Before the creation of CPMI, CARD was a client of Pioneer Life Inc.’s Microinsurance line. However, it did not take long for this to eventually blossom into a partnership between these two companies, who are pioneers in their own respective fields.

As a separate company and entity that leverages the resources of both CARD and Pioneer, the collaboration made the creation of the first microinsurance company in the country possible. It has also allowed the company to tap into the non-life aspect of microinsurance.

With two pioneer “micro” companies at the helm of this mission, there is no doubt that we can look forward to only big changes and milestone venturesin CARD PIONEER’s future endeavors.

Vision and Mission


CARD MRI is a world-class leader in microfinance and community-based social development undertakings that improves the quality of life of socially and economically challenged women and families towards nation building.


CARD MRI is committed to:

  • Empower socially and economically challenged women and families through continuous access to financial, microinsurance, educational, livelihood, health and other capacity-building services that eventually transform them into responsible citizens for their community and the environment;
  • Enable the women members to gain control and ownership of financial and social development institutions; and
  • Partner with appropriate agencies, private institutions, and people and community organizations to facilitate achievement of mutual goals.

Our Team


Ms. May S. Dawat


Mr. Lorenzo O. Chan, Jr.

Board Member

Mr. David C. Coyukiat


Mr. Vener S. Abellara


Atty. Jomer H. Aquino


AMr. Vitaliano N. Nanagas II




Melinda Grace M. Labao

OIC for Microinsurance

Aristopher Punzalan

Chief Operating Officer

Mr. Allan Rey L. Sarmiento

Deputy Director for Insurance Services

Ma. Olivia C. Valera

Corporate Secretary