SUN LIFE INSURANCE AND ANNUITY COMPANY OF NEW YORK

ENHANCED CASH SURRENDER VALUE RIDER

This rider is part of the Certificate to which it attaches and is effective as of the Certificate Date, unless another date is specified in Section 1 of the Certificate.  It is part of, and subject to, the other terms and conditions of the Certificate.  If the terms of this rider and the Certificate conflict, this rider’s provisions will control.

Benefit

This rider provides that We will waive the surrender charge during the Enhanced Cash Surrender Value Period as described below. Coverage under this rider begins on the Certificate Date.

Definitions

Enhanced Cash Surrender Value Period

The number of Certificate Years during which the surrender charge will be waived as shown in Section 1 of the Certificate.

General

Rider Charge

During the Enhanced Cash Surrender Value Period, there will be a monthly charge per $1,000 of the initial Specified Face Amount. This charge is shown in Section 1 of the Certificate.

Enhanced Cash Surrender Value

If you make a Partial Withdrawal or fully surrender the Certificate at any time during the Enhanced Cash Value Period, any applicable surrender charge will be waived and the Cash Surrender Value will be equal to the Account Value less any Certificate Debt.

The amount available under the Certificate for Partial Withdrawals and Certificate Loans will not be increased due to this rider.

Conditions

Subject to the terms and conditions of this rider and the Certificate, we agree to pay the Enhanced Cash Surrender Value during the Enhanced Cash Surrender Value Period if all the following conditions are met:

1.      written request for full surrender is received at our Service Office; and

2.      the Certificate is not surrendered as part of an exchange under Internal Revenue Code §1035.

Termination

This rider will terminate upon the earlier of:

1.      the end of the Enhanced Cash Surrender Value Period; or

2.      the termination of the Certificate.

[Missing Graphic Reference]

[Robert C. Salipante], [President]

      

        MVUL-ECSVR-2007-GC  NYGC