit Date.

The Basic Death Benefit

In general, if you were 85 or younger on your Contract Date (the date we accepted your first Purchase Payment), the death benefit will be the greatest of the following amounts:

(1)
your Account Value for the Valuation Period during which the Death Benefit Date occurs;
   
(2)
the amount we would pay if you had surrendered your entire Account on the Death Benefit Date; and
   
(3)
your total Purchase Payments (adjusted for partial withdrawals) as of the Death Benefit Date. See "Calculating the Death Benefit." Because of the way that Adjusted Purchase Payments are computed, a withdrawal may cause the basic death benefit to decrease by more than the amount of the withdrawal.

For examples of how to calculate this basic death benefit, see Appendix C.

If you were 86 or older on your Contract Date, the death benefit is equal to amount (2) above. Because this amount will reflect any applicable withdrawal charges and Market Value Adjustment, it may be less than your Account Value.

Optional Death Benefit Riders

Subject to availability in your state, you may enhance the "Basic Death Benefit" by electing one or more of the following optional death benefit riders. You must make your election before the date on which your Contract becomes effective. You will pay a charge for each optional death benefit rider you elect. (For a description of these charges, see "Charges for Optional Death Benefit Riders.") The riders are available only if you are younger than 80 on the Contract Date. Any optional death benefit election may not be changed after the Contract is issued. The death benefit under all optional death benefit riders will be adjusted for all partial withdrawals as described in this Prospectus under the heading "Calculating the Death Benefit." For examples of how the death benefit is calculated under the optional death benefit riders, see Appendices D - H.

If your Contract is a Qualified Contract, required minimum distributions under the Internal Revenue Code may affect the value of this optional Benefit to you. Please refer to "Impact of Optional Death Benefit Riders" under "TAX CONSIDERATIONS" for more information regarding tax issues that you should consider before electing this optional Benefit.


 
 

 

     Maximum Anniversary Account Value ("MAV") Rider

Under this rider, the death benefit will be the greater of:

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the amount payable under the basic death benefit above, or
   
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your highest Account Value on any Account Anniversary before your 81st birthday, adjusted for any subsequent Purchase Payments and partial withdrawals made between that Account Anniversary and the Death Benefit Date.

     5% Premium Roll-Up ("5% Roll-Up") Rider

Under this rider, the death benefit will be the greater of:

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the amount payable under the basic death benefit above, or
   
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the sum of your total Purchase Payments plus interest accruals, adjusted for partial withdrawals.

Under this rider, interest accrues at a rate of 5% per year on Purchase Payments and transfers to the Variable Account while they remain in the Variable Account. The 5% interest accruals will continue until the earlier of:

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the first day of the month following your 80th birthday, or
   
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the day the death benefit amount under this rider equals twice the total of your Purchase Payments and transferred amounts, adjusted for withdrawals.

     Earnings Enhancement ("EEB") Rider

If you elect this EEB Rider, your death benefit will be the amount payable under the basic death benefit, PLUS the "EEB amount." Calculated as of your Death Benefit Date, the "EEB amount" is determined as follows:

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If you are 69 or younger on your Contract Date, the "EEB amount" will be 40% of the difference between your Account Value and your Net Purchase Payments, up to a cap. The cap is 40% of the Net Purchase Payments made prior to your death.
   
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If you are between the ages of 70 and 79 on your Contract Date, the "EEB amount" will be 25% of the difference between your Account Value and your Net Purchase Payments, up to a cap. The cap is 25% of the Net Purchase Payments prior to your death.

     Earnings Enhancement Plus ("EEB Plus") Rider

If you elect this EEB Plus Rider, your death benefit will be the amount payable under the basic death benefit, PLUS the "EEB Plus amount." Calculated as of the Death Benefit Date, the "EEB Plus amount" is determined as follows:

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If you are 69 or younger on your Contract Date, the "EEB Plus amount" will be 40% of the difference between your Account Value and your Net Purchase Payments, up to a cap. The cap is 100% of the Net Purchase Payments made prior to your death. After the 7th Contract year, the cap is 100% of the difference between your Net Purchase Payments and any Purchase Payments made within the twelve months prior to your death.
   
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If you are between the ages of 70 and 79 on your Contract Date, the "EEB Plus amount" will be 25% of the difference between your Account Value and your Net Purchase Payments, up to a cap. The cap is 40% of the Net Purchase Payments made prior to your death. After the 7th Contract year, the cap is 40% of the difference between your Net Purchase Payments and any Purchase Payments made in the twelve months prior to your death.


 
 

 

     Earnings Enhancement Plus with MAV ("EEB Plus MAV") Rider

If you elect this EEB Plus MAV Rider, your death benefit will be the death benefit payable under the MAV Rider PLUS the "EEB Plus MAV amount." Calculated as of your Death Benefit Date, the "EEB Plus MAV amount" is as follows:

l
If you are 69 or younger on your Contract Date, the "EEB Plus MAV amount" will be 40% of the difference between the death benefit payable under the MAV Rider and your Net Purchase Payments, up to a cap. The cap is 100% of Net Purchase Payments made prior to your death. After your 7th Contract year, the cap is 100% of the difference between your Net Purchase Payments and any Purchase Payments made in the twelve months prior to your death.
   
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If you are between the ages of 70 and 79 on your Contract Date, the "EEB Plus MAV amount" will be 25% of the difference between the death benefit payable under the MAV Rider and your Net Purchase Payments, up to a cap. The cap is 40% of Net Purchase Payments made prior to your death. After your 7th Contract year, the cap is 40% of the difference between your Net Purchase Payments and any Purchase Payments made in the twelve months prior to your death.

     Earnings Enhancement Plus with 5% Roll-Up ("EEB Plus 5% Roll-Up") Rider

If you elect this EEB Plus 5% Roll-Up Rider, your death benefit will be the death benefit payable under the 5% Roll-Up Rider PLUS the "EEB Plus 5% Roll-Up amount." Calculated as of your Death Benefit Date, the "EEB Plus 5% Roll-Up amount" is determined as follows:

l
If you are 69 or younger on your Contract Date, the "EEB Plus 5% Roll-Up amount" will be 40% of the difference between the death benefit payable under the 5% Roll-Up Rider and your Net Purchase Payments, up to a cap. The cap is 100% of Net Purchase Payments made prior to your death. After your 7th Contract year, the cap is 100% of the difference between your Net Purchase Payments and any Purchase Payments made in the twelve months prior to your death.
   
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If you are between the ages of 70 and 79 on your Contract Date, the "EEB Plus 5% Roll-Up amount" will be 25% of the difference between the death benefit payable under the 5% Roll-Up Rider and your Net Purchase Payments, up to a cap. The cap is 40% of Net Purchase Payments made prior to your death. After your 7th Contract year, the cap is 40% of the difference between your Net Purchase Payments and any Purchase Payments made in the twelve months prior to your death.

     Selecting Multiple Death Benefit Riders

The MAV Rider, the 5% Roll-Up Rider, and the EEB Rider can be combined. If you elect more than one of these three optional death benefit riders, your death benefit will be calculated as follows:

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MAV Rider combined with 5% Roll-Up Rider: The death benefit will equal the greater of the death benefit under the MAV Rider and the death benefit under the 5% Roll-Up Rider.
   
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MAV Rider combined with EEB Rider: The death benefit will equal the death benefit under the MAV Rider, plus the "EEB amount." The "EEB amount" is calculated using the Account Value before the application of the MAV Rider.
   
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EEB Rider combined with 5% Roll-Up Rider: The death benefit will equal the death benefit under the 5% Roll-Up Rider, plus the "EEB amount." The "EEB amount" is calculated using the Account Value before the application of the 5% Roll-Up Rider.
   
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MAV Rider, the 5% Roll-Up Rider and the EEB Rider: The death benefit will equal the greater of the death benefit under the MAV Rider or the death benefit under the 5% Roll-Up Rider, plus the "EEB amount." The "EEB amount" is calculated using the Account Value before the application of the 5% Roll-Up Rider and the MAV Rider.

The EEB Plus, EEB Plus MAV, and EEB Plus 5% Roll-Up Riders are designed to be "comprehensive" riders and may not be combined with each other or with any of the other death benefit riders.

Spousal Continuance

If you are the Covered Person and your spouse is the Beneficiary, upon your death, your spouse may elect to continue the Contract as the Participant and Covered Person, rather than receive the death benefit amount. In that case, we will not pay a death benefit, but the Contract's Account Value will be equal to your Contract's death benefit amount, as defined under the "Basic Death Benefit" or any optional death benefit rider you have selected. All Contract provisions, including any optional death benefit riders you have selected (subject to the optional death benefit rider age restriction), will continue as if your surviving spouse had purchased the Contract on the Death Benefit Date with a deposit equal to the death benefit amount. For purposes of calculating death benefits and expenses from that date forward, your surviving spouse's age on the original effective date of the Contract will be used. Upon surrender or annuitization, this step-up to the surviving spouse will not be treated as premium, but will be treated as income.

Calculating the Death Benefit

In calculating the death benefit amount payable under option (3) of the "Basic Death Benefit" or any of the optional death benefit riders, any partial withdrawals will reduce the death benefit amount to an amount equal to the death benefit amount immediately before the withdrawal multiplied by the ratio of the Account Value immediately after the withdrawal to the Account Value immediately before the withdrawal. Because of the way these adjustments are computed, a withdrawal may cause the basic death benefit to decrease by more than the amount of the withdrawal.

If the death benefit is the amount payable under options (2) or (3) of the "Basic Death Benefit" or under any of the optional death benefit riders, your Account Value may be increased by the excess, if any, of that amount over option (1) of the "Basic Death Benefit." Any such increase will be allocated to the Sub-Accounts in proportion to your Account Value in those Sub-Accounts on the Death Benefit Date. Such increase will be made only if the Beneficiary elects to annuitize, elects to defer annuitization, or elects to continue the Contract. Also, any portion of this new Account Value attributed to the Fixed Account will be transferred to the available Money Market Fund investment option (without the application of a Market Value Adjustment). If a surviving spouse, as the named Beneficiary, elects to continue the Contract after the Covered Person's death, the surviving spouse may transfer any such Fixed Account portion back to the Fixed Account and begin a new Guarantee Period.

Method of Paying Death Benefit

The death benefit may be paid in a single cash payment or as an annuity (either fixed, variable or a combination), under one or more of our Annuity Options. We describe the Annuity Options in this Prospectus under "The Income Phase -- Annuity Provisions."

During the Accumulation Phase, you may elect the method of payment for the death benefit. These elections are made by sending us at our Service Address an election form, which we will provide. If no such election is in effect on the date of your death, the Beneficiary may elect either a single cash payment or an annuity. If the Beneficiary is your spouse, the Beneficiary may elect to continue the Contract. This election is made by sending us a letter of instruction. If we do not receive the Beneficiary's election within 60 days after we receive Due Proof of Death, we will pay the death benefit in a single cash payment.

If we pay the death benefit in the form of an Annuity Option, the Beneficiary becomes the Annuitant/Payee under the terms of that Annuity Option.

Non-Qualified Contracts

If your Contract is a Non-Qualified Contract, special distribution rules apply to the payment of the death benefit. The amount of the death benefit must be distributed either (1) as a lump sum within 5 years after your death, or (2) if in the form of an annuity, over a period not greater than the life or expected life of the "designated beneficiary" within the meaning of Section 72(s) of the Internal Revenue Code, with payments beginning no later than one year after your death.

The person you have named as Beneficiary under your Contract, if any, will be the "designated beneficiary." If the named Beneficiary is not living and no contingent beneficiary has been named, the surviving Participant, if any, or the estate of the deceased Participant automatically becomes the designated beneficiary.

If the designated beneficiary is your surviving spouse, your spouse may continue the Contract in his or her own name as Participant. To make this election, your spouse must give us written notification within 60 days after we receive Due Proof of Death. The special distribution rules will then apply on the death of your spouse. To understand what happens when your spouse continues the Contract, see "Spousal Continuance."

During the Income Phase, if the Annuitant dies, the remaining value of the Annuity Option in place must be distributed at least as rapidly as the method of distribution under that option.

If the Participant is not a natural person, these distribution rules apply upon the death of -any Annuitant.

Payments made in contravention of these special rules would adversely affect the treatment of the Contracts as annuity contracts under the Internal Revenue Code. Neither you nor the Beneficiary may exercise rights that would have that effect.

Selection and Change of Beneficiary

You select your Beneficiary in your Application. You may change your Beneficiary at any time by sending us written notice on our required form, unless you previously made an irrevocable Beneficiary designation. A new Beneficiary designation is not effective until we record the change.

Payment of Death Benefit

Payment of the death benefit in cash will be made within 7 days of the Death Benefit Date, except if we are permitted to defer payment in accordance with the Investment Company Act of 1940. If an Annuity Option is elected, the Annuity Commencement Date will be the first day of the second calendar month following the Death Benefit Date, and your Account will remain in effect until the Annuity Commencement Date.

Due Proof of Death

We accept any of the following as proof of any person's death:

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an original certified copy of an official death certificate;
   
l
an original certified copy of a decree of a court of competent jurisdiction as to the finding of death; or
   
l
any other proof we find satisfactory.

THE INCOME PHASE -- ANNUITY PROVISIONS

During the Income Phase, we make regular monthly annuity payments to the Annuitant.

The Income Phase of your Contract begins with the Annuity Commencement Date. On that date, we apply your Account Value, adjusted as described under the Annuity Option(s) you have selected, and we make the first annuity payment.

Once the Income Phase begins, no lump sum settlement option or cash withdrawals are permitted, except pursuant to Annuity Option D, Monthly Payments for a Specified Period Certain, as described below under the heading "Annuity Options," and you cannot change the Annuity Option selected. (Also, a Beneficiary receiving payments after the Annuitant's death under Option B, Life Annuity with 60, 120, 180 or 240 Monthly Payments Certain, may elect to receive the discounted value of the remaining payments in a single sum, as discussed under "Annuity Options.") You may request a full withdrawal before the Annuity Commencement Date, which will be subject to all charges applicable on withdrawals. (See "Withdrawals, Withdrawal Charge and Market Value Adjustment.")

Selection of the Annuitant or Co-Annuitant

You select the Annuitant in your Application. The Annuitant is the person who receives annuity payments during the Income Phase and on whose life these payments are based. In your Contract, the Annuity Option(s) refer to the Annuitant as the "Payee." If you name someone other than yourself as Annuitant and the Annuitant dies before the Income Phase, you become the Annuitant.

In a Non-Qualified Contract, if you name someone other than yourself as Annuitant, you may also select a Co-Annuitant, who will become the new Annuitant if the original Annuitant dies before the Income Phase. If both the Annuitant and Co-Annuitant die before the Income Phase, you become the Annuitant. If you have named both an Annuitant and a Co-Annuitant, you may designate one of them to become the sole Annuitant as of the Annuity Commencement Date, if both are living at that time. If you have not made that designation on the 30th day before the Annuity Commencement Date, and both the Annuitant and the Co-Annuitant are still living, the Co-Annuitant will become the Annuitant.

When an Annuity Option has been selected as the method of paying the death benefit, the Beneficiary is the Payee of the annuity payment.

Selection of the Annuity Commencement Date

You select the Annuity Commencement Date in your Application. The following restrictions apply to the date you may select:

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The earliest possible Annuity Commencement Date is the first day of the second month following your Contract Date.
   
l
The latest possible Annuity Commencement Date is the first day of the month following the Annuitant's 95th birthday ("maximum Annuity Commencement Date") or, if there is a Co-Annuitant, the 95th birthday of the younger of the Annuitant and Co-Annuitant.
   
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The Annuity Commencement Date must always be the first day of a calendar month.

You may change the Annuity Commencement Date by sending us written notice, in a form acceptable to us, with the following additional limitations:

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We must receive your notice, in good order, at least 30 days before the current Annuity Commencement Date.
   
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The new Annuity Commencement Date must be at least 30 days after we receive the notice.

There may be other restrictions on your selection of the Annuity Commencement Date imposed by your retirement plan or applicable law. In most situations, current law requires that for a Qualified Contract, certain minimum distributions must commence no later than April 1 following the year the Annuitant reaches age 70½ (or, for Qualified Contracts other than IRAs, no later than April 1 following the year the Annuitant retires, if later than the year the Annuitant reaches age 70½).

Annuity Options

We offer the following Annuity Options for payments during the Income Phase. Each Annuity Option may be selected for a Variable Annuity, a Fixed Annuity, or a combination of both. We may also agree to other settlement options, at our discretion.

     Annuity Option A - Life Annuity

We provide monthly payments during the lifetime of the Annuitant. Annuity payments stop when the Annuitant dies. There is no provision for continuation of any payments to a Beneficiary.


 
 

 

     Annuity Option B - Life Annuity with 60, 120, 180 or 240 Monthly Payments Certain

We make monthly payments during the lifetime of the Annuitant. In addition, we guarantee that the Beneficiary will receive monthly payments for the remainder of the period certain, if the Annuitant dies during that period. The election of a longer period results in smaller monthly payments. If no Beneficiary is designated, we pay the discounted value of the remaining payments in one sum to the Annuitant's estate. The Beneficiary may also elect to receive the discounted value of the remaining payments in one sum. The discount rate for a Variable Annuity will be the assumed interest rate in effect; the discount rate for a Fixed Annuity will be based on the interest rate we used to determine the amount of each payment.

     Annuity Option C - Joint and Survivor Annuity

We make monthly payments during the lifetime of the Annuitant and another person you designate and during the lifetime of the survivor of the two. We stop making payments when the survivor dies. There is no provision for continuance of any payments to a Beneficiary.

     Annuity Option D - Monthly Payments for a Specified Period Certain

We make monthly payments for a specified period of time from 5 to 30 years, as you elect. The longer the period you elect, the smaller your monthly payments will be. If payments under this option are paid on a variable annuity basis, the Annuitant may elect to receive, at any time, some or all of the discounted value of the remaining payments, less any applicable withdrawal charge; the discount rate for this purpose will be the assumed interest rate in effect. If the Annuitant dies during the period selected, the remaining income payments are made as described above for the payments to a Beneficiary under Annuity Option B. The election of this Annuity Option may result in the imposition of a penalty tax. The 5, 6, 7, 8, & 9-year period certain options are not available if your Contract has been issued within the past 7 years unless (a) you or your Beneficiary are selecting this Annuity Option to be used as the method of payment for the death benefit and (b) your Beneficiary's life expectancy on the date of the first payment exceeds the selected period.

Selection of Annuity Option

You select one or more of the Annuity Options, which you may change during the Accumulation Phase, as long as we receive your selection or change in writing at least 30 days before the Annuity Commencement Date. If we have not received your written selection on the 30th day before the Annuity Commencement Date, you will receive Annuity Option B, for a life annuity with 120 monthly payments certain.

You may specify the proportion of your Adjusted Account Value you wish to provide a Variable Annuity or a Fixed Annuity. Under a Variable Annuity, the dollar amount of payments will vary, while under a Fixed Annuity, the dollar amount of payments will remain the same. If you do not specify a Variable Annuity or a Fixed Annuity, your Adjusted Account Value will be divided between Variable Annuities and Fixed Annuities in the same proportions as your Account Value was divided between the Variable and Fixed Accounts on the Annuity Commencement Date. You may allocate your Adjusted Account Value applied to a Variable Annuity among the Sub-Accounts, or we will use your existing allocations.

There may be additional limitations on the options you may elect under your particular retirement plan or applicable law.

Remember that the Annuity Options may not be changed once annuity payments begin.

Amount of Annuity Payments

     Adjusted Account Value

The Adjusted Account Value is the amount we apply to provide a Variable Annuity and/or a Fixed Annuity. We calculate Adjusted Account Value by taking your Account Value on the Business Day just before the Annuity Commencement Date and making the following adjustments:

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We deduct a proportional amount of the Account Fee, based on the fraction of the current Account Year that has elapsed.
   
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If applicable, we apply the Market Value Adjustment to your Account Value in the Fixed Account, which may result in a deduction, an addition, or no change.
   
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We deduct any applicable premium tax or similar tax if not previously deducted.

     Variable Annuity Payments

On the Annuity Commencement Date, we will exchange your Account's Variable Annuity Units for Annuitization Units which have annual insurance charges of 1.15% of your average daily net assets (1.00% if your initial Purchase Payment was $1,000,000 or more). If your Annuity Commencement Date is within 7 years of the Contract Date, the annual insurance charges will be increased by 0.25%. Variable Annuity payments may vary each month. We determine the dollar amount of the first payment using the portion of your Adjusted Account Value applied to a Variable Annuity and the Annuity Payment Rates in your Contract, which are based on an assumed interest rate of 3% per year, compounded annually. See "Annuity Payment Rates."

To calculate the remaining payments, we convert the amount of the first payment into Annuity Units for each Sub-Account; we determine the number of those Annuity Units by dividing the portion of the first payment attributable to the Sub-Account by the Annuity Unit Value of that Sub-Account for the Valuation Period ending just before the Annuity Commencement Date. This number of Annuity Units for each Sub-Account will remain constant (unless the Annuitant requests an exchange of Annuity Units). However, the dollar amount of the next Variable Annuity payment -- which is the sum of the number of Annuity Units for each Sub-Account times its Annuity Unit Value for the Valuation Period ending just before the date of the payment -- will increase, decrease, or remain the same, depending on the net investment return of the Sub-Accounts.

If the net investment return of the Sub-Accounts selected is the same as the assumed interest rate of 3%, compounded annually, the payments will remain level. If the net investment return exceeds the assumed interest rate, payments will increase and, conversely, if it is less than the assumed interest rate, payments will decrease.

Please refer to the Statement of Additional Information for more information about calculating Variable Annuity Units and Variable Annuity payments, including examples of these calculations.

     Fixed Annuity Payments

Fixed Annuity payments are the same each month. We determine the dollar amount of each Fixed Annuity payment using the fixed portion of your Adjusted Account Value and the applicable Annuity Payment Rates. These will be either (1) the rates in your Contract, which are based on a minimum guaranteed interest rate of 2.5% per year, compounded annually, or (2) new rates we have published and are using on the Annuity Commencement Date, if they are more favorable. See "Annuity Payment Rates."

     Minimum Payments

If your Adjusted Account Value is less than $2,000, or the first annuity payment for any Annuity Option is less than $20, we will pay the Adjusted Account Value to the Annuitant in one payment.

Exchange of Variable Annuity Units

During the Income Phase, the Annuitant may exchange Annuity Units in one Sub-Account for Annuity Units in another Sub-Account, up to 12 times each Account Year. Any such exchanges may be subject to any restrictions or other policies that the Funds have adopted to protect the Funds from short-term trading or other practices that are potentially harmful to the Fund (the "Funds' Shareholder Trading Policies"). The applicability of the Funds' Shareholder Trading Policies is the same during the Income Phase as during the Accumulation Phase, and this is discussed in this prospectus under "Funds' Shareholder Trading Policies." For the reasons discussed there, you should review and comply with each Fund's Shareholder Trading Policies, which are disclosed in the Funds' current prospectuses.

To make an exchange, the Annuitant sends us, at our Annuity Mailing Address, a written request stating the number of Annuity Units in the Sub-Account he or she wishes to exchange and the new Sub-Account for which Annuity Units are requested. The number of new Annuity Units will be calculated so the dollar amount of an annuity payment on the date of the exchange would not be affected. To calculate this number, we use Annuity Unit values for the Valuation Period during which we receive the exchange request.

Before exchanging Annuity Units in one Sub-Account for those in another, the Annuitant should carefully review the Fund prospectus(es) for the investment objectives and risk disclosure of the Funds in which the Sub-Accounts invest.

During the Income Phase, we permit only exchanges among Sub-Accounts. No exchanges to or from a Fixed Annuity are permitted.

Account Fee

During the Income Phase, we deduct the annual Account Fee of $35 in equal amounts from each Variable Annuity payment. We do not deduct the annual Account Fee from Fixed Annuity payments.

Annuity Payment Rates

The Contracts contain Annuity Payment Rates for each Annuity Option described in this Prospectus. The rates show, for each $1,000 applied, the dollar amount of: (a) the first monthly Variable Annuity payment based on the assumed interest rate specified in the applicable Contract (3% per year, compounded annually); and (b) the monthly Fixed Annuity payment, when this payment is based on the minimum guaranteed interest rate specified in the Contract (at least 2.5% per year, compounded annually). We may change these rates under Group Contracts for Accounts established after the effective date of such change (see "Other Contract Provisions -- Modification").

The Annuity Payment Rates may vary according to the Annuity Option elected and the adjusted age of the Annuitant. The Contracts also describe the method of determining the adjusted age of the Annuitant. The mortality table used in determining the Annuity Payment Rates for Annuity Options A, B and C is the Annuity 2000 Table.

Annuity Options as Method of Payment for Death Benefit

You or your Beneficiary may also select one or more Annuity Options to be used in the event of the covered person's death before the Income Phase, as described under the "Death Benefit" section of this Prospectus. In that case, your Beneficiary will be the Annuitant. The Annuity Commencement Date will be the first day of the second month beginning after the Death Benefit Date.

OTHER CONTRACT PROVISIONS

Exercise of Contract Rights

An Individual Contract belongs to the individual to whom the Contract is issued. A Group Contract belongs to the Owner. In the case of a Group Contract, the Owner may expressly reserve all Contract rights and privileges; otherwise, each Participant will be entitled to exercise such rights and privileges. In any case, such rights and privileges can be exercised without the consent of the Beneficiary (other than an irrevocably designated Beneficiary) or any other person. Such rights and privileges may be exercised only before the Annuity Commencement Date, except as the Contract otherwise provides.

The Annuitant becomes the Payee on and after the Annuity Commencement Date. The Beneficiary becomes the Payee on the death of the Covered Person prior to the Annuity Commencement Date, or on the death of the Annuitant after the Annuity Commencement Date. Such Payee may thereafter exercise such rights and privileges, if any, of ownership which continue.

Change of Ownership

Ownership of a Qualified Contract may not be transferred except to: (1) the Annuitant; (2) a trustee or successor trustee of a pension or profit sharing trust which is qualified under Section 401 of the Internal Revenue Code; (3) the employer of the Annuitant, provided that the Qualified Contract after transfer is maintained under the terms of a retirement plan qualified under Section 403(a) of the Internal Revenue Code for the benefit of the Annuitant; (4) the trustee or custodian of an individual retirement account plan qualified under Section 408 of the Internal Revenue Code for the benefit of the Participants under a Group Contract; or (5) as otherwise permitted from time to time by laws and regulations governing the retirement or deferred compensation plans for which a Qualified Contract may be issued. Subject to the foregoing, a Qualified Contract may not be sold, assigned, transferred, discounted or pledged as collateral for a loan or as security for the performance of an obligation or for any other purpose to any person other than the Company.

The Owner of a Non-Qualified Contract may change the ownership of the Contract prior to the Annuity Commencement Date; and each Participant, in like manner, may change the ownership interest in a Contract. A change of ownership will not be binding on us until we receive written notification. When we receive such notification, the change will be effective as of the date on which the request for change was signed by the Owner or Participant, as appropriate, but the change will be without prejudice to us on account of any payment we make or any action we take before receiving the change. If you change the Owner of a Non-Qualified Contract, you will become immediately liable for the payment of taxes on any gain realized under the Contract prior to the change of ownership, including possible liability for a 10% federal excise tax.

Change of ownership may affect the availability of optional death benefit riders or the expenses incurred with the optional death benefit riders.

Voting of Fund Shares

We will vote Fund shares held by the Sub-Accounts at meetings of shareholders of the Funds or in connection with similar solicitations, but will follow voting instructions received from persons having the right to give voting instructions. During the Accumulation Phase, you will have the right to give voting instructions, in the case of a Group Contract where the Owner has reserved this right. During the Income Phase, the Payee (that is the Annuitant or Beneficiary entitled to receive benefits) is the person having such voting rights. We will vote any shares attributable to us and Fund shares for which no timely voting instructions are received in the same proportion as the shares for which we receive instructions from Owners, Participants and Payees, as applicable.

Owners of Qualified Contracts issued on a group basis may be subject to other voting provisions of the particular plan and under the Investment Company Act of 1940. Employees who contribute to plans that are funded by the Contracts may be entitled to instruct the Owners as to how to instruct us to vote the Fund shares attributable to their contributions. Such plans may also provide the additional extent, if any, to which the Owners shall follow voting instructions of persons with rights under the plans. If no voting instructions are received from any such person with respect to a particular Participant Account, the Owner may instruct the Company as to how to vote the number of Fund shares for which instructions may be given.

Neither the Variable Account nor the Company is under any duty to provide information concerning the voting instruction rights to persons who may have such rights under plans, other than rights afforded under the Investment Company Act of 1940, or any duty to inquire as to the instructions received by Owners, Participants or others, or the authority of any such persons, to instruct the voting of Fund shares. Except as the Variable Account or the Company has actual knowledge to the contrary, the instructions given by Owners under Group Contracts and Payees will be valid as they affect the Variable Account, the Company and any others having voting instruction rights with respect to the Variable Account.

All Fund proxy material, together with an appropriate form to be used to give voting instructions, will be provided to each person having the right to give voting instructions at least 10 days prior to each meeting of the shareholders of the Fund. We will determine the number of Fund shares as to which each such person is entitled to give instructions as of the record date set by the Fund for such meeting, which is expected to be not more than 90 days prior to each such meeting. Prior to the Annuity Commencement Date, the number of Fund shares as to which voting instructions may be given to the Company is determined by dividing the value of all of the Variable Accumulation Units of the particular Sub-Account credited to the Participant Account by the net asset value of one Fund share as of the same date. On or after the Annuity Commencement Date, the number of Fund shares as to which such instructions may be given by a Payee is determined by dividing the reserve held by the Company in the Sub-Account with respect to the particular Payee by the net asset value of a Fund share as of the same date. After the Annuity Commencement Date, the number of Fund shares as to which a Payee is entitled to give voting instructions will generally decrease due to the decrease in the reserve.


 
 

 

Reports to Owners

We will send you, by regular U.S. mail, confirmation of all Purchase Payments (including any interest credited), withdrawals, (including any withdrawal charges, negative market value adjustments, and federal taxes on withdrawals), minimum distributions, death benefit payments, and transfers (excluding dollar-cost averaging transfers). Such confirmations will be sent within two business days after the transaction occurs.

In addition, within 5 business days after each Account Quarter, we will send you a statement showing your current Account Value, death benefit value, and investment allocation by asset class. Each quarterly statement will detail transactions that occurred during the last Account Quarter including Purchase Payments, annuity payments, transfers (including dollar-cost averaging transfers), partial withdrawals, systematic withdrawals, minimum distributions, portfolio rebalancing, asset reallocations, interest credited on fixed accounts, and annual contract fees assessed. 

We will also send you annual and semi-annual reports of the funds in which you are invested, including a list of investments held by each portfolio as of the current date of the report.

It is your obligation to review each such statement carefully and to report to us, at the address or telephone number provided on the statement, any errors or discrepancies in the information presented therein within 60 days of the date of such statement. Unless we receive notice of any such error or discrepancy from you within such period, we may not be responsible for correcting the error or discrepancy.

Substitution of Securities

Shares of any or all Funds may not always be available for investment under the Contract. We may add or delete Funds or other investment companies as variable investment options under the Contract. We may also substitute for the shares held in any Sub Account shares of another Fund or shares of another registered open-end investment company or unit investment trust, provided that the substitution has been approved, if required, by the SEC. In the event of any substitution pursuant to this provision, we may make appropriate endorsement to the Contract to reflect the substitution.

Change in Operation of Variable Account

At our election and subject to any necessary vote by persons having the right to give instructions with respect to the voting of Fund shares held by the Sub-Accounts, the Variable Account may be operated as a management company under the Investment Company Act of 1940 or it may be deregistered under the Investment Company Act of 1940 in the event registration is no longer required. Deregistration of the Variable Account requires an order by the SEC. In the event of any change in the operation of the Variable Account pursuant to this provision, we may make appropriate endorsement to the Contract to reflect the change and take such other action as may be necessary and appropriate to effect the change.

Splitting Units

We reserve the right to split or combine the value of Variable Accumulation Units, Annuity Units or any of them. In effecting any such change of unit values, strict equity will be preserved and no change will have a material effect on the benefits or other provisions of the Contract.

Modification

Upon notice to the Participant, in the case of an Individual Contract, and the Owner and Participant(s), in the case of a Group Contract (or the Payee(s) during the Income Phase), we may modify the Contract if such modification: (1) is necessary to make the Contract or the Variable Account comply with any law or regulation issued by a governmental agency to which the Company or the Variable Account is subject; (2) is necessary to assure continued qualification of the Contract under the Internal Revenue Code or other federal or state laws relating to retirement annuities or annuity contracts; (3) is necessary to reflect a change in the operation of the Variable Account or the Sub-Account(s) (see "Change in Operation of Variable Account"); (4) provides additional Variable Account and/or fixed accumulation options; or (5) as may otherwise be in the best interests of Owners, Participants, or Payees, as applicable. In the event of any such modification, we may make appropriate endorsement in the Contract to reflect such modification.

In addition, upon notice to the Owner, we may modify a Group Contract to change the withdrawal charges, Account Fee, mortality and expense risk charges, administrative expense charges, the tables used in determining the amount of the first monthly variable annuity and fixed annuity payments and the formula used to calculate the Market Value Adjustment, provided that such modification applies only to Participant Accounts established after the effective date of such modification. In order to exercise our modification rights in these particular instances, we must notify the Owner of such modification in writing. The notice shall specify the effective date of such modification which must be at least 60 days following the date we mail notice of modification. All of the charges and the annuity tables which are provided in the Group Contract prior to any such modification will remain in effect permanently, unless improved by the Company, with respect to Participant Accounts established prior to the effective date of such modification.

Discontinuance of New Participants

We may limit or discontinue the acceptance of new Applications and the issuance of new Certificates under a Group Contract by giving 30 days prior written notice to the Owner. This will not affect rights or benefits with respect to any Participant Accounts established under such Group Contract prior to the effective date of such limitation or discontinuance.

Reservation of Rights

We reserve the right, to the extent permitted by law, to: (1) combine any 2 or more variable accounts or Sub-Accounts; (2) add or delete Funds, sub-series thereof or other investment companies and corresponding Sub-Accounts; (3) add or remove Guarantee Periods available at any time for election by a Participant; and (4) restrict or eliminate any of the voting rights of Participants (or Owners) or other persons who have voting rights as to the Variable Account. Where required by law, we will obtain approval of changes from Participants or any appropriate regulatory authority. In the event of any change pursuant to this provision, we may make appropriate endorsement to the Contract to reflect the change.

Right to Return

If you are not satisfied with your Contract, you may return it by mailing or delivering it to us at our Annuity Mailing Address, as shown on the cover of this Prospectus, within 10 days, or longer if required by your state, after it was delivered to you. State law may also allow you to return the Contract to your sales representative. When we receive the returned Contract, it will be cancelled and we will refund to you your Account Value. If applicable state law requires, we will return the full amount of any Purchase Payment(s) we received.

If you are establishing an Individual Retirement Annuity ("IRA"), the Internal Revenue Code requires that we give you a disclosure statement containing certain information about the Contract and applicable legal requirements. We must give you this statement on or before the date the IRA is established. If we give you the disclosure statement before the seventh day preceding the date the IRA is established, you will not have any right of revocation under the Code. If we give you the disclosure statement at a later date, then you may give us a notice of revocation at any time within 7 days after your Contract Date. Upon such revocation, we will refund your Purchase Payment(s). This right of revocation with respect to an IRA is in addition to the return privilege set forth in the preceding paragraph. We allow a Participant establishing an IRA a "ten day free-look," notwithstanding the provisions of the Internal Revenue Code.

TAX CONSIDERATIONS

This section provides general information on the federal income tax consequences of ownership of a Contract based upon our understanding of current federal tax laws. Actual federal tax consequences will vary depending on, among other things, the type of retirement plan under which your Contract is issued. Also, legislation altering the current tax treatment of annuity contracts could be enacted in the future and could apply retroactively to Contracts that were purchased before the date of enactment. We make no attempt to consider any applicable federal estate, federal gift, state, or other tax laws. We also make no guarantee regarding the federal, state, or local tax status of any Contract or any transaction involving any Contract. You should consult a qualified tax professional for advice before purchasing a Contract or executing any other transaction (such as a rollover, distribution, withdrawal or payment) involving a Contract.


 
 

 

U.S. Federal Income Tax Considerations

The following discussion applies only to those Contracts issued in the United States. For a discussion of tax considerations effecting Contracts issued in Puerto Rico, see "Puerto Rico Tax Considerations."

     Deductibility of Purchase Payments

For federal income tax purposes, Purchase Payments made under Non-Qualified Contracts are not deductible. Under certain circumstances, Purchase Payments made under Qualified Contracts may be excludible or deductible from taxable income. Any such amounts will also be excluded from the "investment in the contract" for purposes of determining the taxable portion of any distributions from a Qualified Contract. As a general rule, regardless of whether you own a Qualified or a Non-Qualified Contract, the amount of your tax liability on earnings and distributions will depend upon the specific tax rules applicable to your Contract and your particular circumstances.

     Pre-Distribution Taxation of Contracts

Generally, an increase in the value of a Contract will not give rise to a current income tax liability to the Owner of a Contract or to any payee under the Contract until a distribution is received from the Contract. However, certain assignments or pledges of a Contract or loans under a Contract will be treated as distributions to the Owner of the Contract and will accelerate the taxability of any increases in the value of a Contract.

