Billing - PAC

The following billing schedules are used for life, long term care, critical illness insurance and accumulation annuity policies that are paid by pre-authorized chequing (PAC).

  • The Date column is the day the PAC withdrawal information is prepared for the client's bank.
  • The PAC withdrawal date is the actual date that the withdrawal occurs at the client's bank.
  • The Run date represents the date that Sun Life processes the transaction. The Run date differs from the PAC withdrawal date.

PAC schedule for 2025

Day of the week Date

PAC withdrawal date

Run date
WEDNESDAY 01-10-2025 3 02-10-2025
THURSDAY  02-10-2025 04-06 03-10-2025
FRIDAY    03-10-2025 7 06-10-2025
MONDAY    06-10-2025 8 07-10-2025
TUESDAY   07-10-2025 9 08-10-2025
WEDNESDAY 08-10-2025 10 09-10-2025
THURSDAY  09-10-2025 11-14 10-10-2025
FRIDAY    10-10-2025 15 14-10-2025
TUESDAY   14-10-2025 16 15-10-2025
WEDNESDAY 15-10-2025 17 16-10-2025
THURSDAY  16-10-2025 18-20 17-10-2025
FRIDAY    17-10-2025 21 20-10-2025
MONDAY    20-10-2025 22 21-10-2025
TUESDAY   21-10-2025 23 22-10-2025
WEDNESDAY 22-10-2025 24 23-10-2025
THURSDAY  23-10-2025 25-27 24-10-2025
FRIDAY    24-10-2025 28 27-10-2025
MONDAY    27-10-2025 29 28-10-2025
TUESDAY   28-10-2025 30 29-10-2025
WEDNESDAY 29-10-2025 31 30-10-2025
THURSDAY  30-10-2025 01-03 31-10-2025
FRIDAY    31-10-2025 4 03-11-2025

Day of the week Date

PAC withdrawal date

Run date
MONDAY 03-11-2025 5 04-11-2025
TUESDAY   04-11-2025 6 05-11-2025
WEDNESDAY 05-11-2025 7 06-11-2025
THURSDAY  06-11-2025 08-10 07-11-2025
FRIDAY    07-11-2025 11 10-11-2025
MONDAY    10-11-2025 12 11-11-2025
TUESDAY   11-11-2025 13 12-11-2025
WEDNESDAY 12-11-2025 14 13-11-2025
THURSDAY  13-11-2025 15-17 14-11-2025
FRIDAY    14-11-2025 18 17-11-2025
MONDAY    17-11-2025 19 18-11-2025
TUESDAY   18-11-2025 20 19-11-2025
WEDNESDAY 19-11-2025 21 20-11-2025
THURSDAY  20-11-2025 22-24 21-11-2025
FRIDAY    21-11-2025 25 24-11-2025
MONDAY    24-11-2025 26 25-11-2025
TUESDAY   25-11-2025 27 26-11-2025
WEDNESDAY 26-11-2025 28-30 27-11-2025
THURSDAY  27-11-2025 1 28-11-2025
FRIDAY    28-11-2025 2 01-12-2025

Day of the week Date

PAC withdrawal date

Run date
MONDAY 01-12-2025 3 02-12-2025
TUESDAY   02-12-2025 4 03-12-2025
WEDNESDAY 03-12-2025 5 04-12-2025
THURSDAY  04-12-2025 06-08 05-12-2025
FRIDAY    05-12-2025 9 08-12-2025
MONDAY    08-12-2025 10 09-12-2025
TUESDAY   09-12-2025 11 10-12-2025
WEDNESDAY 10-12-2025 12 11-12-2025
THURSDAY  11-12-2025 13-15 12-12-2025
FRIDAY    12-12-2025 16 15-12-2025
MONDAY    15-12-2025 17 16-12-2025
TUESDAY   16-12-2025 18 17-12-2025
WEDNESDAY 17-12-2025 19 18-12-2025
THURSDAY  18-12-2025 20-22 19-12-2025
FRIDAY    19-12-2025 23 22-12-2025
MONDAY    22-12-2025 24 23-12-2025
TUESDAY   23-12-2025 25-29 24-12-2025
WEDNESDAY 24-12-2025 30 29-12-2025
MONDAY    29-12-2025 31 30-12-2025
TUESDAY   30-12-2025 01-02 31-12-2025
WEDNESDAY 31-12-2025 03-05 02-01-2026

