Surplus Distribution
Eligible participants may receive a portion of surplus funds
Surplus
Built on Trust...Powered by Sharing
As part of our Sharia-compliant approach, Takaful International distributes surplus funds — giving back to participants a portion of their contributions after covering claims, fees, and other essential costs. This reflects a model built on trust, where protection is mutual and every contribution supports the community — powered by the spirit of sharing.
SurplusCash back on next renewal
Reduce the cost of your upcoming renewal through surplus cashback
Community-Based Model
Contribute your share of the surplus to charitable initiatives and social programs through the Royal Humanitarian Foundation