Also, corporate (or other non-natural person) Owners of a Non-Qualified Contract will generally incur a current tax liability on Account Value increases. There are certain exceptions to this current taxation rule, including: (i) any Contract that is an "immediate annuity", which the Internal Revenue Code (the "Code") defines as a single premium contract with an annuity commencement date within one year of the date of purchase which provides for a series of substantially equal periodic payments (to be made not less frequently than annually) during the annuity period, and (ii) any Contract that the non-natural person holds as agent for a natural person (such as where a bank or other entity holds a Contract as trustee under a trust agreement).

You should note that a qualified retirement plan generally provides tax deferral regardless of whether the plan invests in an annuity contract. For that reason, no decision to purchase a Qualified Contract should be based on the assumption that the purchase of a Qualified Contract is necessary to obtain tax deferral under a qualified plan.

     Distributions and Withdrawals from Non-Qualified Contracts

The Account Value of a Non-Qualified Contract will generally include both (i) an amount attributable to Purchase Payments, the return of which will not be taxable, and (ii) an amount attributable to investment earnings, the receipt of which will be taxable at ordinary income rates. The relative portions of any particular distribution that derive from nontaxable Purchase Payments and taxable investment earnings depend upon the nature and the timing of that distribution.

Any withdrawal of less than your entire Account Value under a Non-Qualified Contract before the Annuity Commencement Date, must be treated as a receipt of investment earnings. You may not treat such withdrawals as a non-taxable return of Purchase Payments unless you have first withdrawn the entire amount of the Account Value that is attributable to investment earnings. For purposes of determining whether an Owner has withdrawn the entire amount of the investment earnings under a Non-Qualified Contract, the Code provides that all Non-Qualified deferred annuity contracts issued by the same company to the same Owner during any one calendar year must be treated as one annuity contract. If you withdraw your entire Account Value under a Non-Qualified Contract before the Annuity Commencement Date (a "full surrender"), the taxable portion will equal the amount you receive less the "investment in the contract" (i.e., the total Purchase Payments (excluding amounts that were deductible by, or excluded from the gross income of, the Owner of a Contract), less any Purchase Payments that were amounts previously received which were not includable in income).

A Payee who receives annuity payments under a Non-Qualified Contract after the Annuity Commencement Date will generally be able to treat a portion of each payment as a nontaxable return of Purchase Payments and to treat only the remainder of each such payment as taxable investment earnings. Until the Purchase Payments have been fully recovered in this manner, the nontaxable portion of each payment will be determined by the ratio of (i) the total amount of the Purchase Payments made under the Contract, to (ii) the Payee's expected return under the Contract. Once the Payee has received nontaxable payments in an amount equal to total Purchase Payments, no further exclusion is allowed and all future distributions will constitute fully taxable ordinary income. If payments are terminated upon the death of the Annuitant or other Payee before Purchase Payments have been fully recovered, the unrecovered Purchase Payments may be deducted on the final return of the Annuitant or other Payee.

A penalty tax of 10% may also apply to taxable cash withdrawals, including lump-sum payments from Non-Qualified Contracts. This penalty will generally not apply to distributions made after age 59½, to distributions pursuant to the death or disability of the Owner, to distributions that are a part of a series of substantially equal periodic payments made not less frequently than annually for life or life expectancy, or to distributions under an immediate annuity (as defined above).

Death benefits paid upon the death of a Contract Owner are not life insurance benefits and will generally be includible in the income of the recipient to the extent they represent investment earnings under the contract. For this purpose, the amount of the investment in the contract is not affected by the Owner's or Annuitant's death, i.e., the investment in the Contract must still be determined by reference to the Owner's investment in the contract. Special mandatory distribution rules also apply after the death of the Owner when the beneficiary is not the surviving spouse of the Owner.
If death benefits are distributed in a lump sum, the taxable amount of those benefits will be determined in the same manner as upon a full surrender of the contract. If death benefits are distributed under an annuity option, the taxable amount of those benefits will be determined in the same manner as annuity payments, as described above.  

Any amounts held under a Non-Qualified Contract that are assigned or pledged as collateral for a loan will also be treated as if withdrawn from the Contract. In addition, upon the transfer of a Non-Qualified Contract by gift (other than to the Owner's spouse), the Owner must treat an amount equal to the Account Value minus the total amount paid for the Contract as income.

     Distributions and Withdrawals from Qualified Contracts

In most cases, all of the distributions you receive from a Qualified Contract will constitute fully taxable ordinary income. Also, a 10% penalty tax will apply to distributions prior to age 59½, except in certain circumstances.

If you receive a distribution from a Qualified Contract used in connection with a qualified pension plan, from a tax-sheltered annuity, a governmental Code Section 457 plan or an individual retirement annuity "IRA" and roll over some or all that distribution to another eligible plan, following the rules set out in the Code and IRS regulations, the portion of such distribution that is rolled over will not be includible in your income. An eligible rollover distribution from a qualified plan, tax-sheltered annuity or governmental Section 457 plan will be subject to 20% mandatory withholding as described below. Because the amount of the cash paid to you as an eligible rollover distribution will be reduced by this withholding, you will not be able to roll over the entire account balance under your Contract, unless you use other funds equal to the tax withholding to complete the rollover. Rollovers of IRA distributions are not subject to the 20% mandatory withholding requirement.

An eligible rollover distribution from a qualified plan, governmental Section 457 plan or tax-sheltered annuity is any distribution of all or any portion of the balance to the credit of an employee, except that the term does not include:
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a distribution which is one of a series of substantially equal periodic payments made annually under a lifetime annuity or for a specified period of ten years or more;
   
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any required minimum distribution; or
   
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any hardship distribution.

Only you or your surviving spouse Beneficiary may elect to roll over a distribution to an eligible retirement plan. However, a non-surviving-spouse Beneficiary may able to directly transfer a distribution to a so-called inherited IRA that will be subject to the IRS distribution rules applicable to beneficiaries.


 
 

 

     Withholding

In the case of an eligible rollover distribution (as defined above) from a Qualified Contract (other than from an IRA), we (or the plan administrator) must withhold and remit to the U.S. Government 20% of the distribution, unless the Participant or Payee elects to make a direct rollover of the distribution to another qualified retirement plan that is eligible to receive the rollover; however, only you or your surviving spouse Beneficiary may elect a direct rollover. In the case of a distribution from (i) a Non-Qualified Contract, (ii) an IRA, or (iii) a Qualified Contract where the distribution is not an eligible rollover distribution, we will withhold and remit to the U.S. Government a part of the taxable portion of each distribution unless, prior to the distribution, the Participant or Payee provides us his or her taxpayer identification number and instructs us (in the manner prescribed) not to withhold. The Participant or Payee may credit against his or her federal income tax liability for the year of distribution any amounts that we (or the plan administrator) withhold.

     Investment Diversification and Control

The Treasury Department has issued regulations that prescribe investment diversification requirements for the mutual fund series underlying non-qualified variable contracts. All Non-Qualified Contracts must comply with these regulations to qualify as annuities for federal income tax purposes. The owner of a Non-Qualified Contract that does not meet these guidelines will be subject to current taxation on annual increases in value of the Contract. We believe that each Fund available as an investment option under the Contract complies with these regulations.

The IRS has stated that satisfaction of the diversification requirements described above by itself does not prevent a contract owner from being treated as the owner of separate account assets under an "owner control" test. If a contract owner is treated as the owner of separate account assets for tax purposes, the contract owner would be subject to taxation on the income and gains from the separate account assets. In published revenue rulings through 1982 and then again in 2003, the IRS has stated that a variable contract owner will be considered the owner of separate account assets if the owner possesses incidents of ownership in those assets, such as the ability to exercise control over the investment of the assets. In Revenue Ruling 2003-91, the IRS considered certain variable annuity and variable life insurance contracts and concluded that the owners of the variable contracts would not be considered the owners of the contracts' underlying assets for federal income tax purposes.

Revenue Ruling 2003-91 states that the determination of whether the owner of a variable contract possesses sufficient incidents of ownership over the assets underlying the variable contract so as to be deemed the owner of those assets for federal income tax purposes will depend on all the facts and circumstances. We do not believe that the differences between the Contract and the contracts described in Revenue Ruling 2003-91 should prevent the holding in Revenue Ruling 2003-91 from applying. Nevertheless, you should consult with a qualified tax professional on the potential impact of the investor control rules of the IRS as they relate to the investment decisions and activities you may undertake with respect to the Contract. In addition, the IRS and/or the Treasury Department may issue new rulings, interpretations or regulations on this subject in the future. Accordingly, we therefore reserve the right to modify the Contracts as necessary to attempt to prevent you from being considered the owner, for tax purposes, of the underlying assets. We also reserve the right to notify you if we determine that it is no longer practicable to maintain the Contract in a manner that was designed to prevent you from being considered the owner of the assets of the Separate Account. You bear the risk that you may be treated as the owner of Separate Account assets and taxed accordingly.

     Tax Treatment of the Company and the Variable Account

As a life insurance company under the Code, we will record and report operations of the Variable Account separately from other operations. The Variable Account will not, however, constitute a regulated investment company or any other type of taxable entity distinct from our other operations. Under present law, we will not incur tax on the income of the Variable Account (consisting primarily of interest, dividends, and net capital gains) if we use this income to increase reserves under Contracts participating in the Variable Account.

     Qualified Retirement Plans

"Qualified Contracts" are Contracts used with plans that receive tax-deferral treatment pursuant to specific provisions of the Code. Annuity contracts also receive tax-deferral treatment. It is not necessary that you purchase an annuity contract to receive the tax-deferral treatment available through a Qualified Contract. If you purchase this annuity Contract as a Qualified Contract, you do not receive additional tax-deferral. Therefore, if you purchase this annuity Contract as a Qualified Contract, you should do so for reasons other than obtaining tax deferral.

You may use Qualified Contracts with several types of qualified retirement plans. Because tax consequences will vary with the type of qualified retirement plan and the plan's specific terms and conditions, we provide below only brief, general descriptions of the consequences that follow from using Qualified Contracts in connection with various types of qualified retirement plans. We stress that the rights of any person to any benefits under these plans may be subject to the terms and conditions of the plans themselves, regardless of the terms of the Qualified Contracts that you are using. These terms and conditions may include restrictions on, among other things, ownership, transferability, assignability, contributions and distributions.

     Pension and Profit-Sharing Plans

Sections 401(a), 401(k) and 403(a) of the Code permit business employers and certain associations to establish various types of retirement plans for employees. The Code requirements are similar for qualified retirement plans of corporations and those of self-employed individuals. Self-employed persons, as a general rule, may therefore use Qualified Contracts as a funding vehicle for their retirement plans.

     Tax-Sheltered Annuities

Section 403(b) of the Code permits public school employees and employees of certain types of charitable, educational and scientific organizations specified in Section 501(c)(3) of the Code to purchase annuity contracts and, subject to certain limitations, exclude the amount of purchase payments from gross income for tax purposes. The Code imposes restrictions on cash withdrawals from Section 403(b) annuities.

If the Contracts are to receive tax-deferred treatment, cash withdrawals of amounts attributable to salary reduction contributions (other than withdrawals of accumulation account value as of December 31, 1988) may be made only when the Participant attains age 59½, has a severance from employment with the employer, dies or becomes disabled (within the meaning of Section 72(m)(7) of the Code). These restrictions apply to (i) any post-1988 salary reduction contributions, (ii) any growth or interest on post-1988 salary reduction contributions, (iii) any growth or interest on pre-1989 salary reduction contributions that occurs on or after January 1, 1989, and (iv) any pre-1989 salary reduction contributions since we do not maintain records that separately account for such contributions. It is permissible, however, to withdraw post-1988 salary reduction contributions (but not the earnings attributable to such contributions) in cases of financial hardship. While the Internal Revenue Service has not issued specific rules defining financial hardship, we expect that to qualify for a hardship distribution, the Participant must have an immediate and heavy bona fide financial need and lack other resources reasonably available to satisfy the need. Hardship withdrawals (as well as certain other premature withdrawals) will be subject to a 10% tax penalty, in addition to any withdrawal charge applicable under the Contracts. Under certain circumstances the 10% tax penalty will not apply if the withdrawal is for medical expenses.

Section 403(b) annuities, like IRAs, are subject to required minimum distributions under the Code. Section 403(b) annuities are unique, however, in that any account balance accruing before January 1, 1987 (the "pre-1987 balance") needs to comply with only the minimum distribution incidental benefit (MDIB) rule and not also with the minimum distribution rules set forth in Section 401(a)(9) of the Code. This special treatment for any pre-1987 balance is, however, conditioned upon the issuer identifying the pre-1987 balance and maintaining accurate records of changes to the balance. Since we do not maintain such records, your pre-1987 balance, if any, will not be eligible for special distribution treatment.

Under the terms of a particular Section 403(b) plan, the Participant may be entitled to transfer all or a portion of the Account Value to one or more alternative funding options. Participants should consult the documents governing their plan and the person who administers the plan for information as to such investment alternatives.

     Individual Retirement Arrangements

Sections 219 and 408 of the Code permit eligible individuals to contribute to a so-called "traditional" individual retirement program, including Individual Retirement Accounts and Annuities, Simplified Employee Pension Plans, and SIMPLE Retirement Accounts. Such IRAs are subject to limitations on contribution levels, the persons who may be eligible, and on the time when distributions may commence. In addition, certain distributions from some other types of retirement plans may be placed in an IRA on a tax-deferred basis. The Internal Revenue Service imposes special information requirements with respect to IRAs and we will provide purchasers of the Contracts as Individual Retirement Annuities with any necessary information. You will have the right to revoke a Contract issued as an Individual Retirement Annuity under certain circumstances, as described in the section of this Prospectus entitled "Right to Return." If your Contract is issued in connection with an Individual Retirement Account, we have no information about the Account and you should contact the Account's trustee or custodian.

     Roth Individual Retirement Arrangements

Section 408A of the Code permits an individual to contribute to an individual retirement program called a Roth IRA. Unlike contributions to a traditional IRA under Section 408 of the Code, contributions to a Roth IRA are not tax-deductible. Provided certain conditions are satisfied, distributions are generally tax-free. Like traditional IRAs, Roth IRAs are subject to limitations on contribution amounts and the timing of distributions. If you convert a traditional Individual Retirement Annuity Contract into a Roth IRA Contract or your Individual Retirement Account that holds a Contract is converted to a Roth Individual Retirement Account, the fair market value of the Contract is included in taxable income. Under IRS regulations and Revenue Procedure 2006-13, fair market value may exceed the Contract's account balance. Thus, you should consult with a qualified tax professional prior to any conversion.

The Internal Revenue Service imposes special information requirements with respect to Roth IRAs and we will provide the necessary information for Contracts issued as Roth Individual Retirement Annuities. If your Contract is issued in connection with a Roth Individual Retirement Account, we have no information about the Account and you should contact the Account's trustee or custodian.

     Impact of Optional Death Benefit Riders

Qualified Contracts. If your Contract is a traditional IRA annuity or a 403(b) TSA annuity, it is subject to certain required minimum distribution (RMD) requirements imposed by the Internal Revenue Code and IRS regulations. Under the RMD rules, distributions must begin no later than April 1 of the calendar year following the year in which you attain age 70½ or, for non-IRAs, the date of retirement instead of age 70½ if it is later. The RMD amount for a distribution calendar year is generally calculated by dividing the Contract's value as of 12/31 of the prior calendar year by the applicable distribution factor set forth in a Uniform Lifetime Table in the IRS regulations. For Contracts issued in connection with traditional Individual Retirement Accounts, you should contact the Account's trustee or custodian about RMD requirements since we only provide the trustee or custodian with the Contract's value (including any actuarial present value of additional benefits discussed below) so that it can be used in the Account's RMD calculations.

Effective with the 2006 distribution calendar year, the actuarial present value as of 12/31 of any additional benefits that are provided under your Contract (such as optional death benefits) will be added to the Contract's Account Value as of 12/31 in order to calculate the RMD amount. There are two exceptions to the requirement that the actuarial present value of an additional benefit must be added to the Account Value for RMD calculation purposes. First, if the only additional benefit provided under a Contract is a return of premium death benefit (i.e., a benefit under which the final payment does not exceed the amount of purchase payments made less prior distributions), then the additional benefit is disregarded and the RMD calculation uses only the 12/31 Account Value. Second, if (1) the Contract provides only for additional benefits that are each reduced on a proportional basis in the event of distributions, with or without a return of premium death benefit that is not reduced in amount proportionately in the event of distributions and (2) the actuarial present value of all the Contract's additional benefits is no more than 20% of the 12/31 Account Value, then the additional benefits are disregarded and the RMD calculation uses only the 12/31 Account Value. When we notify you of the RMD amount for a distribution calendar year, we will inform you if the calculation included the actuarial present value of additional benefits. Because of the above requirements, your initial or renewal election of an optional rider could cause your RMD amount to be higher than it would be without such an election. Prior to electing to participate in (or, if applicable, prior to renewing your participation in) any optional rider, you should consult with a qualified tax professional as to the possible effect of that rider on your yearly RMD amounts.

You may take an RMD amount calculated for a particular IRA annuity from that annuity or from another IRA account or IRA annuity of yours. Similarly, you may take an RMD amount calculated for a particular TSA annuity from that annuity or from another TSA account or TSA annuity of yours. If your Qualified Contract is an asset of a qualified retirement plan, the qualified plan is subject to the RMD requirements and the Contract, as an asset of the qualified plan, may need to be used as a source of funds for the RMDs.

If your Contract is a traditional Individual Retirement Annuity or is held by your traditional Individual Retirement Account and you might convert in the future to a Roth IRA (see "Roth Individual Retirement Arrangements"), then your initial or renewal election of an optional rider could cause your taxable income upon conversion to be higher than it would be without such an election. Prior to electing to participate in (or, if applicable, prior to renewing your participation in) any optional death benefit, you should consult with a qualified tax professional as to the possible effect of that benefit on conversion taxable income.

Non-Qualified Contracts. We are required to make a determination as to the taxability of any withdrawal you make in order to be able to annually report to the IRS and you information about your withdrawal. Under the Internal Revenue Code, any withdrawal from a Non-Qualified Contract is taxable to the extent the annuity's cash value (determined without regard to surrender charges) exceeds the investment in the contract. There is no definition of "cash value" in the Code and, for tax reporting purposes, we are currently treating it as the Account Value of the Contract. However, there can be no assurance that the IRS will agree that this is the correct cash value. The IRS could, for example, determine that the cash value is the Account Value plus an additional amount representing the value of an optional rider. If this were to occur, election of an optional rider could cause any withdrawal to have a higher proportion of the withdrawal derived from taxable investment earnings. Prior to electing to participate in an optional rider, you should consult with a qualified tax professional as to the meaning of "cash value."

Puerto Rico Tax Considerations

The Contract offered by this Prospectus is considered an annuity contract under Section 1022 of the Puerto Rico Internal Revenue Code of 1994, as amended (the "1994 Code"). Under the current provisions of the 1994 Code, no income tax is payable on increases in value of accumulation shares of annuity units credited to a variable annuity contract until payments are made to the annuitant or other payee under such contract.

When payments are made from your Contract in the form of an annuity, the annuitant or other payee will be required to include as gross income the lesser of the amount received during the taxable year or the portion of the amount received equal to 3% of the aggregate premiums or other consideration paid for the annuity. The amount, if any, in excess of the included amount is excluded from gross income as a return of premium. After an amount equal to the aggregate premiums or other consideration paid for the annuity has been excluded from gross income, all of the subsequent annuity payments are considered to be taxable income.

When a payment under a Contract is made in a lump sum, the amount of the payment would be included in the gross income of the Annuitant or other Payee to the extent it exceeds the Annuitant's aggregate premiums or other consideration paid.

The provisions of the 1994 Code with respect to qualified retirement plans described in this Prospectus vary significantly from those under the Internal Revenue Code. We currently offer the Contract in Puerto Rico in connection with Individual Retirement Arrangements that qualify under the U.S. Internal Revenue Code but do not qualify under the Puerto Rico 1994 Code. See the applicable text of this Prospectus under the heading "Federal Tax Status" dealing with such Arrangements and their RMD requirements. We may make Contracts available for use with other retirement plans that similarly qualify under the U.S. Internal Revenue Code but do not qualify under the Puerto Rico 1994 Code.

As a result of IRS Revenue Ruling 2004-75, as amplified by Revenue Ruling 2004-97, we will treat Contract distributions and withdrawals occurring on or after January 1, 2005 as U.S.-source income that is subject to U.S. income tax withholding and reporting. Under "TAX CONSIDERATIONS", see "Pre-Distribution Taxation of Contracts", "Distributions and Withdrawals from Non-Qualified Contracts", "Withholding" and "Non-Qualified Contracts". You should consult a qualified tax professional for advice regarding the effect of Revenue Ruling 2004-75 on your U.S. and Puerto Rico income tax situation.

For information regarding the income tax consequences of owning a Contract, you should consult a qualified tax professional.

ADMINISTRATION OF THE CONTRACT

We perform certain administrative functions relating to the Contract, Participant Accounts, and the Variable Account. These functions include, but are not limited to, maintaining the books and records of the Variable Account and the Sub-Accounts; maintaining records of the name, address, taxpayer identification number, Contract number, Participant Account number and type, the status of each Participant Account and other pertinent information necessary to the administration and operation of the Contract; processing Applications, Purchase Payments, transfers and full and partial withdrawals; issuing Contracts and Certificates; administering annuity payments; furnishing accounting and valuation services; reconciling and depositing cash receipts; providing confirmations; providing toll-free customer service lines; and furnishing telephonic transfer services.

DISTRIBUTION OF THE CONTRACT
We offer the Contract on a continuous basis. Contracts are sold by licensed insurance agents ("the Selling Agents") in those states where the Contract may be lawfully sold. Such Selling Agents will be registered representatives of affiliated and unaffiliated broker-dealer firms ("the Selling Broker-Dealers") registered under the Securities Exchange Act of 1934 who are members of the National Association of Securities Dealers, Inc. and who have entered into selling agreements with the Company and the general distributor, Clarendon Insurance Agency, Inc. ("Clarendon"), One Sun Life Executive Park, Wellesley Hills, Massachusetts 02481. Clarendon is a wholly-owned subsidiary of the Company, is registered with the SEC under the Securities Exchange Act of 1934 as a broker-dealer and is a member of the National Association of Securities Dealers, Inc.

The Company (or its affiliates, for purposes of this section only, collectively, "the Company"), pays the Selling Broker-Dealers compensation for the promotion and sale of the Contract. The Selling Agents who solicit sales of the Contract typically receive a portion of the compensation paid by the Company to the Selling Broker-Dealers in the form of commissions or other compensation, depending on the agreement between the Selling Broker-Dealer and their Selling Agent. This compensation is not paid directly by the Contract Owner or the separate account. The Company intends to recoup this compensation through fees and charges imposed under the Contract, and from profits on payments received by the Company for providing administrative, marketing, and other support and services to the Funds.

The amount and timing of commissions the Company may pay to Selling Broker-Dealers may vary depending on the selling agreement but is not expected to be more than 8.50% of Purchase Payments, and 1.25% annually of the Participant's Account Value. The Company may pay or allow other promotional incentives or payments in the form of cash or other compensation to the extent permitted by NASD rules and other applicable laws and regulations.

The Company also pays compensation to wholesaling broker-dealers or other firms or intermediaries, including payments to affiliates of the Company, in return for wholesaling services such as providing marketing and sales support, product training and administrative services to the Selling Agents of the Selling Broker-Dealers. These allowances may be based on a percentage of Purchase Payments and/or a percentage of Contract Value and/or may be a fixed dollar amount.

In addition to the compensation described above, the Company may make additional cash payments, in certain circumstances referred to as "override" compensations, or reimbursements to Selling Broker-Dealers in recognition of their marketing and distribution, transaction processing and/or administrative services support. These payments are not offered to all Selling Broker-Dealers, and the terms of any particular agreement governing the payments may vary among Selling Broker-Dealers depending on, among other things, the level and type of marketing and distribution support provided. Marketing and distribution support services may include, among other services, placement of the Company's products on the Selling Broker-Dealers' preferred or recommended list, access to the Selling Broker-Dealers' registered representatives for purposes of promoting sales of the Company's products, assistance in training and education of the Selling Agents, and opportunities for the Company to participate in sales conferences and educational seminars. The payments or reimbursements may be calculated as a percentage of the particular Selling Broker-Dealer's actual or expected aggregate sales of our variable contracts (including the Contract) or assets held within those contracts (in most cases not to exceed 0.25% of aggregate sales and 0.10% of assets attributable to the Selling-Broker-Dealer, and/or may be a fixed dollar amount. Broker-dealers receiving these additional payments may pass on some or all of the payments to the Selling Agent.

In addition to selling our variable contracts (including the Contract), some Selling Broker-Dealers or their affiliates may have other business relationships with the Company. Those other business relationships may include, for example, reinsurance agreements pursuant to which an affiliate of the Selling Broker-Dealer provides reinsurance to the Company relative to some or all of the Policies or other variable policies issued by the Company or its affiliates. The potential profits for a Selling Broker-Dealer or its affiliate associated with such reinsurance arrangements could indirectly provide incentives to the Selling Broker-Dealer and its Selling Agents to recommend products for which they provide reinsurance over similar products which do not result in potential reinsurance profits to the Selling Broker-Dealer or its affiliate. The operation of an individual contract is not impacted by whether the policy is subject to a reinsurance arrangement between the Company and an affiliate of the Selling Broker-Dealer.

You should ask your Selling Agent for further information about what commissions or other compensation he or she, or the Selling Broker-Dealer for which he or she works, may receive in connection with your purchase of a Contract.

Commissions may be waived or reduced in connection with certain transactions described in this Prospectus under the heading "Waivers; Reduced Charges; Credits; Special Guaranteed Interest Rates." During 2004, 2005, and 2006, approximately $78,039, $47,390, and $39,143, respectively, in commissions were paid to but not retained by Clarendon in connection with the distribution of the Contracts.

AVAILABLE INFORMATION

The Company and the Variable Account have filed with the SEC registration statements under the Securities Act of 1933 relating to the Contracts. This Prospectus does not contain all of the information contained in the registration statements and their exhibits. For further information regarding the Variable Account, the Company and the Contracts, please refer to the registration statements and their exhibits.

In addition, the Company is subject to the informational requirements of the Securities Exchange Act of 1934. We file reports and other information with the SEC to meet these requirements.

You can inspect and copy this information and our registration statements at the SEC's public reference facilities at the following locations: Washington, D.C. -- 450 Fifth Street, N.W., Room 1024, Washington, D.C. 20549; Chicago, Illinois -- 500 West Madison Street, Chicago, IL 60661. The Washington, D.C. office will also provide copies by mail for a fee. You may also find these materials on the SEC's website (http://www.sec.gov).

INCORPORATION OF CERTAIN DOCUMENTS BY REFERENCE

The Company's Annual Report on Form 10-K for the year ended December 31, 2006 filed with the SEC pursuant to Section 13(a) or 15(d) of the Securities Exchange Act of 1934, as amended (the "Exchange Act") is incorporated herein by reference. All documents or reports we file pursuant to Section 13(a), 13(c), 14 or 15(d) of the Exchange Act, after the date of this prospectus and prior to the termination of the offering, shall be deemed incorporated by reference into the prospectus.

The Company will furnish, without charge, to each person to whom a copy of this Prospectus is delivered, upon the written or oral request of such person, a copy of the documents referred to above which have been incorporated by reference into this Prospectus, other than exhibits to such documents (unless such exhibits are specifically incorporated by reference in this Prospectus). Requests for such documents should be directed to the Secretary, Sun Life Assurance Company of Canada (U.S.), One Sun Life Executive Park, Wellesley Hills, Massachusetts 02481, telephone (800) 225-3950.

STATE REGULATION

The Company is subject to the laws of the State of Delaware governing life insurance companies and to regulation by the Commissioner of Insurance of Delaware. An annual statement is filed with the Commissioner of Insurance on or before March lst in each year relating to the operations of the Company for the preceding year and its financial condition on December 31st of such year. Its books and records are subject to review or examination by the Commissioner or his agents at any time and a full examination of its operations is conducted at periodic intervals.

The Company is also subject to the insurance laws and regulations of the other states and jurisdictions in which it is licensed to operate. The laws of the various jurisdictions establish supervisory agencies with broad administrative powers with respect to licensing to transact business, overseeing trade practices, licensing agents, approving policy forms, establishing reserve requirements, fixing maximum interest rates on life insurance policy loans and minimum rates for accumulation of surrender values, prescribing the form and content of required financial statements and regulating the type and amounts of investments permitted. Each insurance company is required to file detailed annual reports with supervisory agencies in each of the jurisdictions in which it does business and its operations and accounts are subject to examination by such agencies at regular intervals.

In addition, many states regulate affiliated groups of insurers, such as the Company, Sun Life (Canada) and its affiliates, under insurance holding company legislation. Under such laws, inter-company transfers of assets and dividend payments from insurance subsidiaries may be subject to prior notice or approval, depending on the size of such transfers and payments in relation to the financial positions of the companies involved. Under insurance guaranty fund laws in most states, insurers doing business therein can be assessed (up to prescribed limits) for policyholder losses incurred by insolvent companies. The amount of any future assessments of the Company under these laws cannot be reasonably estimated. However, most of these laws do provide that an assessment may be excused or deferred if it would threaten an insurer's own financial strength and many permit the deduction of all or a portion of any such assessment from any future premium or similar taxes payable.

Although the federal government generally does not directly regulate the business of insurance, federal initiatives often have an impact on the business in a variety of ways. Current and proposed federal measures which may significantly affect the insurance business include employee benefit regulation, removal of barriers preventing banks from engaging in the insurance business, tax law changes affecting the taxation of insurance companies, the tax treatment of insurance products and its impact on the relative desirability of various personal investment vehicles.

LEGAL PROCEEDINGS

There are no pending legal proceedings affecting the Variable Account. We and our subsidiaries are engaged in various kinds of routine litigation which, in management's judgment, is not of material importance to our respective total assets or material with respect to the Variable Account.

FINANCIAL STATEMENTS

The financial statements of the Company which are included in the SAI should be considered only as bearing on the ability of the Company to meet its obligations with respect to amounts allocated to the Fixed Account and with respect to the death benefit and the Company's assumption of the mortality and expense risks. They should not be considered as bearing on the investment performance of the Fund shares held in the Sub-Accounts of the Variable Account.

The financial statements of the Variable Account for the year ended December 31, 2006 are also included in the SAI.

TABLE OF CONTENTS OF STATEMENT OF ADDITIONAL INFORMATION

Sun Life Assurance Company of Canada (U.S.)
Advertising and Sales Literature
Calculations
     Example of Variable Accumulation Unit Value Calculation
     Example of Variable Annuity Unit Calculation
     Example of Variable Annuity Payment Calculation
Distribution of the Contracts
Designation and Change of Beneficiary
Custodian
Independent Registered Public Accounting Firm
Financial Statements


 
 

 

This Prospectus sets forth information about the Contract and the Variable Account that a prospective purchaser should know before investing. Additional information about the Contract and the Variable Account has been filed with the Securities and Exchange Commission in a Statement of Additional Information dated May 1, 2007, which is incorporated herein by reference. The Statement of Additional Information is available upon request and without charge from Sun Life Assurance Company of Canada (U.S.). To receive a copy, return this request form to the address shown below or telephone (800) 752-7215.



To:
Sun Life Assurance Company of Canada (U.S.)
 
P.O. Box 9133
 
Wellesley, Massachusetts 02481
   
   
 
Please send me a Statement of Additional Information for
 
MFS Regatta Choice Variable and Fixed Annuity
 
Sun Life of Canada (U.S.) Variable Account F.




Name                                                                                                                

Address                                                                                                             

                                                                                                                          

City                                                                     State               Zip                   

Telephone                                                                                                             


 
 

 

APPENDIX A -
GLOSSARY

The following terms as used in this Prospectus have the indicated meanings:

ACCOUNT or PARTICIPANT ACCOUNT: An account established for each Participant to which Net Purchase Payments are credited.

ACCOUNT VALUE: The Variable Accumulation Value, if any, plus the Fixed Accumulation Value, if any, of your Account for any Valuation Period.

ACCOUNT YEAR and ACCOUNT ANNIVERSARY: Your first Account Year is the period 365 days from the date on which we issued your Contract. Your Account Anniversary is the last day of an Account Year. Each Account Year after the first is the 365-day period that begins on your Account Anniversary. For example, if the Contract Date is on March 12, the first Account Year is determined from the Contract Date and ends on March 12 of the following year. Your Account Anniversary is March 12 and all Account Years after the first are measured from March 12. (If the Anniversary Date falls on a non-business day, the previous business day will be used.)

ACCUMULATION PHASE: The period before the Annuity Commencement Date and during the lifetime of the Annuitant during which you make Purchase Payments under the Contract. This is called the "Accumulation Period" in the Contract.

*ANNUITANT: The person or persons to whom the first annuity payment is made. If the Annuitant dies prior to the Annuity Commencement Date, the Co-Annuitant will become the sole Annuitant. If the Co-Annuitant dies or if no Co-Annuitant is named, the Participant becomes the Annuitant upon the Annuitant's death prior to the Annuity Commencement Date. If you have not named a sole Annuitant on the 30th day before the Annuity Commencement Date and both the Annuitant and Co-Annuitant are living, the Co-Annuitant will be the sole Annuitant/Payee during the Income Phase.

ANNUITY COMMENCEMENT DATE: The date on which the first annuity payment under each Contract is to be made.

ANNUITY OPTION: The method you choose for making annuity payments.

ANNUITY UNIT: A unit of measure used in the calculation of the amount of the second and each subsequent Variable Annuity payment from the Variable Account.

APPLICATION: The document signed by you or other evidence acceptable to us that serves as your application for participation under a Group Contract or purchase of an Individual Contract.

*BENEFICIARY: The person or entity having the right to receive the death benefit and, for a Certificate issued under a Non-Qualified Contract, who is the "designated beneficiary" for purposes of Section 72(s) of the Code in the event of the Participant's death. Notwithstanding the foregoing, if there are Co-Participants of a Non-Qualified Contract, the surviving Co-Participant will be deemed the beneficiary under the preceding sentence and any other designated beneficiary will be treated as a contingent beneficiary.

BUSINESS DAY: Any day the New York Stock Exchange is open for trading. Also, any day on which we make a determination of the value of a Variable Accumulation Unit.

CERTIFICATE: The document for each Participant which evidences the coverage of the Participant under a Group Contract.

COMPANY ("WE," "US," "SUN LIFE (U.S.)"): Sun Life Assurance Company of Canada (U.S.).

CONTRACT: Any Individual Contract, Group Contract, or Certificate issued under a Group Contract.

CONTRACT DATE: The date on which we issue your Contract. This is called the "Date of Coverage" in the Contract.

COVERED PERSON: The person(s) identified as such in the Contract whose death will trigger the death benefit provisions of the Contract and whose medically necessary stay in a hospital or nursing facility may allow the Participant to be eligible for a waiver of the withdrawal charge. The Participant/Owner is the Covered Person unless there is a non-natural Owner, such as a trust, in which case the Annuitant is the Covered Person.

DEATH BENEFIT DATE: If you have elected a death benefit payment option before the Covered Person's death that remains in effect, the date on which we receive Due Proof of Death. If your Beneficiary elects the death benefit payment option, the later of (a) the date on which we receive the Beneficiary's election and (b) the date on which we receive Due Proof of Death. If we do not receive the Beneficiary's election within 60 days after we receive Due Proof of Death, the Death Benefit Date will be the last day of the 60 day period and we will pay the death benefit in one lump sum.

DUE PROOF OF DEATH: An original certified copy of an official death certificate, an original certified copy of a decree of a court of competent jurisdiction as to the finding of death, or any other proof satisfactory to the Company.

FIXED ACCOUNT: The general account of the Company, consisting of all assets of the Company other than those allocated to a separate account of the Company.

FIXED ACCOUNT VALUE: The value of that portion of your Account allocated to the Fixed Account.

FIXED ANNUITY: An annuity with payments which do not vary as to dollar amount.

FUND: A registered management investment company, or series thereof, in which assets of a Sub-Account may be invested.

GROUP CONTRACT: A Contract issued by the Company on a group basis.

GUARANTEE AMOUNT: Each separate allocation of Account Value to a particular Guarantee Period (including interest earned thereon).

GUARANTEE PERIOD: The period for which a Guaranteed Interest Rate is credited.

GUARANTEED INTEREST RATE: The rate of interest we credit on a compound annual basis during any Guarantee Period.

INCOME PHASE: The period on and after the Annuity Commencement Date and during the lifetime of the Annuitant during which we make annuity payments under the Contract.

INDIVIDUAL CONTRACT: A Contract issued by the Company on an individual basis.

NET INVESTMENT FACTOR: An index applied to measure the investment performance of a Sub-Account from one Valuation Period to the next. The Net Investment Factor may be greater or less than or equal to one.

NET PURCHASE PAYMENT (NET PAYMENTS): The portion of a Purchase Payment which remains after the deduction of any applicable premium tax or similar tax.

NON-QUALIFIED CONTRACT: A Contract used in connection with a retirement plan that does not receive favorable federal income tax treatment under Sections 401, 403, 408, or 408A of the Internal Revenue Code. The Participant's interest in the Contract must be owned by a natural person or agent for a natural person for the Contract to receive income tax treatment as an annuity.

