Pamoja Plan allows you to save for your long-term savings objectives as well as your short-term needs. When you pay your monthly contributions, this money is split between the Short-Term Savings Fund and Long-Term Savings Fund.The objective of the long-term savings fund is to provide a vehicle for savings and to provide a cash lump sum in the event of the earliest of the customer’s death or disability or the end of the selected term. The objective of Short-Term savings fund is to assist the customer cater for financial needs arising during the life time of the policy, without having to withdraw from or surrender the Long-Term portion. This fund enables the member to access their saved money when they need it most.