AVCs - Your choice. Your future.

New customer looking to apply?

Are you a customer looking to change your existing AVC contributions?

Using your Online Service

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.

It’s never too early or too late to think about the difference you could make to your lifestyle later in life. In addition to your Local Government Pension Scheme (LGPS), Additional Voluntary Contributions (AVCs) could be just the thing to help your pension savings go further.

Find out how having an AVC plan alongside your LGPS could help you.

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.

What's an AVC?

AVCs could be just the thing to provide you with extra in retirement.

Tax savings

Building up your AVC pot could be easier than you think.

Flexible contributions

Change your contributions to suit your needs and circumstances.

Your investment choices

When it comes to choosing where to invest your AVCs, there's no need to feel overwhelmed.

Flexible ways to take your money

You have a number of options for taking your money.

Trusted provider partnership

Prudential is an appointed AVC provider to 72 of 99 Administering Authorities within the LGPS.

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.

1. Understand the different options available to you


(If available)                              

If you’d rather not make your own investment choices this option could be for you. If your scheme offers a default investment fund, this 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. Find out more to help you decide

  • ·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 unbiased.co.uk

Choose your Fund Guide

3. Choose your investment option

  • You need to choose an investment option before you apply for an AVC plan. But don't worry, you can change how you’re invested 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.

Our online service allows you to keep track and manage your investments whenever you like. By registering, you'll be able to

  • check your plan value
  • see how your funds are performing
  • monitor your contributions and transactions
  • change how you're invested
  • change your AVC contributions
  • change your selected retirement age
  • change your personal and employer details
  • 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. If you would still prefer paper then you can switch this back on by updating your preferences.

You can register for our Online Service once you've received your confirmation email or letter confirming your application has been processed.

It takes approximately 15 minutes to apply online.

To apply, you'll need

  • your payslip and
  • to have chosen an investment option mentioned above
  • To confirm your employer and payroll providers name and address along with your pay frequency – if the information you provide is incorrect it may delay us setting up your plan.

 You'll need to call us if

  • you want to exceed the £60,000 annual allowance or
  • you change employer in the future.

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

Apply for a Salary Sacrifice Shared Cost AVC plan

 I confirm I have read my employer information pack.

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.

Once we've processed your application, we'll send an email to you (if you’ve provided an email to us), otherwise we’ll post a letter to you with details of the first contribution from your salary. After you've got your confirmation email or letter you can register to manage your AVC plan online.

If you've been advised by your employer to apply for a Standard Local Government AVC then please go to our Standard Local Government AVC page.

Once you’ve applied for an AVC plan, our AVC support team will be available to help you with any general enquiries. Please call

Lines are open Monday – Friday, 8:30am – 6:00pm. We might record your call for training and quality purposes. To find out more about how we use your personal data please visit pru.co.uk/mydata.

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