*OWNER: The person, persons or entity entitled to the ownership rights stated in a Group Contract and in whose name or names the Group Contract is issued. The Owner may designate a trustee or custodian of a retirement plan which meets the requirements of Section 401, Section 408(c), Section 408(k), Section 408(p) or Section 408A of the Internal Revenue Code to serve as legal owner of assets of a retirement plan, but the term "Owner," as used herein, shall refer to the organization entering into the Group Contract.

*PARTICIPANT: In the case of an Individual Contract, the owner of the Contract. In the case of a Group Contract, the person named in the Contract who is entitled to exercise all rights and privileges of ownership under the Contract, except as reserved by the Owner. If there are two Participants, the death benefit is paid upon the death of either Participant.

PAYEE: A recipient of payments under a Contract. The term includes an Annuitant or a Beneficiary who becomes entitled to benefits upon the death of the Participant, or on the Annuity Commencement Date.

PURCHASE PAYMENT (PAYMENT): An amount paid to the Company as consideration for the benefits provided by a Contract.

QUALIFIED CONTRACT: A Contract used in connection with a retirement plan which may receive favorable federal income tax treatment under Sections 401, 403, 408 or 408A of the Internal Revenue Code of 1986, as amended.

RENEWAL DATE: The last day of a Guarantee Period.

SERIES FUND: MFS®/Sun Life Series Trust.

SUB-ACCOUNT: That portion of the Variable Account which invests in shares of a specific Fund.

VALUATION PERIOD: The period of time from one determination of Variable Accumulation Unit or Annuity Unit values to the next subsequent determination of these values. Value determinations are made as of the close of the New York Stock Exchange on each day that the Exchange is open for trading.

VARIABLE ACCOUNT: Variable Account F of the Company, which is a separate account of the Company consisting of assets set aside by the Company, the investment performance of which is kept separate from that of the general assets of the Company.

VARIABLE ACCUMULATION UNIT: A unit of measure used in the calculation of Variable Account Value.

VARIABLE ACCOUNT VALUE: The value of that portion of your Account allocated to the Variable Account.

VARIABLE ANNUITY: An annuity with payments which vary as to dollar amount in relation to the investment performance of the Variable Account.

*You specify these items on the Application, and may change them, as we describe in this Prospectus.


 
 

 

APPENDIX B -
WITHDRAWALS, WITHDRAWAL CHARGES AND THE MARKET VALUE ADJUSTMENT

Part 1: Variable Account (the Market Value Adjustment does not apply to the Variable Account)

Withdrawal Charge Calculation:

Full Withdrawal

Assume a Purchase Payment of $40,000 is made on the Contract Date, no additional Purchase Payments are made and there are no partial withdrawals. The table below presents three examples of the withdrawal charge resulting from a full withdrawal of your Account, based on hypothetical Account Values.

         
Payment
   
 
Hypothetical
 
Cumulative
Free
Subject to
Withdrawal
Withdrawal
Account
Account
Annual
Annual
Withdrawal
Withdrawal
Charge
Charge
Year
Value
Earnings
Earnings
Amount
Charge
Percentage
Amount
(a) 1
 
$41,000
$1,000
$ 1,000
$ 6,000
$35,000
7.00%
$2,450
2
 
$45,100
$4,100
$ 5,100
$ 6,000
$39,100
7.00%
$2,737
3
 
$49,600
$4,500
$ 9,600
$ 9,600
$40,000
6.00%
$2,400
(b) 4
 
$52,100
$2,500
$12,100
$12,100
$40,000
6.00%
$2,400
5
 
$57,300
$5,200
$17,300
$17,300
$40,000
5.00%
$2,000
6
 
$63,000
$5,700
$23,000
$23,000
$40,000
4.00%
$1,600
7
 
$66,200
$3,200
$26,200
$26,200
$40,000
3.00%
$1,200
(c) 8
 
$72,800
$6,600
$32,800
$32,800
$        0
0.00%
$      0

(a)
The free withdrawal amount in any year is equal to the greater of (1) the Contract's earnings that were not previously withdrawn, and (2) 15% of any Purchase Payments made in the last 7 Account Years ("New Payments"). In Account Year 1, the free withdrawal amount is $6,000, which equals 15% of the Purchase Payment of $40,000. On a full withdrawal of $41,000, the amount subject to a withdrawal charge is $35,000, which equals the Account Value of $41,000 minus the free withdrawal amount of $6,000.
   
(b)
In Account Year 4, the free withdrawal amount is $12,100, which equals the prior Contract's cumulative earnings to date. On a full withdrawal of $52,100, the amount subject to a withdrawal charge is $40,000.
   
(c)
In Account Year 8, the free withdrawal amount is $32,800, which equals the Contract's cumulative earnings to date. On a full withdrawal of $72,800, the amount subject to a withdrawal charge is $0, since the New Payments equal $0.

Partial Withdrawal Calculation

Assume a single Purchase Payment of $40,000 is made on the Contract Date, no additional Purchase Payments are made, no partial withdrawals have been taken prior to the fourth Account Year, and there are a series of 4 partial withdrawals made during the fourth Account Year of $4,000, $9,000, $12,000, and $20,000.

         
Remaining
       
 
Hypothetical
     
Free
Amount of
   
Hypothetical
 
Account
     
Withdrawal
Withdrawal
   
Account
 
Value
     
Amount
Subject to
Withdrawal
Withdrawal
Value
 
Before
 
Cumulative
Amount of
After
Withdrawal
Charge
Charge
After
Year
Withdrawal
Earnings
Earnings
Withdrawal
Withdrawal
Charge
Percentage
Amount
Withdrawal
1
$41,000
$1,000
$ 1,000
$         0
$6,000
$         0
7.00%
$        0
$41,000
2
$45,100
$4,100
$ 5,100
$         0
$6,000
$         0
7.00%
$        0
$45,100
3
$49,600
$4,500
$ 9,600
$         0
$9,600
$         0
6.00%
$        0
$49,600
(a) 4
$50,100
$   500
$10,100
$ 4,000
$6,100
$         0
6.00%
$        0
$46,100
(b) 4
$46,900
$   800
$10,900
$ 9,000
$        0
$ 2,100
6.00%
$   126
$37,900
(c) 4
$38,500
$   600
$11,500
$12,000
$        0
$11,400
6.00%
$   684
$26,500
(d) 4
$26,900
$   400
$11,900
$20,000
$        0
$19,600
6.00%
$1,176
$  6,900


 
 

 


(a)
In Account Year 4, the free withdrawal amount is $10,100, which equals the Contract's cumulative earnings to date. The partial withdrawal amount of $4,000 is less than the free withdrawal amount, so there is no withdrawal charge.
   
(b)
Since a partial withdrawal of $4,000 was taken, the remaining free withdrawal amount in Account Year 4 is $10,900 - $4,000 = $6,900. Therefore, $6,900 of the $9,000 withdrawal is not subject to a withdrawal charge, and $2,100 is subject to a withdrawal charge. Of the $13,000 withdrawn to date, $10,900 has been from the free withdrawal amount and $2,100 has been from deposits.
   
(c)
Since $10,900 of the 2 prior Account Year 4 partial withdrawals was taken from the free withdrawal amount, the remaining free withdrawal amount in Account year 4 is $11,500 - $10,900 = $600. Therefore, $600 of the $12,000 withdrawal is not subject to a withdrawal charge, and $11,400 is subject to a withdrawal charge. Of the $25,000 withdrawn to date, $11,500 has been from the free withdrawal amount and $13,500 has been from deposits.
   
(d)
Since $11,500 of the 3 prior Account Year 4 partial withdrawals was taken from the free withdrawal amount, the remaining free withdrawal amount in Account Year 4 is $11,900 - $11,500 = $400. Therefore, $400 of the $20,000 withdrawal is not subject to a withdrawal charge, and $19,600 is subject to a withdrawal charge. Of the $45,000 withdrawn to date, $11,900 has been from the free withdrawal amount and $33,100 has been from deposits.

Note that if the $6,900 hypothetical Account Value after withdrawal was withdrawn, it would all be from deposits and subject to a withdrawal charge. The withdrawal charge would be 6% of $6,900, which equals $414. The total Account Year 4 withdrawal charges would then be $2,400, which is the same amount that was assessed for a full liquidation in Account Year 4 in the example on the previous page.

Part 2 - Fixed Account - Examples of the Market Value Adjustment ("MVA")

The MVA Factor is:
[(1 + I) ÷ (1 + J + b)](N/12)  -  1

These examples assume the following:

l
The Guarantee Amount was allocated to a 5-year Guarantee Period with a Guaranteed Interest Rate of 6% or .06.
   
l
The date of surrender is 2 years from the Expiration Date (N = 24).
   
l
The value of the Guarantee Amount on the date of surrender is $11,910.16.
   
l
The interest earned in the current Account Year is $674.16.
   
l
No transfers or partial withdrawals affecting this Guarantee Amount have been made.
   
l
Withdrawal charges, if any, are calculated in the same manner as shown in the examples in Part 1.

Example of a Negative MVA:

Assume that on the date of surrender, the current rate (J) is 8% or .08 and the b factor is zero.

The MVA factor =
[(1 + I) ÷ (1 + J + b)](N/12) - 1
=
[(1 + .06) ÷ (1 + .08)](24/12) - 1
=
(.9812) - 1
=
.963 -1
=
-.037

The value of the Guarantee Amount less interest credited to the Guarantee Amount in the current Account Year is multiplied by the MVA factor to determine the MVA:

($11,910.16 - $674.16) x (-.037) = -$415.73

-$415.73 represents the MVA that will be deducted from the value of the Guarantee Amount before the deduction of any withdrawal charge.

For a partial withdrawal of $2,000 from this Guarantee Amount, the MVA would be ($2,000.00 - $674.16) x (-.037) = -$49.06. -$49.06 represents the MVA that will be deducted from the partial withdrawal amount before the deduction of any withdrawal charge.

Example of a Positive MVA:

Assume that on the date of surrender, the current rate (J) is 5% or .05 and the b factor is zero.

The MVA factor =
[(1 + I) ÷ (1 + J + b)](N/12) - 1
=
[(1 + .06) ÷ (1 + .05)](24/12) - 1
=
(1.0102) - 1
=
1.019 - 1
=
.019

The value of the Guarantee Amount less interested credit to the Guarantee Amount in the current Account Year is multiplied by the MVA factor to determine the MVA:

($11,910.16 - $674.16) x .019 = $213.48

$213.48 represents the MVA that would be added to the value of the Guarantee Amount before the deduction of any withdrawal charge.

For a partial withdrawal of $2,000 from this Guarantee Amount, the MVA would be ($2,000.00 - $674.16) x .019 = $25.19.

$25.19 represents the MVA that would be added to the value of the partial withdrawal amount before the deduction of any withdrawal charge.


 
 

 

APPENDIX C -
CALCULATION OF BASIC DEATH BENEFIT

Example 1:

Assume a Purchase Payment of $60,000.00 is made on the Contract Date and an additional Purchase Payment of $40,000.00 is made one year later. Assume that all of the money is invested in the Sub-Accounts, that no Withdrawals are made and that the Account Value on the Death Benefit Date is $80,000.00. The calculation of the Death Benefit to be paid is as follows:

The Basic Death Benefit is the greatest of:
 
     Account Value
=     $ 80,000.00
     Cash Surrender Value*
=     $ 76,100.00
     Purchase Payments
=     $100,000.00
The Basic Death Benefit would therefore be:
       $100,000.00

Example 2:

Assume a Purchase Payment of $60,000.00 is made on the Contract Date and an additional Purchase Payment of $40,000.00 is made one year later. Assume that all of the money is invested in the Sub-Accounts and that the Account Value is $80,000.00 just prior to a $20,000.00 withdrawal. The Account Value on the Death Benefit Date is $60,000.00.

The Basic Death Benefit is the greatest of:
 
     Account Value
=     $ 60,000.00
     Cash Surrender Value*
=     $ 56,36500
     Adjusted Purchase Payments**
=     $ 75,000.00
The Basic Death Benefit would therefore be:
=     $ 75,000.00

*Cash Surrender Value is the amount we would pay you if you surrendered your entire Account Value. For a description of how Cash Surrender Value is calculated, see "Full Withdrawals" under the subheading "Cash Withdrawals."

**Adjusted Purchase Payments can be calculated as follows: Payments x (Account Value after withdrawal ÷Account Value before withdrawal) = $100,000.00 x ($60,000.00 ÷ $80,000.00).


 
 

 

APPENDIX D -
CALCULATION OF EEB OPTIONAL DEATH BENEFIT

Example 1:

Assume a Purchase Payment of $60,000 is made on the Contract Date, and an additional Purchase Payment of $40,000 is made one year later. Assume that all of the money is invested into the Sub-Accounts, no withdrawals are made and the Account Value on the Death Benefit Date is $135,000. In addition, this Contract was issued prior to the owner's 70th birthday. Assume death occurs in Account Year 7. The calculation of the Death Benefit to be paid is as follows:

The Death Benefit Amount will be the greatest of:
 
     Account Value
=     $135,000
     Cash Surrender Value*
=     $132,000
     Total of Adjusted Purchase Payments
=     $100,000
The Death Benefit Amount would therefore
=     $135,000
- plus -
The EEB amount, calculated as follows:
 
     Account Value minus Adjusted Purchase Payments
=     $ 35,000
     40% of the above amount
=     $ 14,000
     Cap of 40% of Adjusted Purchase Payments
=     $ 40,000
The lesser of the above two amounts = the EEB amount
=     $ 14,000

The total Death Benefit would be the amount paid on the Basic Death Benefit plus the EEB amount = $135,000 + $14,000 = $149,000.

Example 2:

Assume a Purchase Payment of $60,000 is made on the Contract Date, and an additional Purchase Payment of $40,000 is made one year later. Assume that all of the money is invested into the Sub-Accounts and that the Account Value is $135,000 just prior to a $20,000 withdrawal. The Account Value on the Death Benefit Date is $115,000. Assume death occurs in Account Year 7. In addition, this Contract was issued prior to the owner's 70th birthday.

The Death Benefit Amount will be the greatest of:
 
     Account Value
=     $ 115,000
     Cash Surrender Value*
=     $ 112,000
     Total of Adjusted Purchase Payments**
=     $ 85,185
The Death Benefit Amount would therefore be
       $ 115,000
- plus -
The EEB amount, calculated as follows:
 
     Account Value minus Adjusted Purchase Payments
=     $ 29,815
     40% of the above amount
=     $ 11,926
     Cap of 40% of Adjusted Purchase Payments
=     $ 34,074
The lesser of the above two amount = the EEB amount
=     $ 11,926

The total Death Benefit would be the amount paid on the Basic Death Benefit plus the EEB amount = $115,000 + $11,926 = $126,926.

*Cash Surrender Value is the amount we would pay you if you surrendered your entire Account Value. For a description of how Cash Surrender Value is calculated, see "Full Withdrawals" under the subheading "Cash Withdrawals."

**Adjusted Purchase Payments can be calculated as follows: Payments x (Account Value after withdrawal ÷ Account Value before withdrawal) = $100,000 x ($115,000 ÷ $135,000) = $85,185.


 
 

 

APPENDIX E -
CALCULATION OF EEB AND MAV AND 5% ROLL-UP DEATH BENEFIT

Assume a Purchase Payment of $60,000 is made on the Contract Date, and an additional Purchase Payment of $40,000 is made one year later. Assume that all of the money is invested in Variable Accounts. No withdrawals are made. The Account Value at the Death Benefit Date is $135,000, the value of the Purchase Payments accumulated at 5% until the Death Benefit Date is $140,000, and the Maximum Anniversary Value is $142,000. Assume death occurs in Account Year 7. The calculation of the death benefit to be paid is as follows:

The Death Benefit Amount will be the greatest of:
 
     Account Value
=     $135,000
     Cash Surrender Value*
=     $132,000
     Total of Adjusted Purchase Payments
=     $100,000
     5% Premium Roll-up Value
=     $140,000
     Maximum Anniversary Value
=     $142,000
The Death Benefit Amount would therefore
=     $142,000

- plus -

The EEB amount, calculated as follows:
 
     Account Value minus Adjusted Purchase Payments
=     $ 35,000
     40% of the above amount
=     $ 14,000
     Cap of 40% of Adjusted Purchase Payments
=     $ 40,000
The lesser of the above two amounts = the EEB amount
=     $ 14,000

The total Death Benefit would be the amount paid on the Maximum Anniversary Rider plus the EEB amount = $142,000 + $14,000 = $156,000.

*Cash Surrender Value is the amount we would pay you if you surrendered your entire Account Value. For a description of how Cash Surrender Value is calculated, see "Full Withdrawals" under the subheading "Cash Withdrawals."



 
 

 

APPENDIX F -
CALCULATION OF EEB PLUS OPTIONAL DEATH BENEFIT

Assume a Purchase Payment of $60,000 is made on the Contract Date, and an additional Purchase Payment of $40,000 is made one year later. Assume that all of the money is invested into the Sub-Accounts, no withdrawals are made and the Account Value on the Death Benefit Date is $135,000. In addition, this Contract was issued prior to the owner's 70th birthday. Assume death occurs in Account Year 7. The calculation of the Death Benefit to be paid is as follows:

The Death Benefit Amount will be the greatest of:
 
     Account Value
=  $135,000
     Cash Surrender Value*
=  $132,000
     Total of Adjusted Purchase Payments
=  $100,000
The Death Benefit Amount would therefore
=  $135,000

- plus -

The EEB Plus amount, calculated as follows:
 
     Account Value minus Adjusted Purchase Payments
=  $ 35,000
     40% of the above amount
=  $ 14,000
     Cap of 100% of Adjusted Purchase Payments
=  $100,000
The lesser of the above two amounts = the EEB Plus amount
=  $ 14,000

The total Death Benefit would be the amount paid on the Basic Death Benefit plus the EEB Plus amount = $135,000 + $14,000 = $149,000.

*Cash Surrender Value is the amount we would pay you if you surrendered your entire Account Value. For a description of how Cash Surrender Value is calculated, see "Full Withdrawals" under the subheading "Cash Withdrawals."



 
 

 

APPENDIX G -
CALCULATION OF EEB PLUS WITH MAV OPTIONAL DEATH BENEFIT

Assume a Purchase Payment of $60,000 is made on the Contract Date, and an additional Purchase Payment of $40,000 is made one year later. Assume that all of the money is invested into the Sub-Accounts, no withdrawals are made and the Account Value on the Death Benefit Date is $135,000. The Maximum Anniversary Value on the Death Benefit Date is $140,000. In addition, this Contract was issued prior to the owner's 70th birthday. Assume death occurs in Account Year 7. The calculation of the Death Benefit to be paid is as follows:

The Death Benefit Amount will be the greatest of:
 
     Account Value
=  $135,000
     Cash Surrender Value*
=  $132,000
     Total of Adjusted Purchase Payments
=  $100,000
     Maximum Anniversary Value
=  $140,000
The Death Benefit Amount would therefore
=  $140,000

- plus -

The EEB Plus amount, calculated as follows:
 
     Death Benefit Amount before EEB minus Adjusted Purchase Payments
=  $ 40,000
     40% of the above amount
=  $ 16,000
     Cap of 100% of Adjusted Purchase Payments
=  $100,000
The lesser of the above two amounts = the EEB Plus MAV
 
amount
=  $ 16,000

The total Death Benefit would be the amount paid on the Maximum Anniversary Rider plus the EEB Plus MAV amount = $140,000 + $16,000 = $156,000.

*Cash Surrender Value is the amount we would pay you if you surrendered your entire Account Value. For a description of how Cash Surrender Value is calculated, see "Full Withdrawals" under the subheading "Cash Withdrawals."


 
 

 

APPENDIX H -
CALCULATION OF EEB PLUS WITH 5% ROLL-UP OPTIONAL DEATH BENEFIT

Assume a Purchase Payment of $60,000 is made on the Contract Date, and an additional Purchase Payment of $40,000 is made one year later. Assume that all of the money is invested into the Sub-Accounts, no withdrawals are made and the Account Value on the Death Benefit Date is $135,000. The value of the Purchase Payments accumulated at 5% until the Death Benefit Date is $140,000. In addition, this Contract was issued prior to the owner's 70th birthday. Assume death occurs in Account Year 7. The calculation of the Death Benefit to be paid is as follows:

The Death Benefit Amount will be the greatest of:
 
     Account Value
=  $135,000
     Cash Surrender Value*
=  $132,000
     Total of Adjusted Purchase Payments
=  $100,000
     5% Premium Roll-up Value
=  $140,000
The Death Benefit Amount would therefore
=  $140,000

- plus -

The EEB Plus amount, calculated as follows:
 
     Death Benefit Amount before EEB minus Adjusted Purchase Payments
=  $ 40,000
     40% of the above amount
=  $ 16,000
     Cap of 100% of Adjusted Purchase Payments
=  $100,000
The lesser of the above two amounts = the EEB Plus 5% Roll-up amount
=  $ 16,000

The total Death Benefit would be the amount paid on the 5% Roll-Up Rider plus the EEB Plus 5% Roll-Up amount = $140,000 + $16,000 = $156,000.

*Cash Surrender Value is the amount we would pay you if you surrendered your entire Account Value. For a description of how Cash Surrender Value is calculated, see "Full Withdrawals" under the subheading "Cash Withdrawals."


 
 

 

APPENDIX I -
PREVSIOUSLY AVAILABLE INVESTMENT OPTIONS

The variable Fund options shown in this prospectus are the "Service Class" shares of the MFS®/Sun Life Series Trust. The Service Class was first offered for sale on August 27, 2001. All Contracts purchased on or after that date are invested in the Service Class.

Each Fund also has an "Initial Class" of shares. All Contracts purchased before August 27, 2001, are invested in the "Initial Class." The following Initial Class Funds are available to Owners of such Contracts:

Large-Cap Equity Funds
Emerging Markets Equity Funds
  MFS®/ Sun Life Capital Appreciation Series
  MFS®/ Sun Life Emerging Markets Equity Series
  MFS®/ Sun Life Capital Opportunities Series
Mid-Cap Equity Funds
  MFS®/ Sun Life Core Equity Series
  MFS®/ Sun Life Mid Cap Growth Series
  MFS®/ Sun Life Emerging Growth Series
Small-Cap Equity Funds
  MFS®/ Sun Life Massachusetts Investors Growth
  MFS®/ Sun Life New Discovery Series
     Stock Series
Specialty/Sector Funds
  MFS®/ Sun Life Massachusetts Investors Trust Series
  MFS®/ Sun Life Technology Series
  MFS®/ Sun Life Research Series
  MFS®/ Sun Life Utilities Series
  MFS®/ Sun Life Strategic Growth Series
Intermediate-Term Bond Funds
  MFS®/ Sun Life Value Series
  MFS®/ Sun Life Bond Series
Asset Allocation Funds
  MFS®/ Sun Life Government Securities Series
  MFS®/ Sun Life Total Return Series
World Bond Funds
Global Asset Allocation Funds
  MFS®/ Sun Life Global Governments Series
  MFS®/ Sun Life Global Total Return Series
High Yield Bond Funds
International/Global Equity Funds
  MFS®/ Sun Life High Yield Series
  MFS®/ Sun Life Global Growth Series
Multi-Sector Bond Funds
  MFS®/ Sun Life Research International Series
  MFS®/ Sun Life Strategic Income Series
  MFS®/ Sun Life International Growth Series
Money Market Funds
  MFS®/ Sun Life International Value Series
  MFS®/ Sun Life Money Market Series

The shares of the Initial Class have the same investment objectives, policies, and strategies as the shares of the Service Class. The only differences between the two classes are their expense rations. The "Total Annual Fund Operating Expenses" under the heading "FEES AND EXPENSES" and accompanying "EXAMPLE" associated with Initial Class expenses are shown below:

 
Total Annual Fund Operating Expenses
 
Minimum
Maximum
 
(expenses as a percentage of average daily Fund net assets that are deducted from Fund assets, including management fees, distribution and/or service (12b-1) fees, and other expenses)
     
 
   Prior to any fee waiver or expense reimbursement*
 
0.59%
1.53%

*
The expenses shown are for the year ended December 31, 2006, and do not reflect any fee waiver or expense reimbursement. The advisers and/or other service providers of certain Funds have agreed to reduce their fees and/or reimburse the Funds' expenses in order to keep the Funds' expenses below specified limits. The minimum and maximum Total Annual Fund Operating Expenses for all Funds after all fee reductions and expense reimbursement arrangements are taken into consideration fall within the range shown. Each fee reduction and/or expense reimbursement arrangement is described in the relevant Fund's prospectus.


 
 

 


EXAMPLE

*  *  *  *  *

(1)
If you surrender your Contract at the end of the applicable time period:

 
1 year
3 years
5 years
10 years
         
 
$929
$1,524
$2,136
$3,508

(2)
If you annuitize your Contract or if you do not surrender your Contract at the end of the applicable time period:

 
1 year
3 years
5 years
10 years
         
 
$321
$980
$1,664
$3,508



 
 

 

APPENDIX J -
CONDENSED FINANCIAL INFORMATION

The following information for REGATTA CHOICE should be read in conjunction with the Variable Account's Financial Statements appearing in the Statement of Additional Information. The $10 beginning value for each accumulation unit is as of the date the unit commenced, which was generally later than the first day of the year shown. Subsequent values are shown for each period, unless there was no balance or transaction for the last day of the period, in which case no value is shown for the end of that period or the beginning of the next period.

 
 
 
Fund
 
 
Price
Level
 
 
 
Year
Accumulation Unit Value Beginning of Year
 
Accumulation Unit Value End of Year
Number of Accumulation Units End of Year

MFS®/Sun Life Bond Series
01
2006
14.0475
14.6302
0
MFS®/Sun Life Bond Series
01
2005
13.9445
14.0475
0
MFS®/Sun Life Bond Series
01
2004
13.2571
13.9445
0
MFS®/Sun Life Bond Series
01
2003
12.2046
13.2571
0
MFS®/Sun Life Bond Series
01
2002
11.2489
12.2046
28,714
MFS®/Sun Life Bond Series
01
2001
10.5416
11.2489
53,054
MFS®/Sun Life Bond Series
01
2000
10.0000
10.5416
77,459
           
MFS®/Sun Life Bond Series
02
2006
13.9319
14.4878
351,162
MFS®/Sun Life Bond Series
02
2005
13.8507
13.9319
410,931
MFS®/Sun Life Bond Series
02
2004
13.1879
13.8507
484,328
MFS®/Sun Life Bond Series
02
2003
12.1594
13.1879
652,105
MFS®/Sun Life Bond Series
02
2002
11.2243
12.1594
675,414
MFS®/Sun Life Bond Series
02
2001
10.5346
11.2243
518,393
MFS®/Sun Life Bond Series
02
2000
10.0000
10.5346
62,271
           
MFS®/Sun Life Bond Series
03
2006
13.8555
14.3938
58,920
MFS®/Sun Life Bond Series
03
2005
13.7886
13.8555
73,556
MFS®/Sun Life Bond Series
03
2004
13.1421
13.7886
86,855
MFS®/Sun Life Bond Series
03
2003
12.1294
13.1421
92,957
MFS®/Sun Life Bond Series
03
2002
11.2079
12.1294
125,086
MFS®/Sun Life Bond Series
03
2001
10.5299
11.2079
115,086
MFS®/Sun Life Bond Series
03
2000
10.0000
10.5299
29,888
           
MFS®/Sun Life Bond Series
04
2006
13.8172
14.3469
429,780
MFS®/Sun Life Bond Series
04
2005
13.7575
13.8172
490,548
MFS®/Sun Life Bond Series
04
2004
13.1192
13.7575
517,562
MFS®/Sun Life Bond Series
04
2003
12.1144
13.1192
608,044
MFS®/Sun Life Bond Series
04
2002
11.1997
12.1144
584,110
MFS®/Sun Life Bond Series
04
2001
10.5276
11.1997
568,948
MFS®/Sun Life Bond Series
04
2000
10.0000
10.5276
41,361
           
MFS®/Sun Life Bond Series
05
2006
13.7411
14.2534
660,444
MFS®/Sun Life Bond Series
05
2005
13.6956
13.7411
700,703
MFS®/Sun Life Bond Series
05
2004
13.0734
13.6956
794,564
MFS®/Sun Life Bond Series
05
2003
12.0844
13.0734
908,050
MFS®/Sun Life Bond Series
05
2002
11.1833
12.0844
1,083,642
MFS®/Sun Life Bond Series
05
2001
10.5229
11.1833
977,135
MFS®/Sun Life Bond Series
05
2000
10.0000
10.5229
128,272
           
MFS®/Sun Life Bond Series
06
2006
13.6278
14.1144
318,166
MFS®/Sun Life Bond Series
06
2005
13.6033
13.6278
332,083
MFS®/Sun Life Bond Series
06
2004
13.0051
13.6033
365,273
MFS®/Sun Life Bond Series
06
2003
12.0396
13.0051
400,140
MFS®/Sun Life Bond Series
06
2002
11.1588
12.0396
411,299
MFS®/Sun Life Bond Series
06
2001
10.5159
11.1588
319,639
MFS®/Sun Life Bond Series
06
2000
10.0000
10.5159
49,564
           
MFS®/Sun Life Bond Series S Class
01
2006
12.4661
12.9429
36,765
MFS®/Sun Life Bond Series S Class
01
2005
12.3942
12.4661
20,720
MFS®/Sun Life Bond Series S Class
01
2004
11.8211
12.3942
22,177
MFS®/Sun Life Bond Series S Class
01
2003
10.9114
11.8211
25,477
MFS®/Sun Life Bond Series S Class
01
2002
10.0862
10.9114
28,207
MFS®/Sun Life Bond Series S Class
01
2001
10.0000
10.0862
0
           
MFS®/Sun Life Bond Series S Class
02
2006
12.3841
12.8384
262,245
MFS®/Sun Life Bond Series S Class
02
2005
12.3314
12.3841
273,657
MFS®/Sun Life Bond Series S Class
02
2004
11.7791
12.3314
310,628
MFS®/Sun Life Bond Series S Class
02
2003
10.8892
11.7791
364,889
MFS®/Sun Life Bond Series S Class
02
2002
10.0810
10.8892
388,976
MFS®/Sun Life Bond Series S Class
02
2001
10.0000
10.0810
73,400
           
MFS®/Sun Life Bond Series S Class
03
2006
12.3298
12.7692
0
MFS®/Sun Life Bond Series S Class
03
2005
12.2897
12.3298
0
MFS®/Sun Life Bond Series S Class
03
2004
11.7512
12.2897
0
MFS®/Sun Life Bond Series S Class
03
2003
10.8744
11.7512
0
MFS®/Sun Life Bond Series S Class
03
2002
10.0774
10.8744
0
MFS®/Sun Life Bond Series S Class
03
2001
10.0000
10.0774
0
           
MFS®/Sun Life Bond Series S Class
04
2006
12.3027
12.7346
178,359
MFS®/Sun Life Bond Series S Class
04
2005
12.2689
12.3027
191,178
MFS®/Sun Life Bond Series S Class
04
2004
11.7372
12.2689
198,619
MFS®/Sun Life Bond Series S Class
04
2003
10.8670
11.7372
282,988
MFS®/Sun Life Bond Series S Class
04
2002
10.0757
10.8670
268,843
MFS®/Sun Life Bond Series S Class
04
2001
10.0000
10.0757
106,644
           
MFS®/Sun Life Bond Series S Class
05
2006
12.2486
12.6658
186,029
MFS®/Sun Life Bond Series S Class
05
2005
12.2273
12.2486
214,282
MFS®/Sun Life Bond Series S Class
05
2004
11.7093
12.2273
243,159
MFS®/Sun Life Bond Series S Class
05
2003
10.8522
11.7093
274,796
MFS®/Sun Life Bond Series S Class
05
2002
10.0721
10.8522
251,676
MFS®/Sun Life Bond Series S Class
05
2001
10.0000
10.0721
87,054
           
MFS®/Sun Life Bond Series S Class
06
2006
12.1678
12.5632
302,540
MFS®/Sun Life Bond Series S Class
06
2005
12.1651
12.1678
347,473
MFS®/Sun Life Bond Series S Class
06
2004
11.6676
12.1651
405,366
MFS®/Sun Life Bond Series S Class
06
2003
10.8300
11.6676
497,051
MFS®/Sun Life Bond Series S Class
06
2002
10.0669
10.8300
476,403
MFS®/Sun Life Bond Series S Class
06
2001
10.0000
10.0669
92,587
           
MFS®/Sun Life Capital Appreciation Series
01
2006
5.6022
5.8997
86,461
MFS®/Sun Life Capital Appreciation Series
01
2005
5.6072
5.6022
119,902
MFS®/Sun Life Capital Appreciation Series
01
2004
5.1017
5.6072
119,307
MFS®/Sun Life Capital Appreciation Series
01
2003
4.0037
5.1017
96,564
MFS®/Sun Life Capital Appreciation Series
01
2002
5.9813
4.0037
105,939
MFS®/Sun Life Capital Appreciation Series
01
2001
8.0902
5.9813
136,566
MFS®/Sun Life Capital Appreciation Series
01
2000
10.0000
8.0902
9,289
           
MFS®/Sun Life Capital Appreciation Series
02
2006
5.5560
5.8422
1,284,956
MFS®/Sun Life Capital Appreciation Series
02
2005
5.5694
5.5560
1,478,315
MFS®/Sun Life Capital Appreciation Series
02
2004
5.0750
5.5694
1,408,425
MFS®/Sun Life Capital Appreciation Series
02
2003
3.9888
5.0750
1,508,504
MFS®/Sun Life Capital Appreciation Series
02
2002
5.9682
3.9888
1,738,595
MFS®/Sun Life Capital Appreciation Series
02
2001
8.0848
5.9682
1,733,021
MFS®/Sun Life Capital Appreciation Series
02
2000
10.0000
8.0848
358,590
           
MFS®/Sun Life Capital Appreciation Series
03
2006
5.5255
5.8042
152,424
MFS®/Sun Life Capital Appreciation Series
03
2005
5.5444
5.5255
148,050
MFS®/Sun Life Capital Appreciation Series
03
2004
5.0573
5.5444
137,055
MFS®/Sun Life Capital Appreciation Series
03
2003
3.9789
5.0573
135,385
MFS®/Sun Life Capital Appreciation Series
03
2002
5.9595
3.9789
162,378
MFS®/Sun Life Capital Appreciation Series
03
2001
8.0812
5.9595
157,726
MFS®/Sun Life Capital Appreciation Series
03
2000
10.0000
8.0812
144,013
           
MFS®/Sun Life Capital Appreciation Series
04
2006
5.5102
5.7853
1,290,208
MFS®/Sun Life Capital Appreciation Series
04
2005
5.5319
5.5102
1,476,205
MFS®/Sun Life Capital Appreciation Series
04
2004
5.0485
5.5319
1,594,499
MFS®/Sun Life Capital Appreciation Series
04
2003
3.9740
5.0485
1,767,146
MFS®/Sun Life Capital Appreciation Series
04
2002
5.9551
3.9740
1,664,300
MFS®/Sun Life Capital Appreciation Series
04
2001
8.0794
5.9551
2,062,595
MFS®/Sun Life Capital Appreciation Series
04
2000
10.0000
8.0794
621,987
           
MFS®/Sun Life Capital Appreciation Series
05
2006
5.4798
5.7475
2,861,128
MFS®/Sun Life Capital Appreciation Series
05
2005
5.5069
5.4798
3,239,869
MFS®/Sun Life Capital Appreciation Series
05
2004
5.0309
5.5069
3,177,883
MFS®/Sun Life Capital Appreciation Series
05
2003
3.9641
5.0309
3,475,330
MFS®/Sun Life Capital Appreciation Series
05
2002
5.9463
3.9641
3,632,174
MFS®/Sun Life Capital Appreciation Series
05
2001
8.0758
5.9463
3,780,048
MFS®/Sun Life Capital Appreciation Series
05
2000
10.0000
8.0758
1,152,866
           
MFS®/Sun Life Capital Appreciation Series
06
2006
5.4346
5.6914
1,324,448
MFS®/Sun Life Capital Appreciation Series
06
2005
5.4698
5.4346
1,445,351
MFS®/Sun Life Capital Appreciation Series
06
2004
5.0045
5.4698
1,482,362
MFS®/Sun Life Capital Appreciation Series
06
2003
3.9494
5.0045
1,554,819
MFS®/Sun Life Capital Appreciation Series
06
2002
5.9333
3.9494
1,684,186
MFS®/Sun Life Capital Appreciation Series
06
2001
8.0704
5.9333
1,606,016
MFS®/Sun Life Capital Appreciation Series
06
2000
10.0000
8.0704
410,764
           
MFS®/Sun Life Capital Appreciation Series S Class
01
2006
9.0196
9.4703
30,418
MFS®/Sun Life Capital Appreciation Series S Class
01
2005
9.0530
9.0196
30,963
MFS®/Sun Life Capital Appreciation Series S Class
01
2004
8.2546
9.0530
22,141
MFS®/Sun Life Capital Appreciation Series S Class
01
2003
6.4963
8.2546
2,941
MFS®/Sun Life Capital Appreciation Series S Class
01
2002
9.7300
6.4963
2,975
MFS®/Sun Life Capital Appreciation Series S Class
01
2001
10.0000
9.7300
0
           
MFS®/Sun Life Capital Appreciation Series S Class
02
2006
8.9603
9.3937
327,105
MFS®/Sun Life Capital Appreciation Series S Class
02
2005
9.0071
8.9603
362,319
MFS®/Sun Life Capital Appreciation Series S Class
02
2004
8.2252
9.0071
412,736
MFS®/Sun Life Capital Appreciation Series S Class
02
2003
6.4830
8.2252
455,594
MFS®/Sun Life Capital Appreciation Series S Class
02
2002
9.7249
6.4830
418,181
MFS®/Sun Life Capital Appreciation Series S Class
02
2001
10.0000
9.7249
102,568
           