PAC schedule for 2026

Day of the week Date PAC Withdrawal Date Run Date
FRIDAY    02-01-2026 6 05-01-2026
MONDAY    05-01-2026 7 06-01-2026
TUESDAY   06-01-2026 8 07-01-2026
WEDNESDAY 07-01-2026 9 08-01-2026
THURSDAY  08-01-2026 10-12 09-01-2026
FRIDAY    09-01-2026 13 12-01-2026
MONDAY    12-01-2026 14 13-01-2026
TUESDAY   13-01-2026 15 14-01-2026
WEDNESDAY 14-01-2026 16 15-01-2026
THURSDAY  15-01-2026 17-19 16-01-2026
FRIDAY    16-01-2026 20 19-01-2026
MONDAY    19-01-2026 21 20-01-2026
TUESDAY   20-01-2026 22 21-01-2026
WEDNESDAY 21-01-2026 23 22-01-2026
THURSDAY  22-01-2026 24-26 23-01-2026
FRIDAY    23-01-2026 27 26-01-2026
MONDAY    26-01-2026 28 27-01-2026
TUESDAY   27-01-2026 29 28-01-2026
WEDNESDAY 28-01-2026 30-31 29-01-2026
THURSDAY  29-01-2026 1-2 30-01-2026
FRIDAY    30-01-2026 3 02-02-2026

Day of the week Date PAC Withdrawal Date Run Date
MONDAY    02-02-2026 4 03-02-2026
TUESDAY   03-02-2026 5 04-02-2026
WEDNESDAY 04-02-2026 6 05-02-2026
THURSDAY  05-02-2026 7-9 06-02-2026
FRIDAY    06-02-2026 10 09-02-2026
MONDAY    09-02-2026 11 10-02-2026
TUESDAY   10-02-2026 12 11-02-2026
WEDNESDAY 11-02-2026 13 12-02-2026
THURSDAY  12-02-2026 14-17 13-02-2026
FRIDAY    13-02-2026 18 17-02-2026
TUESDAY   17-02-2026 19 18-02-2026
WEDNESDAY 18-02-2026 20 19-02-2026
THURSDAY  19-02-2026 21-23 20-02-2026
FRIDAY    20-02-2026 24 23-02-2026
MONDAY    23-02-2026 25 24-02-2026
TUESDAY   24-02-2026 26 25-02-2026
WEDNESDAY 25-02-2026 27-28 26-02-2026
THURSDAY  26-02-2026 1-2 27-02-2026
FRIDAY    27-02-2026 3 02-03-2026

Day of the week Date PAC Withdrawal Date Run Date
MONDAY    02-03-2026 4 03-03-2026
TUESDAY   03-03-2026 5 04-03-2026
WEDNESDAY 04-03-2026 6 05-03-2026
THURSDAY  05-03-2026 7-9 06-03-2026
FRIDAY    06-03-2026 10 09-03-2026
MONDAY    09-03-2026 11 10-03-2026
TUESDAY   10-03-2026 12 11-03-2026
WEDNESDAY 11-03-2026 13 12-03-2026
THURSDAY  12-03-2026 14-16 13-03-2026
FRIDAY    13-03-2026 17 16-03-2026
MONDAY    16-03-2026 18 17-03-2026
TUESDAY   17-03-2026 19 18-03-2026
WEDNESDAY 18-03-2026 20 19-03-2026
THURSDAY  19-03-2026 21-23 20-03-2026
FRIDAY    20-03-2026 24 23-03-2026
MONDAY    23-03-2026 25 24-03-2026
TUESDAY   24-03-2026 26 25-03-2026
WEDNESDAY 25-03-2026 27 26-03-2026
THURSDAY  26-03-2026 28-30 27-03-2026
FRIDAY    27-03-2026 31 30-03-2026
MONDAY    30-03-2026 1 31-03-2026
TUESDAY   31-03-2026 2 01-04-2026

