April 1, 1999


Dear Contract Owner:

All or part of the variable portion of your Futurity Contract is invested in
shares of one or more of the Emerging Markets Portfolio, International Equity
Portfolio, Post-Venture Portfolio or Small Company Growth Portfolio of Warburg
Pincus Trust (the "Trust"). The Board of Trustees of the Trust is soliciting
ballots in connection with certain proposals.

Although you are not a shareholder of the Trust, you do have the right to
instruct Sun Life Assurance Company of Canada (U.S.) (the "Insurance Company"),
issuer of the Contract, as to the manner in which the number of shares of the
Fund attributable to your Contract should be voted. The Insurance Company will
follow voting instructions received by May 20, 1999. Shares for which no timely
voting instructions are received will be voted by the Insurance Company in the
same proportion as the shares for which instructions are received from persons
having such right.

We have enclosed a copy of the Proxy Statement with some additional materials
from Warburg Pincus Funds and a card entitled "Voting Instructions". This card
is the only means for you to register your vote on the proposals to be acted
upon at the meeting. You cannot register your vote by contacting Warburg Pincus
Funds or their proxy solicitor directly. If you have any questions about the
voting procedure, please call (800) 752-7219, extension 9552.

Your vote on these matters is important. Please complete the Voting Instructions
Card and return it promptly in the envelope provided in order to ensure that all
the shares attributable to your Contract are voted by the Insurance Company.

Sincerely,



Robert K. Leach
Vice President
Retirement Products & Services