SLF (NYSE) 27.25 +0.12

as of 11/20/2009 4:02 PM

Insurance Marketplace Standards Association

Policy Values	Relationship Management
How Do I... Increase the face amount on my policy Request a lost policy certificate Request an illustration Reinstate a lapsed policy	How Do I... Change the owner on my policy Change the beneficiary on my policy Change the trustee on my trust Set up, change or remove a collateral assignment Add a power of attorney
Payment Information	Policy Changes
How Do I... Set up, change or remove a Pre-Authorized Checking draft Change my premium payment schedule or mode Find out the address to send premium payments	Policy changes such as benefit changes, rider changes and changes to non-tobacco status can be initiated by filling out and signing the Policy Service Request form.
Claims	Withdrawals and Loans
How Do I... Submit a death claim Submit a waiver of premium claim Submit an accelerated death benefit claim Submit a Payment of Stipulated Amount claim Check the status of my claim Request IRS Form 712	How Do I... Request a loan Set up a loan repayment plan
Variable Universal Life Inquiries
How Do I... Transfer values between sub-accounts Change my future payment allocations Set up, change or discontinue participation in the Dollar Cost Averaging program Set up, change or discontinue participation in the Asset Allocation program Set up, change or discontinue participation in the Portfolio Rebalancing program Get an on-demand statement Get information about the sub-account unit values

Policy Values How do I increase the face amount on my policy? (interest sensitive policies only) What's needed: To determine if your policy is eligible for face amount increases and to learn what we require to make such an increase, call or send your request including the policy number(s).
*Traditional Policies* Call: 1-800-862-6266 Mail to: Sun Life Financial Attn: Change Services, SC 1049 PO Box 9106 Wellesley Hills, MA 02481-9106 Fax to: 1-888-863-8311 Email	*Variable Universal Life Policies* Call: 1-866-702-6998 Mail to: Sun Life Insurance and Annuity Company of New York Attn: VUL Service Center, SC 1275 PO Box 9191 Wellesley Hills, MA 02481-9191 Fax to: 1-888-863-8311 Email
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I lost my policy. How do I obtain a duplicate copy? What's needed: Call or send your request, including policy number(s).
*Traditional Policies* Call: 1-800-862-6266 Mail to: Sun Life Financial Attn: Change and Reinstatement Services, SC 1049 PO Box 9106 Wellesley Hills, MA 02481-9106 Fax to: 1-888-863-8311 Email	*Variable Universal Life Policies* Call: 1-866-702-6998 Mail to: Sun Life Insurance and Annuity Company of New York Attn: VUL Service Center, SC 1275 PO Box 9191 Wellesley Hills, MA 02481-9191 Fax to: 1-888-863-8311 Email
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How can I get an in force illustration or policy projection? What's needed: Call or send your request including the policy numbers(s) and owner name. An in force illustration, or policy projection, provides a great deal of information. It can answer questions regarding projected premium outlay, projected policy values and projected face amount. Note: in force illustrations make certain assumptions regarding dividends, interest rates and costs for insurance that will vary each year and will impact the projections provided. Call: 1-800-862-6266 Mail to: Sun Life Financial PO Box 9106, SC 1039 Wellesley Hills, MA 02481-9106 Fax to: 1-888-863-8311 Email
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My policy recently lapsed. How can I reinstate it? What's needed: If you wish to reinstate your policy with us, call or send your request, including the policy number(s). We will (a) provide you with a quote of back premiums due and overdue premium interest, and (b) determine if evidence of insurability is required. We allow a three to five year grace period for reinstatements. VUL Policy can be reinstated between 3 and 5 years from the date of lapse depending on your plan. Please refer to your policy contract/prospectus for specific information regarding reinstatement requirements. After that period the reinstatement offer expires and the coverage will remain terminated.
*Traditional Policies* Call: 1-800-862-6266 Mail to: Sun Life Financial Attn: Change and Reinstatement Services, SC 1049 PO Box 9106 Wellesley Hills, MA 02481-9106 Fax to: 1-888-863-8311 Email	*Variable Universal Life Policies* Call: 1-866-702-6998 Mail to: Sun Life Insurance and Annuity Company of New York Attn: VUL Service Center, SC 1275 PO Box 9191 Wellesley Hills, MA 02481-9191 Fax to: 1-888-863-8311 Email
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Relationship Management How do I change the owner on my policy? What's needed: Download and complete the Change of Owner Form. If designating a trust, please complete the Verification of Trust Form as well. We encourage you to designate a contingent owner if the primary owner is not the insured. If none is designated and the primary owner dies before the insured, the ownership will default to the estate of the primary owner.
