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Getting your clients' pension into shape means helping them take the right steps today to build the retirement lifestyle they want in the future. By understanding where they stand now, identifying any gaps, and making informed adjustments, your clients can improve their long-term financial wellbeing.
Our Customer Pensions Hub contains articles and videos that you can share with prospective clients. From understanding the value of using a Financial Broker to exploring the benefits of tax relief and pension consolidation, it offers practical insights to help them make informed pension decisions.
Your go-to resource for expert sales aids designed to support complex pension conversations with clients.
Our new digital claims solution designed to make retirement journeys faster and simpler for you and your clients.
Online keying is now available for ARF, PRSA and Retirement Bond policies with DocuSign for signature collection embedded in the full end-to-end digital journey.
You can also use DocuSign on retirement claim forms using our editable PDFs and collect the signatures digitally. Visit our Policy Alterations hub for details on requirements when making changes including Top-Ups to retirement policies.
Across a range of fund managers, risk profiles, asset classes, and investment styles, Aviva funds continue to perform strongly.
Explore our range of investment solutions, compare fund options and access key information including charges, product availability, fund managers and key documents.
A pension can only grow while income is coming in. If illness or injury prevents a client from working, pension contributions may stop, potentially impacting their long-term retirement plans.
Executive Income Protection helps protect income if a client is unable to work due to illness or injury. Pension Contribution Cover can help maintain pension contributions during a claim. Many self-employed clients may also benefit from tax relief on Income Protection premiums. Because protecting a pension isn't just about building it. It's about protecting the income that funds it.
For the Aviva Personal Pension Plan the minimum age is 19 next birthday and the maximum age is 72 next birthday.
There's no limit to the amount individuals can pay into their personal pension, but tax relief is only available on amounts up to a certain level depending on their income, their age and Revenue limits. This is set out in the table below:
| Age attained during the year | Tax relief limit (Baced on a percentage of earnings) |
|---|---|
| Under 30 | 15% |
| 30 to 39 | 20% |
| 40 to 49 | 25% |
| 50 to 54 | 30% |
| 55 to 59 | 35% |
| Aged 60 and above | 40% |
There's a limit on how much of a customer's earnings can be taken into account for the purposes of the above percentages. The maximum earnings limit is currently set at €115,000. So, if a customer's earnings are greater than this fugure their tax relief will only be based on their earnings up to €115,000 - anything above tht limit doesn't qualify for a tax relief.
Tax relief reduces the real cost of a pension. Customers receive tax relief (which falls within the limits set out above) on the money they put into a personal pension. An example of how this works is set out below:
Alternatively, if they pay income tax at the 20% rate, their tax relief will be €20 and their monthly net cost will be €80.
If they're self-employed, they'll need to include their pension contributions in their income tax returns to get tax relief. If they're an employee and their personal contributions are taken from their bank account, they can apply to their local inspector of taxes to have their tax credits adjusted to reflect their pension contributions.
Once they've put money into a personal pension they can't withdraw it until they reach at least age 60.
If they have to retire early beacuse of ill health, they can take their benefits from their personal pension immediately.
If they die before they retire, we'll pay the value of their Aviva Personal Pension to their estate. As with any inheritance, their beneficiaries may have to pay inheritance tax on any benefits we pay to them.
No. They can't transfer the rights to their Aviva Persoal Pension plan to a bank or another institution a security for a loan.
The minimum investment period for paying regular contributions to the Aviva Personal Pension is 3 years.
They can pay regular or single contributions to the Aviva Personal Pension. The Aviva Personal Pension can also accept transfers from other personal pensions. They can pay regular contributions by direct debit every month.
They can pay in a single contribution at anytime by electronic funds transfer. They can do this instead of, or as well as, paying regular contributions.
Yes. They can increase their contributions at any time. They can also reduce their contribution to the minimum allowed (which is €100 monthly or €1,000 yearly) or to take a break from making contributions if they want to.
However, don't forget that reducing or stopping their contributions will affect the value of their pension fund when they retire.
