List of Pioneer Insurance Products and Branches in Kenya

This is a list of products offered by Pioneer Insurance and its branches in Kenya. It is one of the 56 licensed insurance companies in Kenya by the Insurance Regulatory Authority. The company has been operating in Kenya since 1930.

Pioneer Individual Life Assurance Products 

1. Jawabu Plan

This is an investment policy that allows you to save towards your future needs.

2. School Fees Plus Policy
This policy provides security for your children’s future.
3. Mavuno Policy
This policy grows your money over a period of time so that you are assured a partial or lump sum payment to help in meeting your financial goals. In addition, it provides the security that, should your death or permanent disability rob your family of its breadwinner.
4. Ekeza Policy
This is an anticipated endowment assurance with regular premiums payable to secure cover on death or survival with partial maturity payments at prescribed intervals. In addition, the policy attracts simple reversionary bonuses declared annually after the performance of the actuarial valuation of the life fund.
5. Family Master Plan Policy
This product is designed to suit the personal needs of an individual and his/her family. The plan provides insurance covers for self, immediate family and extended family.
6. Hazina Policy
This policy allows you to save your money and protect your loved ones while watching your funds grow over the years. The Policy Value increases steadily from the start of the policy as premium are paid while the Life Cover Benefit remains constant. In the unfortunate event of the death of the life assured, both the life cover benefit and the accumulated policy value will be paid to the named beneficiaries.
7. Income Guard Policy
This policy is designed to provide lump-sum benefits in case of death of the policyholder. It protects your income from uncertainties, thus affording you peace of mind to ensure you focus on income generation activities without worry.
8. Super Investor Policy
This product provides the perfect platform where you can save regularly, and your money is invested wisely by the Pioneer team to give you the best that the market has to offer. The plan is ideal for investors who require low to medium risk investment avenues offering liquidity as early as in the third year.
9.Endowment Policy
This policy is perfect for a retirement plan as well as a necessity for sound financial planning. It allows the insured to choose policy term from between 10 years and 30 years. It offers protection and is an attractive and secure medium of investment. Premiums are payable for a fixed number of years or until the death of the life assured.

10. Pioneer School Fees Policy

This policy secures your child’s future by providing a cover to their education. The life assured is sure to receive the desired school fees amount whether or not they survive to the end of the term.

Pioneer Group Life Assurance Products 

1. Group Life Assurance

This is a term insurance cover provided to a group of people (at least 10 ) who must exist for some purpose other than that of taking insurance. It is offered by an Employer or Association to its workers or members. The cover enables the employer/scheme holder to alleviate the financial distress that might befall the dependents of an insured member upon his/her death.

The cover has riders: Permanent Total Disability, Critical Illness, and Last Expense.

2. Group Credit Assurance

This policy protects the creditor from financial liabilities arising from the demise or disability of borrowers.

3. Group Last Expense
This policy provides for funeral costs for departed members.

4. Micro Insurance

This is a specialized group credit life insurance policy tailor-made to cover short-term loan balances for small scale businesses. This policy pays off the outstanding loan on reducing balance basis in the event of death or permanent disability.

5. Mortgage Protection

It is a group credit cover that provides protection to a mortgage lender in the event of Death or Permanent Total Disability of a borrower.

General Insurance Products 

1. Domestic Package

This policy covers your household and its contents. It is divided into the following sections.


Covers – Buildings, fences, outbuildings and walls against fire and perils, impact, explosion, earthquake, riot and strike, etc


Covers – Contents of all description while in a building occupied continuously by the proposer against fire & perils and theft.


Covers- Portable and/or delicate valuables like jewellery, watches, spectacles etc against fire and perils, theft and accidental damage. Details of items to be covered e.g. Make, Model, and serial Numbers should be provided.


Covers- Domestic workers for accidental injuries or sickness while in the course of duty. Domestic workers would include indoor servants, outdoor servants (gardeners, stablemen), drivers, watchmen etc.


Covers- House Owner’s against personal liability to third parties in and out of the premises. Duty of care so as not to injure visitors is placed on the owner of the property/premises.


Covers- Renter’s against personal liability to third parties in and out of the premises. Duty of care so as not to visitors is placed on the occupier of the premises.

2.Marine Insurance

This policy covers goods, freight, cargo and other interests against loss or damage during transit by rail, road, sea and/or air. Shipments are protected from the time the goods leave the seller’s warehouse until they reach the buyer’s warehouse.

3. Travel Insurance

This policy covers travellers against perils like accidents, loss of luggage, illnesses, flight cancellation, travel delays and many other travel-related contingencies. Below are other benefits of this policy.

  • emergency medical-related expenses arising while travelling.
  • Personal accident cover during the trip
  • Reimbursement of travel and accommodation-related expenses incurred in the event of cancellation or unintended rescheduling of travel
  • Reimbursement of reasonable expenses as a result of delays in travel.
  • Reimbursement of reasonable expenses due to loss of luggage during travel

4. Motor Product
Motor insurance covers all damages and liability to a vehicle against various on-road and off-road emergencies. A comprehensive policy even secures against damage caused by natural and man-made calamities, including acts of terrorism.

