Your Future, Our Commitment...
  • Payment Options
  • Claim Process
  • Contact Us
  • About Us

    • Suluhu Mkononi

    Suluhu Mkononi is an innovative, mobile-based savings and micro-investment plan by Pioneer Assurance designed to put financial control directly in your hands. Engineered for medium- to long-term goals such as school fees, business capital, or emergency funds it offers high-yielding guaranteed returns, complete withdrawal flexibility via USSD (*887#), and integrated family last expense protection.

    What is Suluhu Mkononi?

    This product is suitable for people who want to accumulate funds in the medium to long term. The product is tailored to meet the needs of low to medium income earners and can also be extended to cover other social classes

    • Guaranteed Competitive Returns – Earns a guaranteed minimum interest rate of 5% P.A., with actual declared returns reaching 10% in 2025.
    • Flexible Savings Schedules – Deposit daily, weekly, or monthly amounts based entirely on your personal budget.
    • Instant USSD Access (887#) – Check your real-time balance, make top-ups, and manage your account instantly from any mobile phone.
    • Free Withdrawals Anytime – Access your funds whenever emergencies or investment opportunities arise without paying withdrawal fees.
    • Embedded Family Protection – Includes built-in last expense life cover of either Kshs 20,000 or Kshs 50,000 to protect family members during bereavement.

    How to Register & Get Started
    You can register and activate your account instantly via USSD on any mobile phone:

    1. Dial USSD Code: Dial *887# on your mobile handset.
    2. Identify Yourself: Enter your official National ID number.
    3. Select Product Line: Select Option 2 for Life Products.
    4. Choose Suluhu Mkononi: Select Option 1 for Suluhu Mkononi.
    5. Initiate Registration: Select Option 1 to Create Account.
    6. Accept Terms: Review and accept the policy Terms & Conditions.
    7. Select Last Expense Cover: Choose your desired life protection tier: Kshs 20,000 or Kshs 50,000.
    8. Provide Personal Details: Enter your full name (as it appears on your ID), date of birth (DD/MM/YYYY), and email address.
    9. Set Initial Savings Deposit: Enter your initial top-up amount.
    10. Complete Payment: Select Proceed to Pay via mobile money or enter an Agent/Broker Code to finalize setup.
    • ✓100% Mobile Convenience: Complete registration, deposits, withdrawals, and balance tracking require no physical paperwork or smartphone apps.
    • ✓High-Yield Growth: Outperforms traditional bank savings accounts with a guaranteed 5% base return and potential 10%+ returns. Unmatched Liquidity: Full access to your cash whenever you need it, ensuring your savings remain liquid and stress-free.
    Families

    Families seeking financial protection through affordable last expense cover for their loved ones.

    Low to Medium Income Earners

    Low to Medium Income Earners looking for an accessible, flexible savings solution tailored to fit their daily budget.

    Informal & Formal Sector Workers

    Informal & Formal Sector Workers who need flexible deposit schedules (daily, weekly, or monthly) tailored to unpredictable cash flows.

    Low- to Middle-Income Earners

    Low- to Middle-Income Earners seeking an accessible micro-savings plan with zero entry barriers or complex paperwork.

    Entrepreneurs & Small Business Owners

    Entrepreneurs & Small Business Owners looking to build working capital, set up business reserves, or fund a new business dream through flexible daily, weekly, or monthly savings.

    BUY NOW DOWNLOAD BROCHURE

    Get a Quick Quote

    How Can We Help?

    📞 Request a Callback WhatsApp Us 📞 Call Now 💬 Live Chat

    Related Products

    Ekeza Plan

    Mavuno Plan

    Jawabu Plan