APPEND added micro insurance services to its expanding Microenterprise Development programs and have established the Pinoy Ako Insurance Services, Inc. (PAIS) to provide comprehensive, affordable and viable life and non-life micro insurance services. PAIS was created by eight microfinance partners of APPEND which aimed to cater to the clients of the MFI organizations and to other groups in the Philippines. Since most of these clients could not afford the expensive costs of traditional insurances being offered in the market, PAIS offers low premium cost but with extensive benefits.

Pinoy Ako has partnered with Pioneer Life Insurance, one of the esteemed insurance providers in the country. In this joint venture, PAIS and Pioneer Life target to serve varying micro insurance needs of MFI clients.

Finally, a portion of PAIS income will help support the KILOS 2 Education Program of APPEND realizing its dream of having one scholar per family of MFI client.