MFS®/Sun Life Capital Appreciation Series S Class
03
2006
8.9210
9.3431
0
MFS®/Sun Life Capital Appreciation Series S Class
03
2005
8.9767
8.9210
0
MFS®/Sun Life Capital Appreciation Series S Class
03
2004
8.2058
8.9767
0
MFS®/Sun Life Capital Appreciation Series S Class
03
2003
6.4742
8.2058
0
MFS®/Sun Life Capital Appreciation Series S Class
03
2002
9.7215
6.4742
0
MFS®/Sun Life Capital Appreciation Series S Class
03
2001
10.0000
9.7215
0
           
MFS®/Sun Life Capital Appreciation Series S Class
04
2006
8.9013
9.3178
221,830
MFS®/Sun Life Capital Appreciation Series S Class
04
2005
8.9614
8.9013
255,608
MFS®/Sun Life Capital Appreciation Series S Class
04
2004
8.1960
8.9614
252,962
MFS®/Sun Life Capital Appreciation Series S Class
04
2003
6.4697
8.1960
270,347
MFS®/Sun Life Capital Appreciation Series S Class
04
2002
9.7197
6.4697
243,518
MFS®/Sun Life Capital Appreciation Series S Class
04
2001
10.0000
9.7197
55,862
           
MFS®/Sun Life Capital Appreciation Series S Class
05
2006
8.8621
9.2674
288,090
MFS®/Sun Life Capital Appreciation Series S Class
05
2005
8.9310
8.8621
326,092
MFS®/Sun Life Capital Appreciation Series S Class
05
2004
8.1765
8.9310
338,155
MFS®/Sun Life Capital Appreciation Series S Class
05
2003
6.4609
8.1765
362,710
MFS®/Sun Life Capital Appreciation Series S Class
05
2002
9.7163
6.4609
393,715
MFS®/Sun Life Capital Appreciation Series S Class
05
2001
10.0000
9.7163
109,690
           
MFS®/Sun Life Capital Appreciation Series S Class
06
2006
8.8037
9.1923
572,000
MFS®/Sun Life Capital Appreciation Series S Class
06
2005
8.8856
8.8037
622,566
MFS®/Sun Life Capital Appreciation Series S Class
06
2004
8.1473
8.8856
616,643
MFS®/Sun Life Capital Appreciation Series S Class
06
2003
6.4476
8.1473
641,017
MFS®/Sun Life Capital Appreciation Series S Class
06
2002
9.7112
6.4476
618,000
MFS®/Sun Life Capital Appreciation Series S Class
06
2001
10.0000
9.7112
322,593
           
MFS®/Sun Life Capital Opportunities Series
01
2006
6.0105
6.8026
56,216
MFS®/Sun Life Capital Opportunities Series
01
2005
5.9731
6.0105
56,216
MFS®/Sun Life Capital Opportunities Series
01
2004
5.3490
5.9731
56,216
MFS®/Sun Life Capital Opportunities Series
01
2003
4.2111
5.3490
82,495
MFS®/Sun Life Capital Opportunities Series
01
2002
6.1110
4.2111
97,754
MFS®/Sun Life Capital Opportunities Series
01
2001
8.2259
6.1110
136,567
MFS®/Sun Life Capital Opportunities Series
01
2000
10.0000
8.2259
0
           
MFS®/Sun Life Capital Opportunities Series
02
2006
5.9608
6.7362
752,025
MFS®/Sun Life Capital Opportunities Series
02
2005
5.9327
5.9608
886,323
MFS®/Sun Life Capital Opportunities Series
02
2004
5.3210
5.9327
1,029,685
MFS®/Sun Life Capital Opportunities Series
02
2003
4.1954
5.3210
1,185,398
MFS®/Sun Life Capital Opportunities Series
02
2002
6.0975
4.1954
1,312,032
MFS®/Sun Life Capital Opportunities Series
02
2001
8.2203
6.0975
1,733,022
MFS®/Sun Life Capital Opportunities Series
02
2000
10.0000
8.2203
542,845
           
MFS®/Sun Life Capital Opportunities Series
03
2006
5.9280
6.6924
158,753
MFS®/Sun Life Capital Opportunities Series
03
2005
5.9060
5.9280
160,676
MFS®/Sun Life Capital Opportunities Series
03
2004
5.3025
5.9060
172,086
MFS®/Sun Life Capital Opportunities Series
03
2003
4.1850
5.3025
252,474
MFS®/Sun Life Capital Opportunities Series
03
2002
6.0885
4.1850
305,820
MFS®/Sun Life Capital Opportunities Series
03
2001
8.2165
6.0885
360,175
MFS®/Sun Life Capital Opportunities Series
03
2000
10.0000
8.2165
168,372
           
MFS®/Sun Life Capital Opportunities Series
04
2006
5.9116
6.6705
856,039
MFS®/Sun Life Capital Opportunities Series
04
2005
5.8927
5.9116
1,015,613
MFS®/Sun Life Capital Opportunities Series
04
2004
5.2931
5.8927
1,303,620
MFS®/Sun Life Capital Opportunities Series
04
2003
4.1798
5.2931
1,602,224
MFS®/Sun Life Capital Opportunities Series
04
2002
6.0840
4.1798
1,877,831
MFS®/Sun Life Capital Opportunities Series
04
2001
8.2147
6.0840
2,619,543
MFS®/Sun Life Capital Opportunities Series
04
2000
10.0000
8.2147
974,321
           
MFS®/Sun Life Capital Opportunities Series
05
2006
5.8790
6.6269
2,072,144
MFS®/Sun Life Capital Opportunities Series
05
2005
5.8660
5.8790
2,482,190
MFS®/Sun Life Capital Opportunities Series
05
2004
5.2746
5.8660
2,910,708
MFS®/Sun Life Capital Opportunities Series
05
2003
4.1693
5.2746
3,336,441
MFS®/Sun Life Capital Opportunities Series
05
2002
6.0750
4.1693
3,952,859
MFS®/Sun Life Capital Opportunities Series
05
2001
8.2109
6.0750
5,054,427
MFS®/Sun Life Capital Opportunities Series
05
2000
10.0000
8.2109
2,057,010
           
MFS®/Sun Life Capital Opportunities Series
06
2006
5.8303
6.5621
626,398
MFS®/Sun Life Capital Opportunities Series
06
2005
5.8263
5.8303
734,825
MFS®/Sun Life Capital Opportunities Series
06
2004
5.2469
5.8263
915,371
MFS®/Sun Life Capital Opportunities Series
06
2003
4.1537
5.2469
1,096,121
MFS®/Sun Life Capital Opportunities Series
06
2002
6.0615
4.1537
1,256,912
MFS®/Sun Life Capital Opportunities Series
06
2001
8.2053
6.0615
1,667,287
MFS®/Sun Life Capital Opportunities Series
06
2000
10.0000
8.2053
530,318
           
MFS®/Sun Life Capital Opportunities Series S Class
01
2006
9.2737
10.4681
0
MFS®/Sun Life Capital Opportunities Series S Class
01
2005
9.2459
9.2737
0
MFS®/Sun Life Capital Opportunities Series S Class
01
2004
8.3001
9.2459
0
MFS®/Sun Life Capital Opportunities Series S Class
01
2003
6.5498
8.3001
0
MFS®/Sun Life Capital Opportunities Series S Class
01
2002
9.5251
6.5498
0
MFS®/Sun Life Capital Opportunities Series S Class
01
2001
10.0000
9.5251
0
           
MFS®/Sun Life Capital Opportunities Series S Class
02
2006
9.2127
10.3835
107,593
MFS®/Sun Life Capital Opportunities Series S Class
02
2005
9.1990
9.2127
123,593
MFS®/Sun Life Capital Opportunities Series S Class
02
2004
8.2706
9.1990
170,822
MFS®/Sun Life Capital Opportunities Series S Class
02
2003
6.5363
8.2706
221,647
MFS®/Sun Life Capital Opportunities Series S Class
02
2002
9.5201
6.5363
224,433
MFS®/Sun Life Capital Opportunities Series S Class
02
2001
10.0000
9.5201
79,372
           
MFS®/Sun Life Capital Opportunities Series S Class
03
2006
9.1723
10.3275
0
MFS®/Sun Life Capital Opportunities Series S Class
03
2005
9.1679
9.1723
0
MFS®/Sun Life Capital Opportunities Series S Class
03
2004
8.2510
9.1679
0
MFS®/Sun Life Capital Opportunities Series S Class
03
2003
6.5274
8.2510
0
MFS®/Sun Life Capital Opportunities Series S Class
03
2002
9.5167
6.5274
0
MFS®/Sun Life Capital Opportunities Series S Class
03
2001
10.0000
9.5167
0
           
MFS®/Sun Life Capital Opportunities Series S Class
04
2006
9.1521
10.2995
110,886
MFS®/Sun Life Capital Opportunities Series S Class
04
2005
9.1523
9.1521
131,249
MFS®/Sun Life Capital Opportunities Series S Class
04
2004
8.2411
9.1523
161,727
MFS®/Sun Life Capital Opportunities Series S Class
04
2003
6.5230
8.2411
173,237
MFS®/Sun Life Capital Opportunities Series S Class
04
2002
9.5151
6.5230
181,435
MFS®/Sun Life Capital Opportunities Series S Class
04
2001
10.0000
9.5151
71,945
           
MFS®/Sun Life Capital Opportunities Series S Class
05
2006
9.1118
10.2439
98,024
MFS®/Sun Life Capital Opportunities Series S Class
05
2005
9.1213
9.1118
113,942
MFS®/Sun Life Capital Opportunities Series S Class
05
2004
8.2216
9.1213
131,442
MFS®/Sun Life Capital Opportunities Series S Class
05
2003
6.5141
8.2216
149,913
MFS®/Sun Life Capital Opportunities Series S Class
05
2002
9.5117
6.5141
164,551
MFS®/Sun Life Capital Opportunities Series S Class
05
2001
10.0000
9.5117
53,288
           
MFS®/Sun Life Capital Opportunities Series S Class
06
2006
9.0517
10.1608
280,150
MFS®/Sun Life Capital Opportunities Series S Class
06
2005
9.0748
9.0517
295,389
MFS®/Sun Life Capital Opportunities Series S Class
06
2004
8.1922
9.0748
319,015
MFS®/Sun Life Capital Opportunities Series S Class
06
2003
6.5007
8.1922
338,079
MFS®/Sun Life Capital Opportunities Series S Class
06
2002
9.5067
6.5007
343,746
MFS®/Sun Life Capital Opportunities Series S Class
06
2001
10.0000
9.5067
143,894
           
MFS®/Sun Life Core Equity Series
01
2006
10.4716
11.7913
22,493
MFS®/Sun Life Core Equity Series
01
2005
9.9263
10.4716
22,493
MFS®/Sun Life Core Equity Series
01
2004
8.7470
9.9263
22,493
MFS®/Sun Life Core Equity Series
01
2003
6.9099
8.7470
0
MFS®/Sun Life Core Equity Series
01
2002
8.8805
6.9099
0
MFS®/Sun Life Core Equity Series
01
2001
10.0679
8.8805
0
MFS®/Sun Life Core Equity Series
01
2000
10.0000
10.0679
0
           
MFS®/Sun Life Core Equity Series
02
2006
10.3858
11.6770
177,664
MFS®/Sun Life Core Equity Series
02
2005
9.8599
10.3858
180,355
MFS®/Sun Life Core Equity Series
02
2004
8.7018
9.8599
170,032
MFS®/Sun Life Core Equity Series
02
2003
6.8846
8.7018
170,427
MFS®/Sun Life Core Equity Series
02
2002
8.8614
6.8846
191,207
MFS®/Sun Life Core Equity Series
02
2001
10.0616
8.8614
195,186
MFS®/Sun Life Core Equity Series
02
2000
10.0000
10.0616
41,097
           
MFS®/Sun Life Core Equity Series
03
2006
10.3291
11.6015
10,648
MFS®/Sun Life Core Equity Series
03
2005
9.8159
10.3291
11,099
MFS®/Sun Life Core Equity Series
03
2004
8.6717
9.8159
11,570
MFS®/Sun Life Core Equity Series
03
2003
6.8677
8.6717
12,020
MFS®/Sun Life Core Equity Series
03
2002
8.8487
6.8677
12,495
MFS®/Sun Life Core Equity Series
03
2001
10.0574
8.8487
11,465
MFS®/Sun Life Core Equity Series
03
2000
10.0000
10.0574
11,505
           
MFS®/Sun Life Core Equity Series
04
2006
10.3007
11.5638
291,308
MFS®/Sun Life Core Equity Series
04
2005
9.7939
10.3007
266,537
MFS®/Sun Life Core Equity Series
04
2004
8.6567
9.7939
270,622
MFS®/Sun Life Core Equity Series
04
2003
6.8593
8.6567
233,006
MFS®/Sun Life Core Equity Series
04
2002
8.8423
6.8593
241,574
MFS®/Sun Life Core Equity Series
04
2001
10.0553
8.8423
313,472
MFS®/Sun Life Core Equity Series
04
2000
10.0000
10.0553
70,162
           
MFS®/Sun Life Core Equity Series
05
2006
10.2442
11.4888
464,939
MFS®/Sun Life Core Equity Series
05
2005
9.7501
10.2442
506,816
MFS®/Sun Life Core Equity Series
05
2004
8.6267
9.7501
536,791
MFS®/Sun Life Core Equity Series
05
2003
6.8425
8.6267
465,972
MFS®/Sun Life Core Equity Series
05
2002
8.8296
6.8425
432,027
MFS®/Sun Life Core Equity Series
05
2001
10.0511
8.8296
459,458
MFS®/Sun Life Core Equity Series
05
2000
10.0000
10.0511
127,800
           
MFS®/Sun Life Core Equity Series
06
2006
10.1601
11.3772
228,415
MFS®/Sun Life Core Equity Series
06
2005
9.6847
10.1601
232,419
MFS®/Sun Life Core Equity Series
06
2004
8.5820
9.6847
259,957
MFS®/Sun Life Core Equity Series
06
2003
6.8174
8.5820
237,294
MFS®/Sun Life Core Equity Series
06
2002
8.8106
6.8174
182,197
MFS®/Sun Life Core Equity Series
06
2001
10.0448
8.8106
185,276
MFS®/Sun Life Core Equity Series
06
2000
10.0000
10.0448
40,111
           
MFS®/Sun Life Core Equity Series S Class
01
2006
11.5966
13.0237
36,491
MFS®/Sun Life Core Equity Series S Class
01
2005
11.0099
11.5966
0
MFS®/Sun Life Core Equity Series S Class
01
2004
9.7310
11.0099
0
MFS®/Sun Life Core Equity Series S Class
01
2003
7.7095
9.7310
0
MFS®/Sun Life Core Equity Series S Class
01
2002
9.9352
7.7095
0
MFS®/Sun Life Core Equity Series S Class
01
2001
10.0000
9.9352
0
           
MFS®/Sun Life Core Equity Series S Class
02
2006
11.5203
12.9185
115,795
MFS®/Sun Life Core Equity Series S Class
02
2005
10.9541
11.5203
89,896
MFS®/Sun Life Core Equity Series S Class
02
2004
9.6964
10.9541
97,130
MFS®/Sun Life Core Equity Series S Class
02
2003
7.6937
9.6964
114,439
MFS®/Sun Life Core Equity Series S Class
02
2002
9.9299
7.6937
116,189
MFS®/Sun Life Core Equity Series S Class
02
2001
10.0000
9.9299
27,659
           
MFS®/Sun Life Core Equity Series S Class
03
2006
11.4698
12.8489
0
MFS®/Sun Life Core Equity Series S Class
03
2005
10.9171
11.4698
0
MFS®/Sun Life Core Equity Series S Class
03
2004
9.6734
10.9171
0
MFS®/Sun Life Core Equity Series S Class
03
2003
7.6832
9.6734
0
MFS®/Sun Life Core Equity Series S Class
03
2002
9.9265
7.6832
0
MFS®/Sun Life Core Equity Series S Class
03
2001
10.0000
9.9265
0
           
MFS®/Sun Life Core Equity Series S Class
04
2006
11.4445
12.8141
89,269
MFS®/Sun Life Core Equity Series S Class
04
2005
10.8985
11.4445
73,241
MFS®/Sun Life Core Equity Series S Class
04
2004
9.6619
10.8985
68,787
MFS®/Sun Life Core Equity Series S Class
04
2003
7.6780
9.6619
72,428
MFS®/Sun Life Core Equity Series S Class
04
2002
9.9247
7.6780
61,731
MFS®/Sun Life Core Equity Series S Class
04
2001
10.0000
9.9247
18,805
           
MFS®/Sun Life Core Equity Series S Class
05
2006
11.3942
12.7448
95,211
MFS®/Sun Life Core Equity Series S Class
05
2005
10.8616
11.3942
87,386
MFS®/Sun Life Core Equity Series S Class
05
2004
9.6389
10.8616
88,498
MFS®/Sun Life Core Equity Series S Class
05
2003
7.6675
9.6389
77,577
MFS®/Sun Life Core Equity Series S Class
05
2002
9.9212
7.6675
78,769
MFS®/Sun Life Core Equity Series S Class
05
2001
10.0000
9.9212
10,756
           
MFS®/Sun Life Core Equity Series S Class
06
2006
11.3190
12.6416
80,249
MFS®/Sun Life Core Equity Series S Class
06
2005
10.8063
11.3190
66,748
MFS®/Sun Life Core Equity Series S Class
06
2004
9.6045
10.8063
79,141
MFS®/Sun Life Core Equity Series S Class
06
2003
7.6518
9.6045
84,062
MFS®/Sun Life Core Equity Series S Class
06
2002
9.9160
7.6518
86,195
MFS®/Sun Life Core Equity Series S Class
06
2001
10.0000
9.9160
14,297
           
MFS®/Sun Life Emerging Growth Series
01
2006
5.1722
5.5313
61,106
MFS®/Sun Life Emerging Growth Series
01
2005
4.7869
5.1722
62,522
MFS®/Sun Life Emerging Growth Series
01
2004
4.2699
4.7869
65,152
MFS®/Sun Life Emerging Growth Series
01
2003
3.2800
4.2699
46,887
MFS®/Sun Life Emerging Growth Series
01
2002
5.0333
3.2800
57,582
MFS®/Sun Life Emerging Growth Series
01
2001
7.7721
5.0333
37,403
MFS®/Sun Life Emerging Growth Series
01
2000
10.0000
7.7721
9,525
           
MFS®/Sun Life Emerging Growth Series
02
2006
5.1295
5.4773
1,037,922
MFS®/Sun Life Emerging Growth Series
02
2005
4.7545
5.1295
1,177,585
MFS®/Sun Life Emerging Growth Series
02
2004
4.2475
4.7545
1,408,079
MFS®/Sun Life Emerging Growth Series
02
2003
3.2677
4.2475
1,522,639
MFS®/Sun Life Emerging Growth Series
02
2002
5.0221
3.2677
1,691,152
MFS®/Sun Life Emerging Growth Series
02
2001
7.7667
5.0221
1,966,298
MFS®/Sun Life Emerging Growth Series
02
2000
10.0000
7.7667
564,969
           
MFS®/Sun Life Emerging Growth Series
03
2006
5.1012
5.4417
609,399
MFS®/Sun Life Emerging Growth Series
03
2005
4.7331
5.1012
583,125
MFS®/Sun Life Emerging Growth Series
03
2004
4.2327
4.7331
648,075
MFS®/Sun Life Emerging Growth Series
03
2003
3.2596
4.2327
565,404
MFS®/Sun Life Emerging Growth Series
03
2002
5.0147
3.2596
625,165
MFS®/Sun Life Emerging Growth Series
03
2001
7.7632
5.0147
648,447
MFS®/Sun Life Emerging Growth Series
03
2000
10.0000
7.7632
167,798
           
MFS®/Sun Life Emerging Growth Series
04
2006
5.0871
5.4239
991,968
MFS®/Sun Life Emerging Growth Series
04
2005
4.7224
5.0871
1,163,561
MFS®/Sun Life Emerging Growth Series
04
2004
4.2253
4.7224
1,425,459
MFS®/Sun Life Emerging Growth Series
04
2003
3.2555
4.2253
1,574,637
MFS®/Sun Life Emerging Growth Series
04
2002
5.0110
3.2555
1,742,717
MFS®/Sun Life Emerging Growth Series
04
2001
7.7614
5.0110
2,326,131
MFS®/Sun Life Emerging Growth Series
04
2000
10.0000
7.7614
913,512
           
MFS®/Sun Life Emerging Growth Series
05
2006
5.0590
5.3885
2,731,301
MFS®/Sun Life Emerging Growth Series
05
2005
4.7011
5.0590
3,232,954
MFS®/Sun Life Emerging Growth Series
05
2004
4.2104
4.7011
3,794,093
MFS®/Sun Life Emerging Growth Series
05
2003
3.2474
4.2104
4,112,743
MFS®/Sun Life Emerging Growth Series
05
2002
5.0036
3.2474
4,492,841
MFS®/Sun Life Emerging Growth Series
05
2001
7.7579
5.0036
5,444,437
MFS®/Sun Life Emerging Growth Series
05
2000
10.0000
7.7579
2,170,423
           
MFS®/Sun Life Emerging Growth Series
06
2006
5.0171
5.3358
1,037,974
MFS®/Sun Life Emerging Growth Series
06
2005
4.6692
5.0171
1,175,424
MFS®/Sun Life Emerging Growth Series
06
2004
4.1883
4.6692
1,359,568
MFS®/Sun Life Emerging Growth Series
06
2003
3.2353
4.1883
1,495,726
MFS®/Sun Life Emerging Growth Series
06
2002
4.9925
3.2353
1,594,086
MFS®/Sun Life Emerging Growth Series
06
2001
7.7526
4.9925
1,877,766
MFS®/Sun Life Emerging Growth Series
06
2000
10.0000
7.7526
578,558
           
MFS®/Sun Life Emerging Growth Series S Class
01
2006
9.8906
10.5457
12,885
MFS®/Sun Life Emerging Growth Series S Class
01
2005
9.1739
9.8906
13,181
MFS®/Sun Life Emerging Growth Series S Class
01
2004
8.2033
9.1739
12,791
MFS®/Sun Life Emerging Growth Series S Class
01
2003
6.3186
8.2033
0
MFS®/Sun Life Emerging Growth Series S Class
01
2002
9.7225
6.3186
0
MFS®/Sun Life Emerging Growth Series S Class
01
2001
10.0000
9.7225
0
           
MFS®/Sun Life Emerging Growth Series S Class
02
2006
9.8256
10.4604
144,263
MFS®/Sun Life Emerging Growth Series S Class
02
2005
9.1274
9.8256
163,675
MFS®/Sun Life Emerging Growth Series S Class
02
2004
8.1741
9.1274
191,361
MFS®/Sun Life Emerging Growth Series S Class
02
2003
6.3057
8.1741
188,328
MFS®/Sun Life Emerging Growth Series S Class
02
2002
9.7174
6.3057
174,753
MFS®/Sun Life Emerging Growth Series S Class
02
2001
10.0000
9.7174
43,745
           
MFS®/Sun Life Emerging Growth Series S Class
03
2006
9.7825
10.4041
0
MFS®/Sun Life Emerging Growth Series S Class
03
2005
9.0965
9.7825
0
MFS®/Sun Life Emerging Growth Series S Class
03
2004
8.1548
9.0965
0
MFS®/Sun Life Emerging Growth Series S Class
03
2003
6.2971
8.1548
0
MFS®/Sun Life Emerging Growth Series S Class
03
2002
9.7140
6.2971
0
MFS®/Sun Life Emerging Growth Series S Class
03
2001
10.0000
9.7140
0
           
MFS®/Sun Life Emerging Growth Series S Class
04
2006
9.7609
10.3759
115,395
MFS®/Sun Life Emerging Growth Series S Class
04
2005
9.0811
9.7609
134,910
MFS®/Sun Life Emerging Growth Series S Class
04
2004
8.1450
9.0811
149,742
MFS®/Sun Life Emerging Growth Series S Class
04
2003
6.2928
8.1450
153,524
MFS®/Sun Life Emerging Growth Series S Class
04
2002
9.7123
6.2928
134,393
MFS®/Sun Life Emerging Growth Series S Class
04
2001
10.0000
9.7123
46,297
           
MFS®/Sun Life Emerging Growth Series S Class
05
2006
9.7180
10.3197
140,402
MFS®/Sun Life Emerging Growth Series S Class
05
2005
9.0503
9.7180
143,642
MFS®/Sun Life Emerging Growth Series S Class
05
2004
8.1257
9.0503
152,392
MFS®/Sun Life Emerging Growth Series S Class
05
2003
6.2842
8.1257
157,538
MFS®/Sun Life Emerging Growth Series S Class
05
2002
9.7089
6.2842
187,280
MFS®/Sun Life Emerging Growth Series S Class
05
2001
10.0000
9.7089
80,752
           
MFS®/Sun Life Emerging Growth Series S Class
06
2006
9.6539
10.2362
188,262
MFS®/Sun Life Emerging Growth Series S Class
06
2005
9.0042
9.6539
199,082
MFS®/Sun Life Emerging Growth Series S Class
06
2004
8.0967
9.0042
213,993
MFS®/Sun Life Emerging Growth Series S Class
06
2003
6.2713
8.0967
218,596
MFS®/Sun Life Emerging Growth Series S Class
06
2002
9.7038
6.2713
234,953
MFS®/Sun Life Emerging Growth Series S Class
06
2001
10.0000
9.7038
86,682
           
MFS®/Sun Life Emerging Markets Equity Series
01
2006
20.0009
25.7744
17,991
MFS®/Sun Life Emerging Markets Equity Series
01
2005
14.7717
20.0009
12,260
MFS®/Sun Life Emerging Markets Equity Series
01
2004
11.7323
14.7717
12,265
MFS®/Sun Life Emerging Markets Equity Series
01
2003
7.7657
11.7323
12,268
MFS®/Sun Life Emerging Markets Equity Series
01
2002
7.9991
7.7657
12,238
MFS®/Sun Life Emerging Markets Equity Series
01
2001
8.1649
7.9991
30,597
MFS®/Sun Life Emerging Markets Equity Series
01
2000
10.0000
8.1649
0
           
MFS®/Sun Life Emerging Markets Equity Series
02
2006
19.8362
25.5235
90,011
MFS®/Sun Life Emerging Markets Equity Series
02
2005
14.6722
19.8362
113,424
MFS®/Sun Life Emerging Markets Equity Series
02
2004
11.6711
14.6722
86,627
MFS®/Sun Life Emerging Markets Equity Series
02
2003
7.7369
11.6711
88,849
MFS®/Sun Life Emerging Markets Equity Series
02
2002
7.9815
7.7369
97,609
MFS®/Sun Life Emerging Markets Equity Series
02
2001
8.1594
7.9815
90,757
MFS®/Sun Life Emerging Markets Equity Series
02
2000
10.0000
8.1594
16,933
           
MFS®/Sun Life Emerging Markets Equity Series
03
2006
19.7273
25.3579
39,375
MFS®/Sun Life Emerging Markets Equity Series
03
2005
14.6064
19.7273
22,395
MFS®/Sun Life Emerging Markets Equity Series
03
2004
11.6305
14.6064
27,452
MFS®/Sun Life Emerging Markets Equity Series
03
2003
7.7178
11.6305
15,572
MFS®/Sun Life Emerging Markets Equity Series
03
2002
7.9699
7.7178
16,684
MFS®/Sun Life Emerging Markets Equity Series
03
2001
8.1558
7.9699
25,552
MFS®/Sun Life Emerging Markets Equity Series
03
2000
10.0000
8.1558
20,014
           
MFS®/Sun Life Emerging Markets Equity Series
04
2006
19.6730
25.2752
116,434
MFS®/Sun Life Emerging Markets Equity Series
04
2005
14.5735
19.6730
114,517
MFS®/Sun Life Emerging Markets Equity Series
04
2004
11.6102
14.5735
104,732
MFS®/Sun Life Emerging Markets Equity Series
04
2003
7.7082
11.6102
100,907
MFS®/Sun Life Emerging Markets Equity Series
04
2002
7.9640
7.7082
95,418
MFS®/Sun Life Emerging Markets Equity Series
04
2001
8.1540
7.9640
108,814
MFS®/Sun Life Emerging Markets Equity Series
04
2000
10.0000
8.1540
50,636
           
MFS®/Sun Life Emerging Markets Equity Series
05
2006
19.5646
25.1106
262,274
MFS®/Sun Life Emerging Markets Equity Series
05
2005
14.5079
19.5646
294,619
MFS®/Sun Life Emerging Markets Equity Series
05
2004
11.5697
14.5079
253,798
MFS®/Sun Life Emerging Markets Equity Series
05
2003
7.6891
11.5697
238,617
MFS®/Sun Life Emerging Markets Equity Series
05
2002
7.9523
7.6891
236,222
MFS®/Sun Life Emerging Markets Equity Series
05
2001
8.1504
7.9523
250,796
MFS®/Sun Life Emerging Markets Equity Series
05
2000
10.0000
8.1504
105,050
           
MFS®/Sun Life Emerging Markets Equity Series
06
2006
19.4032
24.8656
103,526
MFS®/Sun Life Emerging Markets Equity Series
06
2005
14.4100
19.4032
116,894
MFS®/Sun Life Emerging Markets Equity Series
06
2004
11.5092
14.4100
98,624
MFS®/Sun Life Emerging Markets Equity Series
06
2003
7.6605
11.5092
92,723
MFS®/Sun Life Emerging Markets Equity Series
06
2002
7.9348
7.6605
92,558
MFS®/Sun Life Emerging Markets Equity Series
06
2001
8.1449
7.9348
110,619
MFS®/Sun Life Emerging Markets Equity Series
06
2000
10.0000
8.1449
54,411
           
MFS®/Sun Life Emerging Markets Equity Series S Class
01
2006
25.5864
32.9045
0
MFS®/Sun Life Emerging Markets Equity Series S Class
01
2005
18.9409
25.5864
0
MFS®/Sun Life Emerging Markets Equity Series S Class
01
2004
15.0787
18.9409
0
MFS®/Sun Life Emerging Markets Equity Series S Class
01
2003
10.0120
15.0787
0
MFS®/Sun Life Emerging Markets Equity Series S Class
01
2002
10.3320
10.0120
0
MFS®/Sun Life Emerging Markets Equity Series S Class
01
2001
10.0000
10.3320
0
           
MFS®/Sun Life Emerging Markets Equity Series S Class
02
2006
25.4182
32.6388
37,054
MFS®/Sun Life Emerging Markets Equity Series S Class
02
2005
18.8449
25.4182
35,199
MFS®/Sun Life Emerging Markets Equity Series S Class
02
2004
15.0251
18.8449
24,632
MFS®/Sun Life Emerging Markets Equity Series S Class
02
2003
9.9915
15.0251
40,714
MFS®/Sun Life Emerging Markets Equity Series S Class
02
2002
10.3266
9.9915
14,531
MFS®/Sun Life Emerging Markets Equity Series S Class
02
2001
10.0000
10.3266
2,008
           
MFS®/Sun Life Emerging Markets Equity Series S Class
03
2006
25.3068
32.4631
0
MFS®/Sun Life Emerging Markets Equity Series S Class
03
2005
18.7812
25.3068
0
MFS®/Sun Life Emerging Markets Equity Series S Class
03
2004
14.9896
18.7812
0
MFS®/Sun Life Emerging Markets Equity Series S Class
03
2003
9.9779
14.9896
0
MFS®/Sun Life Emerging Markets Equity Series S Class
03
2002
10.3230
9.9779
0
MFS®/Sun Life Emerging Markets Equity Series S Class
03
2001
10.0000
10.3230
0
           
MFS®/Sun Life Emerging Markets Equity Series S Class
04
2006
25.2511
32.3753
27,638
MFS®/Sun Life Emerging Markets Equity Series S Class
04
2005
18.7494
25.2511
24,382
MFS®/Sun Life Emerging Markets Equity Series S Class
04
2004
14.9717
18.7494
18,594
MFS®/Sun Life Emerging Markets Equity Series S Class
04
2003
9.9711
14.9717
12,843
MFS®/Sun Life Emerging Markets Equity Series S Class
04
2002
10.3212
9.9711
8,036
MFS®/Sun Life Emerging Markets Equity Series S Class
04
2001
10.0000
10.3212
2,101
           
MFS®/Sun Life Emerging Markets Equity Series S Class
05
2006
25.1401
32.2003
24,365
MFS®/Sun Life Emerging Markets Equity Series S Class
05
2005
18.6858
25.1401
21,350
MFS®/Sun Life Emerging Markets Equity Series S Class
05
2004
14.9362
18.6858
16,194
MFS®/Sun Life Emerging Markets Equity Series S Class
05
2003
9.9575
14.9362
14,159
MFS®/Sun Life Emerging Markets Equity Series S Class
05
2002
10.3175
9.9575
8,678
MFS®/Sun Life Emerging Markets Equity Series S Class
05
2001
10.0000
10.3175
1,143
           
MFS®/Sun Life Emerging Markets Equity Series S Class
06
2006
24.9744
31.9396
39,124
MFS®/Sun Life Emerging Markets Equity Series S Class
06
2005
18.5908
24.9744
41,393
MFS®/Sun Life Emerging Markets Equity Series S Class
06
2004
14.8829
18.5908
39,325
MFS®/Sun Life Emerging Markets Equity Series S Class
06
2003
9.9371
14.8829
50,256
MFS®/Sun Life Emerging Markets Equity Series S Class
06
2002
10.3121
9.9371
33,666
MFS®/Sun Life Emerging Markets Equity Series S Class
06
2001
10.0000
10.3121
8,851
           
MFS®/Sun Life Global Governments Series
01
2006
13.6236
14.1575
31
MFS®/Sun Life Global Governments Series
01
2005
14.8293
13.6236
53,573
MFS®/Sun Life Global Governments Series
01
2004
13.6104
14.8293
53,570
MFS®/Sun Life Global Governments Series
01
2003
11.8928
13.6104
24
MFS®/Sun Life Global Governments Series
01
2002
9.9593
11.8928
0
MFS®/Sun Life Global Governments Series
01
2001
10.2804
9.9593
0
MFS®/Sun Life Global Governments Series
01
2000
10.0000
10.2804
0
           
MFS®/Sun Life Global Governments Series
02
2006
13.5114
14.0197
46,960
MFS®/Sun Life Global Governments Series
02
2005
14.7295
13.5114
73,919
MFS®/Sun Life Global Governments Series
02
2004
13.5394
14.7295
72,666
MFS®/Sun Life Global Governments Series
02
2003
11.8488
13.5394
74,678
MFS®/Sun Life Global Governments Series
02
2002
9.9374
11.8488
76,123
MFS®/Sun Life Global Governments Series
02
2001
10.2735
9.9374
45,747
MFS®/Sun Life Global Governments Series
02
2000
10.0000
10.2735
10,314
           
MFS®/Sun Life Global Governments Series
03
2006
13.4373
13.9288
15,264
MFS®/Sun Life Global Governments Series
03
2005
14.6634
13.4373
13,322
MFS®/Sun Life Global Governments Series
03
2004
13.4923
14.6634
19,674
MFS®/Sun Life Global Governments Series
03
2003
11.8196
13.4923
19,690
MFS®/Sun Life Global Governments Series
03
2002
9.9229
11.8196
31,291
MFS®/Sun Life Global Governments Series
03
2001
10.2690
9.9229
51,449
MFS®/Sun Life Global Governments Series
03
2000
10.0000
10.2690
12,317
           
MFS®/Sun Life Global Governments Series
04
2006
13.4003
13.8833
48,328
MFS®/Sun Life Global Governments Series
04
2005
14.6304
13.4003
46,556
MFS®/Sun Life Global Governments Series
04
2004
13.4688
14.6304
72,104
MFS®/Sun Life Global Governments Series
04
2003
11.8049
13.4688
64,758
MFS®/Sun Life Global Governments Series
04
2002
9.9157
11.8049
78,782
MFS®/Sun Life Global Governments Series
04
2001
10.2667
9.9157
37,376
MFS®/Sun Life Global Governments Series
04
2000
10.0000
10.2667
12,672
           
MFS®/Sun Life Global Governments Series
05
2006
13.3265
13.7929
142,573
MFS®/Sun Life Global Governments Series
05
2005
14.5646
13.3265
150,353
MFS®/Sun Life Global Governments Series
05
2004
13.4218
14.5646
139,509
MFS®/Sun Life Global Governments Series
05
2003
11.7757
13.4218
153,706
MFS®/Sun Life Global Governments Series
05
2002
9.9012
11.7757
160,782
MFS®/Sun Life Global Governments Series
05
2001
10.2621
9.9012
129,687
MFS®/Sun Life Global Governments Series
05
2000
10.0000
10.2621
54,231
           
MFS®/Sun Life Global Governments Series
06
2006
13.2165
13.6583
73,766
MFS®/Sun Life Global Governments Series
06
2005
14.4664
13.2165
69,777
MFS®/Sun Life Global Governments Series
06
2004
13.3517
14.4664
70,191
MFS®/Sun Life Global Governments Series
06
2003
11.7320
13.3517
66,537
MFS®/Sun Life Global Governments Series
06
2002
9.8794
11.7320
71,946
MFS®/Sun Life Global Governments Series
06
2001
10.2553
9.8794
63,952
MFS®/Sun Life Global Governments Series
06
2000
10.0000
10.2553
33,261
           
