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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.

Surplus

Surplus Distribution

Eligible participants may receive a portion of surplus funds

Cash 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

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