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You don't have to retire now. If you're not ready to give up work or think you can't afford to retire yet, you just need to let your pension provider know. Basically, it's up to you when you want to take your retirement benefits. You just need to remember that with Aviva, you must do something with your pension fund before your 75th birthday. For further information please refer to our FAQs - Can I retire after I'm 75?

If you have a pension plan with Aviva, call us on 0800 533 5195 to talk to us about your pension plan.

Things to do

  • First, you need to tell your pension provider that you don't want to take your retirement benefits yet.
  • Make sure you contact all your pension providers. If you're not sure how many pension plans you have, you can ask The Pension Tracing Service for help.
  • Think about when you may want to retire as your pension providers may ask you for a new retirement date.
  • You may qualify for the State pension, which you can take without taking your retirement benefits. You can find out more about this at

Related FAQs

What happens to my fund value if I choose to delay my retirement?

If you're invested in a unit-linked fund, the fund value can go up and down. The degree of fluctuation will depend on the type of fund you're invested in. If your money is in a high risk fund, the value is likely to fluctuate to a greater degree than if it was in a lower risk fund.

If you're invested in a with-profits fund, the value can go up and down. We may apply a market value reduction if you delay your retirement and continue to invest in the fund.

If you're invested in a unit-linked fund or a with-profits fund then you may get back less than the amount paid in.

You should check with your financial adviser or pension provider about the implications of delaying your retirement before you make your final decision.

Read all FAQs

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Contact us

If you are an existing Aviva customer and would like further information on retirement please call:

0800 533 5195

Monday - Friday
9.00am - 5.00pm

For our joint protection, telephone calls may be recorded and/or monitored.

Tools & Calculators

We've got a number of calculators to help you get your finances under control.


Register for our online service where you can securely access details of your existing policy.

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