Day of the week Date PAC Withdrawal Date Run Date
WEDNESDAY 01-04-2026 3-6 02-04-2026
THURSDAY  02-04-2026 7 06-04-2026
MONDAY    06-04-2026 8 07-04-2026
TUESDAY   07-04-2026 9 08-04-2026
WEDNESDAY 08-04-2026 10 09-04-2026
THURSDAY  09-04-2026 11-13 10-04-2026
FRIDAY    10-04-2026 14 13-04-2026
MONDAY    13-04-2026 15 14-04-2026
TUESDAY   14-04-2026 16 15-04-2026
WEDNESDAY 15-04-2026 17 16-04-2026
THURSDAY  16-04-2026 18-20 17-04-2026
FRIDAY    17-04-2026 21 20-04-2026
MONDAY    20-04-2026 22 21-04-2026
TUESDAY   21-04-2026 23 22-04-2026
WEDNESDAY 22-04-2026 24 23-04-2026
THURSDAY  23-04-2026 25-27 24-04-2026
FRIDAY    24-04-2026 28 27-04-2026
MONDAY    27-04-2026 29 28-04-2026
TUESDAY   28-04-2026 30 29-04-2026
WEDNESDAY 29-04-2026 1 30-04-2026
THURSDAY  30-04-2026 2-4 01-05-2026

Day of the week Date PAC Withdrawal Date Run Date
FRIDAY    01-05-2026 5 04-05-2026
MONDAY    04-05-2026 6 05-05-2026
TUESDAY   05-05-2026 7 06-05-2026
WEDNESDAY 06-05-2026 8 07-05-2026
THURSDAY  07-05-2026 9-11 08-05-2026
FRIDAY    08-05-2026 12 11-05-2026
MONDAY    11-05-2026 13 12-05-2026
TUESDAY   12-05-2026 14 13-05-2026
WEDNESDAY 13-05-2026 15 14-05-2026
THURSDAY  14-05-2026 16-19 15-05-2026
FRIDAY    15-05-2026 20 19-05-2026
TUESDAY   19-05-2026 21 20-05-2026
WEDNESDAY 20-05-2026 22 21-05-2026
THURSDAY  21-05-2026 23-25 22-05-2026
FRIDAY    22-05-2026 26 25-05-2026
MONDAY    25-05-2026 27 26-05-2026
TUESDAY   26-05-2026 28 27-05-2026
WEDNESDAY 27-05-2026 29-31 28-05-2026
THURSDAY  28-05-2026 1 29-05-2026
FRIDAY    29-05-2026 2 01-06-2026

Day of the week Date PAC Withdrawal Date Run Date
MONDAY    01-06-2026 3 02-06-2026
TUESDAY   02-06-2026 4 03-06-2026
WEDNESDAY 03-06-2026 5 04-06-2026
THURSDAY  04-06-2026 6-8 05-06-2026
FRIDAY    05-06-2026 9 08-06-2026
MONDAY    08-06-2026 10 09-06-2026
TUESDAY   09-06-2026 11 10-06-2026
WEDNESDAY 10-06-2026 12 11-06-2026
THURSDAY  11-06-2026 13-15 12-06-2026
FRIDAY    12-06-2026 16 15-06-2026
MONDAY    15-06-2026 17 16-06-2026
TUESDAY   16-06-2026 18 17-06-2026
WEDNESDAY 17-06-2026 19 18-06-2026
THURSDAY  18-06-2026 20-22 19-06-2026
FRIDAY    19-06-2026 23 22-06-2026
MONDAY    22-06-2026 24 23-06-2026
TUESDAY   23-06-2026 25 24-06-2026
WEDNESDAY 24-06-2026 26 25-06-2026
THURSDAY  25-06-2026 27-29 26-06-2026
FRIDAY    26-06-2026 30 29-06-2026
MONDAY    29-06-2026 1-2 30-06-2026
TUESDAY   30-06-2026 3 02-07-2026

