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    • Whole Life

    Pioneer Whole Life is a permanent life insurance policy engineered to deliver lifelong financial protection for your beneficiaries while offering structured survival payouts during your retirement years. Unique in its design, Pioneer Whole Life provides complete life protection, regular annual cash payouts between the ages of 60 and 80, and a full maturity payout upon attaining age 80.

    What is Whole Life?

    Whole life
    Whole Life insurance is an essential part of financial planning, providing peace of mind in knowing that your loved ones will be taken care of financially in case of your untimely death. Pioneer Whole Life is a policy that not only provides a benefit to your beneficiaries in case of your untimely demise, but also offers survival benefits should you live to a certain age. This makes it an excellent product for those who want to be prepared for any eventuality. • Full sum assured payable on untimely demise
    • Full sum assured payable on attaining age 80
    • 5% of the sum assured annually (between age 60 – 80)

    Untimely Demise Benefit: Full Sum Assured disbursed to named beneficiaries if the insured passes away before age 80.
    Annual Survival Benefits (Ages 60–80): Policyholders receive 5% of the Sum Assured annually every year from age 60 to age 80, supplementing post-retirement cash flow.
    Final Maturity Payout (Age 80): Full 100% Sum Assured is paid upon attaining age 80, at which point the policy automatically terminates.
    Capped Premium Window: Premium contributions are payable only up to age 60, eliminating financial obligations during retirement while benefits continue through age 80.
    Tax Relief Benefit: Qualifies for statutory 15% Life Insurance Tax Relief under Kenyan tax legislation.
    • ✓Dual Life & Retirement Security: Combines legacy estate planning with active retirement income support.
    • ✓Zero Premiums in Retirement: Enjoy guaranteed payouts for 20 years (ages 60–80) without paying further premiums past age 60.
    • ✓Predictable Cash Growth: Fixed guaranteed payouts ensure financial stability without market volatility risks.
    Primary Breadwinners & Families

    Primary Breadwinners & Families: Individuals seeking to guarantee long-term financial stability and inheritance for their loved ones.

    Pre-Retirement Planners (Ages 18–56)

    Pre-Retirement Planners (Ages 18–56): Adults looking to establish a guaranteed post-retirement income stream starting at age 60.

    Long-Term Wealth Builders

    Long-Term Wealth Builders: Anyone desiring permanent life coverage with a capped premium payment window that stops at age 60.

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