Your AVCs. Your future.

New customer looking to apply?

Apply for an AVC plan

Existing customer looking to increase?

Increase your AVC pot

It’s never too soon or too late to think about the difference you could make to your lifestyle later in life. In addition to your NHS pension scheme, Additional Voluntary Contributions (AVCs) could be just the thing to help your pension pot go further.

Find out how AVCs could help you. We cover the basics and all the important details too. AVCs are investments so the value of your fund can go down as well as up so you might get back less than you put in.

Important information about the Prudential UK Property Fund – please read

An important update on Covid-19 and your investments – please read

Here’s some Frequently Asked Questions about the impact of Covid-19 for our customers – please read

Understanding your AVCs

Infographic step 1

What’s an AVC?

A quick introduction to AVCs and how they work

Read more
Infographic step 2

AVCs and tax savings

The impact of tax saving on your AVC

Read more
Infographic step 3

How AVCs could help you

How AVCs could fit into your plans for the future

Read more
Infographic step 4

Flexible paying in, flexible paying out

Choose how you build and access your AVC pot 

Read more

Investment choices made simple

1. Understand the investment options you have available

Default investment option

If you’d rather not make you own investment choices this option could be for you. The default investment fund may be a single fund or a lifestyle option.

Lifestyle option

This option is for members who want to take more or less risk than the default option. There are a range of lifestyles available which target a specific outcome as you get closer to taking your benefits.

Choose your funds

If you’re comfortable choosing your own funds, you can choose up to ten from the risk rated funds available. This could be a good choice if you’re happy being in charge of your investments and fully understand the risks involved.


2. Read about the funds available to help you decide

  • Check your Fund Guide for more information and to see which of these options are available to you. If you want information on a particular fund, click on the fund name in your Fund Guide to go to the fund factsheet.
  • It’s up to you to decide which investment option is right for your needs. Watch our 'Understanding your investment options' video for more information.
  • These options aren’t a recommendation from Prudential. If you’re still unsure, speak to a financial adviser.

3. Make a note of your choice

  • You need to choose which investment option you want before you apply. Once you’ve made a decision, write it down so you have it to hand when you apply.

  • And don’t worry, you can change your investment choice at any time in the future – before, or after you’ve applied.

AVCs are investments so the value of your fund can go down as well as up so you might get back less than you put in.

Before you apply for AVCs

It takes approximately 15 minutes to apply, and you can do this by printing off and returning the completed application form or
by calling us.

To apply, you need:
  • bullet your payslip
  • bullet your investment choice
You need to call us if:
  • bullet you want to contribute more than 80% of your gross regular pensionable pay or exceed the £40,000 annual allowance

View an example payslip

You need to read the documents below before you apply. They have important information about the charges, costs, risks and benefits of the product and the funds to help you make a decision.

To download and save and/or print these documents for future reference, you should ensure that you have a PDF file reader program installed - Adobe has a free reader.


Important information

Prudential has given no advice on this investment. If you’re unsure if this product is suitable, please get financial advice.


You can complete our application form with a PDF file reader program installed - Adobe has a free reader.
After you've completed the form, you'll need to print it off and sign it before posting it to us at - Prudential, Lancing, BN15 8GB

Once we've processed your application, we'll post a letter to you with details of the first contribution from your salary. After you've got your confirmation letter you can register to manage your AVC plan online. Take a look at our online account user guide to see how you can get started.

Speak to a Retirement Specialist or apply by phone

You can also start your AVCs by calling our Retirement Specialist Team. They can’t give you advice, but they can help answer any questions you have about AVCs.

0800 640 9145 0800 640 9145

Monday to Friday from 9am to 5pm

To decrease your AVCs or for general enquiries about your existing AVC pot, please call our servicing team on 0345 600 0343. Lines are open Monday to Friday from 8.30am to 6pm.