MFS®/Sun Life Global Governments Series S Class
01
2006
13.1603
13.6420
0
MFS®/Sun Life Global Governments Series S Class
01
2005
14.3699
13.1603
0
MFS®/Sun Life Global Governments Series S Class
01
2004
13.2199
14.3699
0
MFS®/Sun Life Global Governments Series S Class
01
2003
11.5813
13.2199
0
MFS®/Sun Life Global Governments Series S Class
01
2002
9.7251
11.5813
0
MFS®/Sun Life Global Governments Series S Class
01
2001
10.0000
9.7251
0
           
MFS®/Sun Life Global Governments Series S Class
02
2006
13.0738
13.5319
27,745
MFS®/Sun Life Global Governments Series S Class
02
2005
14.2970
13.0738
36,882
MFS®/Sun Life Global Governments Series S Class
02
2004
13.1730
14.2970
41,663
MFS®/Sun Life Global Governments Series S Class
02
2003
11.5577
13.1730
39,284
MFS®/Sun Life Global Governments Series S Class
02
2002
9.7200
11.5577
43,653
MFS®/Sun Life Global Governments Series S Class
02
2001
10.0000
9.7200
2,391
           
MFS®/Sun Life Global Governments Series S Class
03
2006
13.0165
13.4589
0
MFS®/Sun Life Global Governments Series S Class
03
2005
14.2487
13.0165
0
MFS®/Sun Life Global Governments Series S Class
03
2004
13.1418
14.2487
0
MFS®/Sun Life Global Governments Series S Class
03
2003
11.5420
13.1418
0
MFS®/Sun Life Global Governments Series S Class
03
2002
9.7166
11.5420
0
MFS®/Sun Life Global Governments Series S Class
03
2001
10.0000
9.7166
0
           
MFS®/Sun Life Global Governments Series S Class
04
2006
12.9878
13.4225
26,193
MFS®/Sun Life Global Governments Series S Class
04
2005
14.2246
12.9878
18,235
MFS®/Sun Life Global Governments Series S Class
04
2004
13.1261
14.2246
14,494
MFS®/Sun Life Global Governments Series S Class
04
2003
11.5341
13.1261
30,465
MFS®/Sun Life Global Governments Series S Class
04
2002
9.7149
11.5341
13,639
MFS®/Sun Life Global Governments Series S Class
04
2001
10.0000
9.7149
2,494
           
MFS®/Sun Life Global Governments Series S Class
05
2006
12.9307
13.3500
26,722
MFS®/Sun Life Global Governments Series S Class
05
2005
14.1764
12.9307
19,097
MFS®/Sun Life Global Governments Series S Class
05
2004
13.0950
14.1764
12,420
MFS®/Sun Life Global Governments Series S Class
05
2003
11.5184
13.0950
9,558
MFS®/Sun Life Global Governments Series S Class
05
2002
9.7115
11.5184
9,489
MFS®/Sun Life Global Governments Series S Class
05
2001
10.0000
9.7115
1,446
           
MFS®/Sun Life Global Governments Series S Class
06
2006
12.8455
13.2419
32,729
MFS®/Sun Life Global Governments Series S Class
06
2005
14.1043
12.8455
22,396
MFS®/Sun Life Global Governments Series S Class
06
2004
13.0483
14.1043
28,578
MFS®/Sun Life Global Governments Series S Class
06
2003
11.4949
13.0483
47,112
MFS®/Sun Life Global Governments Series S Class
06
2002
9.7064
11.4949
28,979
MFS®/Sun Life Global Governments Series S Class
06
2001
10.0000
9.7064
3,856
           
MFS®/Sun Life Global Growth Series
01
2006
9.4612
10.9943
26,460
MFS®/Sun Life Global Growth Series
01
2005
8.6850
9.4612
14,167
MFS®/Sun Life Global Growth Series
01
2004
7.5883
8.6850
14,167
MFS®/Sun Life Global Growth Series
01
2003
5.6591
7.5883
0
MFS®/Sun Life Global Growth Series
01
2002
7.0895
5.6591
0
MFS®/Sun Life Global Growth Series
01
2001
8.9172
7.0895
0
MFS®/Sun Life Global Growth Series
01
2000
10.0000
8.9172
0
           
MFS®/Sun Life Global Growth Series
02
2006
9.3835
10.8875
243,483
MFS®/Sun Life Global Growth Series
02
2005
8.6267
9.3835
280,214
MFS®/Sun Life Global Growth Series
02
2004
7.5489
8.6267
301,886
MFS®/Sun Life Global Growth Series
02
2003
5.6382
7.5489
359,577
MFS®/Sun Life Global Growth Series
02
2002
7.0741
5.6382
408,379
MFS®/Sun Life Global Growth Series
02
2001
8.9115
7.0741
428,636
MFS®/Sun Life Global Growth Series
02
2000
10.0000
8.9115
155,157
           
MFS®/Sun Life Global Growth Series
03
2006
9.3321
10.8170
0
MFS®/Sun Life Global Growth Series
03
2005
8.5881
9.3321
719
MFS®/Sun Life Global Growth Series
03
2004
7.5227
8.5881
9,114
MFS®/Sun Life Global Growth Series
03
2003
5.6244
7.5227
9,071
MFS®/Sun Life Global Growth Series
03
2002
7.0639
5.6244
20,122
MFS®/Sun Life Global Growth Series
03
2001
8.9077
7.0639
25,431
MFS®/Sun Life Global Growth Series
03
2000
10.0000
8.9077
4,354
           
MFS®/Sun Life Global Growth Series
04
2006
9.3064
10.7818
248,558
MFS®/Sun Life Global Growth Series
04
2005
8.5688
9.3064
254,314
MFS®/Sun Life Global Growth Series
04
2004
7.5096
8.5688
306,996
MFS®/Sun Life Global Growth Series
04
2003
5.6175
7.5096
365,890
MFS®/Sun Life Global Growth Series
04
2002
7.0588
5.6175
425,713
MFS®/Sun Life Global Growth Series
04
2001
8.9058
7.0588
548,662
MFS®/Sun Life Global Growth Series
04
2000
10.0000
8.9058
201,984
           
MFS®/Sun Life Global Growth Series
05
2006
9.2553
10.7117
495,726
MFS®/Sun Life Global Growth Series
05
2005
8.5304
9.2553
517,641
MFS®/Sun Life Global Growth Series
05
2004
7.4836
8.5304
551,946
MFS®/Sun Life Global Growth Series
05
2003
5.6036
7.4836
586,270
MFS®/Sun Life Global Growth Series
05
2002
7.0485
5.6036
634,629
MFS®/Sun Life Global Growth Series
05
2001
8.9020
7.0485
784,292
MFS®/Sun Life Global Growth Series
05
2000
10.0000
8.9020
376,659
           
MFS®/Sun Life Global Growth Series
06
2006
9.1791
10.6074
153,204
MFS®/Sun Life Global Growth Series
06
2005
8.4730
9.1791
170,191
MFS®/Sun Life Global Growth Series
06
2004
7.4446
8.4730
226,803
MFS®/Sun Life Global Growth Series
06
2003
5.5829
7.4446
222,638
MFS®/Sun Life Global Growth Series
06
2002
7.0332
5.5829
226,143
MFS®/Sun Life Global Growth Series
06
2001
8.8963
7.0332
276,585
MFS®/Sun Life Global Growth Series
06
2000
10.0000
8.8963
88,602
           
MFS®/Sun Life Global Growth Series S Class
01
2006
12.7933
14.8194
3,771
MFS®/Sun Life Global Growth Series S Class
01
2005
11.7759
12.7933
5,168
MFS®/Sun Life Global Growth Series S Class
01
2004
10.3068
11.7759
6,825
MFS®/Sun Life Global Growth Series S Class
01
2003
7.7044
10.3068
8,587
MFS®/Sun Life Global Growth Series S Class
01
2002
9.6873
7.7044
11,269
MFS®/Sun Life Global Growth Series S Class
01
2001
10.0000
9.6873
0
           
MFS®/Sun Life Global Growth Series S Class
02
2006
12.7092
14.6997
30,802
MFS®/Sun Life Global Growth Series S Class
02
2005
11.7161
12.7092
29,623
MFS®/Sun Life Global Growth Series S Class
02
2004
10.2701
11.7161
31,744
MFS®/Sun Life Global Growth Series S Class
02
2003
7.6886
10.2701
38,676
MFS®/Sun Life Global Growth Series S Class
02
2002
9.6823
7.6886
45,967
MFS®/Sun Life Global Growth Series S Class
02
2001
10.0000
9.6823
8,845
           
MFS®/Sun Life Global Growth Series S Class
03
2006
12.6534
14.6205
0
MFS®/Sun Life Global Growth Series S Class
03
2005
11.6765
12.6534
0
MFS®/Sun Life Global Growth Series S Class
03
2004
10.2457
11.6765
0
MFS®/Sun Life Global Growth Series S Class
03
2003
7.6781
10.2457
0
MFS®/Sun Life Global Growth Series S Class
03
2002
9.6789
7.6781
0
MFS®/Sun Life Global Growth Series S Class
03
2001
10.0000
9.6789
0
           
MFS®/Sun Life Global Growth Series S Class
04
2006
12.6256
14.5809
34,288
MFS®/Sun Life Global Growth Series S Class
04
2005
11.6567
12.6256
34,993
MFS®/Sun Life Global Growth Series S Class
04
2004
10.2335
11.6567
42,060
MFS®/Sun Life Global Growth Series S Class
04
2003
7.6729
10.2335
49,464
MFS®/Sun Life Global Growth Series S Class
04
2002
9.6772
7.6729
41,530
MFS®/Sun Life Global Growth Series S Class
04
2001
10.0000
9.6772
6,913
           
MFS®/Sun Life Global Growth Series S Class
05
2006
12.5700
14.5021
52,260
MFS®/Sun Life Global Growth Series S Class
05
2005
11.6172
12.5700
56,086
MFS®/Sun Life Global Growth Series S Class
05
2004
10.2092
11.6172
60,431
MFS®/Sun Life Global Growth Series S Class
05
2003
7.6624
10.2092
64,736
MFS®/Sun Life Global Growth Series S Class
05
2002
9.6738
7.6624
67,838
MFS®/Sun Life Global Growth Series S Class
05
2001
10.0000
9.6738
29,671
           
MFS®/Sun Life Global Growth Series S Class
06
2006
12.4871
14.3846
42,580
MFS®/Sun Life Global Growth Series S Class
06
2005
11.5581
12.4871
42,021
MFS®/Sun Life Global Growth Series S Class
06
2004
10.1728
11.5581
53,032
MFS®/Sun Life Global Growth Series S Class
06
2003
7.6467
10.1728
39,088
MFS®/Sun Life Global Growth Series S Class
06
2002
9.6687
7.6467
36,153
MFS®/Sun Life Global Growth Series S Class
06
2001
10.0000
9.6687
3,912
           
MFS®/Sun Life Global Total Return Series
01
2006
13.3771
15.5316
0
MFS®/Sun Life Global Total Return Series
01
2005
13.0218
13.3771
0
MFS®/Sun Life Global Total Return Series
01
2004
11.2313
13.0218
0
MFS®/Sun Life Global Total Return Series
01
2003
9.2252
11.2313
0
MFS®/Sun Life Global Total Return Series
01
2002
9.2627
9.2252
0
MFS®/Sun Life Global Total Return Series
01
2001
9.9738
9.2627
0
MFS®/Sun Life Global Total Return Series
01
2000
10.0000
9.9738
0
           
MFS®/Sun Life Global Total Return Series
02
2006
13.2685
15.3823
188,568
MFS®/Sun Life Global Total Return Series
02
2005
12.9357
13.2685
198,934
MFS®/Sun Life Global Total Return Series
02
2004
11.1740
12.9357
175,911
MFS®/Sun Life Global Total Return Series
02
2003
9.1921
11.1740
150,507
MFS®/Sun Life Global Total Return Series
02
2002
9.2435
9.1921
100,243
MFS®/Sun Life Global Total Return Series
02
2001
9.9684
9.2435
86,849
MFS®/Sun Life Global Total Return Series
02
2000
10.0000
9.9684
6,315
           
MFS®/Sun Life Global Total Return Series
03
2006
13.1968
15.2837
5,974
MFS®/Sun Life Global Total Return Series
03
2005
12.8787
13.1968
2,719
MFS®/Sun Life Global Total Return Series
03
2004
11.1360
12.8787
1,867
MFS®/Sun Life Global Total Return Series
03
2003
9.1702
11.1360
17,905
MFS®/Sun Life Global Total Return Series
03
2002
9.2307
9.1702
12,864
MFS®/Sun Life Global Total Return Series
03
2001
9.9647
9.2307
0
MFS®/Sun Life Global Total Return Series
03
2000
10.0000
9.9647
0
           
MFS®/Sun Life Global Total Return Series
04
2006
13.1609
15.2344
278,991
MFS®/Sun Life Global Total Return Series
04
2005
12.8502
13.1609
275,975
MFS®/Sun Life Global Total Return Series
04
2004
11.1170
12.8502
221,787
MFS®/Sun Life Global Total Return Series
04
2003
9.1592
11.1170
212,310
MFS®/Sun Life Global Total Return Series
04
2002
9.2243
9.1592
129,637
MFS®/Sun Life Global Total Return Series
04
2001
9.9629
9.2243
121,257
MFS®/Sun Life Global Total Return Series
04
2000
10.0000
9.9629
25,601
           
MFS®/Sun Life Global Total Return Series
05
2006
13.0894
15.1363
425,613
MFS®/Sun Life Global Total Return Series
05
2005
12.7933
13.0894
463,821
MFS®/Sun Life Global Total Return Series
05
2004
11.0791
12.7933
404,139
MFS®/Sun Life Global Total Return Series
05
2003
9.1372
11.0791
392,672
MFS®/Sun Life Global Total Return Series
05
2002
9.2115
9.1372
199,870
MFS®/Sun Life Global Total Return Series
05
2001
9.9593
9.2115
124,338
MFS®/Sun Life Global Total Return Series
05
2000
10.0000
9.9593
20,862
           
MFS®/Sun Life Global Total Return Series
06
2006
12.9829
14.9905
191,642
MFS®/Sun Life Global Total Return Series
06
2005
12.7085
12.9829
192,262
MFS®/Sun Life Global Total Return Series
06
2004
11.0225
12.7085
131,308
MFS®/Sun Life Global Total Return Series
06
2003
9.1043
11.0225
119,038
MFS®/Sun Life Global Total Return Series
06
2002
9.1924
9.1043
72,193
MFS®/Sun Life Global Total Return Series
06
2001
9.9538
9.1924
56,564
MFS®/Sun Life Global Total Return Series
06
2000
10.0000
9.9538
5,255
           
MFS®/Sun Life Global Total Return Series S Class
01
2006
13.9540
16.1509
0
MFS®/Sun Life Global Total Return Series S Class
01
2005
13.6126
13.9540
2,093
MFS®/Sun Life Global Total Return Series S Class
01
2004
11.7650
13.6126
0
MFS®/Sun Life Global Total Return Series S Class
01
2003
9.6983
11.7650
0
MFS®/Sun Life Global Total Return Series S Class
01
2002
9.7569
9.6983
7,979
MFS®/Sun Life Global Total Return Series S Class
01
2001
10.0000
9.7569
0
           
MFS®/Sun Life Global Total Return Series S Class
02
2006
13.8622
16.0204
139,928
MFS®/Sun Life Global Total Return Series S Class
02
2005
13.5435
13.8622
126,808
MFS®/Sun Life Global Total Return Series S Class
02
2004
11.7231
13.5435
141,230
MFS®/Sun Life Global Total Return Series S Class
02
2003
9.6785
11.7231
135,470
MFS®/Sun Life Global Total Return Series S Class
02
2002
9.7518
9.6785
80,005
MFS®/Sun Life Global Total Return Series S Class
02
2001
10.0000
9.7518
32,456
           
MFS®/Sun Life Global Total Return Series S Class
03
2006
13.8015
15.9341
0
MFS®/Sun Life Global Total Return Series S Class
03
2005
13.4978
13.8015
0
MFS®/Sun Life Global Total Return Series S Class
03
2004
11.6954
13.4978
0
MFS®/Sun Life Global Total Return Series S Class
03
2003
9.6653
11.6954
0
MFS®/Sun Life Global Total Return Series S Class
03
2002
9.7483
9.6653
0
MFS®/Sun Life Global Total Return Series S Class
03
2001
10.0000
9.7483
0
           
MFS®/Sun Life Global Total Return Series S Class
04
2006
13.7711
15.8910
90,923
MFS®/Sun Life Global Total Return Series S Class
04
2005
13.4749
13.7711
89,299
MFS®/Sun Life Global Total Return Series S Class
04
2004
11.6815
13.4749
80,688
MFS®/Sun Life Global Total Return Series S Class
04
2003
9.6587
11.6815
73,403
MFS®/Sun Life Global Total Return Series S Class
04
2002
9.7466
9.6587
44,497
MFS®/Sun Life Global Total Return Series S Class
04
2001
10.0000
9.7466
21,316
           
MFS®/Sun Life Global Total Return Series S Class
05
2006
13.7105
15.8051
51,118
MFS®/Sun Life Global Total Return Series S Class
05
2005
13.4292
13.7105
52,647
MFS®/Sun Life Global Total Return Series S Class
05
2004
11.6537
13.4292
50,183
MFS®/Sun Life Global Total Return Series S Class
05
2003
9.6455
11.6537
47,182
MFS®/Sun Life Global Total Return Series S Class
05
2002
9.7432
9.6455
31,334
MFS®/Sun Life Global Total Return Series S Class
05
2001
10.0000
9.7432
7,956
           
MFS®/Sun Life Global Total Return Series S Class
06
2006
13.6201
15.6771
90,088
MFS®/Sun Life Global Total Return Series S Class
06
2005
13.3609
13.6201
89,181
MFS®/Sun Life Global Total Return Series S Class
06
2004
11.6122
13.3609
91,852
MFS®/Sun Life Global Total Return Series S Class
06
2003
9.6258
11.6122
83,797
MFS®/Sun Life Global Total Return Series S Class
06
2002
9.7381
9.6258
62,519
MFS®/Sun Life Global Total Return Series S Class
06
2001
10.0000
9.7381
25,350
           
MFS®/Sun Life Government Securities Series
01
2006
12.9355
13.2784
63,914
MFS®/Sun Life Government Securities Series
01
2005
12.7717
12.9355
57,954
MFS®/Sun Life Government Securities Series
01
2004
12.4334
12.7717
54,183
MFS®/Sun Life Government Securities Series
01
2003
12.2947
12.4334
56,819
MFS®/Sun Life Government Securities Series
01
2002
11.3102
12.2947
79,311
MFS®/Sun Life Government Securities Series
01
2001
10.6328
11.3102
82,692
MFS®/Sun Life Government Securities Series
01
2000
10.0000
10.6328
0
           
MFS®/Sun Life Government Securities Series
02
2006
12.8290
13.1492
841,752
MFS®/Sun Life Government Securities Series
02
2005
12.6857
12.8290
905,433
MFS®/Sun Life Government Securities Series
02
2004
12.3686
12.6857
1,024,866
MFS®/Sun Life Government Securities Series
02
2003
12.2492
12.3686
1,208,075
MFS®/Sun Life Government Securities Series
02
2002
11.2854
12.2492
1,535,010
MFS®/Sun Life Government Securities Series
02
2001
10.6257
11.2854
1,306,150
MFS®/Sun Life Government Securities Series
02
2000
10.0000
10.6257
173,3845
           
MFS®/Sun Life Government Securities Series
03
2006
12.7586
13.0638
56,562
MFS®/Sun Life Government Securities Series
03
2005
12.6288
12.7586
54,512
MFS®/Sun Life Government Securities Series
03
2004
12.3256
12.6288
123,324
MFS®/Sun Life Government Securities Series
03
2003
12.2190
12.3256
131,414
MFS®/Sun Life Government Securities Series
03
2002
11.2690
12.2190
215,755
MFS®/Sun Life Government Securities Series
03
2001
10.6210
11.2690
124,911
MFS®/Sun Life Government Securities Series
03
2000
10.0000
10.6210
20,304
           
MFS®/Sun Life Government Securities Series
04
2006
12.7235
13.0213
846,022
MFS®/Sun Life Government Securities Series
04
2005
12.6004
12.7235
988,757
MFS®/Sun Life Government Securities Series
04
2004
12.3041
12.6004
1,080,942
MFS®/Sun Life Government Securities Series
04
2003
12.2039
12.3041
1,363,351
MFS®/Sun Life Government Securities Series
04
2002
11.2607
12.2039
1,913,473
MFS®/Sun Life Government Securities Series
04
2001
10.6186
11.2607
1,359,479
MFS®/Sun Life Government Securities Series
04
2000
10.0000
10.6186
209,319
           
MFS®/Sun Life Government Securities Series
05
2006
12.6534
12.9364
1,588,152
MFS®/Sun Life Government Securities Series
05
2005
12.5437
12.6534
1,721,343
MFS®/Sun Life Government Securities Series
05
2004
12.2611
12.5437
1,869,068
MFS®/Sun Life Government Securities Series
05
2003
12.1736
12.2611
2,261,410
MFS®/Sun Life Government Securities Series
05
2002
11.2442
12.1736
2,825,611
MFS®/Sun Life Government Securities Series
05
2001
10.6139
11.2442
2,413,267
MFS®/Sun Life Government Securities Series
05
2000
10.0000
10.6139
370,992
           
MFS®/Sun Life Government Securities Series
06
2006
12.5490
12.8103
711,318
MFS®/Sun Life Government Securities Series
06
2005
12.4591
12.5490
790,327
MFS®/Sun Life Government Securities Series
06
2004
12.1971
12.4591
991,910
MFS®/Sun Life Government Securities Series
06
2003
12.1285
12.1971
1,193,587
MFS®/Sun Life Government Securities Series
06
2002
11.2196
12.1285
1,486,063
MFS®/Sun Life Government Securities Series
06
2001
10.6069
11.2196
1,153,701
MFS®/Sun Life Government Securities Series
06
2000
10.0000
10.6069
120,982
           
MFS®/Sun Life Government Securities Series S Class
01
2006
11.4658
11.7457
29,107
MFS®/Sun Life Government Securities Series S Class
01
2005
11.3535
11.4658
26,401
MFS®/Sun Life Government Securities Series S Class
01
2004
11.0752
11.3535
22,842
MFS®/Sun Life Government Securities Series S Class
01
2003
10.9817
11.0752
0
MFS®/Sun Life Government Securities Series S Class
01
2002
10.1290
10.9817
0
MFS®/Sun Life Government Securities Series S Class
01
2001
10.0000
10.1290
0
           
MFS®/Sun Life Government Securities Series S Class
02
2006
11.3904
11.6508
630,242
MFS®/Sun Life Government Securities Series S Class
02
2005
11.2959
11.3904
693,960
MFS®/Sun Life Government Securities Series S Class
02
2004
11.0358
11.2959
808,370
MFS®/Sun Life Government Securities Series S Class
02
2003
10.9593
11.0358
974,838
MFS®/Sun Life Government Securities Series S Class
02
2002
10.1237
10.9593
1,072,889
MFS®/Sun Life Government Securities Series S Class
02
2001
10.0000
10.1237
226,581
           
MFS®/Sun Life Government Securities Series S Class
03
2006
11.3404
11.5880
0
MFS®/Sun Life Government Securities Series S Class
03
2005
11.2577
11.3404
0
MFS®/Sun Life Government Securities Series S Class
03
2004
11.0097
11.2577
0
MFS®/Sun Life Government Securities Series S Class
03
2003
10.9444
11.0097
0
MFS®/Sun Life Government Securities Series S Class
03
2002
10.1202
10.9444
0
MFS®/Sun Life Government Securities Series S Class
03
2001
10.0000
10.1202
0
           
MFS®/Sun Life Government Securities Series S Class
04
2006
11.3155
11.5567
374,061
MFS®/Sun Life Government Securities Series S Class
04
2005
11.2386
11.3155
463,005
MFS®/Sun Life Government Securities Series S Class
04
2004
10.9966
11.2386
529,437
MFS®/Sun Life Government Securities Series S Class
04
2003
10.9370
10.9966
679,618
MFS®/Sun Life Government Securities Series S Class
04
2002
10.1184
10.9370
862,933
MFS®/Sun Life Government Securities Series S Class
04
2001
10.0000
10.1184
187,842
           
MFS®/Sun Life Government Securities Series S Class
05
2006
11.2657
11.4942
429,172
MFS®/Sun Life Government Securities Series S Class
05
2005
11.2005
11.2657
458,504
MFS®/Sun Life Government Securities Series S Class
05
2004
10.9705
11.2005
496,683
MFS®/Sun Life Government Securities Series S Class
05
2003
10.9221
10.9705
586,861
MFS®/Sun Life Government Securities Series S Class
05
2002
10.1149
10.9221
679,375
MFS®/Sun Life Government Securities Series S Class
05
2001
10.0000
10.1149
208,275
           
MFS®/Sun Life Government Securities Series S Class
06
2006
11.1915
11.4011
625,881
MFS®/Sun Life Government Securities Series S Class
06
2005
11.1436
11.1915
714,681
MFS®/Sun Life Government Securities Series S Class
06
2004
10.9314
11.1436
783,397
MFS®/Sun Life Government Securities Series S Class
06
2003
10.8997
10.9314
903,437
MFS®/Sun Life Government Securities Series S Class
06
2002
10.1096
10.8997
1,121,336
MFS®/Sun Life Government Securities Series S Class
06
2001
10.0000
10.1096
242,126
           
MFS®/Sun Life High Yield Series
01
2006
12.4167
13.5704
25,220
MFS®/Sun Life High Yield Series
01
2005
12.2725
12.4167
24,493
MFS®/Sun Life High Yield Series
01
2004
11.3166
12.2725
23,169
MFS®/Sun Life High Yield Series
01
2003
9.4127
11.3166
28,182
MFS®/Sun Life High Yield Series
01
2002
9.2578
9.4127
60,005
MFS®/Sun Life High Yield Series
01
2001
9.1906
9.2578
83,541
MFS®/Sun Life High Yield Series
01
2000
10.0000
9.1906
0
           
MFS®/Sun Life High Yield Series
02
2006
12.3145
13.4383
393,588
MFS®/Sun Life High Yield Series
02
2005
12.1899
12.3145
468,699
MFS®/Sun Life High Yield Series
02
2004
11.2576
12.1899
564,160
MFS®/Sun Life High Yield Series
02
2003
9.3778
11.2576
663,798
MFS®/Sun Life High Yield Series
02
2002
9.2375
9.3778
649,634
MFS®/Sun Life High Yield Series
02
2001
9.1844
9.2375
734,017
MFS®/Sun Life High Yield Series
02
2000
10.0000
9.1844
112,132
           
MFS®/Sun Life High Yield Series
03
2006
12.2469
13.3511
78,280
MFS®/Sun Life High Yield Series
03
2005
12.1352
12.2469
81,778
MFS®/Sun Life High Yield Series
03
2004
11.2185
12.1352
90,233
MFS®/Sun Life High Yield Series
03
2003
9.3547
11.2185
72,234
MFS®/Sun Life High Yield Series
03
2002
9.2240
9.3547
50,291
MFS®/Sun Life High Yield Series
03
2001
9.1804
9.2240
47,866
MFS®/Sun Life High Yield Series
03
2000
10.0000
9.1804
25,020
           
MFS®/Sun Life High Yield Series
04
2006
12.2131
13.3076
450,234
MFS®/Sun Life High Yield Series
04
2005
12.1079
12.2131
511,437
MFS®/Sun Life High Yield Series
04
2004
11.1989
12.1079
607,807
MFS®/Sun Life High Yield Series
04
2003
9.3431
11.1989
683,551
MFS®/Sun Life High Yield Series
04
2002
9.2173
9.3431
666,543
MFS®/Sun Life High Yield Series
04
2001
9.1783
9.2173
713,877
MFS®/Sun Life High Yield Series
04
2000
10.0000
9.1783
143,301
           
MFS®/Sun Life High Yield Series
05
2006
12.1458
13.2209
880,474
MFS®/Sun Life High Yield Series
05
2005
12.0534
12.1458
978,905
MFS®/Sun Life High Yield Series
05
2004
11.1598
12.0534
1,086,820
MFS®/Sun Life High Yield Series
05
2003
9.3199
11.1598
1,227,231
MFS®/Sun Life High Yield Series
05
2002
9.2037
9.3199
1,190,721
MFS®/Sun Life High Yield Series
05
2001
9.1742
9.2037
1,345,130
MFS®/Sun Life High Yield Series
05
2000
10.0000
9.1742
278,253
           
MFS®/Sun Life High Yield Series
06
2006
12.0457
13.0919
365,143
MFS®/Sun Life High Yield Series
06
2005
11.9721
12.0457
402,005
MFS®/Sun Life High Yield Series
06
2004
11.1015
11.9721
446,860
MFS®/Sun Life High Yield Series
06
2003
9.2853
11.1015
520,155
MFS®/Sun Life High Yield Series
06
2002
9.1836
9.2853
483,805
MFS®/Sun Life High Yield Series
06
2001
9.1681
9.1836
512,884
MFS®/Sun Life High Yield Series
06
2000
10.0000
9.1681
104,240
           
MFS®/Sun Life High Yield Series S Class
01
2006
13.1428
14.3185
9,616
MFS®/Sun Life High Yield Series S Class
01
2005
13.0232
13.1428
9,325
MFS®/Sun Life High Yield Series S Class
01
2004
12.0280
13.0232
8,190
MFS®/Sun Life High Yield Series S Class
01
2003
10.0237
12.0280
0
MFS®/Sun Life High Yield Series S Class
01
2002
9.8959
10.0237
0
MFS®/Sun Life High Yield Series S Class
01
2001
10.0000
9.8959
0
           
MFS®/Sun Life High Yield Series S Class
02
2006
13.0564
14.2029
239,338
MFS®/Sun Life High Yield Series S Class
02
2005
12.9572
13.0564
261,156
MFS®/Sun Life High Yield Series S Class
02
2004
11.9853
12.9572
309,681
MFS®/Sun Life High Yield Series S Class
02
2003
10.0032
11.9853
380,187
MFS®/Sun Life High Yield Series S Class
02
2002
9.8907
10.0032
335,352
MFS®/Sun Life High Yield Series S Class
02
2001
10.0000
9.8907
82,529
           
MFS®/Sun Life High Yield Series S Class
03
2006
12.9992
14.1264
0
MFS®/Sun Life High Yield Series S Class
03
2005
12.9134
12.9992
0
MFS®/Sun Life High Yield Series S Class
03
2004
11.9570
12.9134
0
MFS®/Sun Life High Yield Series S Class
03
2003
9.9897
11.9570
0
MFS®/Sun Life High Yield Series S Class
03
2002
9.8872
9.9897
0
MFS®/Sun Life High Yield Series S Class
03
2001
10.0000
9.8872
0
           
MFS®/Sun Life High Yield Series S Class
04
2006
12.9706
14.0882
172,104
MFS®/Sun Life High Yield Series S Class
04
2005
12.8915
12.9706
181,760
MFS®/Sun Life High Yield Series S Class
04
2004
11.9427
12.8915
204,317
MFS®/Sun Life High Yield Series S Class
04
2003
9.9828
11.9427
230,236
MFS®/Sun Life High Yield Series S Class
04
2002
9.8855
9.9828
213,921
MFS®/Sun Life High Yield Series S Class
04
2001
10.0000
9.8855
56,208
           
MFS®/Sun Life High Yield Series S Class
05
2006
12.9135
14.0120
194,009
MFS®/Sun Life High Yield Series S Class
05
2005
12.8478
12.9135
208,846
MFS®/Sun Life High Yield Series S Class
05
2004
11.9143
12.8478
263,671
MFS®/Sun Life High Yield Series S Class
05
2003
9.9692
11.9143
297,600
MFS®/Sun Life High Yield Series S Class
05
2002
9.8820
9.9692
268,307
MFS®/Sun Life High Yield Series S Class
05
2001
10.0000
9.8820
81,593
           
MFS®/Sun Life High Yield Series S Class
06
2006
12.8284
13.8986
318,228
MFS®/Sun Life High Yield Series S Class
06
2005
12.7825
12.8284
312,021
MFS®/Sun Life High Yield Series S Class
06
2004
11.8719
12.7825
367,812
MFS®/Sun Life High Yield Series S Class
06
2003
9.9488
11.8719
418,695
MFS®/Sun Life High Yield Series S Class
06
2002
9.8768
9.9488
340,346
MFS®/Sun Life High Yield Series S Class
06
2001
10.0000
9.8768
91,946
           
MFS®/Sun Life International Growth Series
01
2006
12.1633
15.1778
44,410
MFS®/Sun Life International Growth Series
01
2005
10.6916
12.1633
38,420
MFS®/Sun Life International Growth Series
01
2004
9.0801
10.6916
40,952
MFS®/Sun Life International Growth Series
01
2003
6.6142
9.0801
35,186
MFS®/Sun Life International Growth Series
01
2002
7.5824
6.6142
44,466
MFS®/Sun Life International Growth Series
01
2001
9.1062
7.5824
56,426
MFS®/Sun Life International Growth Series
01
2000
10.0000
9.1062
0
           
MFS®/Sun Life International Growth Series
02
2006
12.0631
15.0301
302,393
MFS®/Sun Life International Growth Series
02
2005
10.6196
12.0631
334,816
MFS®/Sun Life International Growth Series
02
2004
9.0327
10.6196
363,019
MFS®/Sun Life International Growth Series
02
2003
6.5897
9.0327
401,649
MFS®/Sun Life International Growth Series
02
2002
7.5658
6.5897
493,323
MFS®/Sun Life International Growth Series
02
2001
9.1002
7.5658
515,677
MFS®/Sun Life International Growth Series
02
2000
10.0000
9.1002
36,126
           
MFS®/Sun Life International Growth Series
03
2006
11.9969
14.9325
58,616
MFS®/Sun Life International Growth Series
03
2005
10.5720
11.9969
60,701
MFS®/Sun Life International Growth Series
03
2004
9.0013
10.5720
83,982
MFS®/Sun Life International Growth Series
03
2003
6.5734
9.0013
63,606
MFS®/Sun Life International Growth Series
03
2002
7.5547
6.5734
82,388
MFS®/Sun Life International Growth Series
03
2001
9.0961
7.5547
67,385
MFS®/Sun Life International Growth Series
03
2000
10.0000
9.0961
0
           
MFS®/Sun Life International Growth Series
04
2006
11.9638
14.8838
349,708
MFS®/Sun Life International Growth Series
04
2005
10.5482
11.9638
393,391
MFS®/Sun Life International Growth Series
04
2004
8.9855
10.5482
445,147
MFS®/Sun Life International Growth Series
04
2003
6.5652
8.9855
451,383
MFS®/Sun Life International Growth Series
04
2002
7.5492
6.5652
520,364
MFS®/Sun Life International Growth Series
04
2001
9.0941
7.5492
583,627
MFS®/Sun Life International Growth Series
04
2000
10.0000
9.0941
31,240
           
MFS®/Sun Life International Growth Series
05
2006
11.8979
14.7868
868,983
MFS®/Sun Life International Growth Series
05
2005
10.5007
11.8979
928,216
MFS®/Sun Life International Growth Series
05
2004
8.9542
10.5007
1,050,570
MFS®/Sun Life International Growth Series
05
2003
6.5490
8.9542
1,067,930
MFS®/Sun Life International Growth Series
05
2002
7.5381
6.5490
1,180,520
MFS®/Sun Life International Growth Series
05
2001
9.0901
7.5381
1,336,066
MFS®/Sun Life International Growth Series
05
2000
10.0000
9.0901
72,137
           
MFS®/Sun Life International Growth Series
06
2006
11.7997
14.6426
363,184
MFS®/Sun Life International Growth Series
06
2005
10.4298
11.7997
383,938
MFS®/Sun Life International Growth Series
06
2004
8.9073
10.4298
408,580
MFS®/Sun Life International Growth Series
06
2003
6.5246
8.9073
423,226
MFS®/Sun Life International Growth Series
06
2002
7.5215
6.5246
470,467
MFS®/Sun Life International Growth Series
06
2001
9.0840
7.5215
498,031
MFS®/Sun Life International Growth Series
06
2000
10.0000
9.0840
26,179
           
MFS®/Sun Life International Growth Series S Class
01
2006
15.1205
18.8252
7,486
MFS®/Sun Life International Growth Series S Class
01
2005
13.3243
15.1205
8,631
MFS®/Sun Life International Growth Series S Class
01
2004
11.3502
13.3243
8,794
MFS®/Sun Life International Growth Series S Class
01
2003
8.2865
11.3502
0
MFS®/Sun Life International Growth Series S Class
01
2002
9.5137
8.2865
0
MFS®/Sun Life International Growth Series S Class
01
2001
10.0000
9.5137
0
           
MFS®/Sun Life International Growth Series S Class
02
2006
15.0211
18.6731
114,533
MFS®/Sun Life International Growth Series S Class
02
2005
13.2567
15.0211
120,339
MFS®/Sun Life International Growth Series S Class
02
2004
11.3099
13.2567
146,689
MFS®/Sun Life International Growth Series S Class
02
2003
8.2695
11.3099
147,001
MFS®/Sun Life International Growth Series S Class
02
2002
9.5087
8.2695
134,517
MFS®/Sun Life International Growth Series S Class
02
2001
10.0000
9.5087
32,328
           
