Tariq Saeed Chaudhry Group Manager – Corp Sales Pak-Qatar Family Takaful Limited 02 November,2010...
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Transcript of Tariq Saeed Chaudhry Group Manager – Corp Sales Pak-Qatar Family Takaful Limited 02 November,2010...
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Tariq Saeed ChaudhryGroup Manager – Corp SalesPak-Qatar Family Takaful Limited
02 November ,2010Lahore, Pakistan
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Agenda• About Pak-Qatar Takaful Group
• Life is Full of Risks
• Conventional Insurance vs. Takaful
• The Practical Side of Takaful
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Pak-Qatar Takaful Group
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KEY FACTS: Pak-Qatar Takaful Group
• First Takaful Group in Pakistan, • The Group is sponsored by leading financial
institutions from the State of Qatar• Paid-up Capital:– Family Takaful : Rs. 533 million– General Takaful: Rs. 307 million– Total: Rs. 840 million
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Major Achievements• Received an “A” minus (having Stable Outlook) rating
from JCR-VIS Credit Co. while still in second year of operations• Have Re-Takaful arrangements with some of the best Re-
Takaful global companies in the world
• Are present in 14 cities having 25 branches • Have a trained sales force of 900+ strength in the market
in less than 3 years or operations• Have on board 300+ corporate clients in less than 3
years of operations• Have declared 15% Surplus for Individual customers for
the financial year ended 31 December 2009, in second year of operation
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Awards & Recognition• WON: Declared as the “Best Family Takaful
Operator” in Pakistan by 1st National Achiever Award (2009)
• NOMINATED: for “Best Takaful Operator” in the world by CPI Financial, UAE (2009)
• WON for “Best Use of Technology” in Islamic Finance Industry by CPI Financial, UAE (2009)
• RANKED: Top 4 in “Best Marketing Strategy” by World Takaful Summit, London, UK (2009)
• WON: Brands of the Year Award – 2009
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Life is full of Risks…
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Motor Fire Marine
Travel
Machinery
Life
Health
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Risk MitigationSince the beginning, people have tried to protect
themselves from risks and resulting losses
• What is Risk?– Risk is the potential danger that threatens to harm or
destroy an object, an event or a person
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Risk Mitigation ToolsAvailable Risk Mitigation Tools?– Avoid Risk Mitigation:
• A concept generally misunderstood as Tawwakul. Tawakkaul by definition however is employment of all Halal available means/resources and entrusting Allah SWT with the outcome
– Self-Insurance or setting aside contingency money for the rainy day
– Conventional Insurance:• A commercially viable system but inherently flawed with
Shari’ah defined ills such as Riba, Gharar, and Qimar/Maysir– Takaful:
• A Halal and Ethical alternate to conventional insurance
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Risk Mitigation in Islam• Is the concept of risk mitigation permissible in Islam?
– This very concept is not only lawful/permissible in Islam but is in fact encouraged• Islamic history is replete with examples featuring activities involving risk
mitigation:– Hadith:
• “Tie the Camel and then Submit to the Will of Allah”– Dhaman Khatr al-Tareeq:
• A person would undertake another person’s risks without any consideration/fee in return
– Dhaman Al-d’ark:• A person would influence a sale by promising to compensate for the loss if the
subject-matter proved faulty– Aqila:
• A risk sharing mechanism in which community members pooled their share of Diyat (blood money)
• The underlying theme in all these examples is the concept of brotherhood and mutual solidarity
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TAKAFUL
CONVENTIONAL INSURANCE
Conventional Insurance vs Takaful
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The Conventional Insurance Process
• The customer pays premiums in exchange for claim (at the time of risk actualization) from the Insurer
PREMIUMS (MONEY)
CLAIMS (Upon Risk Actualization)
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Shariah’s Stance on Conventional Insurance
concept of Insurance?
practice of Insurance??
Shariah has no objections as to the concept or objectives of insurance ; it only has reservations with the way it is being practiced…
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Shariah’s Stance on Conventional Insurance
Point # 1• It is a sales-purchase contract. In
Shari’ah terms it is called Aqd Muawaza
Point # 2• Premiums belong to the companyPoint # 3• Insurance company pays the claims
from its own pocketsPoint # 4• Premiums are invested in all kinds of
investment avenues, including Riba-based businesses
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Riba, Gharar, Qimar/Maysir• Because this is sales-purchase contract i.e. Aqd Muawaza,
this kind of risk mitigation involves:
R I B A G H A R A R Q I M A R / M A Y S I R
DIRECT RIBA
IN-DIRECT RIBA
The difference between the premiums paid by the policyholder and the claims received
Premiums are invested in Riba-based investment avenues
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Riba, Gharar, Qimar/Maysir• Because this is sales-purchase contract i.e. Aqd Muawaza,
this kind of risk mitigation involves:
R I B A G H A R A R Q I M A R / M A Y S I R
G H A R A R
Gharar is present because the Subject Matter of the contract does not exist, is not specifiable, and the time of delivery is uncertain
In Aqd Muawaza, Shariah does not allow Gharar & Qimar/Maysir.
