PAL Pensions is a licensed Pension Fund Administrator in Nigeria, established in 2005 as a joint venture between FSDH Merchant Bank and African Alliance Insurance Plc[1][5]. They manage and administer retirement savings contributions, offering services to ensure a financially secure future for employees[1][5]. Their target audience includes pensionable employees in Nigeria. The unique selling proposition of PAL Pensions is their commitment to providing secure and adequate funds post-retirement, enabling a decent standard of living through premier retirement benefits and a focus on performance, service, and trust[1][5].