MFS®/Sun Life International Growth Series S Class
03
2006
14.9552
18.5725
0
MFS®/Sun Life International Growth Series S Class
03
2005
13.2119
14.9552
0
MFS®/Sun Life International Growth Series S Class
03
2004
11.2831
13.2119
0
MFS®/Sun Life International Growth Series S Class
03
2003
8.2583
11.2831
0
MFS®/Sun Life International Growth Series S Class
03
2002
9.5053
8.2583
0
MFS®/Sun Life International Growth Series S Class
03
2001
10.0000
9.5053
0
           
MFS®/Sun Life International Growth Series S Class
04
2006
14.9223
18.5223
94,984
MFS®/Sun Life International Growth Series S Class
04
2005
13.1895
14.9223
106,725
MFS®/Sun Life International Growth Series S Class
04
2004
11.2697
13.1895
121,548
MFS®/Sun Life International Growth Series S Class
04
2003
8.2526
11.2697
114,783
MFS®/Sun Life International Growth Series S Class
04
2002
9.5036
8.2526
112,015
MFS®/Sun Life International Growth Series S Class
04
2001
10.0000
9.5036
30,439
           
MFS®/Sun Life International Growth Series S Class
05
2006
14.8567
18.4221
77,014
MFS®/Sun Life International Growth Series S Class
05
2005
13.1447
14.8567
90,301
MFS®/Sun Life International Growth Series S Class
05
2004
11.2428
13.1447
101,353
MFS®/Sun Life International Growth Series S Class
05
2003
8.2414
11.2428
110,935
MFS®/Sun Life International Growth Series S Class
05
2002
9.5003
8.2414
139,637
MFS®/Sun Life International Growth Series S Class
05
2001
10.0000
9.5003
30,821
           
MFS®/Sun Life International Growth Series S Class
06
2006
14.7587
18.2729
153,072
MFS®/Sun Life International Growth Series S Class
06
2005
13.0779
14.7587
164,744
MFS®/Sun Life International Growth Series S Class
06
2004
11.2028
13.0779
187,883
MFS®/Sun Life International Growth Series S Class
06
2003
8.2245
11.2028
183,748
MFS®/Sun Life International Growth Series S Class
06
2002
9.4953
8.2245
177,115
MFS®/Sun Life International Growth Series S Class
06
2001
10.0000
9.4953
46,281
           
MFS®/Sun Life International Value Series
01
2006
14.4590
18.4986
18,857
MFS®/Sun Life International Value Series
01
2005
12.6757
14.4590
10,789
MFS®/Sun Life International Value Series
01
2004
10.0012
12.6757
10,789
MFS®/Sun Life International Value Series
01
2003
7.5600
10.0012
0
MFS®/Sun Life International Value Series
01
2002
8.1188
7.5600
0
MFS®/Sun Life International Value Series
01
2001
9.6013
8.1188
0
MFS®/Sun Life International Value Series
01
2000
10.0000
9.6013
9,690
           
MFS®/Sun Life International Value Series
02
2006
14.3406
18.3195
171,460
MFS®/Sun Life International Value Series
02
2005
12.5910
14.3406
163,252
MFS®/Sun Life International Value Series
02
2004
9.9495
12.5910
114,728
MFS®/Sun Life International Value Series
02
2003
7.5324
9.9495
89,267
MFS®/Sun Life International Value Series
02
2002
8.1014
7.5324
92,940
MFS®/Sun Life International Value Series
02
2001
9.5954
8.1014
103,771
MFS®/Sun Life International Value Series
02
2000
10.0000
9.5954
75,354
           
MFS®/Sun Life International Value Series
03
2006
14.2623
18.2011
10,265
MFS®/Sun Life International Value Series
03
2005
12.5349
14.2623
19,548
MFS®/Sun Life International Value Series
03
2004
9.9152
12.5349
19,529
MFS®/Sun Life International Value Series
03
2003
7.5140
9.9152
6,935
MFS®/Sun Life International Value Series
03
2002
8.0898
7.5140
553
MFS®/Sun Life International Value Series
03
2001
9.5914
8.0898
27,835
MFS®/Sun Life International Value Series
03
2000
10.0000
9.5914
19,952
           
MFS®/Sun Life International Value Series
04
2006
14.2232
18.1420
204,082
MFS®/Sun Life International Value Series
04
2005
12.5068
14.2232
197,723
MFS®/Sun Life International Value Series
04
2004
9.8981
12.5068
148,456
MFS®/Sun Life International Value Series
04
2003
7.5048
9.8981
101,023
MFS®/Sun Life International Value Series
04
2002
8.0840
7.5048
92,400
MFS®/Sun Life International Value Series
04
2001
9.5895
8.0840
90,371
MFS®/Sun Life International Value Series
04
2000
10.0000
9.5895
143,533
           
MFS®/Sun Life International Value Series
05
2006
14.1453
18.0244
426,597
MFS®/Sun Life International Value Series
05
2005
12.4509
14.1453
430,562
MFS®/Sun Life International Value Series
05
2004
9.8638
12.4509
328,177
MFS®/Sun Life International Value Series
05
2003
7.4864
9.8638
265,677
MFS®/Sun Life International Value Series
05
2002
8.0724
7.4864
230,237
MFS®/Sun Life International Value Series
05
2001
9.5855
8.0724
236,598
MFS®/Sun Life International Value Series
05
2000
10.0000
9.5855
395,096
           
MFS®/Sun Life International Value Series
06
2006
14.0292
17.8494
150,233
MFS®/Sun Life International Value Series
06
2005
12.3675
14.0292
142,308
MFS®/Sun Life International Value Series
06
2004
9.8127
12.3675
126,373
MFS®/Sun Life International Value Series
06
2003
7.4589
9.8127
89,944
MFS®/Sun Life International Value Series
06
2002
8.0550
7.4589
75,783
MFS®/Sun Life International Value Series
06
2001
9.5795
8.0550
88,192
MFS®/Sun Life International Value Series
06
2000
10.0000
9.5795
116,665
           
MFS®/Sun Life International Value Series S Class
01
2006
16.5765
21.1627
0
MFS®/Sun Life International Value Series S Class
01
2005
14.5680
16.5765
0
MFS®/Sun Life International Value Series S Class
01
2004
11.5196
14.5680
0
MFS®/Sun Life International Value Series S Class
01
2003
8.7358
11.5196
0
MFS®/Sun Life International Value Series S Class
01
2002
9.3834
8.7358
0
MFS®/Sun Life International Value Series S Class
01
2001
10.0000
9.3834
0
           
MFS®/Sun Life International Value Series S Class
02
2006
16.4675
20.9917
47,041
MFS®/Sun Life International Value Series S Class
02
2005
14.4941
16.4675
45,280
MFS®/Sun Life International Value Series S Class
02
2004
11.4786
14.4941
32,060
MFS®/Sun Life International Value Series S Class
02
2003
8.7179
11.4786
34,051
MFS®/Sun Life International Value Series S Class
02
2002
9.3785
8.7179
27,487
MFS®/Sun Life International Value Series S Class
02
2001
10.0000
9.3785
935
           
MFS®/Sun Life International Value Series S Class
03
2006
16.3953
20.8787
0
MFS®/Sun Life International Value Series S Class
03
2005
14.4451
16.3953
0
MFS®/Sun Life International Value Series S Class
03
2004
11.4514
14.4451
0
MFS®/Sun Life International Value Series S Class
03
2003
8.7061
11.4514
0
MFS®/Sun Life International Value Series S Class
03
2002
9.3752
8.7061
0
MFS®/Sun Life International Value Series S Class
03
2001
10.0000
9.3752
0
           
MFS®/Sun Life International Value Series S Class
04
2006
16.3592
20.8222
45,895
MFS®/Sun Life International Value Series S Class
04
2005
14.4206
16.3592
35,331
MFS®/Sun Life International Value Series S Class
04
2004
11.4378
14.4206
23,283
MFS®/Sun Life International Value Series S Class
04
2003
8.7001
11.4378
15,234
MFS®/Sun Life International Value Series S Class
04
2002
9.3735
8.7001
8,018
MFS®/Sun Life International Value Series S Class
04
2001
10.0000
9.3735
1,282
           
MFS®/Sun Life International Value Series S Class
05
2006
16.2872
20.7096
29,139
MFS®/Sun Life International Value Series S Class
05
2005
14.3717
16.2872
24,855
MFS®/Sun Life International Value Series S Class
05
2004
11.4106
14.3717
18,984
MFS®/Sun Life International Value Series S Class
05
2003
8.6882
11.4106
14,544
MFS®/Sun Life International Value Series S Class
05
2002
9.3702
8.6882
6,025
MFS®/Sun Life International Value Series S Class
05
2001
10.0000
9.3702
441
           
MFS®/Sun Life International Value Series S Class
06
2006
16.1799
20.5419
69,502
MFS®/Sun Life International Value Series S Class
06
2005
14.2986
16.1799
59,546
MFS®/Sun Life International Value Series S Class
06
2004
11.3699
14.2986
48,450
MFS®/Sun Life International Value Series S Class
06
2003
8.6704
11.3699
21,759
MFS®/Sun Life International Value Series S Class
06
2002
9.3653
8.6704
19,212
MFS®/Sun Life International Value Series S Class
06
2001
10.0000
9.3653
2,235
           
MFS®/Sun Life Massachusetts Investors Growth Series
01
2006
6.3210
6.7377
56,957
MFS®/Sun Life Massachusetts Investors Growth Series
01
2005
6.1172
6.3210
56,957
MFS®/Sun Life Massachusetts Investors Growth Series
01
2004
5.6375
6.1172
56,957
MFS®/Sun Life Massachusetts Investors Growth Series
01
2003
4.6150
5.6375
56,957
MFS®/Sun Life Massachusetts Investors Growth Series
01
2002
6.4797
4.6150
100,114
MFS®/Sun Life Massachusetts Investors Growth Series
01
2001
8.7153
6.4797
106,297
MFS®/Sun Life Massachusetts Investors Growth Series
01
2000
10.0000
8.7153
41,788
           
MFS®/Sun Life Massachusetts Investors Growth Series
02
2006
6.2690
6.6721
1,525,155
MFS®/Sun Life Massachusetts Investors Growth Series
02
2005
6.0760
6.2690
1,621,469
MFS®/Sun Life Massachusetts Investors Growth Series
02
2004
5.6080
6.0760
1,852,691
MFS®/Sun Life Massachusetts Investors Growth Series
02
2003
4.5979
5.6080
2,091,078
MFS®/Sun Life Massachusetts Investors Growth Series
02
2002
6.4655
4.5979
2,228,096
MFS®/Sun Life Massachusetts Investors Growth Series
02
2001
8.7094
6.4655
2,636,139
MFS®/Sun Life Massachusetts Investors Growth Series
02
2000
10.0000
8.7094
825,447
           
MFS®/Sun Life Massachusetts Investors Growth Series
03
2006
6.3012
6.6997
174,518
MFS®/Sun Life Massachusetts Investors Growth Series
03
2005
6.1135
6.3012
255,908
MFS®/Sun Life Massachusetts Investors Growth Series
03
2004
5.6483
6.1135
285,847
MFS®/Sun Life Massachusetts Investors Growth Series
03
2003
4.6356
5.6483
460,872
MFS®/Sun Life Massachusetts Investors Growth Series
03
2002
6.5251
4.6356
444,541
MFS®/Sun Life Massachusetts Investors Growth Series
03
2001
8.7987
6.5251
494,984
MFS®/Sun Life Massachusetts Investors Growth Series
03
2000
10.0000
8.7987
147,610
           
MFS®/Sun Life Massachusetts Investors Growth Series
04
2006
6.2173
6.6071
1,998,805
MFS®/Sun Life Massachusetts Investors Growth Series
04
2005
6.0351
6.2173
2,356,316
MFS®/Sun Life Massachusetts Investors Growth Series
04
2004
5.5787
6.0351
3,047,723
MFS®/Sun Life Massachusetts Investors Growth Series
04
2003
4.5808
5.5787
3,412,410
MFS®/Sun Life Massachusetts Investors Growth Series
04
2002
6.4512
4.5808
3,545,907
MFS®/Sun Life Massachusetts Investors Growth Series
04
2001
8.7036
6.4512
4,369,839
MFS®/Sun Life Massachusetts Investors Growth Series
04
2000
10.0000
8.7036
1,222,281
           
MFS®/Sun Life Massachusetts Investors Growth Series
05
2006
6.1830
6.5640
4,619,671
MFS®/Sun Life Massachusetts Investors Growth Series
05
2005
6.0078
6.1830
5,377,332
MFS®/Sun Life Massachusetts Investors Growth Series
05
2004
5.5592
6.0078
6,238,492
MFS®/Sun Life Massachusetts Investors Growth Series
05
2003
4.5694
5.5592
7,039,270
MFS®/Sun Life Massachusetts Investors Growth Series
05
2002
6.4418
4.5694
7,600,871
MFS®/Sun Life Massachusetts Investors Growth Series
05
2001
8.6997
6.4418
8,975,003
MFS®/Sun Life Massachusetts Investors Growth Series
05
2000
10.0000
8.6997
3,410,945
           
MFS®/Sun Life Massachusetts Investors Growth Series
06
2006
6.1319
6.4999
1,467,452
MFS®/Sun Life Massachusetts Investors Growth Series
06
2005
5.9672
6.1319
1,677,685
MFS®/Sun Life Massachusetts Investors Growth Series
06
2004
5.5301
5.9672
1,896,782
MFS®/Sun Life Massachusetts Investors Growth Series
06
2003
4.5524
5.5301
2,129,544
MFS®/Sun Life Massachusetts Investors Growth Series
06
2002
6.4275
4.5524
2,217,096
MFS®/Sun Life Massachusetts Investors Growth Series
06
2001
8.6939
6.4275
2,735,366
MFS®/Sun Life Massachusetts Investors Growth Series
06
2000
10.0000
8.6939
835,704
           
MFS®/Sun Life Massachusetts Investors Growth Series S Class
01
2006
9.4532
10.0529
9,668
MFS®/Sun Life Massachusetts Investors Growth Series S Class
01
2005
9.1675
9.4532
22,783
MFS®/Sun Life Massachusetts Investors Growth Series S Class
01
2004
8.4680
9.1675
30,216
MFS®/Sun Life Massachusetts Investors Growth Series S Class
01
2003
6.9628
8.4680
32,727
MFS®/Sun Life Massachusetts Investors Growth Series S Class
01
2002
9.7841
6.9628
25,610
MFS®/Sun Life Massachusetts Investors Growth Series S Class
01
2001
10.0000
9.7841
0
           
MFS®/Sun Life Massachusetts Investors Growth Series S Class
02
2006
9.3910
9.9717
353,837
MFS®/Sun Life Massachusetts Investors Growth Series S Class
02
2005
9.1210
9.3910
405,299
MFS®/Sun Life Massachusetts Investors Growth Series S Class
02
2004
8.4379
9.1210
440,008
MFS®/Sun Life Massachusetts Investors Growth Series S Class
02
2003
6.9485
8.4379
484,851
MFS®/Sun Life Massachusetts Investors Growth Series S Class
02
2002
9.7790
6.9485
474,378
MFS®/Sun Life Massachusetts Investors Growth Series S Class
02
2001
10.0000
9.7790
127,984
           
MFS®/Sun Life Massachusetts Investors Growth Series S Class
03
2006
9.3499
9.9180
0
MFS®/Sun Life Massachusetts Investors Growth Series S Class
03
2005
9.0902
9.3499
0
MFS®/Sun Life Massachusetts Investors Growth Series S Class
03
2004
8.4179
9.0902
0
MFS®/Sun Life Massachusetts Investors Growth Series S Class
03
2003
6.9391
8.4179
0
MFS®/Sun Life Massachusetts Investors Growth Series S Class
03
2002
9.7756
6.9391
0
MFS®/Sun Life Massachusetts Investors Growth Series S Class
03
2001
10.0000
9.7756
0
           
MFS®/Sun Life Massachusetts Investors Growth Series S Class
04
2006
9.3293
9.8911
297,468
MFS®/Sun Life Massachusetts Investors Growth Series S Class
04
2005
9.0747
9.3293
327,400
MFS®/Sun Life Massachusetts Investors Growth Series S Class
04
2004
8.4079
9.0747
369,707
MFS®/Sun Life Massachusetts Investors Growth Series S Class
04
2003
6.9343
8.4079
420,037
MFS®/Sun Life Massachusetts Investors Growth Series S Class
04
2002
9.7738
6.9343
398,428
MFS®/Sun Life Massachusetts Investors Growth Series S Class
04
2001
10.0000
9.7738
136,909
           
MFS®/Sun Life Massachusetts Investors Growth Series S Class
05
2006
9.2882
9.8376
283,344
MFS®/Sun Life Massachusetts Investors Growth Series S Class
05
2005
9.0439
9.2882
331,368
MFS®/Sun Life Massachusetts Investors Growth Series S Class
05
2004
8.3879
9.0439
383,120
MFS®/Sun Life Massachusetts Investors Growth Series S Class
05
2003
6.9248
8.3879
400,408
MFS®/Sun Life Massachusetts Investors Growth Series S Class
05
2002
9.7704
6.9248
392,836
MFS®/Sun Life Massachusetts Investors Growth Series S Class
05
2001
10.0000
9.7704
119,150
           
MFS®/Sun Life Massachusetts Investors Growth Series S Class
06
2006
9.2270
9.7579
484,106
MFS®/Sun Life Massachusetts Investors Growth Series S Class
06
2005
8.9979
9.2270
560,673
MFS®/Sun Life Massachusetts Investors Growth Series S Class
06
2004
8.3579
8.9979
630,417
MFS®/Sun Life Massachusetts Investors Growth Series S Class
06
2003
6.9106
8.3579
722,103
MFS®/Sun Life Massachusetts Investors Growth Series S Class
06
2002
9.7653
6.9106
587,666
MFS®/Sun Life Massachusetts Investors Growth Series S Class
06
2001
10.0000
9.7653
180,720
           
MFS®/Sun Life Massachusetts Investors Trust Series
01
2006
9.0996
10.2074
147,133
MFS®/Sun Life Massachusetts Investors Trust Series
01
2005
8.5338
9.0996
149,573
MFS®/Sun Life Massachusetts Investors Trust Series
01
2004
7.6975
8.5338
151,636
MFS®/Sun Life Massachusetts Investors Trust Series
01
2003
6.3299
7.6975
133,694
MFS®/Sun Life Massachusetts Investors Trust Series
01
2002
8.1167
6.3299
143,884
MFS®/Sun Life Massachusetts Investors Trust Series
01
2001
9.7298
8.1167
169,670
MFS®/Sun Life Massachusetts Investors Trust Series
01
2000
10.0000
9.7298
0
           
MFS®/Sun Life Massachusetts Investors Trust Series
02
2006
9.0247
10.1080
1,688,612
MFS®/Sun Life Massachusetts Investors Trust Series
02
2005
8.4763
9.0247
1,960,620
MFS®/Sun Life Massachusetts Investors Trust Series
02
2004
7.6573
8.4763
2,272,434
MFS®/Sun Life Massachusetts Investors Trust Series
02
2003
6.3064
7.6573
2,500,230
MFS®/Sun Life Massachusetts Investors Trust Series
02
2002
8.0989
6.3064
2,738,808
MFS®/Sun Life Massachusetts Investors Trust Series
02
2001
9.7233
8.0989
2,859,591
MFS®/Sun Life Massachusetts Investors Trust Series
02
2000
10.0000
9.7233
662,105
           
MFS®/Sun Life Massachusetts Investors Trust Series
03
2006
8.9751
10.0423
130,294
MFS®/Sun Life Massachusetts Investors Trust Series
03
2005
8.4382
8.9751
135,995
MFS®/Sun Life Massachusetts Investors Trust Series
03
2004
7.6306
8.4382
134,418
MFS®/Sun Life Massachusetts Investors Trust Series
03
2003
6.2908
7.6306
196,418
MFS®/Sun Life Massachusetts Investors Trust Series
03
2002
8.0871
6.2908
251,705
MFS®/Sun Life Massachusetts Investors Trust Series
03
2001
9.7190
8.0871
287,352
MFS®/Sun Life Massachusetts Investors Trust Series
03
2000
10.0000
9.7190
106,576
           
MFS®/Sun Life Massachusetts Investors Trust Series
04
2006
8.9503
10.0095
1,880,173
MFS®/Sun Life Massachusetts Investors Trust Series
04
2005
8.4192
8.9503
2,104,263
MFS®/Sun Life Massachusetts Investors Trust Series
04
2004
7.6173
8.4192
2,472,605
MFS®/Sun Life Massachusetts Investors Trust Series
04
2003
6.2830
7.6173
2,710,295
MFS®/Sun Life Massachusetts Investors Trust Series
04
2002
8.0811
6.2830
2,993,671
MFS®/Sun Life Massachusetts Investors Trust Series
04
2001
9.7168
8.0811
3,238,308
MFS®/Sun Life Massachusetts Investors Trust Series
04
2000
10.0000
9.7168
744,449
           
MFS®/Sun Life Massachusetts Investors Trust Series
05
2006
8.9010
9.9443
4,177,886
MFS®/Sun Life Massachusetts Investors Trust Series
05
2005
8.3813
8.9010
4,703,546
MFS®/Sun Life Massachusetts Investors Trust Series
05
2004
7.5907
8.3813
5,259,870
MFS®/Sun Life Massachusetts Investors Trust Series
05
2003
6.2674
7.5907
5,757,625
MFS®/Sun Life Massachusetts Investors Trust Series
05
2002
8.0693
6.2674
6,256,339
MFS®/Sun Life Massachusetts Investors Trust Series
05
2001
9.7124
8.0693
7,010,803
MFS®/Sun Life Massachusetts Investors Trust Series
05
2000
10.0000
9.7124
1,982,246
           
MFS®/Sun Life Massachusetts Investors Trust Series
06
2006
8.8275
9.8472
1,606,251
MFS®/Sun Life Massachusetts Investors Trust Series
06
2005
8.3247
8.8275
1,847,543
MFS®/Sun Life Massachusetts Investors Trust Series
06
2004
7.5509
8.3247
2,133,775
MFS®/Sun Life Massachusetts Investors Trust Series
06
2003
6.2440
7.5509
2,342,416
MFS®/Sun Life Massachusetts Investors Trust Series
06
2002
8.0515
6.2440
2,414,054
MFS®/Sun Life Massachusetts Investors Trust Series
06
2001
9.7059
8.0515
2,739,233
MFS®/Sun Life Massachusetts Investors Trust Series
06
2000
10.0000
9.7059
623,357
           
MFS®/Sun Life Massachusetts Investors Trust Series S Class
01
2006
10.7421
12.0218
24,185
MFS®/Sun Life Massachusetts Investors Trust Series S Class
01
2005
10.1010
10.7421
25,026
MFS®/Sun Life Massachusetts Investors Trust Series S Class
01
2004
9.1313
10.1010
24,039
MFS®/Sun Life Massachusetts Investors Trust Series S Class
01
2003
7.5324
9.1313
1,350
MFS®/Sun Life Massachusetts Investors Trust Series S Class
01
2002
9.6794
7.5324
1,382
MFS®/Sun Life Massachusetts Investors Trust Series S Class
01
2001
10.0000
9.6794
0
           
MFS®/Sun Life Massachusetts Investors Trust Series S Class
02
2006
10.6715
11.9247
560,748
MFS®/Sun Life Massachusetts Investors Trust Series S Class
02
2005
10.0497
10.6715
625,404
MFS®/Sun Life Massachusetts Investors Trust Series S Class
02
2004
9.0988
10.0497
711,492
MFS®/Sun Life Massachusetts Investors Trust Series S Class
02
2003
7.5170
9.0988
746,877
MFS®/Sun Life Massachusetts Investors Trust Series S Class
02
2002
9.6743
7.5170
723,444
MFS®/Sun Life Massachusetts Investors Trust Series S Class
02
2001
10.0000
9.6743
208,906
           
MFS®/Sun Life Massachusetts Investors Trust Series S Class
03
2006
10.6247
11.8604
0
MFS®/Sun Life Massachusetts Investors Trust Series S Class
03
2005
10.0157
10.6247
0
MFS®/Sun Life Massachusetts Investors Trust Series S Class
03
2004
9.0772
10.0157
0
MFS®/Sun Life Massachusetts Investors Trust Series S Class
03
2003
7.5068
9.0772
0
MFS®/Sun Life Massachusetts Investors Trust Series S Class
03
2002
9.6709
7.5068
0
MFS®/Sun Life Massachusetts Investors Trust Series S Class
03
2001
10.0000
9.6709
0
           
MFS®/Sun Life Massachusetts Investors Trust Series S Class
04
2006
10.6013
11.8283
437,794
MFS®/Sun Life Massachusetts Investors Trust Series S Class
04
2005
9.9987
10.6013
529,631
MFS®/Sun Life Massachusetts Investors Trust Series S Class
04
2004
9.0664
9.9987
582,998
MFS®/Sun Life Massachusetts Investors Trust Series S Class
04
2003
7.5016
9.0664
608,075
MFS®/Sun Life Massachusetts Investors Trust Series S Class
04
2002
9.6692
7.5016
600,012
MFS®/Sun Life Massachusetts Investors Trust Series S Class
04
2001
10.0000
9.6692
153,154
           
MFS®/Sun Life Massachusetts Investors Trust Series S Class
05
2006
10.5546
11.7644
461,051
MFS®/Sun Life Massachusetts Investors Trust Series S Class
05
2005
9.9648
10.5546
509,479
MFS®/Sun Life Massachusetts Investors Trust Series S Class
05
2004
9.0449
9.9648
568,430
MFS®/Sun Life Massachusetts Investors Trust Series S Class
05
2003
7.4914
9.0449
615,935
MFS®/Sun Life Massachusetts Investors Trust Series S Class
05
2002
9.6658
7.4914
662,683
MFS®/Sun Life Massachusetts Investors Trust Series S Class
05
2001
10.0000
9.6658
209,644
           
MFS®/Sun Life Massachusetts Investors Trust Series S Class
06
2006
10.4850
11.6691
686,426
MFS®/Sun Life Massachusetts Investors Trust Series S Class
06
2005
9.9141
10.4850
778,230
MFS®/Sun Life Massachusetts Investors Trust Series S Class
06
2004
9.0126
9.9141
853,474
MFS®/Sun Life Massachusetts Investors Trust Series S Class
06
2003
7.4760
9.0126
928,277
MFS®/Sun Life Massachusetts Investors Trust Series S Class
06
2002
9.6607
7.4760
879,361
MFS®/Sun Life Massachusetts Investors Trust Series S Class
06
2001
10.0000
9.6607
283,243
           
MFS®/Sun Life Mid Cap Growth Series
01
2006
5.8203
5.8972
0
MFS®/Sun Life Mid Cap Growth Series
01
2005
5.7020
5.8203
0
MFS®/Sun Life Mid Cap Growth Series
01
2004
5.0249
5.7020
0
MFS®/Sun Life Mid Cap Growth Series
01
2003
3.6813
5.0249
0
MFS®/Sun Life Mid Cap Growth Series
01
2002
7.0372
3.6813
0
MFS®/Sun Life Mid Cap Growth Series
01
2001
9.2543
7.0372
0
MFS®/Sun Life Mid Cap Growth Series
01
2000
10.0000
9.2543
0
           
MFS®/Sun Life Mid Cap Growth Series
02
2006
5.7737
5.8410
431,320
MFS®/Sun Life Mid Cap Growth Series
02
2005
5.6648
5.7737
459,506
MFS®/Sun Life Mid Cap Growth Series
02
2004
4.9997
5.6648
461,018
MFS®/Sun Life Mid Cap Growth Series
02
2003
3.6684
4.9997
480,684
MFS®/Sun Life Mid Cap Growth Series
02
2002
7.0233
3.6684
395,585
MFS®/Sun Life Mid Cap Growth Series
02
2001
9.2502
7.0233
432,823
MFS®/Sun Life Mid Cap Growth Series
02
2000
10.0000
9.2502
34,282
           
MFS®/Sun Life Mid Cap Growth Series
03
2006
5.7428
5.8039
52,011
MFS®/Sun Life Mid Cap Growth Series
03
2005
5.6402
5.7428
139,075
MFS®/Sun Life Mid Cap Growth Series
03
2004
4.9830
5.6402
152,486
MFS®/Sun Life Mid Cap Growth Series
03
2003
3.6599
4.9830
178,258
MFS®/Sun Life Mid Cap Growth Series
03
2002
7.0141
3.6599
86,130
MFS®/Sun Life Mid Cap Growth Series
03
2001
9.2475
7.0141
166,380
MFS®/Sun Life Mid Cap Growth Series
03
2000
10.0000
9.2475
32,880
           
MFS®/Sun Life Mid Cap Growth Series
04
2006
5.7273
5.7854
617,836
MFS®/Sun Life Mid Cap Growth Series
04
2005
5.6279
5.7273
787,096
MFS®/Sun Life Mid Cap Growth Series
04
2004
4.9747
5.6279
953,545
MFS®/Sun Life Mid Cap Growth Series
04
2003
3.6556
4.9747
991,837
MFS®/Sun Life Mid Cap Growth Series
04
2002
7.0095
3.6556
765,488
MFS®/Sun Life Mid Cap Growth Series
04
2001
9.2461
7.0095
759,584
MFS®/Sun Life Mid Cap Growth Series
04
2000
10.0000
9.2461
135,289
           
MFS®/Sun Life Mid Cap Growth Series
05
2006
5.6966
5.7485
1,056,522
MFS®/Sun Life Mid Cap Growth Series
05
2005
5.6034
5.6966
1,256,731
MFS®/Sun Life Mid Cap Growth Series
05
2004
4.9580
5.6034
1,403,084
MFS®/Sun Life Mid Cap Growth Series
05
2003
3.6470
4.9580
1,359,098
MFS®/Sun Life Mid Cap Growth Series
05
2002
7.0002
3.6470
1,074,028
MFS®/Sun Life Mid Cap Growth Series
05
2001
9.2433
7.0002
1,086,103
MFS®/Sun Life Mid Cap Growth Series
05
2000
10.0000
9.2433
257,499
           
MFS®/Sun Life Mid Cap Growth Series
06
2006
5.6508
5.6936
449,606
MFS®/Sun Life Mid Cap Growth Series
06
2005
5.5667
5.6508
456,382
MFS®/Sun Life Mid Cap Growth Series
06
2004
4.9332
5.5667
528,517
MFS®/Sun Life Mid Cap Growth Series
06
2003
3.6342
4.9332
465,925
MFS®/Sun Life Mid Cap Growth Series
06
2002
6.9863
3.6342
394,996
MFS®/Sun Life Mid Cap Growth Series
06
2001
9.2392
6.9863
430,207
MFS®/Sun Life Mid Cap Growth Series
06
2000
10.0000
9.2392
44,338
           
MFS®/Sun Life Mid Cap Growth Series S Class
01
2006
7.9045
7.9974
6,904
MFS®/Sun Life Mid Cap Growth Series S Class
01
2005
7.7683
7.9045
8,292
MFS®/Sun Life Mid Cap Growth Series S Class
01
2004
6.8661
7.7683
10,253
MFS®/Sun Life Mid Cap Growth Series S Class
01
2003
5.0501
6.8661
12,869
MFS®/Sun Life Mid Cap Growth Series S Class
01
2002
9.6555
5.0501
23,575
MFS®/Sun Life Mid Cap Growth Series S Class
01
2001
10.0000
9.6555
0
           
MFS®/Sun Life Mid Cap Growth Series S Class
02
2006
7.8524
7.9328
265,180
MFS®/Sun Life Mid Cap Growth Series S Class
02
2005
7.7288
7.8524
265,474
MFS®/Sun Life Mid Cap Growth Series S Class
02
2004
6.8416
7.7288
312,839
MFS®/Sun Life Mid Cap Growth Series S Class
02
2003
5.0397
6.8416
365,969
MFS®/Sun Life Mid Cap Growth Series S Class
02
2002
9.6504
5.0397
334,570
MFS®/Sun Life Mid Cap Growth Series S Class
02
2001
10.0000
9.6504
68,340
           
MFS®/Sun Life Mid Cap Growth Series S Class
03
2006
7.8180
7.8900
0
MFS®/Sun Life Mid Cap Growth Series S Class
03
2005
7.7027
7.8180
0
MFS®/Sun Life Mid Cap Growth Series S Class
03
2004
6.8254
7.7027
0
MFS®/Sun Life Mid Cap Growth Series S Class
03
2003
5.0329
6.8254
0
MFS®/Sun Life Mid Cap Growth Series S Class
03
2002
9.6471
5.0329
0
MFS®/Sun Life Mid Cap Growth Series S Class
03
2001
10.0000
9.6471
0
           
MFS®/Sun Life Mid Cap Growth Series S Class
04
2006
7.8007
7.8686
197,615
MFS®/Sun Life Mid Cap Growth Series S Class
04
2005
7.6896
7.8007
209,972
MFS®/Sun Life Mid Cap Growth Series S Class
04
2004
6.8173
7.6896
235,067
MFS®/Sun Life Mid Cap Growth Series S Class
04
2003
5.0294
6.8173
223,375
MFS®/Sun Life Mid Cap Growth Series S Class
04
2002
9.6454
5.0294
218,224
MFS®/Sun Life Mid Cap Growth Series S Class
04
2001
10.0000
9.6454
58,436
           
MFS®/Sun Life Mid Cap Growth Series S Class
05
2006
7.7664
7.8261
184,970
MFS®/Sun Life Mid Cap Growth Series S Class
05
2005
7.6635
7.7664
222,110
MFS®/Sun Life Mid Cap Growth Series S Class
05
2004
6.8010
7.6635
266,087
MFS®/Sun Life Mid Cap Growth Series S Class
05
2003
5.0225
6.8010
289,552
MFS®/Sun Life Mid Cap Growth Series S Class
05
2002
9.6420
5.0225
296,162
MFS®/Sun Life Mid Cap Growth Series S Class
05
2001
10.0000
9.6420
73,829
           
MFS®/Sun Life Mid Cap Growth Series S Class
06
2006
7.7152
7.7627
231,398
MFS®/Sun Life Mid Cap Growth Series S Class
06
2005
7.6245
7.7152
282,688
MFS®/Sun Life Mid Cap Growth Series S Class
06
2004
6.7768
7.6245
358,960
MFS®/Sun Life Mid Cap Growth Series S Class
06
2003
5.0122
6.7768
413,368
MFS®/Sun Life Mid Cap Growth Series S Class
06
2002
9.6369
5.0122
375,432
MFS®/Sun Life Mid Cap Growth Series S Class
06
2001
10.0000
9.6369
97,209
           
MFS®/Sun Life Mid Cap Value Series S Class
01
2006
13.1823
14.4878
0
MFS®/Sun Life Mid Cap Value Series S Class
01
2005
12.3974
13.1823
0
MFS®/Sun Life Mid Cap Value Series S Class
01
2004
10.2857
12.3974
0
MFS®/Sun Life Mid Cap Value Series S Class
01
2003
7.8765
10.2857
0
MFS®/Sun Life Mid Cap Value Series S Class
01
2002
10.0000
7.8765
0
           
MFS®/Sun Life Mid Cap Value Series S Class
02
2006
13.1090
14.3855
39,287
MFS®/Sun Life Mid Cap Value Series S Class
02
2005
12.3471
13.1090
73,623
MFS®/Sun Life Mid Cap Value Series S Class
02
2004
10.2596
12.3471
69,805
MFS®/Sun Life Mid Cap Value Series S Class
02
2003
7.8685
10.2596
23,831
MFS®/Sun Life Mid Cap Value Series S Class
02
2002
10.0000
7.8685
11,063
           
MFS®/Sun Life Mid Cap Value Series S Class
03
2006
13.0604
14.3177
0
MFS®/Sun Life Mid Cap Value Series S Class
03
2005
12.3138
13.0604
0
MFS®/Sun Life Mid Cap Value Series S Class
03
2004
10.2423
12.3138
0
MFS®/Sun Life Mid Cap Value Series S Class
03
2003
7.8631
10.2423
0
MFS®/Sun Life Mid Cap Value Series S Class
03
2002
10.0000
7.8631
0
           
MFS®/Sun Life Mid Cap Value Series S Class
04
2006
13.0361
14.2839
22,723
MFS®/Sun Life Mid Cap Value Series S Class
04
2005
12.2971
13.0361
22,181
MFS®/Sun Life Mid Cap Value Series S Class
04
2004
10.2336
12.2971
15,132
MFS®/Sun Life Mid Cap Value Series S Class
04
2003
7.8605
10.2336
6,334
MFS®/Sun Life Mid Cap Value Series S Class
04
2002
10.0000
7.8605
380
           
MFS®/Sun Life Mid Cap Value Series S Class
05
2006
12.9877
14.2164
27,564
MFS®/Sun Life Mid Cap Value Series S Class
05
2005
12.2638
12.9877
17,105
MFS®/Sun Life Mid Cap Value Series S Class
05
2004
10.2163
12.2638
19,118
MFS®/Sun Life Mid Cap Value Series S Class
05
2003
7.8551
10.2163
13,380
MFS®/Sun Life Mid Cap Value Series S Class
05
2002
10.0000
7.8551
4,030
           