*Traditional Policies* Call: 1-800-862-6266 Mail to: Sun Life Financial Attn: Title Services, SC 1247 One Sun Life Executive Park Wellesley Hills, MA 02481 Fax to: 1-888-863-8311	*Variable Universal Life Policies* Call: 1-866-702-6998 Mail to: Sun Life Insurance and Annuity Company of New York Attn: VUL Service Center, SC 1275 PO Box 9191 Wellesley Hills, MA 02481-9191 Fax to: 1-888-863-8311
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How do I change the beneficiary? What's needed: Download and complete the Change of Beneficiary Form, listing the policy number(s). We encourage you to designate a contingent beneficiary in the event the primary beneficiary dies before the insured. If none is designated, the contingent beneficiary will default to the estate of the insured.
*Traditional Policies* Call: 1-800-862-6266 Mail to: Sun Life Financial Attn: Title Services, SC 1247 One Sun Life Executive Park Wellesley Hills, MA 02481 Fax to: 1-888-863-8311	*Variable Universal Life Policies* Call: 1-866-702-6998 Mail to: Sun Life Insurance and Annuity Company of New York Attn: VUL Service Center, SC 1275 PO Box 9191 Wellesley Hills, MA 02481-9191 Fax to: 1-888-863-8311
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How do I change the trustee on my trust? What's needed: Download and complete the Verification of Trust form.
*Traditional Policies* Call: 1-800-862-6266 Mail to: Sun Life Financial Attn: Title Services, SC 1247 One Sun Life Executive Park Wellesley Hills, MA 02481 Fax to: 1-888-863-8311	*Variable Universal Life Policies* Call: 1-866-702-6998 Mail to: Sun Life Insurance and Annuity Company of New York Attn: VUL Service Center, SC 1275 PO Box 9191 Wellesley Hills, MA 02481-9191 Fax to: 1-888-863-8311
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How do I set up, change or remove a collateral assignment on my policy? What's needed: To set up a collateral assignment, download and complete the Collateral Policy Form or complete the American Banking Association Collateral Assignment Form, available at most financial lending institutions. To remove a collateral assigment, download the Release of Assignment Form and have the assignee complete it, including the policy number(s).
*Traditional Policies* Call: 1-800-862-6266 Mail to: Sun Life Financial Attn: Title Services, SC 1247 One Sun Life Executive Park Wellesley Hills, MA 02481 Fax to: 1-888-863-8311	*Variable Universal Life Policies* Call: 1-866-702-6998 Mail to: Sun Life Insurance and Annuity Company of New York Attn: VUL Service Center, SC 1275 PO Box 9191 Wellesley Hills, MA 02481-9191 Fax to: 1-888-863-8311
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How do I add a power of attorney to my policy? What's needed: To have a Power of Attorney document recorded on your policy, send a certified copy of the document and include the policy number(s).
*Traditional Policies* Call: 1-800-862-6266 Mail to: Sun Life Financial Attn: Title Services, SC 1247 One Sun Life Executive Park Wellesley Hills, MA 02481	*Variable Universal Life Policies* Call: 1-866-702-6998 Mail to: Sun Life Insurance and Annuity Company of New York Attn: VUL Service Center, SC 1275 PO Box 9191 Wellesley Hills, MA 02481-9191 Fax to: 1-888-863-8311
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How do I set up, change or remove a Pre-Authorized Checking draft? What's needed: *Traditional Policies* To set up Pre-Authorized checking to have monthly policy premiums drafted from your account, download and complete the Pre-Authorized Check Form. List the policy number(s) and submit it with a voided check. To update or change the bank from which we draft your policy premiums, download and complete the Pre-Authorized Check Form. List the policy number(s) and submit it with a voided check from the new checking account. To remove Pre-Authorized checking and switch to Direct Billing, download and complete the Policy Service Request Form, including the policy number(s). Call: 1-800-862-6266 Mail to: Sun Life Financial Attn: PAC Dept., SC 1037 (for changes to PAC only) Attn: Collections Dept. SC 1242 (for changes to Direct Billing only) PO Box 9106 Wellesley Hills, MA 02481-9106
*Variable Universal Life Policies* To set up Pre-Authorized checking to have monthly policy premiums drafted from your account, download and complete the VUL Pre-Authorized Check Form. List the policy number(s) and submit it with a voided check. To update or change the bank from which we draft your policy premiums, download and complete the VUL Pre-Authorized Check Form. List the policy number(s) and submit it with a voided check from the new checking account. To remove Pre-Authorized checking and switch to Direct Billing, download and complete the VUL Policy Change Form, including the policy number(s). Call: 1-866-702-6998 Mail to: Sun Life Insurance and Annuity Company of New York Attn: VUL Service Center, SC 1275 PO Box 9191 Wellesley Hills, MA 02481-9191 Fax to: 1-888-863-8311