Yes. When taking out an Aviva Personal Pension, you can choose to have contributions increase by 5% each year.
Our seperate 'Retirement Guide' explains all of the various options that may be available to customers at retirement.
For the Aviva PRSA, the minimum age is 19 next birthday and the maximum age is 72 next birthday.
There’s no limit to the amount an individual can pay into their plan – and they can increase their contributions at any time – but tax relief is only available on amounts up to a certain level depending on their income, age and Revenue limits. This is set out in the table below:
| Age attained during the year | Tax relief limit |
| Under age 30 | 15% |
| 30 to 39 | 20% |
| 40 to 49 | 25% |
| 50 to 54 | 30% |
| 55 to 59 | 35% |
| Aged 60 and above | 40% |
Tax relief reduces the real cost of a pension. Customers do not have to pay tax on any money (which falls within the limits set out above) that they put into a PRSA. The tax they save is calculated at the highest rate of income tax that they pay (currently 20% or 40%). An example of how this works is set out below:
Monthly pension contribution = €100
Tax relief @ 40% = €40
Total net monthly cost = €60
Alternatively, if they pay income tax at the 20% rate, their tax relief will be €20 and their total net monthly cost will be €80.
How they get tax relief will depend on how contributions are paid to their PRSA.
If the contributions are deducted from their salary by their employer, the deduction will be made before PAYE is applied. Therefore, the tax relief will be effective immediately (at source).
If they pay the contribution directly to Aviva from their own bank account, they will need to make the necessary submissions to the Revenue in order to claim any tax relief due. We will issue your client with a PRSA Tax Certificate, a copy of which the Revenue may request as confirmation of the payment made to the PRSA.
Once they’ve put money into a PRSA, they can’t withdraw it until they reach their retirement age.
If they have to retire early because of ill health, they can take their benefits from their PRSA immediately.
If they die before they retire, we’ll pay the value of their Aviva PRSA to their estate. As with any inheritance, their beneficiaries may have to pay inheritance tax on any benefits we pay to them.
No. They can’t transfer the rights to their Aviva PRSA to a bank or another institution as security for a loan.
They can pay regular or single contributions to the Aviva PRSA. The Aviva PRSA can also accept transfers from other PRSAs (and any other relevant pensions). They can pay regular contributions by direct debit every month.
They can pay in a single contribution at anytime by electronic funds transfer. They can do this instead of, or as well as, paying regular contributions.
Yes. They can increase their contributions at any time. They can also reduce their contribution to the minimum allowed (which is €50 monthly or €600 yearly) or to take a break from making contributions if they want to.
However, don’t forget that reducing or stopping their contributions will affect the value of their pension fund when they retire.
Yes. When taking out an Aviva PRSA, you can choose to have contributions increase by 5% each year.
Our separate ‘Retirement Guide’ explains all of the various options that may be available to customers at retirement.
For the Aviva PRSA, the minimum age is 19 next birthday and the maximum age is 72 next birthday.
There’s no limit to the amount an individual can pay into their plan – and they can increase their contributions at any time – but tax relief is only available on amounts up to a certain level depending on their income, age and Revenue limits. This is set out in the table below:
| Age attained during the year | Tax relief limit |
| Under age 30 | 15% |
| 30 to 39 | 20% |
| 40 to 49 | 25% |
| 50 to 54 | 30% |
| 55 to 59 | 35% |
| Aged 60 and above | 40% |
Tax relief reduces the real cost of a pension. Customers do not have to pay tax on any money (which falls within the limits set out above) that they put into a PRSA. The tax they save is calculated at the highest rate of income tax that they pay (currently 20% or 40%). An example of how this works is set out below:
Monthly pension contribution = €100
Tax relief @ 40% = €40
Total net monthly cost = €60
Alternatively, if they pay income tax at the 20% rate, their tax relief will be €20 and their total net monthly cost will be €80.
How they get tax relief will depend on how contributions are paid to their PRSA.