MFS®/Sun Life Mid Cap Value Series S Class
06
2006
12.9153
14.1157
68,056
MFS®/Sun Life Mid Cap Value Series S Class
06
2005
12.2140
12.9153
72,039
MFS®/Sun Life Mid Cap Value Series S Class
06
2004
10.1903
12.2140
52,662
MFS®/Sun Life Mid Cap Value Series S Class
06
2003
7.8470
10.1903
28,831
MFS®/Sun Life Mid Cap Value Series S Class
06
2002
10.0000
7.8470
3,925
           
MFS®/Sun Life Money Market Series
01
2006
10.6575
11.0359
68,175
MFS®/Sun Life Money Market Series
01
2005
10.4798
10.6575
15,914
MFS®/Sun Life Money Market Series
01
2004
10.4992
10.4798
15,914
MFS®/Sun Life Money Market Series
01
2003
10.5389
10.4992
95,047
MFS®/Sun Life Money Market Series
01
2002
10.5114
10.5389
155,666
MFS®/Sun Life Money Market Series
01
2001
10.2311
10.5114
79,558
MFS®/Sun Life Money Market Series
01
2000
10.0000
10.2311
16,332
           
MFS®/Sun Life Money Market Series
02
2006
10.5696
10.9284
470,450
MFS®/Sun Life Money Market Series
02
2005
10.4092
10.5696
494,513
MFS®/Sun Life Money Market Series
02
2004
10.4444
10.4092
571,103
MFS®/Sun Life Money Market Series
02
2003
10.4998
10.4444
686,478
MFS®/Sun Life Money Market Series
02
2002
10.4883
10.4998
993,214
MFS®/Sun Life Money Market Series
02
2001
10.2242
10.4883
1,040,145
MFS®/Sun Life Money Market Series
02
2000
10.0000
10.2242
156,253
           
MFS®/Sun Life Money Market Series
03
2006
10.5116
10.8574
12,103
MFS®/Sun Life Money Market Series
03
2005
10.3624
10.5116
10,781
MFS®/Sun Life Money Market Series
03
2004
10.4080
10.3624
79,067
MFS®/Sun Life Money Market Series
03
2003
10.4738
10.4080
34,522
MFS®/Sun Life Money Market Series
03
2002
10.4730
10.4738
36,712
MFS®/Sun Life Money Market Series
03
2001
10.2197
10.4730
123,279
MFS®/Sun Life Money Market Series
03
2000
10.0000
10.2197
0
           
MFS®/Sun Life Money Market Series
04
2006
10.4825
10.8220
436,329
MFS®/Sun Life Money Market Series
04
2005
10.3391
10.4825
451,628
MFS®/Sun Life Money Market Series
04
2004
10.3898
10.3391
439,703
MFS®/Sun Life Money Market Series
04
2003
10.4608
10.3898
641,288
MFS®/Sun Life Money Market Series
04
2002
10.4653
10.4608
1,204,430
MFS®/Sun Life Money Market Series
04
2001
10.2174
10.4653
960,391
MFS®/Sun Life Money Market Series
04
2000
10.0000
10.2174
136,521
           
MFS®/Sun Life Money Market Series
05
2006
10.4247
10.7514
837,499
MFS®/Sun Life Money Market Series
05
2005
10.2924
10.4247
871,103
MFS®/Sun Life Money Market Series
05
2004
10.3535
10.2924
988,142
MFS®/Sun Life Money Market Series
05
2003
10.4349
10.3535
1,435,343
MFS®/Sun Life Money Market Series
05
2002
10.4499
10.4349
2,229,770
MFS®/Sun Life Money Market Series
05
2001
10.2127
10.4499
1,927,332
MFS®/Sun Life Money Market Series
05
2000
10.0000
10.2127
324,280
           
MFS®/Sun Life Money Market Series
06
2006
10.3386
10.6464
488,418
MFS®/Sun Life Money Market Series
06
2005
10.2229
10.3386
514,552
MFS®/Sun Life Money Market Series
06
2004
10.2993
10.2229
608,476
MFS®/Sun Life Money Market Series
06
2003
10.3960
10.2993
672,274
MFS®/Sun Life Money Market Series
06
2002
10.4269
10.3960
1,078,038
MFS®/Sun Life Money Market Series
06
2001
10.2059
10.4269
1,066,254
MFS®/Sun Life Money Market Series
06
2000
10.0000
10.2059
204,046
           
MFS®/Sun Life Money Market Series S Class
01
2006
10.0776
10.4095
6,577
MFS®/Sun Life Money Market Series S Class
01
2005
9.9344
10.0776
10,136
MFS®/Sun Life Money Market Series S Class
01
2004
9.9777
9.9344
14,033
MFS®/Sun Life Money Market Series S Class
01
2003
10.0405
9.9777
17,847
MFS®/Sun Life Money Market Series S Class
01
2002
10.0392
10.0405
24,442
MFS®/Sun Life Money Market Series S Class
01
2001
10.0000
10.0392
0
           
MFS®/Sun Life Money Market Series S Class
02
2006
10.0113
10.3253
131,903
MFS®/Sun Life Money Market Series S Class
02
2005
9.8840
10.0113
156,675
MFS®/Sun Life Money Market Series S Class
02
2004
9.9422
9.8840
155,811
MFS®/Sun Life Money Market Series S Class
02
2003
10.0200
9.9422
271,380
MFS®/Sun Life Money Market Series S Class
02
2002
10.0340
10.0200
418,388
MFS®/Sun Life Money Market Series S Class
02
2001
10.0000
10.0340
191,267
           
MFS®/Sun Life Money Market Series S Class
03
2006
9.9675
10.2697
0
MFS®/Sun Life Money Market Series S Class
03
2005
9.8506
9.9675
0
MFS®/Sun Life Money Market Series S Class
03
2004
9.9187
9.8506
0
MFS®/Sun Life Money Market Series S Class
03
2003
10.0064
9.9187
0
MFS®/Sun Life Money Market Series S Class
03
2002
10.0305
10.0064
0
MFS®/Sun Life Money Market Series S Class
03
2001
10.0000
10.0305
0
           
MFS®/Sun Life Money Market Series S Class
04
2006
9.9455
10.2419
90,774
MFS®/Sun Life Money Market Series S Class
04
2005
9.8339
9.9455
104,239
MFS®/Sun Life Money Market Series S Class
04
2004
9.9069
9.8339
125,722
MFS®/Sun Life Money Market Series S Class
04
2003
9.9996
9.9069
164,909
MFS®/Sun Life Money Market Series S Class
04
2002
10.0287
9.9996
218,882
MFS®/Sun Life Money Market Series S Class
04
2001
10.0000
10.0287
49,528
           
MFS®/Sun Life Money Market Series S Class
05
2006
9.9018
10.1866
129,351
MFS®/Sun Life Money Market Series S Class
05
2005
9.8006
9.9018
144,880
MFS®/Sun Life Money Market Series S Class
05
2004
9.8834
9.8006
173,396
MFS®/Sun Life Money Market Series S Class
05
2003
9.9859
9.8834
279,830
MFS®/Sun Life Money Market Series S Class
05
2002
10.0252
9.9859
218,587
MFS®/Sun Life Money Market Series S Class
05
2001
10.0000
10.0252
141,647
           
MFS®/Sun Life Money Market Series S Class
06
2006
9.8365
10.1041
252,663
MFS®/Sun Life Money Market Series S Class
06
2005
9.7508
9.8365
249,504
MFS®/Sun Life Money Market Series S Class
06
2004
9.8482
9.7508
235,310
MFS®/Sun Life Money Market Series S Class
06
2003
9.9655
9.8482
289,189
MFS®/Sun Life Money Market Series S Class
06
2002
10.0199
9.9655
617,199
MFS®/Sun Life Money Market Series S Class
06
2001
10.0000
10.0199
130,909
           
MFS®/Sun Life New Discovery Series
01
2006
7.8983
8.8494
38,049
MFS®/Sun Life New Discovery Series
01
2005
7.5831
7.8983
53,443
MFS®/Sun Life New Discovery Series
01
2004
7.1264
7.5831
54,287
MFS®/Sun Life New Discovery Series
01
2003
5.3207
7.1264
40,136
MFS®/Sun Life New Discovery Series
01
2002
8.0770
5.3207
43,608
MFS®/Sun Life New Discovery Series
01
2001
8.5987
8.0770
50,623
MFS®/Sun Life New Discovery Series
01
2000
10.0000
8.5987
0
           
MFS®/Sun Life New Discovery Series
02
2006
7.8331
8.7631
647,495
MFS®/Sun Life New Discovery Series
02
2005
7.5319
7.8331
711,348
MFS®/Sun Life New Discovery Series
02
2004
7.0890
7.5319
787,454
MFS®/Sun Life New Discovery Series
02
2003
5.3008
7.0890
822,989
MFS®/Sun Life New Discovery Series
02
2002
8.0592
5.3008
901,138
MFS®/Sun Life New Discovery Series
02
2001
8.5929
8.0592
831,360
MFS®/Sun Life New Discovery Series
02
2000
10.0000
8.5929
228,703
           
MFS®/Sun Life New Discovery Series
03
2006
7.7900
8.7061
139,990
MFS®/Sun Life New Discovery Series
03
2005
7.4980
7.7900
150,848
MFS®/Sun Life New Discovery Series
03
2004
7.0643
7.4980
152,016
MFS®/Sun Life New Discovery Series
03
2003
5.2877
7.0643
206,314
MFS®/Sun Life New Discovery Series
03
2002
8.0473
5.2877
182,505
MFS®/Sun Life New Discovery Series
03
2001
8.5889
8.0473
152,692
MFS®/Sun Life New Discovery Series
03
2000
10.0000
8.5889
96,431
           
MFS®/Sun Life New Discovery Series
04
2006
7.7685
8.6776
537,575
MFS®/Sun Life New Discovery Series
04
2005
7.4810
7.7685
630,313
MFS®/Sun Life New Discovery Series
04
2004
7.0519
7.4810
765,837
MFS®/Sun Life New Discovery Series
04
2003
5.2811
7.0519
813,036
MFS®/Sun Life New Discovery Series
04
2002
8.0414
5.2811
834,639
MFS®/Sun Life New Discovery Series
04
2001
8.5870
8.0414
944,749
MFS®/Sun Life New Discovery Series
04
2000
10.0000
8.5870
333,331
           
MFS®/Sun Life New Discovery Series
05
2006
7.7255
8.6209
1,388,427
MFS®/Sun Life New Discovery Series
05
2005
7.4472
7.7255
1,603,535
MFS®/Sun Life New Discovery Series
05
2004
7.0272
7.4472
1,875,631
MFS®/Sun Life New Discovery Series
05
2003
5.2679
7.0272
1,960,188
MFS®/Sun Life New Discovery Series
05
2002
8.0295
5.2679
2,151,269
MFS®/Sun Life New Discovery Series
05
2001
8.5831
8.0295
2,219,924
MFS®/Sun Life New Discovery Series
05
2000
10.0000
8.5831
830,845
           
MFS®/Sun Life New Discovery Series
06
2006
7.6616
8.5367
585,474
MFS®/Sun Life New Discovery Series
06
2005
7.3968
7.6616
670,955
MFS®/Sun Life New Discovery Series
06
2004
6.9903
7.3968
755,691
MFS®/Sun Life New Discovery Series
06
2003
5.2482
6.9903
772,874
MFS®/Sun Life New Discovery Series
06
2002
8.0117
5.2482
858,897
MFS®/Sun Life New Discovery Series
06
2001
8.5772
8.0117
862,726
MFS®/Sun Life New Discovery Series
06
2000
10.0000
8.5772
274,903
           
MFS®/Sun Life New Discovery Series S Class
01
2006
9.9889
11.1646
14,837
MFS®/Sun Life New Discovery Series S Class
01
2005
9.6131
9.9889
15,770
MFS®/Sun Life New Discovery Series S Class
01
2004
9.0568
9.6131
15,136
MFS®/Sun Life New Discovery Series S Class
01
2003
6.7759
9.0568
2,713
MFS®/Sun Life New Discovery Series S Class
01
2002
10.3171
6.7759
8,240
MFS®/Sun Life New Discovery Series S Class
01
2001
10.0000
10.3171
0
           
MFS®/Sun Life New Discovery Series S Class
02
2006
9.9232
11.0744
247,748
MFS®/Sun Life New Discovery Series S Class
02
2005
9.5643
9.9232
265,460
MFS®/Sun Life New Discovery Series S Class
02
2004
9.0246
9.5643
297,705
MFS®/Sun Life New Discovery Series S Class
02
2003
6.7620
9.0246
308,150
MFS®/Sun Life New Discovery Series S Class
02
2002
10.3117
6.7620
300,895
MFS®/Sun Life New Discovery Series S Class
02
2001
10.0000
10.3117
61,550
           
MFS®/Sun Life New Discovery Series S Class
03
2006
9.8797
11.0147
0
MFS®/Sun Life New Discovery Series S Class
03
2005
9.5319
9.8797
0
MFS®/Sun Life New Discovery Series S Class
03
2004
9.0032
9.5319
0
MFS®/Sun Life New Discovery Series S Class
03
2003
6.7528
9.0032
0
MFS®/Sun Life New Discovery Series S Class
03
2002
10.3081
6.7528
0
MFS®/Sun Life New Discovery Series S Class
03
2001
10.0000
10.3081
0
           
MFS®/Sun Life New Discovery Series S Class
04
2006
9.8579
10.9849
155,954
MFS®/Sun Life New Discovery Series S Class
04
2005
9.5158
9.8579
185,129
MFS®/Sun Life New Discovery Series S Class
04
2004
8.9925
9.5158
211,385
MFS®/Sun Life New Discovery Series S Class
04
2003
6.7482
8.9925
196,675
MFS®/Sun Life New Discovery Series S Class
04
2002
10.3063
6.7482
185,652
MFS®/Sun Life New Discovery Series S Class
04
2001
10.0000
10.3063
54,538
           
MFS®/Sun Life New Discovery Series S Class
05
2006
9.8145
10.9255
148,804
MFS®/Sun Life New Discovery Series S Class
05
2005
9.4835
9.8145
161,614
MFS®/Sun Life New Discovery Series S Class
05
2004
8.9711
9.4835
200,261
MFS®/Sun Life New Discovery Series S Class
05
2003
6.7389
8.9711
207,764
MFS®/Sun Life New Discovery Series S Class
05
2002
10.3026
6.7389
228,753
MFS®/Sun Life New Discovery Series S Class
05
2001
10.0000
10.3026
55,436
           
MFS®/Sun Life New Discovery Series S Class
06
2006
9.7498
10.8370
284,239
MFS®/Sun Life New Discovery Series S Class
06
2005
9.4352
9.7498
315,113
MFS®/Sun Life New Discovery Series S Class
06
2004
8.9391
9.4352
332,182
MFS®/Sun Life New Discovery Series S Class
06
2003
6.7251
8.9391
354,100
MFS®/Sun Life New Discovery Series S Class
06
2002
10.2972
6.7251
322,636
MFS®/Sun Life New Discovery Series S Class
06
2001
10.0000
10.2972
90,756
           
MFS®/Sun Life Research International Series
01
2006
11.6846
14.7461
0
MFS®/Sun Life Research International Series
01
2005
10.1254
11.6846
0
MFS®/Sun Life Research International Series
01
2004
8.4389
10.1254
0
MFS®/Sun Life Research International Series
01
2003
6.3680
8.4389
0
MFS®/Sun Life Research International Series
01
2002
7.2666
6.3680
0
MFS®/Sun Life Research International Series
01
2001
8.9251
7.2666
0
MFS®/Sun Life Research International Series
01
2000
10.0000
8.9251
0
           
MFS®/Sun Life Research International Series
02
2006
11.5882
14.6023
314,721
MFS®/Sun Life Research International Series
02
2005
10.0570
11.5882
292,282
MFS®/Sun Life Research International Series
02
2004
8.3947
10.0570
295,629
MFS®/Sun Life Research International Series
02
2003
6.3442
8.3947
313,117
MFS®/Sun Life Research International Series
02
2002
7.2505
6.3442
344,106
MFS®/Sun Life Research International Series
02
2001
8.9190
7.2505
350,771
MFS®/Sun Life Research International Series
02
2000
10.0000
8.9190
147,311
           
MFS®/Sun Life Research International Series
03
2006
11.5244
14.5073
114,279
MFS®/Sun Life Research International Series
03
2005
10.0118
11.5244
113,913
MFS®/Sun Life Research International Series
03
2004
8.3654
10.0118
114,859
MFS®/Sun Life Research International Series
03
2003
6.3285
8.3654
108,984
MFS®/Sun Life Research International Series
03
2002
7.2398
6.3285
137,859
MFS®/Sun Life Research International Series
03
2001
8.9149
7.2398
140,166
MFS®/Sun Life Research International Series
03
2000
10.0000
8.9149
75,847
           
MFS®/Sun Life Research International Series
04
2006
11.4926
14.4599
293,496
MFS®/Sun Life Research International Series
04
2005
9.9891
11.4926
270,989
MFS®/Sun Life Research International Series
04
2004
8.3507
9.9891
291,474
MFS®/Sun Life Research International Series
04
2003
6.3206
8.3507
289,102
MFS®/Sun Life Research International Series
04
2002
7.2345
6.3206
313,175
MFS®/Sun Life Research International Series
04
2001
8.9129
7.2345
421,744
MFS®/Sun Life Research International Series
04
2000
10.0000
8.9129
160,450
           
MFS®/Sun Life Research International Series
05
2006
11.4291
14.3655
871,731
MFS®/Sun Life Research International Series
05
2005
9.9441
11.4291
889,565
MFS®/Sun Life Research International Series
05
2004
8.3215
9.9441
964,759
MFS®/Sun Life Research International Series
05
2003
6.3049
8.3215
891,768
MFS®/Sun Life Research International Series
05
2002
7.2238
6.3049
1,037,328
MFS®/Sun Life Research International Series
05
2001
8.9088
7.2238
1,130,011
MFS®/Sun Life Research International Series
05
2000
10.0000
8.9088
459,368
           
MFS®/Sun Life Research International Series
06
2006
11.3346
14.2251
232,659
MFS®/Sun Life Research International Series
06
2005
9.8768
11.3346
222,139
MFS®/Sun Life Research International Series
06
2004
8.2778
9.8768
242,633
MFS®/Sun Life Research International Series
06
2003
6.2813
8.2778
228,023
MFS®/Sun Life Research International Series
06
2002
7.2078
6.2813
240,893
MFS®/Sun Life Research International Series
06
2001
8.9027
7.2078
270,557
MFS®/Sun Life Research International Series
06
2000
10.0000
8.9027
113,049
           
MFS®/Sun Life Research International Series S Class
01
2006
15.0071
18.9066
10,195
MFS®/Sun Life Research International Series S Class
01
2005
13.0458
15.0071
0
MFS®/Sun Life Research International Series S Class
01
2004
10.8944
13.0458
0
MFS®/Sun Life Research International Series S Class
01
2003
8.2488
10.8944
0
MFS®/Sun Life Research International Series S Class
01
2002
9.4289
8.2488
0
MFS®/Sun Life Research International Series S Class
01
2001
10.0000
9.4289
0
           
MFS®/Sun Life Research International Series S Class
02
2006
14.9084
18.7539
72,971
MFS®/Sun Life Research International Series S Class
02
2005
12.9797
14.9084
62,908
MFS®/Sun Life Research International Series S Class
02
2004
10.8557
12.9797
65,095
MFS®/Sun Life Research International Series S Class
02
2003
8.2320
10.8557
63,566
MFS®/Sun Life Research International Series S Class
02
2002
9.4240
8.2320
66,801
MFS®/Sun Life Research International Series S Class
02
2001
10.0000
9.4240
19,725
           
MFS®/Sun Life Research International Series S Class
03
2006
14.8431
18.6529
0
MFS®/Sun Life Research International Series S Class
03
2005
12.9358
14.8431
0
MFS®/Sun Life Research International Series S Class
03
2004
10.8299
12.9358
0
MFS®/Sun Life Research International Series S Class
03
2003
8.2208
10.8299
0
MFS®/Sun Life Research International Series S Class
03
2002
9.4207
8.2208
0
MFS®/Sun Life Research International Series S Class
03
2001
10.0000
9.4207
0
           
MFS®/Sun Life Research International Series S Class
04
2006
14.8104
18.6024
56,175
MFS®/Sun Life Research International Series S Class
04
2005
12.9138
14.8104
49,089
MFS®/Sun Life Research International Series S Class
04
2004
10.8171
12.9138
49,898
MFS®/Sun Life Research International Series S Class
04
2003
8.2151
10.8171
47,960
MFS®/Sun Life Research International Series S Class
04
2002
9.4190
8.2151
51,543
MFS®/Sun Life Research International Series S Class
04
2001
10.0000
9.4190
16,135
           
MFS®/Sun Life Research International Series S Class
05
2006
14.7452
18.5019
49,450
MFS®/Sun Life Research International Series S Class
05
2005
12.8701
14.7452
54,907
MFS®/Sun Life Research International Series S Class
05
2004
10.7913
12.8701
45,407
MFS®/Sun Life Research International Series S Class
05
2003
8.2039
10.7913
44,321
MFS®/Sun Life Research International Series S Class
05
2002
9.4157
8.2039
42,071
MFS®/Sun Life Research International Series S Class
05
2001
10.0000
9.4157
20,121
           
MFS®/Sun Life Research International Series S Class
06
2006
14.6480
18.3520
81,846
MFS®/Sun Life Research International Series S Class
06
2005
12.8046
14.6480
90,862
MFS®/Sun Life Research International Series S Class
06
2004
10.7529
12.8046
109,294
MFS®/Sun Life Research International Series S Class
06
2003
8.1871
10.7529
101,340
MFS®/Sun Life Research International Series S Class
06
2002
9.4108
8.1871
100,324
MFS®/Sun Life Research International Series S Class
06
2001
10.0000
9.4108
33,370
           
MFS®/Sun Life Research Series
01
2006
7.7990
8.5363
0
MFS®/Sun Life Research Series
01
2005
7.2935
7.7990
0
MFS®/Sun Life Research Series
01
2004
6.3605
7.2935
0
MFS®/Sun Life Research Series
01
2003
5.1267
6.3605
0
MFS®/Sun Life Research Series
01
2002
6.9178
5.1267
0
MFS®/Sun Life Research Series
01
2001
8.8897
6.9178
0
MFS®/Sun Life Research Series
01
2000
10.0000
8.8897
0
           
MFS®/Sun Life Research Series
02
2006
7.7348
8.4532
510,829
MFS®/Sun Life Research Series
02
2005
7.2444
7.7348
579,190
MFS®/Sun Life Research Series
02
2004
6.3274
7.2444
666,854
MFS®/Sun Life Research Series
02
2003
5.1077
6.3274
717,774
MFS®/Sun Life Research Series
02
2002
6.9027
5.1077
795,644
MFS®/Sun Life Research Series
02
2001
8.8839
6.9027
861,345
MFS®/Sun Life Research Series
02
2000
10.0000
8.8839
287,774
           
MFS®/Sun Life Research Series
03
2006
7.6924
8.3984
96,121
MFS®/Sun Life Research Series
03
2005
7.2120
7.6924
104,130
MFS®/Sun Life Research Series
03
2004
6.3054
7.2120
110,781
MFS®/Sun Life Research Series
03
2003
5.0951
6.3054
148,142
MFS®/Sun Life Research Series
03
2002
6.8926
5.0951
148,700
MFS®/Sun Life Research Series
03
2001
8.8800
6.8926
147,430
MFS®/Sun Life Research Series
03
2000
10.0000
8.8800
136,123
           
MFS®/Sun Life Research Series
04
2006
7.6712
8.3710
601,929
MFS®/Sun Life Research Series
04
2005
7.1957
7.6712
689,941
MFS®/Sun Life Research Series
04
2004
6.2944
7.1957
782,681
MFS®/Sun Life Research Series
04
2003
5.0888
6.2944
874,612
MFS®/Sun Life Research Series
04
2002
6.8876
5.0888
982,767
MFS®/Sun Life Research Series
04
2001
8.8780
6.8876
1,230,426
MFS®/Sun Life Research Series
04
2000
10.0000
8.8780
474,565
           
MFS®/Sun Life Research Series
05
2006
7.6290
8.3165
1,286,842
MFS®/Sun Life Research Series
05
2005
7.1634
7.6290
1,505,554
MFS®/Sun Life Research Series
05
2004
6.2725
7.1634
1,674,690
MFS®/Sun Life Research Series
05
2003
5.0763
6.2725
1,880,715
MFS®/Sun Life Research Series
05
2002
6.8776
5.0763
2,050,835
MFS®/Sun Life Research Series
05
2001
8.8742
6.8776
2,382,899
MFS®/Sun Life Research Series
05
2000
10.0000
8.8742
1,097,956
           
MFS®/Sun Life Research Series
06
2006
7.5661
8.2355
505,030
MFS®/Sun Life Research Series
06
2005
7.1151
7.5661
587,383
MFS®/Sun Life Research Series
06
2004
6.2398
7.1151
657,509
MFS®/Sun Life Research Series
06
2003
5.0574
6.2398
744,065
MFS®/Sun Life Research Series
06
2002
6.8625
5.0574
783,524
MFS®/Sun Life Research Series
06
2001
8.8684
6.8625
967,476
MFS®/Sun Life Research Series
06
2000
10.0000
8.8684
377,470
           
MFS®/Sun Life Research Series S Class
01
2006
10.7749
11.7683
0
MFS®/Sun Life Research Series S Class
01
2005
10.1045
10.7749
0
MFS®/Sun Life Research Series S Class
01
2004
8.8341
10.1045
0
MFS®/Sun Life Research Series S Class
01
2003
7.1379
8.8341
0
MFS®/Sun Life Research Series S Class
01
2002
9.6588
7.1379
0
MFS®/Sun Life Research Series S Class
01
2001
10.0000
9.6588
0
           
MFS®/Sun Life Research Series S Class
02
2006
10.7041
11.6732
120,205
MFS®/Sun Life Research Series S Class
02
2005
10.0533
10.7041
138,780
MFS®/Sun Life Research Series S Class
02
2004
8.8027
10.0533
139,745
MFS®/Sun Life Research Series S Class
02
2003
7.1233
8.8027
150,722
MFS®/Sun Life Research Series S Class
02
2002
9.6537
7.1233
135,114
MFS®/Sun Life Research Series S Class
02
2001
10.0000
9.6537
49,443
           
MFS®/Sun Life Research Series S Class
03
2006
10.6571
11.6103
0
MFS®/Sun Life Research Series S Class
03
2005
10.0193
10.6571
0
MFS®/Sun Life Research Series S Class
03
2004
8.7818
10.0193
0
MFS®/Sun Life Research Series S Class
03
2003
7.1136
8.7818
0
MFS®/Sun Life Research Series S Class
03
2002
9.6503
7.1136
0
MFS®/Sun Life Research Series S Class
03
2001
10.0000
9.6503
0
           
MFS®/Sun Life Research Series S Class
04
2006
10.6337
11.5789
47,126
MFS®/Sun Life Research Series S Class
04
2005
10.0023
10.6337
53,780
MFS®/Sun Life Research Series S Class
04
2004
8.7714
10.0023
60,824
MFS®/Sun Life Research Series S Class
04
2003
7.1088
8.7714
59,931
MFS®/Sun Life Research Series S Class
04
2002
9.6486
7.1088
55,570
MFS®/Sun Life Research Series S Class
04
2001
10.0000
9.6486
13,838
           
MFS®/Sun Life Research Series S Class
05
2006
10.5869
11.5163
65,679
MFS®/Sun Life Research Series S Class
05
2005
9.9683
10.5869
81,295
MFS®/Sun Life Research Series S Class
05
2004
8.7505
9.9683
90,676
MFS®/Sun Life Research Series S Class
05
2003
7.0991
8.7505
88,134
MFS®/Sun Life Research Series S Class
05
2002
9.6452
7.0991
91,700
MFS®/Sun Life Research Series S Class
05
2001
10.0000
9.6452
34,917
           
MFS®/Sun Life Research Series S Class
06
2006
10.5171
11.4230
86,479
MFS®/Sun Life Research Series S Class
06
2005
9.9176
10.5171
111,640
MFS®/Sun Life Research Series S Class
06
2004
8.7193
9.9176
130,877
MFS®/Sun Life Research Series S Class
06
2003
7.0845
8.7193
129,237
MFS®/Sun Life Research Series S Class
06
2002
9.6402
7.0845
132,203
MFS®/Sun Life Research Series S Class
06
2001
10.0000
9.6402
35,256
           
MFS®/Sun Life Strategic Growth Series
01
2006
5.8695
6.1933
55,610
MFS®/Sun Life Strategic Growth Series
01
2005
5.8467
5.8695
55,610
MFS®/Sun Life Strategic Growth Series
01
2004
5.5286
5.8467
55,610
MFS®/Sun Life Strategic Growth Series
01
2003
4.3788
5.5286
82,417
MFS®/Sun Life Strategic Growth Series
01
2002
6.3278
4.3788
83,029
MFS®/Sun Life Strategic Growth Series
01
2001
8.4812
6.3278
82,700
MFS®/Sun Life Strategic Growth Series
01
2000
10.0000
8.4812
0
           
MFS®/Sun Life Strategic Growth Series
02
2006
5.8212
6.1331
233,053
MFS®/Sun Life Strategic Growth Series
02
2005
5.8075
5.8212
236,639
MFS®/Sun Life Strategic Growth Series
02
2004
5.4999
5.8075
263,245
MFS®/Sun Life Strategic Growth Series
02
2003
4.3627
5.4999
303,661
MFS®/Sun Life Strategic Growth Series
02
2002
6.3140
4.3627
303,300
MFS®/Sun Life Strategic Growth Series
02
2001
8.4757
6.3140
422,408
MFS®/Sun Life Strategic Growth Series
02
2000
10.0000
8.4757
135,296
           
MFS®/Sun Life Strategic Growth Series
03
2006
5.7893
6.0934
20,224
MFS®/Sun Life Strategic Growth Series
03
2005
5.7815
5.7893
37,710
MFS®/Sun Life Strategic Growth Series
03
2004
5.4808
5.7815
40,954
MFS®/Sun Life Strategic Growth Series
03
2003
4.3519
5.4808
50,246
MFS®/Sun Life Strategic Growth Series
03
2002
6.3048
4.3519
51,927
MFS®/Sun Life Strategic Growth Series
03
2001
8.4721
6.3048
53,513
MFS®/Sun Life Strategic Growth Series
03
2000
10.0000
8.4721
25,507
           
MFS®/Sun Life Strategic Growth Series
04
2006
5.7734
6.0735
308,645
MFS®/Sun Life Strategic Growth Series
04
2005
5.7685
5.7734
333,700
MFS®/Sun Life Strategic Growth Series
04
2004
5.4712
5.7685
412,274
MFS®/Sun Life Strategic Growth Series
04
2003
4.3465
5.4712
500,308
MFS®/Sun Life Strategic Growth Series
04
2002
6.3002
4.3465
449,571
MFS®/Sun Life Strategic Growth Series
04
2001
8.4702
6.3002
569,841
MFS®/Sun Life Strategic Growth Series
04
2000
10.0000
8.4702
261,952
           
MFS®/Sun Life Strategic Growth Series
05
2006
5.7416
6.0340
599,347
MFS®/Sun Life Strategic Growth Series
05
2005
5.7425
5.7416
775,988
MFS®/Sun Life Strategic Growth Series
05
2004
5.4522
5.7425
889,030
MFS®/Sun Life Strategic Growth Series
05
2003
4.3358
5.4522
957,361
MFS®/Sun Life Strategic Growth Series
05
2002
6.2911
4.3358
1,022,810
MFS®/Sun Life Strategic Growth Series
05
2001
8.4666
6.2911
1,322,478
MFS®/Sun Life Strategic Growth Series
05
2000
10.0000
8.4666
599,690
           
MFS®/Sun Life Strategic Growth Series
06
2006
5.6943
5.9752
195,913
MFS®/Sun Life Strategic Growth Series
06
2005
5.7039
5.6943
209,155
MFS®/Sun Life Strategic Growth Series
06
2004
5.4238
5.7039
277,064
MFS®/Sun Life Strategic Growth Series
06
2003
4.3198
5.4238
300,915
MFS®/Sun Life Strategic Growth Series
06
2002
6.2774
4.3198
304,685
MFS®/Sun Life Strategic Growth Series
06
2001
8.4611
6.2774
367,868
MFS®/Sun Life Strategic Growth Series
06
2000
10.0000
8.4611
136,093
           
MFS®/Sun Life Strategic Growth Series S Class
01
2006
8.9657
9.4419
0
MFS®/Sun Life Strategic Growth Series S Class
01
2005
8.9511
8.9657
0
MFS®/Sun Life Strategic Growth Series S Class
01
2004
8.4833
8.9511
5,954
MFS®/Sun Life Strategic Growth Series S Class
01
2003
6.7447
8.4833
5,954
MFS®/Sun Life Strategic Growth Series S Class
01
2002
9.7529
6.7447
5,954
MFS®/Sun Life Strategic Growth Series S Class
01
2001
10.0000
9.7529
0
           
MFS®/Sun Life Strategic Growth Series S Class
02
2006
8.9068
9.3656
45,465
MFS®/Sun Life Strategic Growth Series S Class
02
2005
8.9057
8.9068
60,971
MFS®/Sun Life Strategic Growth Series S Class
02
2004
8.4532
8.9057
80,528
MFS®/Sun Life Strategic Growth Series S Class
02
2003
6.7309
8.4532
80,260
MFS®/Sun Life Strategic Growth Series S Class
02
2002
9.7478
6.7309
66,770
MFS®/Sun Life Strategic Growth Series S Class
02
2001
10.0000
9.7478
21,985
           
MFS®/Sun Life Strategic Growth Series S Class
03
2006
8.8677
9.3151
0
MFS®/Sun Life Strategic Growth Series S Class
03
2005
8.8756
8.8677
0
MFS®/Sun Life Strategic Growth Series S Class
03
2004
8.4331
8.8756
0
MFS®/Sun Life Strategic Growth Series S Class
03
2003
6.7217
8.4331
0
MFS®/Sun Life Strategic Growth Series S Class
03
2002
9.7443
6.7217
0
MFS®/Sun Life Strategic Growth Series S Class
03
2001
10.0000
9.7443
0
           
MFS®/Sun Life Strategic Growth Series S Class
04
2006
8.8481
9.2899
35,739
MFS®/Sun Life Strategic Growth Series S Class
04
2005
8.8605
8.8481
45,288
MFS®/Sun Life Strategic Growth Series S Class
04
2004
8.4231
8.8605
59,789
MFS®/Sun Life Strategic Growth Series S Class
04
2003
6.7171
8.4231
64,115
MFS®/Sun Life Strategic Growth Series S Class
04
2002
9.7426
6.7171
55,272
MFS®/Sun Life Strategic Growth Series S Class
04
2001
10.0000
9.7426
19,052
           
MFS®/Sun Life Strategic Growth Series S Class
05
2006
8.8092
9.2396
75,378
MFS®/Sun Life Strategic Growth Series S Class
05
2005
8.8304
8.8092
83,102
MFS®/Sun Life Strategic Growth Series S Class
05
2004
8.4030
8.8304
90,929
MFS®/Sun Life Strategic Growth Series S Class
05
2003
6.7079
8.4030
78,869
MFS®/Sun Life Strategic Growth Series S Class
05
2002
9.7392
6.7079
71,839
MFS®/Sun Life Strategic Growth Series S Class
05
2001
10.0000
9.7392
23,520
           
MFS®/Sun Life Strategic Growth Series S Class
06
2006
8.7511
9.1648
71,411
MFS®/Sun Life Strategic Growth Series S Class
06
2005
8.7855
8.7511
87,497
MFS®/Sun Life Strategic Growth Series S Class
06
2004
8.3731
8.7855
93,975
MFS®/Sun Life Strategic Growth Series S Class
06
2003
6.6942
8.3731
125,280
MFS®/Sun Life Strategic Growth Series S Class
06
2002
9.7341
6.6942
109,601
MFS®/Sun Life Strategic Growth Series S Class
06
2001
10.0000
9.7341
29,775
           
MFS®/Sun Life Strategic Income Series
01
2006
13.1927
13.9376
0
MFS®/Sun Life Strategic Income Series
01
2005
13.0786
13.1927
0
MFS®/Sun Life Strategic Income Series
01
2004
12.2276
13.0786
0
MFS®/Sun Life Strategic Income Series
01
2003
10.9410
12.2276
0
MFS®/Sun Life Strategic Income Series
01
2002
10.2817
10.9410
0
MFS®/Sun Life Strategic Income Series
01
2001
10.0495
10.2817
24,506
MFS®/Sun Life Strategic Income Series
01
2000
10.0000
10.0495
0
           
MFS®/Sun Life Strategic Income Series
02
2006
13.0845
13.8024
135,954
MFS®/Sun Life Strategic Income Series
02
2005
12.9909
13.0845
156,874
MFS®/Sun Life Strategic Income Series
02
2004
12.1641
12.9909
158,087
MFS®/Sun Life Strategic Income Series
02
2003
10.9007
12.1641
166,494
MFS®/Sun Life Strategic Income Series
02
2002
10.2595
10.9007
153,378
MFS®/Sun Life Strategic Income Series
02
2001
10.0430
10.2595
162,361
MFS®/Sun Life Strategic Income Series
02
2000
10.0000
10.0430
28,461
           