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How do I change my policy's premium schedule in order to pay premiums more or less frequently? What's needed: You can change your premium payment frequency to Monthly Pre-Authorized Checking (PAC) or Direct Billing (Semi-Annual, Annual) in CustomerLink by following the instructions below. *Traditional Policies* • PAC: download and complete the Pre-Authorized Check Form. List the policy number(s) and submit it with a voided check. • Direct Billing: Download and complete the Policy Service Request Form, including the policy number(s). Call: 1-800-862-6266 Mail to: Sun Life Financial Attn: PAC Dept., SC 1037 (for changes to PAC only) Attn: Collections Dept. SC 1242 (for changes to Direct Billing only) PO Box 9106 Wellesley Hills, MA 02481-9106
*Variable Universal Life Policies* • PAC: download and complete the VUL Pre-Authorized Check Form. List the policy number(s) and submit it with a voided check. • Direct Billing: Download and complete the VUL Policy Change Form, including the policy number(s). Call: 1-866-702-6998 Mail to: Sun Life Insurance and Annuity Company of New York Attn: VUL Service Center, SC 1275 PO Box 9191 Wellesley Hills, MA 02481-9191
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Where do I send premium payments? *Variable Universal Life Policies* What's needed: Send a check for the premium amount due. Make the check payable to Sun Life Insurance and Annuity Company of New York and include the policy number on the check. Call: 1-866-702-6998 Mail to: Sun Life Insurance and Annuity Company of New York VUL Service Center SC 1275 P.O. Box 9191 Wellesley Hills, MA 02481-9191 Fax to: 1-888-863-8311
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Claims Information How do I submit a death claim? What's needed:The designated beneficiary will need to download and complete the Death Claim form, as well as provide proof of death (i.e., certified copy of the death certificate or a notarized attending physician's statement). Sun Life Insurance and Annuity Company of New York pays death benefit proceeds directly to the named beneficiary via an interest bearing account, the Sun Financial Benefit Account. For beneficiaries' convenience, the account offers checkwriting privileges, allowing them to write a check for all or part of the funds as needed, leaving the account open as long as they desire. Beneficiaries will receive a monthly statement showing all checks written and interest credited to the account. (Due to various state regulations, there are some states where we do not offer this payout option automatically.)
*Traditional Policies* Call: 1-800-862-6266 Mail to: Sun Life Financial Attn: Claim Dept., SC 1271 One Sun Life Executive Park Wellesley Hills, MA 02481 Fax to: 1-888-863-8311 Email	*Variable Universal Life Policies* Call: 1-866-702-6998 Mail to: Sun Life Insurance and Annuity Company of New York Attn: VUL Service Center, SC 1275 PO Box 9191 Wellesley Hills, MA 02481-9191 Fax to: 1-888-863-8311 Email
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How do I submit a waiver of premium claim? What's needed: To expedite your claim, call or send your request to obtain the Claim Forms, including the following information: • name of the insured and policy owner (if different) • policy number(s) • the date the disability commenced and the cause of disability; and • address confirmation for mailing the necessary forms One of our representatives will return your call within 24 hours, or if you wish, mail you the information within 5 days. The claimant will need to complete the Waiver of Premium Claim Form and an authorization to obtain additional medical information if necessary, provide a Physician's Statement completed by the treating physician, and provide a statement from his or her employer. Upon receipt of the necessary requirements, we will inform you of the decision to waive the premium within 5 days. To be eligible, your policy must have a Waiver of Premium benefit. Disability must be for a duration of at least six months, in accordance with the policy's waiting period provision. The company must be notified while (a) the disability is ongoing during the insured's lifetime and (b) as long as the policy is in force.
