Increase your Additional Voluntary Contributions if you'd like the chance to retire early, or retire with more money.

Existing customer looking to change your AVC contributions?

Change/restart your AVC contributions

New customer looking to apply?

Apply for an AVC plan

Customer update on servicing

Our servicing teams are extremely busy and we’re aware some customers are experiencing lengthy delays. We apologise for any inconvenience this may be causing. This is not the service we want to provide. Please be assured, we’re actively working to resolve this position as soon as we can.

There are other ways to get information about your policy. For most of our products, you can manage your policy online by logging in or registering for your Online Service. Registration is easy and only takes five minutes – all you need is your policy number. There are a small number of products not currently available online, and these are listed on the registration page.

How often do you check your Additional Voluntary Contribution (AVC) value?

Whatever you want to do when you stop working, make sure you’re on track to secure the kind of lifestyle you want in retirement.

Give yourself a reminder of how AVCs could help you. We cover the basics and all the important details too. Don't forget though, an AVC plan is separate to your pension plan. So before you change your AVC contributions, check your payslip to see if you have an AVC plan set up.

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

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

Your AVCs

Your AVCs

Your AVCs could provide you with extra in retirement.

Read more

Tax savings

Adding to your AVC pot could be easier than you think. 

Read more

Flexible contributions

Change your contributions to suit your needs and circumstances.

Read more

Changing your investment

Check your investment choices online and switch whenever you want to.

Read more

Flexible ways to take your money

You have a number of options for taking your money.

Read more

Trusted provider partnership

Prudential has been helping NHS members save for their retirement since 2001.

Read more


We have tools to help you estimate the tax you may pay based on your earnings and how much monthly pension contributions could add up to in retirement. 

Income Tax Calculator

This calculator will provide an estimate of how much Income Tax and National Insurance you may pay, based on your earnings. You can also use it to find out how much tax relief you could get on your pension contributions.

Retirement Contributions Calculator

This calculator shows you how much your monthly pension contributions could add up to in retirement. The figures are only a guide based on the details you enter.

Your investment options made simple

1. Understand the different investment options available to you


(if available)

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

Lifestyle strategy

(if available)

A ready-made investment strategy managed by us, for you. There are different lifestyle options to choose from to suit your retirement plans, but all aim to protect the value of your investment from large fluctuations as you approach retirement.

Manage your own

If you’re comfortable choosing your own funds, you can choose up to 10 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. How you’re currently invested

  • It's important you understand these options so that you're invested in a way that suits your retirement plans.
  • Review your current investment choice and if you’d like to change it, check your Fund Guide and watch our Understanding your investment options video for more information. Or if you want information on a particular fund, click on the fund name in your Fund Guide to go to the fund factsheet. 

These options aren’t a recommendation from Prudential. If you’re still unsure, you should speak to your financial adviser if you have one. If you don't have one, you can search for an independent financial adviser in your area by visiting


3. How you’re currently invested

  • How you're invested is up to you. You can change your investment option at any time using our online service.

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

Keep track of your investment online.

Don't forget, our online service allows you to keep track and manage your investments whenever you like. Just login, or register if you haven't already, to


  • bullet check your plan value
  • bullet see how your funds are performing
  • bullet monitor your contributions and transactions
  • bullet change how you're invested
  • bullet change your AVC contributions
  • bullet change your selected retirement age
  • bullet change your personal and employer details
  • bullet contact us securely.

Registering also means going paperless, though there are some documents not available online yet, so we’ll continue to send you those in the post while we work on expanding our online documents.

Login now

Before you change your AVC contributions

It takes approximately 15 minutes to change your AVC contributions online.

To change your contribution, you'll need
  • bullet your payslip and
  • bullet to register for and/or login to our online service.
You'll need to call us if
  • bullet you want to pay by cheque and/or
  • bullet you want to exceed the £40,000 Annual Allowance.

View an example payslip

You need to read the documents below before you increase. 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.


Ready to change your AVC contributions?

Our online form is secure. Once you start this application, any data you enter will be temporarily stored by Prudential and its business partners. The data will be deleted if you don't submit the form.


If JavaScript has been disabled within your browser, the content and functionality of the online form might be limited or unavailable. Read instructions for enabling JavaScript. We'd also recommend you upgrade to the latest version of your internet browser for an optimal experience. 

Once you've changed your AVC contributions, you’ll receive a confirmation email. Remember you can go online to manage your AVC contributions.

To pay by cheque please fill out this application form, and send it back to us, along with your cheque.

Additional support

For general enquiries about your existing AVC plan, call our support team on

0345 600 0343 0345 600 0343

 Lines are open Monday – Friday, 8.30am – 6.00pm.

You can also send us a secure message once you register for our online service.