Abstract
When Pioneer Insurance started offering insurance for low-income households in 2007, it had one distribution partner – CARD MRI. Today, after ten years, Pioneer’s joint-venture with CARD MRI - CARD Pioneer Microinsurance – works with almost 100 institutional partners, has issued more than 18 million policies in 2016, and generated Php 936 million pesos (USD 19 million) of premiums. Pioneer Microinsurance is currently one of the biggest commercial microinsurance provider in the Philippines.