Pioneer Life is the microinsurance pioneer in the Philippines, where it started offering microinsurance products since 2007. The company started operations with the Center for Agriculture and Rural Development Mutually Reinforcing Institutions (CARD MRI), as its sole distribution partner. CARD MRI is a group of mutually reinforcing institutions that is dedicated to empowering the poor in the Philippines. Pioneer Life today is in a joint venture with CARD MRI and the JV company known as CARD Pioneer Microinsurance works with over 80 partners across the Philippines today.