*Traditional Policies* Call: 1-800-862-6266 Mail to: Sun Life Financial Attn: Claim Dept., SC 1271 One Sun Life Executive Park Wellesley Hills, MA 02481 Fax to: 1-888-863-8311 Email	*Variable Universal Life Policies* Call: 1-866-702-6998 Mail to: Sun Life Insurance and Annuity Company of New York Attn: VUL Service Center, SC 1275 PO Box 9191 Wellesley Hills, MA 02481-9191 Fax to: 1-888-863-8311 Email
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What is the accelerated death benefit provision, also known as a living benefit provision? This provision allows the policy owner to access a portion of the face amount in advance should the insured become terminally ill. How do I submit an accelerated death benefit claim? What's needed: To expedite your claim or confirm your policy's eligibility, call or send your request, including the following information: • name of the insured and policy owner (if different) • policy number(s) • the date the disability commenced and the cause of disability; and • the amount of desired benefit (any amount up to 75% of the face amount, maximum benefit of $250,000)
*Traditional Policies* Call: 1-800-862-6266 Mail to: Sun Life Financial Attn: Claim Dept., SC 1271 One Sun Life Executive Park Wellesley Hills, MA 02481 Fax to: 1-888-863-8311	*Variable Universal Life Policies* Call: 1-866-702-6998 Mail to: Sun Life Insurance and Annuity Company of New York Attn: VUL Service Center, SC 1275 PO Box 9191 Wellesley Hills, MA 02481-9191 Fax to: 1-888-863-8311
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How do I check the status of any of my individual life claims? What's needed: Call or send your request, including policy number(s). One of our representatives will return your call within 24 hours, or if you wish, send you a written notification within 5 days. Call: 1-800-862-6266 Mail to: Sun Life Financial Attn: Claim Dept., SC 1271 One Sun Life Executive Park Wellesley Hills, MA 02481 Fax to: 1-888-863-8311 Email
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How do I submit a Payment of Stipulated Amount claim? What's needed: To expedite your claim, call or send your request to obtain the Claim Forms, including the following information: • name of the insured and policy owner (if different) • policy number(s) • the date the disability commenced and the cause of disability; and • address confirmation for mailing the necessary forms. A Sun Life Insurance and Annuity Company of New York representative will return your call within 24 hours, or if you wish, mail you the information within 5 days. The claimant will need to complete the Disability Claim Package and an authorization to obtain additional medical information if necessary, provide a Physician's Statement completed by the treating physician, and provide a statement from his or her employer. Upon receipt of the necessary requirements, the company will inform you of the decision to waive the premium within 5 days. To be eligible, your policy must have a Payment of Stipulated Amount benefit. Disability must be for a duration of at least six months, in accordance with the policy's waiting period provision. The company must be notified while (a) the disability is ongoing during the insured's lifetime and (b) as long as the policy is in force. Call: 1-866-702-6998 Mail to: Sun Life Insurance and Annuity Company of New York Attn: VUL Service Center, SC 1275 PO Box 9191 Wellesley Hills, MA 02481-9191 Fax to: 1-888-863-8311 Email
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What is IRS Form 712 and when is it needed? IRS Form 712 is a statement that provides life insurance policy values as of the date of an insured's or policy owner's death, or at the time a life insurance policy is transferred as a gift. The IRS requires that this statement be included when an estate (or gift) tax return is filed. How do I obtain IRS Form 712? What's needed: Call or send your request, including the policy number(s). If the deceased is the policy owner, please include an address for mailing.
*Traditional Policies* Call: 1-800-862-6266 Mail to: Sun Life Financial Attn: Claim Dept., SC 1271 One Sun Life Executive Park Wellesley Hills, MA 02481 Fax to: 1-888-863-8311 Email	*Variable Universal Life Policies* Call: 1-866-702-6998 Mail to: Sun Life Insurance and Annuity Company of New York Attn: VUL Service Center, SC 1275 PO Box 9191 Wellesley Hills, MA 02481-9191 Fax to: 1-888-863-8311 Email
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Withdrawals and Loans How do I make a policy loan? What's needed: To make a policy loan in CustomerLink, call or send your request including the policy numbers(s) and policy owner signature. Note: loan requests of $10,000 or less may be made over the phone; requests over that amount must be made in writing. While one of the many advantages of buying cash value life insurance is the ability to take loans against the accumulated values, loans can have an adverse effect on the contract. We recommend that you contact us prior to making a policy loan to ensure that you have the information you need to make an informed decision.
