Defence
Information relating to AVCs and Added Years for members of the Armed Forces
AFPS 75 Improved Death In Service (DIS) Benefit AVC
- I am a member of AFPS 75 and wish to start a new DIS AVC
If you wish to start a contract to increase the DIS lump sum from three to four times representative pay you should complete AFPS Form 4 (linked on the right)
AFPS 75 Improved Spouse Benefits and Headroom on Pay AVCs
- I am a member of AFPS 75 and wish to start a new Spouse or Headroom AVC
If you were not previously paying for a spouse or headroom AVC and wish to start a contract you should complete AFPS Form 4 (linked on the right)
Added Years AVCs
I am a member of AFPS 05 and:
- want to start a new Added Years AVC
The factors to calculate the cost of Added Years are linked on the right. You should complete AFPS Form 5 (linked on the right).
I am a member of AFPS 75 and:
- want to change or stop my Added Years AVC
Once a contract is entered into, the level of contribution cannot be increased or decreased and only in highly exceptional circumstances can it be stopped).
want to start a new Added Years AVC
The factors to calculate the cost of Added Years are linked on the right. You should complete AFPS Form 5 (linked on the right)
Stakeholder Pensions
Stakeholder pensions are available with the MOD's preferred provider, Scottish Widows. Stakeholder pensions do not affect AFPS benefits but help individuals maximise their retirement benefits and allow members to save in a tax-efficient way. The Armed Forces have negotiated a specially reduced annual management charge of 0.8 percent. For further information on this scheme, please contact:
Scottish Widows Armed Forces on 0845 608 0376 or if calling from abroad +44 131 655 6600. See the links on the right for web address and email address.
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