Additional Voluntary Contributions (AVCs)

Additional Voluntary Contributions (AVCs) are a way of boosting your pension or tax-free cash sum. You can find more information about how AVCs work in the Unite Pension Scheme on this page.

This document explains how AVCs work in the Unite Pension Scheme.

You should complete this form if you wish to start making AVCs or change the amount of your regular AVCs.

You should complete this form if you have also completed the “AVC Form”.



AVC factsheets

The Trustee recently reviewed the AVC arrangements, and has selected Legal and General as the new AVC provider from 1 October 2016. Details of this change were provided in an announcement dated 15 August 2016. Other useful information to accompany that announcement can be found below:

  • L&G Annuity Lifestyle Factsheet
  • L&G Cash Lifestyle Factsheet
  • L&G Drawdown Lifestyle Factsheet
  • L&G Multi-Asset Fund Factsheet

Legacy AVC arrangements

You can find information about AVCs made with legacy providers in the following documents.

  • ELAS Investment Option Details
  • ELAS With Profits Guide
  • Phoenix Life Policy Details - 1 January 2016
  • Prudential With Profits Guide