*Traditional Policies* Call: 1-800-862-6266 Mail to: Sun Life Financial Attn: Disbursement Dept., SC 1233 PO Box 9106 Wellesley Hills, MA 02481-9106	*Variable Universal Life Policies* Call: 1-866-702-6998 Mail to: Sun Life Insurance and Annuity Company of New York Attn: VUL Service Center, SC 1275 PO Box 9191 Wellesley Hills, MA 02481-9191 Fax to: 1-888-863-8311
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How do I set up a loan repayment plan? *Traditional Policies* What's needed: You can set up a loan repayment plan in one of two ways: • PAC: the loan repayment will be automatically drafted from your checking account. Download and complete the Pre-Authorized Check Form. List policy numbers and submit with a voided check. • Loan Repayment Notice: Download and complete the Policy Service Request Form, including the policy number(s). Call: 1-800-862-6266 Mail to: Sun Life Financial Attn: PAC Dept., SC 1037 (loan repayments by PAC only) Attn: Collections Dept., SC 1242 (loan repayments by Direct Billing only) PO Box 9106 Wellesley Hills, MA 02481-9106
*Variable Universal Life Policies* What's needed: You can set up a loan repayment plan in one of two ways: • PAC: the loan repayment will be automatically drafted from your checking account. Download and complete the VUL Pre-Authorized Check Form. List policy numbers and submit with a voided check. • Loan Repayment Notice: Download and complete the VUL Policy Change Form, including the policy number(s). Call: 1-866-702-6998 Mail to: Sun Life Insurance and Annuity Company of New York VUL Service Center SC 1275 P.O. Box 9191 Wellesley Hills, MA 02481-9191 Fax to: 1-888-863-8311
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Variable Universal Life Inquiries How do I transfer values between sub-accounts? What's needed: Download and complete the VUL Fund Transfer Form Call: 1-866-702-6998 Mail to: Sun Life Insurance and Annuity Company of New York VUL Service Center SC 1275 P.O. Box 9191 Wellesley Hills, MA 02481-9191 Fax to: 1-888-863-8311
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How do I change my future payment allocations? What's needed: Download and complete the Payment Allocation and Portfolio Rebalancing program form. Call: 1-866-702-6998 Mail to: Sun Life Insurance and Annuity Company of New York VUL Service Center SC 1275 P.O. Box 9191 Wellesley Hills, MA 02481-9191 Fax to: 1-888-863-8311
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How do I set up, change or discontinue participation in the Dollar Cost Averaging program? What's needed: Download and complete the Dollar Cost Averaging Form. Call: 1-866-702-6998 Mail to: Sun Life Insurance and Annuity Company of New York VUL Service Center SC 1275 P.O. Box 9191 Wellesley Hills, MA 02481-9191 Fax to: 1-888-863-8311
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How do I set up, change or discontinue participation in an Asset Allocation Program? What's needed: Download and complete the Asset Allocation Program Form. Call: 1-866-702-6998 Mail to: Sun Life Insurance and Annuity Company of New York VUL Service Center SC 1275 P.O. Box 9191 Wellesley Hills, MA 02481-9191 Fax to: 1-888-863-8311
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How do I set up, change, or discontinue participation in the Portfolio Rebalancing Program? What's needed: Download and complete the Payment Allocation and Portfolio Rebalancing Program Form. Call: 1-866-702-6998 Mail to: Sun Life Insurance and Annuity Company of New York VUL Service Center SC 1275 P.O. Box 9191 Wellesley Hills, MA 02481-9191 Fax to: 1-888-863-8311
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How do I get an on-demand statement? What's needed: Call or send your request including the policy numbers(s) and owner name. This report will be mailed to the policy owner's address on record. Call: To obtain a policy statement, send us an Email through FinancialProLink. You can also access our automated information system by calling 1-866-702-6998. Mail to: Sun Life Insurance and Annuity Company of New York VUL Service Center SC 1275 P.O. Box 9191 Wellesley Hills, MA 02481-9191 Fax to: 1-888-863-8311 Email
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How do I get information about sub-account performance? Call: You may access performance information by using our automated information system. Call 1-866-702-6998. Mail to: Sun Life Insurance and Annuity Company of New York VUL Service Center SC 1275 P.O. Box 9191 Wellesley Hills, MA 02481-9191 Fax to: 1-888-863-8311
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12/00 SLPC 6511