5. Personal Accident
This cover offers compensation for death, permanent disablement, temporary loss of income due to disablement and medical expenses arising from an accident.
6. Fire and Allied Perils
It covers damage to property caused by the risks of fire, lightning and explosion as a result of the bursting of boilers or gas used for domestic purposes. Below are other perils covered in this policy.
  • Hail, Snow, Wind, Hurricane, Cyclone, Tornado or Typhoon.
  • Rain (so long as damaged by perils mentioned in ‘A’ above
  • Flood
  • Overflowing of guttering & downpipes in connection therewith, or bursting or overflowing of municipal or other public water supply mains
  • Bursting or overflowing of water tanks, apparatus or pipes, excluding damage thereto
  • Aircraft and other aerial devices and/or articles dropped therefrom
  • Impact with any of the said buildings insured under this policy &/or any walls, gates & fences around & pertaining hereto, by road vehicles, horses or cattle not belonging to or under the control of the insured his agent or servant
  • Subterranean Fire
This policy covers loss or damage to property insured resulting from theft;  violent and forcible means of entry into or exit from the premises.
8. All Risks
It provides cover against accidental physical loss or damage to specified items as a result of any cause which is not specifically excluded from the policy. This includes theft, fire and accidental damage including riot and strike.
9.Public Liability
It protects the insured against the costs resulting from the suits instituted by third parties. It pays for compensation due to injuries to third parties or third party property damage arising in the circumstances and within the insured’s premises.
10. Money
This policy covers money while in premises in a locked safe, in hands of authorized employees and while being moved from premises to bank and vice versa. It also covers money in the hands of senior staff and damage to the safe.
This is a policy designed in compliance with the WIBA Act of 2007 to cover employees against accidental loss of life or disability arising out of a work-related accident.
12. Employers Liability
It covers the employer against the expenses awarded to the employee by the court of law up and above what is paid under WIBA up to limits specified in the policy.

Pioneer Pensions & Annuities

1. Occupational Pension Scheme

This is a retirement benefits scheme set up by the employer for the benefits of the employees.

2. Umbrella Pension Scheme
This is a scheme that has been set up by Pioneer Assurance for Participation by employers who do not have or have not opted to set up an occupation scheme.
3. Individual Pension Plan
This is a retirement benefits arrangement designed on a defined contributory basis whereby the growth of the benefit is made up of the amounts contributed and the interest accrued. The main objective of this scheme is to help individuals save for their retirement.
4. Annuities
Pioneer Assurance Immediate Annuity Plan
This is a plan that has been set up by pioneer assurance for the benefit of their clients who have lump-sum amounts and would like to invest in exchange for a stream of payments on a regular basis for a lifetime.
List of Pioneer Insurance Branches in Kenya
1. Pioneer Insurance Head office 
Location: Pioneer House 7th Floor, Moi Avenue
Contact: 020 7220000
2. Pioneer Insurance  Thika Branch
Location: Thika Arcade 3rd Floor, Kenyatta Highway
Contact: 020 2045410
3. Pioneer Insurance Mombasa Branch
Location: TSS Towers 4th, Floor Moi Avenue
Contact: 020 2352323
4. Pioneer Insurance Malindi Branch
Location: Malindi Complex, Lamu Road
Contact: 020 2084125
5. Pioneer Insurance Voi Branch
Location: Maghonyi Plaza, 4th Floor Bazaar Street, Opp.Tamasha
Contact: 020 2603580
6. Pioneer Insurance Meru Branch
Location: Meru Mwalimu Plaza 2nd Floor, Gakoromone Rd.
Contact: 020 2045508
7. Pioneer Insurance Machakos Branch
Location: Mbitini House Mbolu Maru Road
Contact: 020 2045504
8. Pioneer Insurance Nairobi Caxton House Branch
Location: Caxton House 2nd Floor
Contact : 020 3349771
9. Pioneer Insurance Embu Branch
Location: Emporium Plaza Next to Nssf 4th Floor,
Contact: 020 8028446
10. Pioneer Insurance Kimathi Street Branch
Location: Pioneer  Kimathi, 7th Floor Kimathi Street
Contact: 020-2212278
11. Pioneer Insurance Kisumu Branch
Location: Pioneer House, Oginga Odinga Street
Contact: 020 2045505
12. Pioneer Insurance Nyeri Branch
Location: Wakiawa House, Kanisa Road
Contact: 020 2045509
13. Pioneer Insurance Eldoret Branch
Location: Zion Mall, 1st Floor
Contact: 053 – 2030578
14. Pioneer Insurance Kitale Branch
Location: Ndege House 2nd Floor, Kenyatta Street.
Contact: 020-2352419
15. Pioneer Insurance Nakuru Branch
Location: Giddo Plaza Ground Floor Nakuru-Eldoret Highway
Contact: 020-2045506
16. Pioneer Insurance Bungoma Branch
Location: 1st Floor, Ebenezer House, Moi Avenue
Contact: 020 2045507
17. Pioneer Insurance Homa Bay Branch
Location: Sonyaco Plaza, Bank Road
Contact: 020 2084895
18. Pioneer Insurance Nairobi Loita Street Branch
Location: Finance House, 12th Floor, Loita Street
Contact: 20 7220182 / 020 2045502
19. Pioneer Insurance Kericho Branch
Location: Chai Ndege Cooperative House 3rd Floor, Along Main Highway
Contact: 052-2020350
20.  Pioneer Insurance Kitale Office
Location: Mega Centre/Nakumatt First Floor Makasaembo Street
Contact: 020-2352419
Victor Matara

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