Trust-based pensions

Flexible and tailored pension solutions

What we offer

Our trust-based pensions are aimed at medium to large employers, offering specialist governance, implementation and asset transition services.

Our trust-based pension schemes

We offer several different trust-based pension schemes.

The value of investments can go down as well as up and members may get back less than has been paid in.

Aviva Master Trust

Aimed at medium to large employers, the Aviva Master Trust combines expert governance with quality investment choice. We can tailor each employer's section to suit their needs.

Own Rules Trust

This scheme is overseen by your own board of trustees. We work directly with the board to provide administration services and retirement benefits for members.

Group Additional Voluntary Contribution

Our group AVC plan sits alongside an employer’s occupational scheme and lets members pay in extra to build up their personal fund.

Section 32 Buy-out

Gives employers and trustees a hassle-free way to either wind up a scheme or transfer deferred members. It offers security and peace of mind for both trustees and members.


Aviva Master Trust

Authorised by the Pensions Regulator, the Aviva Master Trust is a fully independent solution to providing a hassle-free workplace pension scheme.

A recognised high-quality scheme, it offers a range of benefits and choice of investment options, delivering value to members whilst taking care of compliance and governance.

Why choose us?

Tailored solutions

Our trust solutions are designed to look after what an employer needs, but we know that every company is unique. It's why we tailor our products to ensure we can suit each company's different requirements. Our specialists will work with you and the trustees to get the best fit for your company and the best outcome for your members.

Stability & credibility

We've been around for more than 325 years and have 18.5 million customers across the UK, Ireland and Canada. As a composite insurer, we're able to diversify our risk across different markets. We've had consistently strong ratings from major credit rating agencies, and we continue to be a trusted name in the industry.

Investment solutions

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