MFS®/Sun Life Strategic Income Series
03
2006
13.0129
13.7130
65,317
MFS®/Sun Life Strategic Income Series
03
2005
12.9329
13.0129
64,818
MFS®/Sun Life Strategic Income Series
03
2004
12.1220
12.9329
68,460
MFS®/Sun Life Strategic Income Series
03
2003
10.8740
12.1220
83,758
MFS®/Sun Life Strategic Income Series
03
2002
10.2447
10.8740
97,924
MFS®/Sun Life Strategic Income Series
03
2001
10.0387
10.2447
28,890
MFS®/Sun Life Strategic Income Series
03
2000
10.0000
10.0387
26,165
           
MFS®/Sun Life Strategic Income Series
04
2006
12.9771
13.6684
205,606
MFS®/Sun Life Strategic Income Series
04
2005
12.9039
12.9771
208,742
MFS®/Sun Life Strategic Income Series
04
2004
12.1010
12.9039
219,512
MFS®/Sun Life Strategic Income Series
04
2003
10.8606
12.1010
239,678
MFS®/Sun Life Strategic Income Series
04
2002
10.2373
10.8606
229,678
MFS®/Sun Life Strategic Income Series
04
2001
10.0366
10.2373
189,968
MFS®/Sun Life Strategic Income Series
04
2000
10.0000
10.0366
65,392
           
MFS®/Sun Life Strategic Income Series
05
2006
12.9058
13.5796
367,056
MFS®/Sun Life Strategic Income Series
05
2005
12.8460
12.9058
376,926
MFS®/Sun Life Strategic Income Series
05
2004
12.0590
12.8460
396,767
MFS®/Sun Life Strategic Income Series
05
2003
10.8339
12.0590
439,995
MFS®/Sun Life Strategic Income Series
05
2002
10.2225
10.8339
389,997
MFS®/Sun Life Strategic Income Series
05
2001
10.0323
10.2225
338,348
MFS®/Sun Life Strategic Income Series
05
2000
10.0000
10.0323
91,957
           
MFS®/Sun Life Strategic Income Series
06
2006
12.7997
13.4475
135,193
MFS®/Sun Life Strategic Income Series
06
2005
12.7597
12.7997
148,897
MFS®/Sun Life Strategic Income Series
06
2004
11.9962
12.7597
163,427
MFS®/Sun Life Strategic Income Series
06
2003
10.7940
11.9962
156,596
MFS®/Sun Life Strategic Income Series
06
2002
10.2003
10.7940
139,701
MFS®/Sun Life Strategic Income Series
06
2001
10.0259
10.2003
94,466
MFS®/Sun Life Strategic Income Series
06
2000
10.0000
10.0259
22,010
           
MFS®/Sun Life Strategic Income Series S Class
01
2006
12.8155
13.5062
0
MFS®/Sun Life Strategic Income Series S Class
01
2005
12.7398
12.8155
0
MFS®/Sun Life Strategic Income Series S Class
01
2004
11.9344
12.7398
0
MFS®/Sun Life Strategic Income Series S Class
01
2003
10.7177
11.9344
0
MFS®/Sun Life Strategic Income Series S Class
01
2002
10.0943
10.7177
0
MFS®/Sun Life Strategic Income Series S Class
01
2001
10.0000
10.0943
0
           
MFS®/Sun Life Strategic Income Series S Class
02
2006
12.7313
13.3971
110,226
MFS®/Sun Life Strategic Income Series S Class
02
2005
12.6752
12.7313
124,470
MFS®/Sun Life Strategic Income Series S Class
02
2004
11.8920
12.6752
130,079
MFS®/Sun Life Strategic Income Series S Class
02
2003
10.6958
11.8920
150,240
MFS®/Sun Life Strategic Income Series S Class
02
2002
10.0890
10.6958
122,526
MFS®/Sun Life Strategic Income Series S Class
02
2001
10.0000
10.0890
39,804
           
MFS®/Sun Life Strategic Income Series S Class
03
2006
12.6754
13.3249
0
MFS®/Sun Life Strategic Income Series S Class
03
2005
12.6323
12.6754
0
MFS®/Sun Life Strategic Income Series S Class
03
2004
11.8638
12.6323
0
MFS®/Sun Life Strategic Income Series S Class
03
2003
10.6813
11.8638
0
MFS®/Sun Life Strategic Income Series S Class
03
2002
10.0855
10.6813
0
MFS®/Sun Life Strategic Income Series S Class
03
2001
10.0000
10.0855
0
           
MFS®/Sun Life Strategic Income Series S Class
04
2006
12.6476
13.2888
73,415
MFS®/Sun Life Strategic Income Series S Class
04
2005
12.6109
12.6476
88,506
MFS®/Sun Life Strategic Income Series S Class
04
2004
11.8497
12.6109
78,301
MFS®/Sun Life Strategic Income Series S Class
04
2003
10.6740
11.8497
100,898
MFS®/Sun Life Strategic Income Series S Class
04
2002
10.0837
10.6740
91,947
MFS®/Sun Life Strategic Income Series S Class
04
2001
10.0000
10.0837
28,064
           
MFS®/Sun Life Strategic Income Series S Class
05
2006
12.5919
13.2170
53,337
MFS®/Sun Life Strategic Income Series S Class
05
2005
12.5681
12.5919
56,324
MFS®/Sun Life Strategic Income Series S Class
05
2004
11.8216
12.5681
54,074
MFS®/Sun Life Strategic Income Series S Class
05
2003
10.6594
11.8216
62,544
MFS®/Sun Life Strategic Income Series S Class
05
2002
10.0802
10.6594
69,454
MFS®/Sun Life Strategic Income Series S Class
05
2001
10.0000
10.0802
23,559
           
MFS®/Sun Life Strategic Income Series S Class
06
2006
12.5089
13.1100
112,056
MFS®/Sun Life Strategic Income Series S Class
06
2005
12.5043
12.5089
145,003
MFS®/Sun Life Strategic Income Series S Class
06
2004
11.7795
12.5043
197,070
MFS®/Sun Life Strategic Income Series S Class
06
2003
10.6376
11.7795
126,815
MFS®/Sun Life Strategic Income Series S Class
06
2002
10.0749
10.6376
109,164
MFS®/Sun Life Strategic Income Series S Class
06
2001
10.0000
10.0749
28,762
           
MFS®/Sun Life Strategic Value Series S Class
01
2006
11.3070
12.7529
0
MFS®/Sun Life Strategic Value Series S Class
01
2005
11.5037
11.3070
0
MFS®/Sun Life Strategic Value Series S Class
01
2004
9.8669
11.5037
0
MFS®/Sun Life Strategic Value Series S Class
01
2003
7.8467
9.8669
0
MFS®/Sun Life Strategic Value Series S Class
01
2002
10.0000
7.8467
0
           
MFS®/Sun Life Strategic Value Series S Class
02
2006
11.2441
12.6629
43,750
MFS®/Sun Life Strategic Value Series S Class
02
2005
11.4571
11.2441
53,333
MFS®/Sun Life Strategic Value Series S Class
02
2004
9.8419
11.4571
51,915
MFS®/Sun Life Strategic Value Series S Class
02
2003
7.8387
9.8419
47,299
MFS®/Sun Life Strategic Value Series S Class
02
2002
10.0000
7.8387
5,294
           
MFS®/Sun Life Strategic Value Series S Class
03
2006
11.2025
12.6032
0
MFS®/Sun Life Strategic Value Series S Class
03
2005
11.4262
11.2025
0
MFS®/Sun Life Strategic Value Series S Class
03
2004
9.8253
11.4262
0
MFS®/Sun Life Strategic Value Series S Class
03
2003
7.8334
9.8253
0
MFS®/Sun Life Strategic Value Series S Class
03
2002
10.0000
7.8334
0
           
MFS®/Sun Life Strategic Value Series S Class
04
2006
11.1816
12.5734
6,002
MFS®/Sun Life Strategic Value Series S Class
04
2005
11.4107
11.1816
11,630
MFS®/Sun Life Strategic Value Series S Class
04
2004
9.8170
11.4107
25,385
MFS®/Sun Life Strategic Value Series S Class
04
2003
7.8307
9.8170
10,000
MFS®/Sun Life Strategic Value Series S Class
04
2002
10.0000
7.8307
0
           
MFS®/Sun Life Strategic Value Series S Class
05
2006
11.1400
12.5140
19,808
MFS®/Sun Life Strategic Value Series S Class
05
2005
11.3798
11.1400
26,000
MFS®/Sun Life Strategic Value Series S Class
05
2004
9.8003
11.3798
28,333
MFS®/Sun Life Strategic Value Series S Class
05
2003
7.8254
9.8003
16,461
MFS®/Sun Life Strategic Value Series S Class
05
2002
10.0000
7.8254
6,704
           
MFS®/Sun Life Strategic Value Series S Class
06
2006
11.0779
12.4254
16,067
MFS®/Sun Life Strategic Value Series S Class
06
2005
11.3335
11.0779
15,300
MFS®/Sun Life Strategic Value Series S Class
06
2004
9.7754
11.3335
13,233
MFS®/Sun Life Strategic Value Series S Class
06
2003
7.8173
9.7754
2,266
MFS®/Sun Life Strategic Value Series S Class
06
2002
10.0000
7.8173
485
           
MFS®/Sun Life Technology Series
01
2006
3.8468
4.6453
0
MFS®/Sun Life Technology Series
01
2005
3.6590
3.8468
0
MFS®/Sun Life Technology Series
01
2004
3.6081
3.6590
0
MFS®/Sun Life Technology Series
01
2003
2.5066
3.6081
0
MFS®/Sun Life Technology Series
01
2002
4.6876
2.5066
15,457
MFS®/Sun Life Technology Series
01
2001
7.7449
4.6876
18,195
MFS®/Sun Life Technology Series
01
2000
10.0000
7.7449
21,540
           
MFS®/Sun Life Technology Series
02
2006
3.8151
4.6001
283,755
MFS®/Sun Life Technology Series
02
2005
3.6344
3.8151
286,612
MFS®/Sun Life Technology Series
02
2004
3.5892
3.6344
326,152
MFS®/Sun Life Technology Series
02
2003
2.4973
3.5892
361,175
MFS®/Sun Life Technology Series
02
2002
4.6773
2.4973
332,027
MFS®/Sun Life Technology Series
02
2001
7.7398
4.6773
443,519
MFS®/Sun Life Technology Series
02
2000
10.0000
7.7398
141,204
           
MFS®/Sun Life Technology Series
03
2006
3.7942
4.5702
54,203
MFS®/Sun Life Technology Series
03
2005
3.6181
3.7942
29,789
MFS®/Sun Life Technology Series
03
2004
3.5768
3.6181
34,093
MFS®/Sun Life Technology Series
03
2003
2.4912
3.5768
34,336
MFS®/Sun Life Technology Series
03
2002
4.6705
2.4912
44,676
MFS®/Sun Life Technology Series
03
2001
7.7364
4.6705
46,368
MFS®/Sun Life Technology Series
03
2000
10.0000
7.7364
41,719
           
MFS®/Sun Life Technology Series
04
2006
3.7837
4.5553
267,060
MFS®/Sun Life Technology Series
04
2005
3.6099
3.7837
293,031
MFS®/Sun Life Technology Series
04
2004
3.5705
3.6099
358,077
MFS®/Sun Life Technology Series
04
2003
2.4881
3.5705
417,202
MFS®/Sun Life Technology Series
04
2002
4.6671
2.4881
391,228
MFS®/Sun Life Technology Series
04
2001
7.7347
4.6671
546,351
MFS®/Sun Life Technology Series
04
2000
10.0000
7.7347
183,811
           
MFS®/Sun Life Technology Series
05
2006
3.7629
4.5256
658,473
MFS®/Sun Life Technology Series
05
2005
3.5937
3.7629
770,574
MFS®/Sun Life Technology Series
05
2004
3.5581
3.5937
970,660
MFS®/Sun Life Technology Series
05
2003
2.4819
3.5581
1,063,824
MFS®/Sun Life Technology Series
05
2002
4.6602
2.4819
1,106,441
MFS®/Sun Life Technology Series
05
2001
7.7313
4.6602
1,328,675
MFS®/Sun Life Technology Series
05
2000
10.0000
7.7313
644,712
           
MFS®/Sun Life Technology Series
06
2006
3.7318
4.4814
266,930
MFS®/Sun Life Technology Series
06
2005
3.5694
3.7318
291,267
MFS®/Sun Life Technology Series
06
2004
3.5394
3.5694
349,183
MFS®/Sun Life Technology Series
06
2003
2.4727
3.5394
384,036
MFS®/Sun Life Technology Series
06
2002
4.6500
2.4727
388,335
MFS®/Sun Life Technology Series
06
2001
7.7263
4.6500
475,894
MFS®/Sun Life Technology Series
06
2000
10.0000
7.7263
156,214
           
MFS®/Sun Life Technology Series S Class
01
2006
7.8883
9.4959
0
MFS®/Sun Life Technology Series S Class
01
2005
7.5150
7.8883
0
MFS®/Sun Life Technology Series S Class
01
2004
7.4448
7.5150
0
MFS®/Sun Life Technology Series S Class
01
2003
5.1733
7.4448
0
MFS®/Sun Life Technology Series S Class
01
2002
9.7453
5.1733
0
MFS®/Sun Life Technology Series S Class
01
2001
10.0000
9.7453
0
           
MFS®/Sun Life Technology Series S Class
02
2006
7.8364
9.4191
21,961
MFS®/Sun Life Technology Series S Class
02
2005
7.4769
7.8364
23,928
MFS®/Sun Life Technology Series S Class
02
2004
7.4183
7.4769
36,835
MFS®/Sun Life Technology Series S Class
02
2003
5.1627
7.4183
30,156
MFS®/Sun Life Technology Series S Class
02
2002
9.7401
5.1627
23,128
MFS®/Sun Life Technology Series S Class
02
2001
10.0000
9.7401
12,839
           
MFS®/Sun Life Technology Series S Class
03
2006
7.8020
9.3683
0
MFS®/Sun Life Technology Series S Class
03
2005
7.4516
7.8020
0
MFS®/Sun Life Technology Series S Class
03
2004
7.4007
7.4516
0
MFS®/Sun Life Technology Series S Class
03
2003
5.1557
7.4007
0
MFS®/Sun Life Technology Series S Class
03
2002
9.7367
5.1557
0
MFS®/Sun Life Technology Series S Class
03
2001
10.0000
9.7367
0
           
MFS®/Sun Life Technology Series S Class
04
2006
7.7849
9.3430
20,558
MFS®/Sun Life Technology Series S Class
04
2005
7.4389
7.7849
22,796
MFS®/Sun Life Technology Series S Class
04
2004
7.3919
7.4389
25,376
MFS®/Sun Life Technology Series S Class
04
2003
5.1522
7.3919
30,968
MFS®/Sun Life Technology Series S Class
04
2002
9.7350
5.1522
19,642
MFS®/Sun Life Technology Series S Class
04
2001
10.0000
9.7350
5,303
           
MFS®/Sun Life Technology Series S Class
05
2006
7.7506
9.2924
26,156
MFS®/Sun Life Technology Series S Class
05
2005
7.4137
7.7506
32,386
MFS®/Sun Life Technology Series S Class
05
2004
7.3743
7.4137
33,865
MFS®/Sun Life Technology Series S Class
05
2003
5.1451
7.3743
36,285
MFS®/Sun Life Technology Series S Class
05
2002
9.7316
5.1451
26,129
MFS®/Sun Life Technology Series S Class
05
2001
10.0000
9.7316
11,096
           
MFS®/Sun Life Technology Series S Class
06
2006
7.6995
9.2171
35,319
MFS®/Sun Life Technology Series S Class
06
2005
7.3760
7.6995
41,887
MFS®/Sun Life Technology Series S Class
06
2004
7.3480
7.3760
54,394
MFS®/Sun Life Technology Series S Class
06
2003
5.1345
7.3480
60,486
MFS®/Sun Life Technology Series S Class
06
2002
9.7264
5.1345
46,358
MFS®/Sun Life Technology Series S Class
06
2001
10.0000
9.7264
15,967
           
MFS®/Sun Life Total Return Series
01
2006
13.5913
15.1004
0
MFS®/Sun Life Total Return Series
01
2005
13.3254
13.5913
0
MFS®/Sun Life Total Return Series
01
2004
12.0752
13.3254
61,545
MFS®/Sun Life Total Return Series
01
2003
10.4115
12.0752
61,446
MFS®/Sun Life Total Return Series
01
2002
11.1541
10.4115
57,958
MFS®/Sun Life Total Return Series
01
2001
11.2101
11.1541
15,205
MFS®/Sun Life Total Return Series
01
2000
10.0000
11.2101
0
           
MFS®/Sun Life Total Return Series
02
2006
13.4798
14.9537
1,487,497
MFS®/Sun Life Total Return Series
02
2005
13.2360
13.4798
1,741,474
MFS®/Sun Life Total Return Series
02
2004
12.0125
13.2360
1,833,489
MFS®/Sun Life Total Return Series
02
2003
10.3731
12.0125
1,931,208
MFS®/Sun Life Total Return Series
02
2002
11.1299
10.3731
1,996,722
MFS®/Sun Life Total Return Series
02
2001
11.2028
11.1299
1,814,986
MFS®/Sun Life Total Return Series
02
2000
10.0000
11.2028
219,370
           
MFS®/Sun Life Total Return Series
03
2006
13.4059
14.8568
23,655
MFS®/Sun Life Total Return Series
03
2005
13.1768
13.4059
33,019
MFS®/Sun Life Total Return Series
03
2004
11.9709
13.1768
36,531
MFS®/Sun Life Total Return Series
03
2003
10.3477
11.9709
99,853
MFS®/Sun Life Total Return Series
03
2002
11.1138
10.3477
80,813
MFS®/Sun Life Total Return Series
03
2001
11.1980
11.1138
87,756
MFS®/Sun Life Total Return Series
03
2000
10.0000
11.1980
10,625
           
MFS®/Sun Life Total Return Series
04
2006
13.3691
14.8085
1,634,447
MFS®/Sun Life Total Return Series
04
2005
13.1472
13.3691
1,874,981
MFS®/Sun Life Total Return Series
04
2004
11.9501
13.1472
2,098,700
MFS®/Sun Life Total Return Series
04
2003
10.3349
11.9501
2,197,855
MFS®/Sun Life Total Return Series
04
2002
11.1058
10.3349
2,203,584
MFS®/Sun Life Total Return Series
04
2001
11.1956
11.1058
1,975,555
MFS®/Sun Life Total Return Series
04
2000
10.0000
11.1956
325,729
           
MFS®/Sun Life Total Return Series
05
2006
13.2956
14.7123
3,123,284
MFS®/Sun Life Total Return Series
05
2005
13.0882
13.2956
3,545,429
MFS®/Sun Life Total Return Series
05
2004
11.9086
13.0882
3,642,030
MFS®/Sun Life Total Return Series
05
2003
10.3095
11.9086
3,689,075
MFS®/Sun Life Total Return Series
05
2002
11.0897
10.3095
3,762,588
MFS®/Sun Life Total Return Series
05
2001
11.1908
11.0897
3,267,013
MFS®/Sun Life Total Return Series
05
2000
10.0000
11.1908
556,497
           
MFS®/Sun Life Total Return Series
06
2006
13.1862
14.5691
1,281,729
MFS®/Sun Life Total Return Series
06
2005
13.0003
13.1862
1,434,013
MFS®/Sun Life Total Return Series
06
2004
11.8466
13.0003
1,472,580
MFS®/Sun Life Total Return Series
06
2003
10.2714
11.8466
1,567,034
MFS®/Sun Life Total Return Series
06
2002
11.0656
10.2714
1,613,058
MFS®/Sun Life Total Return Series
06
2001
11.1836
11.0656
1,345,336
MFS®/Sun Life Total Return Series
06
2000
10.0000
11.1836
188,022
           
MFS®/Sun Life Total Return Series S Class
01
2006
12.0415
13.3410
7,524
MFS®/Sun Life Total Return Series S Class
01
2005
11.8301
12.0415
70,371
MFS®/Sun Life Total Return Series S Class
01
2004
10.7517
11.8301
72,883
MFS®/Sun Life Total Return Series S Class
01
2003
9.2956
10.7517
52,090
MFS®/Sun Life Total Return Series S Class
01
2002
9.9765
9.2956
40,484
MFS®/Sun Life Total Return Series S Class
01
2001
10.0000
9.9765
0
           
MFS®/Sun Life Total Return Series S Class
02
2006
11.9623
13.2332
1,457,440
MFS®/Sun Life Total Return Series S Class
02
2005
11.7701
11.9623
1,618,166
MFS®/Sun Life Total Return Series S Class
02
2004
10.7135
11.7701
1,664,485
MFS®/Sun Life Total Return Series S Class
02
2003
9.2766
10.7135
1,685,029
MFS®/Sun Life Total Return Series S Class
02
2002
9.9713
9.2766
1,631,383
MFS®/Sun Life Total Return Series S Class
02
2001
10.0000
9.9713
374,067
           
MFS®/Sun Life Total Return Series S Class
03
2006
11.9099
13.1620
0
MFS®/Sun Life Total Return Series S Class
03
2005
11.7303
11.9099
0
MFS®/Sun Life Total Return Series S Class
03
2004
10.6881
11.7303
0
MFS®/Sun Life Total Return Series S Class
03
2003
9.2640
10.6881
0
MFS®/Sun Life Total Return Series S Class
03
2002
9.9678
9.2640
0
MFS®/Sun Life Total Return Series S Class
03
2001
10.0000
9.9678
0
           
MFS®/Sun Life Total Return Series S Class
04
2006
11.8836
13.1263
997,801
MFS®/Sun Life Total Return Series S Class
04
2005
11.7104
11.8836
1,168,799
MFS®/Sun Life Total Return Series S Class
04
2004
10.6754
11.7104
1,196,281
MFS®/Sun Life Total Return Series S Class
04
2003
9.2577
10.6754
1,216,753
MFS®/Sun Life Total Return Series S Class
04
2002
9.9661
9.2577
1,116,530
MFS®/Sun Life Total Return Series S Class
04
2001
10.0000
9.9661
280,851
           
MFS®/Sun Life Total Return Series S Class
05
2006
11.8313
13.0554
836,963
MFS®/Sun Life Total Return Series S Class
05
2005
11.6707
11.8313
942,898
MFS®/Sun Life Total Return Series S Class
05
2004
10.6500
11.6707
1,036,307
MFS®/Sun Life Total Return Series S Class
05
2003
9.2451
10.6500
1,099,715
MFS®/Sun Life Total Return Series S Class
05
2002
9.9626
9.2451
1,071,308
MFS®/Sun Life Total Return Series S Class
05
2001
10.0000
9.9626
350,483
           
MFS®/Sun Life Total Return Series S Class
06
2006
11.7533
12.9496
1,245,578
MFS®/Sun Life Total Return Series S Class
06
2005
11.6114
11.7533
1,479,631
MFS®/Sun Life Total Return Series S Class
06
2004
10.6121
11.6114
1,576,533
MFS®/Sun Life Total Return Series S Class
06
2003
9.2261
10.6121
1,592,618
MFS®/Sun Life Total Return Series S Class
06
2002
9.9573
9.2261
1,520,723
MFS®/Sun Life Total Return Series S Class
06
2001
10.0000
9.9573
331,867
           
MFS®/Sun Life Utilities Series
01
2006
11.0758
14.5053
0
MFS®/Sun Life Utilities Series
01
2005
9.5380
11.0758
0
MFS®/Sun Life Utilities Series
01
2004
7.3900
9.5380
0
MFS®/Sun Life Utilities Series
01
2003
5.4783
7.3900
0
MFS®/Sun Life Utilities Series
01
2002
7.2670
5.4783
0
MFS®/Sun Life Utilities Series
01
2001
9.6987
7.2670
23,798
MFS®/Sun Life Utilities Series
01
2000
10.0000
9.6987
0
           
MFS®/Sun Life Utilities Series
02
2006
10.9844
14.3639
870,936
MFS®/Sun Life Utilities Series
02
2005
9.4736
10.9844
801,790
MFS®/Sun Life Utilities Series
02
2004
7.3513
9.4736
838,147
MFS®/Sun Life Utilities Series
02
2003
5.4579
7.3513
914,416
MFS®/Sun Life Utilities Series
02
2002
7.2510
5.4579
1,041,505
MFS®/Sun Life Utilities Series
02
2001
9.6921
7.2510
1,458,430
MFS®/Sun Life Utilities Series
02
2000
10.0000
9.6921
348,917
           
MFS®/Sun Life Utilities Series
03
2006
10.9240
14.2705
100,049
MFS®/Sun Life Utilities Series
03
2005
9.4310
10.9240
98,794
MFS®/Sun Life Utilities Series
03
2004
7.3256
9.4310
118,989
MFS®/Sun Life Utilities Series
03
2003
5.4443
7.3256
120,772
MFS®/Sun Life Utilities Series
03
2002
7.2403
5.4443
139,607
MFS®/Sun Life Utilities Series
03
2001
9.6877
7.2403
155,862
MFS®/Sun Life Utilities Series
03
2000
10.0000
9.6877
95,664
           
MFS®/Sun Life Utilities Series
04
2006
10.8938
14.2238
771,012
MFS®/Sun Life Utilities Series
04
2005
9.4097
10.8938
910,979
MFS®/Sun Life Utilities Series
04
2004
7.3128
9.4097
968,864
MFS®/Sun Life Utilities Series
04
2003
5.4375
7.3128
1,075,912
MFS®/Sun Life Utilities Series
04
2002
7.2349
5.4375
1,235,628
MFS®/Sun Life Utilities Series
04
2001
9.6855
7.2349
1,752,322
MFS®/Sun Life Utilities Series
04
2000
10.0000
9.6855
48,384
           
MFS®/Sun Life Utilities Series
05
2006
10.8337
14.1311
1,526,747
MFS®/Sun Life Utilities Series
05
2005
9.3672
10.8337
1,694,129
MFS®/Sun Life Utilities Series
05
2004
7.2872
9.3672
1,814,554
MFS®/Sun Life Utilities Series
05
2003
5.4240
7.2872
1,991,221
MFS®/Sun Life Utilities Series
05
2002
7.2243
5.4240
2,028,333
MFS®/Sun Life Utilities Series
05
2001
9.6811
7.2243
2,719,237
MFS®/Sun Life Utilities Series
05
2000
10.0000
9.6811
985,298
           
MFS®/Sun Life Utilities Series
06
2006
10.7441
13.9929
607,598
MFS®/Sun Life Utilities Series
06
2005
9.3039
10.7441
678,165
MFS®/Sun Life Utilities Series
06
2004
7.2489
9.3039
708,717
MFS®/Sun Life Utilities Series
06
2003
5.4037
7.2489
779,709
MFS®/Sun Life Utilities Series
06
2002
7.2083
5.4037
819,073
MFS®/Sun Life Utilities Series
06
2001
9.6745
7.2083
1,030,235
MFS®/Sun Life Utilities Series
06
2000
10.0000
9.6745
245,771
           
MFS®/Sun Life Utilities Series S Class
01
2006
13.4719
17.6005
6,328
MFS®/Sun Life Utilities Series S Class
01
2005
11.6332
13.4719
6,328
MFS®/Sun Life Utilities Series S Class
01
2004
9.0382
11.6332
6,328
MFS®/Sun Life Utilities Series S Class
01
2003
6.7113
9.0382
6,328
MFS®/Sun Life Utilities Series S Class
01
2002
8.9376
6.7113
6,401
MFS®/Sun Life Utilities Series S Class
01
2001
10.0000
8.9376
0
           
MFS®/Sun Life Utilities Series S Class
02
2006
13.3833
17.4583
193,141
MFS®/Sun Life Utilities Series S Class
02
2005
11.5742
13.3833
182,600
MFS®/Sun Life Utilities Series S Class
02
2004
9.0060
11.5742
167,564
MFS®/Sun Life Utilities Series S Class
02
2003
6.6976
9.0060
186,540
MFS®/Sun Life Utilities Series S Class
02
2002
8.9329
6.6976
184,744
MFS®/Sun Life Utilities Series S Class
02
2001
10.0000
8.9329
84,371
           
MFS®/Sun Life Utilities Series S Class
03
2006
13.3246
17.3642
0
MFS®/Sun Life Utilities Series S Class
03
2005
11.5350
13.3246
0
MFS®/Sun Life Utilities Series S Class
03
2004
8.9846
11.5350
0
MFS®/Sun Life Utilities Series S Class
03
2003
6.6885
8.9846
0
MFS®/Sun Life Utilities Series S Class
03
2002
8.9298
6.6885
0
MFS®/Sun Life Utilities Series S Class
03
2001
10.0000
8.9298
0
MFS®/Sun Life Utilities Series S Class
04
2006
13.2953
17.3172
186,700
MFS®/Sun Life Utilities Series S Class
04
2005
11.5155
13.2953
177,821
MFS®/Sun Life Utilities Series S Class
04
2004
8.9740
11.5155
169,319
MFS®/Sun Life Utilities Series S Class
04
2003
6.6839
8.9740
170,444
MFS®/Sun Life Utilities Series S Class
04
2002
8.9282
6.6839
171,534
MFS®/Sun Life Utilities Series S Class
04
2001
10.0000
8.9282
80,157
           
MFS®/Sun Life Utilities Series S Class
05
2006
13.2369
17.2237
172,578
MFS®/Sun Life Utilities Series S Class
05
2005
11.4764
13.2369
183,109
MFS®/Sun Life Utilities Series S Class
05
2004
8.9526
11.4764
191,980
MFS®/Sun Life Utilities Series S Class
05
2003
6.6748
8.9526
197,553
MFS®/Sun Life Utilities Series S Class
05
2002
8.9251
6.6748
166,262
MFS®/Sun Life Utilities Series S Class
05
2001
10.0000
8.9251
63,193
           
MFS®/Sun Life Utilities Series S Class
06
2006
13.1496
17.0842
232,352
MFS®/Sun Life Utilities Series S Class
06
2005
11.4181
13.1496
253,074
MFS®/Sun Life Utilities Series S Class
06
2004
8.9207
11.4181
262,312
MFS®/Sun Life Utilities Series S Class
06
2003
6.6611
8.9207
274,499
MFS®/Sun Life Utilities Series S Class
06
2002
8.9204
6.6611
275,249
MFS®/Sun Life Utilities Series S Class
06
2001
10.0000
8.9204
104,577
           
MFS®/Sun Life Value Series
01
2006
14.2563
17.0721
0
MFS®/Sun Life Value Series
01
2005
13.5087
14.2563
0
MFS®/Sun Life Value Series
01
2004
11.8120
13.5087
22,644
MFS®/Sun Life Value Series
01
2003
9.5210
11.8120
0
MFS®/Sun Life Value Series
01
2002
11.1280
9.5210
23,526
MFS®/Sun Life Value Series
01
2001
12.1507
11.1280
24,071
MFS®/Sun Life Value Series
01
2000
10.0000
12.1507
0
           
MFS®/Sun Life Value Series
02
2006
14.1391
16.9061
665,682
MFS®/Sun Life Value Series
02
2005
13.4180
14.1391
864,916
MFS®/Sun Life Value Series
02
2004
11.7506
13.4180
873,417
MFS®/Sun Life Value Series
02
2003
9.4859
11.7506
728,480
MFS®/Sun Life Value Series
02
2002
11.1037
9.4859
798,402
MFS®/Sun Life Value Series
02
2001
12.1428
11.1037
761,810
MFS®/Sun Life Value Series
02
2000
10.0000
12.1428
0
           
MFS®/Sun Life Value Series
03
2006
14.0616
16.7965
184,968
MFS®/Sun Life Value Series
03
2005
13.3579
14.0616
217,101
MFS®/Sun Life Value Series
03
2004
11.7098
13.3579
210,433
MFS®/Sun Life Value Series
03
2003
9.4625
11.7098
196,432
MFS®/Sun Life Value Series
03
2002
11.0876
9.4625
209,708
MFS®/Sun Life Value Series
03
2001
12.1375
11.0876
201,491
MFS®/Sun Life Value Series
03
2000
10.0000
12.1375
0
           
MFS®/Sun Life Value Series
04
2006
14.0229
16.7418
885,209
MFS®/Sun Life Value Series
04
2005
13.3279
14.0229
1,004,386
MFS®/Sun Life Value Series
04
2004
11.6894
13.3279
1,064,563
MFS®/Sun Life Value Series
04
2003
9.4508
11.6894
1,096,909
MFS®/Sun Life Value Series
04
2002
11.0796
9.4508
1,076,900
MFS®/Sun Life Value Series
04
2001
12.1349
11.0796
1,045,431
MFS®/Sun Life Value Series
04
2000
10.0000
12.1349
0
           
MFS®/Sun Life Value Series
05
2006
13.9458
16.6329
1,800,972
MFS®/Sun Life Value Series
05
2005
13.2680
13.9458
2,022,385
MFS®/Sun Life Value Series
05
2004
11.6487
13.2680
2,126,853
MFS®/Sun Life Value Series
05
2003
9.4275
11.6487
2,237,046
MFS®/Sun Life Value Series
05
2002
11.0634
9.4275
2,289,774
MFS®/Sun Life Value Series
05
2001
12.1296
11.0634
2,162,824
MFS®/Sun Life Value Series
05
2000
10.0000
12.1296
0
           
MFS®/Sun Life Value Series
06
2006
13.8309
16.4709
679,200
MFS®/Sun Life Value Series
06
2005
13.1787
13.8309
742,489
MFS®/Sun Life Value Series
06
2004
11.5880
13.1787
798,989
MFS®/Sun Life Value Series
06
2003
9.3926
11.5880
802,335
MFS®/Sun Life Value Series
06
2002
11.0393
9.3926
772,979
MFS®/Sun Life Value Series
06
2001
12.1217
11.0393
653,988
MFS®/Sun Life Value Series
06
2000
10.0000
12.1217
0
           
MFS®/Sun Life Value Series S Class
01
2006
12.4403
14.8608
12,646
MFS®/Sun Life Value Series S Class
01
2005
11.8162
12.4403
15,693
MFS®/Sun Life Value Series S Class
01
2004
10.3627
11.8162
18,613
MFS®/Sun Life Value Series S Class
01
2003
8.3680
10.3627
22,153
MFS®/Sun Life Value Series S Class
01
2002
9.8049
8.3680
41,705
MFS®/Sun Life Value Series S Class
01
2001
10.0000
9.8049
0
           
MFS®/Sun Life Value Series S Class
02
2006
12.3585
14.7407
486,962
MFS®/Sun Life Value Series S Class
02
2005
11.7563
12.3585
520,698
MFS®/Sun Life Value Series S Class
02
2004
10.3258
11.7563
572,764
MFS®/Sun Life Value Series S Class
02
2003
8.3509
10.3258
593,073
MFS®/Sun Life Value Series S Class
02
2002
9.7998
8.3509
539,530
MFS®/Sun Life Value Series S Class
02
2001
10.0000
9.7998
151,651
           
MFS®/Sun Life Value Series S Class
03
2006
12.3043
14.6613
0
MFS®/Sun Life Value Series S Class
03
2005
11.7166
12.3043
0
MFS®/Sun Life Value Series S Class
03
2004
10.3014
11.7166
0
MFS®/Sun Life Value Series S Class
03
2003
8.3396
10.3014
0
MFS®/Sun Life Value Series S Class
03
2002
9.7963
8.3396
0
MFS®/Sun Life Value Series S Class
03
2001
10.0000
9.7963
0
           
MFS®/Sun Life Value Series S Class
04
2006
12.2773
14.6216
344,425
MFS®/Sun Life Value Series S Class
04
2005
11.6967
12.2773
365,277
MFS®/Sun Life Value Series S Class
04
2004
10.2891
11.6967
418,509
MFS®/Sun Life Value Series S Class
04
2003
8.3339
10.2891
417,138
MFS®/Sun Life Value Series S Class
04
2002
9.7946
8.3339
355,617
MFS®/Sun Life Value Series S Class
04
2001
10.0000
9.7946
112,398
           
MFS®/Sun Life Value Series S Class
05
2006
12.2232
14.5426
413,589
MFS®/Sun Life Value Series S Class
05
2005
11.6570
12.2232
476,130
MFS®/Sun Life Value Series S Class
05
2004
10.2646
11.6570
485,707
MFS®/Sun Life Value Series S Class
05
2003
8.3225
10.2646
474,717
MFS®/Sun Life Value Series S Class
05
2002
9.7912
8.3225
488,034
MFS®/Sun Life Value Series S Class
05
2001
10.0000
9.7912
146,164
           
MFS®/Sun Life Value Series S Class
06
2006
12.1426
14.4248
496,712
MFS®/Sun Life Value Series S Class
06
2005
11.5977
12.1426
584,443
MFS®/Sun Life Value Series S Class
06
2004
10.2280
11.5977
651,114
MFS®/Sun Life Value Series S Class
06
2003
8.3054
10.2280
691,788
MFS®/Sun Life Value Series S Class
06
2002
9.7860
8.3054
711,007
MFS®/Sun Life Value Series S Class
06
2001
10.0000
9.7860
200,083


 
 

 







































SUN LIFE ASSURANCE COMPANY OF CANADA (U.S.)
P.O. Box 9133
Wellesley Hills, Massachusetts 02481
 
TELEPHONE:
Toll Free (800) 752-7215
 
GENERAL DISTRIBUTOR
Clarendon Insurance Agency, Inc.
One Sun Life Executive Park
Wellesley Hills, Massachusetts 02481