PARTICIPATION AGREEMENT AMENDMENT NO. 5

EXHIBIT (8h)(i)

PARTICIPATION AGREEMENT

AMENDMENT NO. 5

This Agreement, made and entered into as of the 30thday of April, 2001 and amended on September 1, 2001, April 1, 2002, August 5, 2002 and December 31, 2002 (the "Agreement") by and among SUN LIFE ASSURANCE COMPANY OF CANADA (U.S.), a life insurance company organized as a corporation under the laws of the State of Delaware, SUN LIFE INSURANCE AND ANNUITY COMPANY OF NEW YORK, an insurance company organized under the laws of the State of New York, (each of which is hereinafter referred to as the "Company") on its own behalf and on behalf of each separate account of the Company set forth on Schedule A hereto as may be amended from time to time (each such account hereinafter referred to as the "Account"), RYDEX VARIABLE TRUST (hereinafter the "Trust"), a Delaware business trust, and RYDEX DISTRIBUTORS, INC. (hereinafter the "Underwriter"), a Maryland corporation, is hereby amended as follows:

1. Schedule A and Schedule B are hereby deleted in their entirety and replaced with the following:

Schedule A

Separate Accounts and Associated Contracts

Shares of the Funds of the Trust shall be made available as investments for the following Separate Accounts:

Name of Separate Account and	Form Number and Name of Contract
Date Established by Board of Directors	Funded By Separate Account

Sun Life of Canada (U.S.) Variable Account F	Futurity II Variable and Fixed Annuity Contract
July 13, 1989	RP-GR-CONT-98-1
	RP-IND-MVA-98-1

	Futurity III Variable and Fixed Annuity Contract
	RCH-IND-MVA-00-1
	RCH-GR-CERT-00-1
	RCH-INDMVAPR-00-1
	RCH-GRCERT-PR-00-1

	Futurity Focus II Variable and Fixed Annuity Contract
	FII-IND-MVA-00-1
	FII-GR-CERT-00-1
	FII-IND-MVAPR-00-1
	FII-GR-CERTPR-00-1

Name of Separate Account and	Form Number and Name of Contract
Date Established by Board of Directors	Funded By Separate Account

Sun Life of Canada (U.S.) Variable Account F	Futurity Accolade Variable and Fixed Annuity
July 13, 1989	Contract
	FA-IND-MVA-99-1
	▇▇-▇▇-▇▇▇▇-▇▇-▇
	▇▇-▇▇▇-▇▇▇▇▇-▇▇-▇
	▇▇-▇▇-▇▇▇▇▇▇-▇▇-▇

	Futurity Select Four Variable and Fixed
	Annuity Contract
	RFF-IND-MVA-00-1
	RFF-GR-CERT-00-1
	RFF-INDMVAPR-00-1
	RFF-GRCERT-PR-00-1

	Futurity Select Four Plus Variable and Fixed
	Annuity Contract
	RFFII-IND-MVA-02
	RFFII-IND-MVAPR-0
	RFII-GR-CERT-02
	RFII-GR-CERTPR-02

	Futurity Select Seven Variable and Fixed
	Annuity Contract
	RCHII-IND-MVA-02

	Futurity Select Freedom Variable and Fixed
	Annuity Contract
	FIIII-IND-MVA-02

	Futurity Select Incentive Variable and Fixed
	Annuity Contract
	FAII-IND-MVA-02

	All-Star Variable and Fixed Annuity Contract
	RFFII-IND-MVA-02
	RFFII-IND-MVAPR-0
	RFII-GR-CERT-02
	RFII-GR-CERTPR-02

	All-Star Traditions Variable and Fixed
	Annuity Contract
	RCHII-IND-MVA-02

	All-Star Freedom Variable and Fixed
	Annuity Contract
	FIIII-IND-MVA-02

	All-Star Extra Variable and Fixed Annuity Contract
	FAII-IND-MVA-02

Name of Separate Account and	Form Number and Name of Contract
Date Established by Board of Directors	Funded By Separate Account

Sun Life of Canada (U.S.) Variable Account G	Sun Life Corporate Variable Universal Life Insurance
July 25, 1996	Policies
	VUL-COLI-97

	Futurity Corporate Variable Universal Life Insurance
	Policies
	VUL-COLI-97

Sun Life (N.Y.) Variable Account C	Futurity Accolade NY Variable and Fixed Annuity
October 18, 1985	Contract

Sun Life (N.Y.) KBL Variable Account A	Keyport Vista Variable Annuity Contract
February 6, 1998	DVA(1)/CERT(NY) and DVA(1)(NY)

	Keyport Charter Variable Annuity Contract
	DVA(1)/CERT(NY) and DVA(1)(NY)

	Keyport Latitude Variable Annuity Contract
	BVA(1)/CERT(NY) and BVA(1)(NY)

Sun Life (U.S.) Keyport Variable Account A	Keyport Vista Variable Annuity Contract
January 30, 1996	DVA(1)/CERT, DVA(1)/IND and DVA(1)

	Keyport Charter Variable Annuity Contract
	DVA(1)/CERT, DVA(1)/IND and DVA(1)

	Keyport Latitude Variable Annuity Contract
	BVA(1)/CERT, BVA(1)/IND and BVA(1)

	Rydex Annuity Variable Annuity Contract
	DVA(2)/RY

Schedule B

Available Funds of the Trust

The Separate Account(s) shown on Schedule A may invest in the following Portfolios of the Fund.

Financial Services
Health Care
Nova
OTC

Ursa Fund
Arktos Fund
Large-Cap Europe Fund
Large-Cap Japan Fund
Banking Fund
Basic Materials Fund
Biotechnology Fund
Consumer Products Fund
Electronics Fund
Energy Fund
Energy Services Fund
Internet Fund
Juno Fund
Leisure Fund
Medius Fund
Mekros Fund
Precious Metals Fund
Real Estate Fund
Retailing Fund
Technology Fund
Telecommunications Fund
Titan 500 Fund
Transportation Fund
Utilities Fund
U.S. Government Bond Fund
U.S. Government Money Market Fund
Velocity 100 Fund

IN WITNESS WHEREOF, each of the parties hereto has caused this Amendment to be executed in its name and on its behalf by its duly authorized representative as of December 31, 2003.

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


	By:	_________________________________________
		For the President

	Name: ▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇▇▇▇
	Title: Vice President, Annuities Division


	By:	_________________________________________
		For the Secretary

	Name: ▇▇▇▇▇▇ ▇. ▇▇▇▇
	Title: Assistant Vice President and Senior Counsel


	SUN LIFE INSURANCE AND ANNUITY COMPANY OF NEW YORK


	By:	_________________________________________
		For the President

	Name: ▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇▇▇▇
	Title: Vice President, Annuities


	By:	_________________________________________
		For the Secretary

	Name: ▇▇▇▇▇▇ ▇. ▇▇▇▇
	Title: Assistant Vice President and Senior Counsel


	RYDEX VARIABLE TRUST

	By:	_________________________________________
	Name:
	Title:


	RYDEX DISTRIBUTORS, INC.

	By:	_________________________________________
	Name:
	Title:

PARTICIPATION AGREEMENT AMENDMENT NO. 5

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