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Company Overview

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CrusaderSterling Pensions Limited is a member of the over 74 year-old Custodian and Allied Insurance Group Plc. We have, on a sustainable basis (8 years) achieved one of the best returns on Retirement Savings Accounts funds in the Nigerian Pension Industry.


Our Fund price as at 30th June 2016 was N3.0184 which was the highest in the industry. This translates to a cumulative return of 201%. We have consistently led the industry in the last 8 years in terms of Returns on Investment (ROI) on Retirement Savings Account. The implication is that we have made more money for contributors (customers) than all other Pension Fund Administrators (PFA).

Our Charges/fees are strictly controlled by the regulators (PENCOM). We are allowed to charge an admin fee of N0 to N100.00 per month (after remittance) and management fees of 1.6% on the Asset under management per annum.

Our Funds under management are managed transparently and efficiently. Our clients have access to their account balances’ and transaction history on-line real-time, though our deployed interactive platforms for excellent customer service. These tools/devices enable real-time access to your RSA account. Some examples are these, Interactive Voice Responder (IVR) via Telephone, Web Chat facility via internet, SMS Short code via mobile phones to send text messages and a Mobile App.

We also send monthly e-mail statements and quarterly hard copy statements to all our clients.

Our Customer support initiative is managed electronically and physically and is well located in all the 36 states capitals and our staff in those offices can access the company database on line real time.

In the administration of retirement benefits, we have set a bench mark maximum  of 12 working days on the average from start to finish within which any legitimate retiree with sufficient documentation can access his/her benefits in accordance with the laid down regulations issued by PENCOM.

We arrange fora and counseling sessions for retiring individual on the benefits of Annuity and Programmed Withdrawal to choose the best option. This is aside from the employer-based forum that takes place twice a year in the premises of the client. During the forum, we usually discuss topics such as Life after retirement, Entrepreneurship skills and opportunities, Industry updates amongst others. We also advise on the most efficient payment mechanism suited for each.

Our other services includethe management of Retiree Funds, management of Defined Benefit Scheme, and assistance and support during National Social Insurance Trust Fund (NSITF) withdrawal

We were recently voted the Best Performing Pension Company of the Year 2014 at the 3rd African Development Magazine Awards of Excellence which held in Accra.

We will instantly generate Personal Identification Number (PIN) and issue registration certificate at the point of registration; this is not easily achievable by our competition. Our clientele consists of employees of highly respected companies such as GTBank, NIBSS, NBC, MTN, Cadbury, Dangote Plc, CitiBank, Airtel, Old Mutual Insurance and many more.

Our Custodian is the First Pension Custodian Nigeria Limited owned 100% by First Bank Plc, the largest Bank in Nigeria. They were incorporated on August 16, 2005. They have easiest accessible branches spread across the country. This attests to the safety/custody of your funds.


Kenneth Ezugwu

My account officer communicates with me regularly through emails and so far it has been an effective means for me. CrusaderSterling Pensions maintains good relationship… Read more »

Odukoya Olusoji Olumide

Institute Of Chartered Accountants of Nigeria (ICAN)
How I wish another bulk payment of 25% could be made and the monthly pensions reduced further. I wish the company the best in its future endeavours and have no hesitation recommending the company to prospective pensioners. You need to PORT to CrusaderSteerling.

Prof. Alaba Isaac Olugboyega

University of Lagos
CrusaderSterling Pensions limited pays my monthly pensions regularly between the 19th and 21st of every month. Also, my statement of account is sent on request promptly. I also appreciate the annual retiree forums which are held annually to enhance interaction.

Aina Omotayo Aremu

Aina Omotayo Aremu

Investment Department
Proud to be one of the pioneer staff in the organization. I joined at the commencement of business with my first engagement in the Internal Control and Audit.
It has so far been a worthwhile experience through to my present engagement in the Investment Management at the Research Desk.

Ndikanwu Chibuzor

Compliance Department
My Career with CrusaderSterling Pensions has availed me the opportunity to learn a lot about the Pensions and Financial industry; I have also been presented with an opportunity to develop myself through constant learning and development programs.

Alade Olubunmi

Marketing Department
CrusaderSterling Pensions is Professional in their business dealings and have good corporate governance and values. It is a place where Staff are encouraged to take up responsibilities and take ownership of the business in a bid to grow with the Company.

Adebayo Fagbola

Internal Control Department
My Career with CrusaderSterling Pensions Limited began on the 16th of March, 2015. Having previously worked within the pensions industry for eighteen months, I felt it was time to further develop myself with an industry leader; CrusaderSterling Pensions Limited was my first choice.

Adeoye Adewale

Contributions Department
I am fortunate to be one on the pioneering staff of CrusaderSterling Pensions Limited. The atmosphere and environment here was far above my expectations. Aside from learning new skills and developing myself; members of my team are very kind and friendly with a positive mentality.