Day of the week Date PAC Withdrawal Date Run Date
THURSDAY  02-07-2026 4-6 03-07-2026
FRIDAY    03-07-2026 7 06-07-2026
MONDAY    06-07-2026 8 07-07-2026
TUESDAY   07-07-2026 9 08-07-2026
WEDNESDAY 08-07-2026 10 09-07-2026
THURSDAY  09-07-2026 11-13 10-07-2026
FRIDAY    10-07-2026 14 13-07-2026
MONDAY    13-07-2026 15 14-07-2026
TUESDAY   14-07-2026 16 15-07-2026
WEDNESDAY 15-07-2026 17 16-07-2026
THURSDAY  16-07-2026 18-20 17-07-2026
FRIDAY    17-07-2026 21 20-07-2026
MONDAY    20-07-2026 22 21-07-2026
TUESDAY   21-07-2026 23 22-07-2026
WEDNESDAY 22-07-2026 24 23-07-2026
THURSDAY  23-07-2026 25-27 24-07-2026
FRIDAY    24-07-2026 28 27-07-2026
MONDAY    27-07-2026 29 28-07-2026
TUESDAY   28-07-2026 30 29-07-2026
WEDNESDAY 29-07-2026 31 30-07-2026
THURSDAY  30-07-2026 1-4 31-07-2026
FRIDAY    31-07-2026 5 04-08-2026

Day of the week Date

PAC Withdrawal Date

Run Date
TUESDAY   04-08-2026 6 05-08-2026
WEDNESDAY 05-08-2026 7 06-08-2026
THURSDAY  06-08-2026 8-10 07-08-2026
FRIDAY    07-08-2026 11 10-08-2026
MONDAY    10-08-2026 12 11-08-2026
TUESDAY   11-08-2026 13 12-08-2026
WEDNESDAY 12-08-2026 14 13-08-2026
THURSDAY  13-08-2026 15-17 14-08-2026
FRIDAY    14-08-2026 18 17-08-2026
MONDAY    17-08-2026 19 18-08-2026
TUESDAY   18-08-2026 20 19-08-2026
WEDNESDAY 19-08-2026 21 20-08-2026
THURSDAY  20-08-2026 22-24 21-08-2026
FRIDAY    21-08-2026 25 24-08-2026
MONDAY    24-08-2026 26 25-08-2026
TUESDAY   25-08-2026 27 26-08-2026
WEDNESDAY 26-08-2026 28 27-08-2026
THURSDAY  27-08-2026 29-31 28-08-2026
FRIDAY    28-08-2026 1 31-08-2026
MONDAY    31-08-2026 2 01-09-2026

Day of the week Date PAC Withdrawal Date Run Date
TUESDAY   01-09-2026 3 02-09-2026
WEDNESDAY 02-09-2026 4 03-09-2026
THURSDAY  03-09-2026 5-8 04-09-2026
FRIDAY    04-09-2026 9 08-09-2026
TUESDAY   08-09-2026 10 09-09-2026
WEDNESDAY 09-09-2026 11 10-09-2026
THURSDAY  10-09-2026 12-14 11-09-2026
FRIDAY    11-09-2026 15 14-09-2026
MONDAY    14-09-2026 16 15-09-2026
TUESDAY   15-09-2026 17 16-09-2026
WEDNESDAY 16-09-2026 18 17-09-2026
THURSDAY  17-09-2026 19-21 18-09-2026
FRIDAY    18-09-2026 22 21-09-2026
MONDAY    21-09-2026 23 22-09-2026
TUESDAY   22-09-2026 24 23-09-2026
WEDNESDAY 23-09-2026 25 24-09-2026
THURSDAY  24-09-2026 26-28 25-09-2026
FRIDAY    25-09-2026 29 28-09-2026
MONDAY    28-09-2026 30 29-09-2026
TUESDAY   29-09-2026 1 30-09-2026
WEDNESDAY 30-09-2026 2 01-10-2026

