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Participating and adjustable policyholder information

The policies for Sun Life Assurance Company of Canada that relate to participating and adjustable policyholders are as follows:

Terms:

A participating policy is a life insurance policy that entitles the policyholder to participate (receive) any policy dividends declared by the insurance company's board of directors. Dividends are not guaranteed because they are based on the company's performance and experience over a given year.
An adjustable policy is a life insurance policy which allows the company to change the policy premium or other policy values to reflect certain changes in experience.