If the contributions are deducted from their salary by their employer, the deduction will be made before PAYE is applied. Therefore, the tax relief will be effective immediately (at source).
If they pay the contribution directly to Aviva from their own bank account, they will need to make the necessary submissions to the Revenue in order to claim any tax relief due. We will issue your client with a PRSA Tax Certificate, a copy of which the Revenue may request as confirmation of the payment made to the PRSA.
Once they’ve put money into a PRSA, they can’t withdraw it until they reach their retirement age.
If they have to retire early because of ill health, they can take their benefits from their PRSA immediately.
If they die before they retire, we’ll pay the value of their Aviva PRSA to their estate. As with any inheritance, their beneficiaries may have to pay inheritance tax on any benefits we pay to them.
No. They can’t transfer the rights to their Aviva PRSA to a bank or another institution as security for a loan.
They can pay regular or single contributions to the Aviva PRSA. The Aviva PRSA can also accept transfers from other PRSAs (and any other relevant pensions). They can pay regular contributions by direct debit every month.
They can pay in a single contribution at anytime by electronic funds transfer. They can do this instead of, or as well as, paying regular contributions.
Yes. They can increase their contributions at any time. They can also reduce their contribution to the minimum allowed (which is €50 monthly or €600 yearly) or to take a break from making contributions if they want to.
However, don’t forget that reducing or stopping their contributions will affect the value of their pension fund when they retire.
Yes. When taking out an Aviva PRSA, you can choose to have contributions increase by 5% each year.
Our separate ‘Retirement Guide’ explains all of the various options that may be available to customers at retirement.
The bond is set up by the Trustees of the company pension. They apply for the bond in the customers name but once it is set up it belongs to the customer and the Trustees have no further involvement in it.
The customer. Even though the Trustees have to sign the application form, the customer can generally choose any Retirement Bond available in the market.
When transferring a pension fund on a customer’s behalf, the Trustee of the pension scheme must have the customer’s consent. However, there are certain circumstances whereby a Trustee can transfer a fund without consent. These include but are not limited to:
Where the value of the fund is greater than €10,000 the Trustees can apply to the Pensions Authority for approval to transfer the benefits. The Pensions Authority may approve such a transfer subject to certain criteria being met.
Once they’ve put money into a Retirement Bond they can’t withdraw it until they reach at least age 60. There are two exceptions to this – they can retire at any age due to ill health or if they have left service then they can access benefits from their Retirement Bond from age 50
If they qualify for ill health early retirement under Revenue rules, they can take benefits from their Retirement Bond immediately.
If a customer dies before they retire, we’ll pay the value of their Aviva Personal Retirement Bond to their personal representatives. In certain limited circumstances, the full value may not be payable as a lump sum. As with any inheritance, their beneficiary(ies) may have to pay inheritance tax on any benefits we pay to them.
No. They can’t transfer the rights to their Aviva Personal Retirement Bond to a bank or another institution as security for a loan.
The minimum investment period for the Aviva Personal Retirement Bond is 3 years.
They can pay single contributions to the Aviva Personal Retirement Bond and they can pay in their single contribution by electronic funds transfer.
Our separate ‘Retirement Guide’ explains all of the various options that may be available to customers at retirement.
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| Warning: The value of your investment can go down as well as up. Warning: Past performance is not a reliable guide to future performance. Warning: These funds may be impacted by changes in currency exchange rates. Warning: If you invest in this product you may lose some or all of the money you invest. |
Your Account Manager is on hand to support you in any way they can – get in touch.
Aviva Life & Pensions Ireland Designated Activity Company, is a private company limited by shares, registered in Ireland No. 165970. Registered office at Building 12, Cherrywood Business Park, Loughlinstown, Co. Dublin, D18 W2P5. Tel (01) 898 7950, www.aviva.ie
Aviva Life & Pensions Ireland Designated Activity Company, trading as Aviva Life & Pensions Ireland and Friends First, is regulated by the Central Bank of Ireland.