Day of the week Date PAC Withdrawal Date Run Date
THURSDAY  01-10-2026 3-5 02-10-2026
FRIDAY    02-10-2026 6 05-10-2026
MONDAY    05-10-2026 7 06-10-2026
TUESDAY   06-10-2026 8 07-10-2026
WEDNESDAY 07-10-2026 9 08-10-2026
THURSDAY  08-10-2026 10-13 09-10-2026
FRIDAY    09-10-2026 14 13-10-2026
TUESDAY   13-10-2026 15 14-10-2026
WEDNESDAY 14-10-2026 16 15-10-2026
THURSDAY  15-10-2026 17-19 16-10-2026
FRIDAY    16-10-2026 20 19-10-2026
MONDAY    19-10-2026 21 20-10-2026
TUESDAY   20-10-2026 22 21-10-2026
WEDNESDAY 21-10-2026 23 22-10-2026
THURSDAY  22-10-2026 24-26 23-10-2026
FRIDAY    23-10-2026 27 26-10-2026
MONDAY    26-10-2026 28 27-10-2026
TUESDAY   27-10-2026 29 28-10-2026
WEDNESDAY 28-10-2026 30-31 29-10-2026
THURSDAY  29-10-2026 1-2 30-10-2026
FRIDAY    30-10-2026 3 02-11-2026

Day of the week Date PAC Withdrawal Date Run Date
MONDAY    02-11-2026 4 03-11-2026
TUESDAY   03-11-2026 5 04-11-2026
WEDNESDAY 04-11-2026 6 05-11-2026
THURSDAY  05-11-2026 7-9 06-11-2026
FRIDAY    06-11-2026 10 09-11-2026
MONDAY    09-11-2026 11 10-11-2026
TUESDAY   10-11-2026 12 11-11-2026
WEDNESDAY 11-11-2026 13 12-11-2026
THURSDAY  12-11-2026 14-16 13-11-2026
FRIDAY    13-11-2026 17 16-11-2026
MONDAY    16-11-2026 18 17-11-2026
TUESDAY   17-11-2026 19 18-11-2026
WEDNESDAY 18-11-2026 20 19-11-2026
THURSDAY  19-11-2026 21-23 20-11-2026
FRIDAY    20-11-2026 24 23-11-2026
MONDAY    23-11-2026 25 24-11-2026
TUESDAY   24-11-2026 26 25-11-2026
WEDNESDAY 25-11-2026 27 26-11-2026
THURSDAY  26-11-2026 28-30 27-11-2026
FRIDAY    27-11-2026 1 30-11-2026
MONDAY    30-11-2026 2 01-12-2026

Day of the week Date PAC Withdrawal Date Run Date
TUESDAY   01-12-2026 3 02-12-2026
WEDNESDAY 02-12-2026 4 03-12-2026
THURSDAY  03-12-2026 5-7 04-12-2026
FRIDAY    04-12-2026 8 07-12-2026
MONDAY    07-12-2026 9 08-12-2026
TUESDAY   08-12-2026 10 09-12-2026
WEDNESDAY 09-12-2026 11 10-12-2026
THURSDAY  10-12-2026 12-14 11-12-2026
FRIDAY    11-12-2026 15 14-12-2026
MONDAY    14-12-2026 16 15-12-2026
TUESDAY   15-12-2026 17 16-12-2026
WEDNESDAY 16-12-2026 18 17-12-2026
THURSDAY  17-12-2026 19-21 18-12-2026
FRIDAY    18-12-2026 22 21-12-2026
MONDAY    21-12-2026 23 22-12-2026
TUESDAY   22-12-2026 24 23-12-2026
WEDNESDAY 23-12-2026 25-29 24-12-2026
THURSDAY  24-12-2026 30 29-12-2026
TUESDAY   29-12-2026 31 30-12-2026
WEDNESDAY 30-12-2026 1-4 31-12-2026
THURSDAY  31-12-2026 5 04-01-2027