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Riba, Gharar, Qimar/Maysir• Because this is sales-purchase contract i.e. Aqd Muawaza,
this kind of risk mitigation involves:
R I B A G H A R A R Q I M A R / M A Y S I R
In Aqd Muawaza, Shariah does not allow Gharar & Qimar/Maysir.
Q I M A R /M A Y S I R
Total loss of premiums paid by the participant in case the risk doesn’t actualize
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T A K A F U L
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Definition of Takaful
• The word “Takaful” originates from Arabic language.
• Its root word is “kafala” which means “to guarantee”.
• Through inflection it changed to “takafala” which means “to help each other” or to “jointly guarantee each other.”
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The Concept of Takaful
• Takaful is a community-pooling system in which participants contribute their savings into the common fund to help those who need it most in times of financial difficulty
• It is based on the concept of brotherhood and mutual solidarity.
• EXAMPLES: The concept of Takaful is manifested in the system of Baitul Maal, the cooperative societies and the joint-family set ups etc…
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Takaful Process• Takaful Operator creates the Waqf Fund or the “Taburru Fund”• Participants contribute their premiums/contributions on the
basis of “Taburru” into this Waqf Fund• The Waqf Fund pays the claims
Takaful Operator
WAQF FUNDContributions
Claims
Surplus
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Key Points on Takaful ProcessPoint # 1• Contributions are paid on the basis of
Taburru. In Shariah such a contract is called Aqd Taburru
Point # 2• Contributions are credited to the Waqf
Fund; Operator acts as WakeelPoint # 3• The Waqf Fund pays the claimsPoint # 4• Contributions are invested only in Shari’ah
Compliant investment avenuesPoint # 5• An independent Shariah Board supervises
business activities for Shariah compliance
WAQF
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Recap – Fundamental Differences between Conventional Insurance & Takaful
AQD MUAWAZA AQD TABURRU
PREMIUMS BELONGTO COMPANY
CONTRIBUTIONS CREDITED TOTABURRU FUND
RIBA-BASED PROFITS
COMPANY PAYSTHE CLAIM WAQF
TABURRU FUND PAYS THE CLAIM
HALAL INVESTMENTPROFITS
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The Practical Side of Takaful
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Gap!!!Present Financial Protections ToolsPresent Financial Protections ToolsPublic
BeliefsPublic Beliefs
Public Awareness
Public Awareness
Public NeedsPublic Needs
Takaful Bridges the Vital Gap
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Applied Takaful:from Investors’ Perspective
• Global Market Size : • “Current Global Trends suggest US$ 8.9 billion in gross contributions
by 2010” (E&Y, WTC 2010)
• Takaful is growing 35% faster than conventional insurance worldwide (Dr. Ahmed Al Janahi, Managing Director NOOR Takaful, WTC 2009)
134# Takaful Operators in 2009
+Approx.
36 15Window Operators Irani Operators
• KEY FACT: 60% of customers of Takaful in Malaysia are non-Muslims.
>18Re-Takaful Operators
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Applied Takaful: from Customer’s Perspective
• Takaful resonates with the beliefs and values system of people from different cultures:
Shariah Compliant
EthicalTransparent
& Full-Disclosure
Shariah & Socially
Responsible Investments
Surplus Sharing
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Family Takaful Model
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How can Takaful Help you?
- Corporate Takaful Products
- Individual Takaful Products
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Family Takaful Products, Corporate
Group Healthcare
The Group Health Takaful Plan is designed to cater to your employees’ well-being.
It covers their hospitalization due to any reason, major medical expenses, maternity/childbirth as well as day-to-day medical expenses.
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Family Takaful Products, Corporate
Group Family Takaful
The Group Family Takaful is a risk coverage Plan that provides protection to participant’s employees in the event of Death due to any cause (Natural, sickness, accident)
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Family Takaful Products, Corporate
Retirement Income
This Plan enables the employer to provide its employees with retirement benefits, in either lump sum payment or as periodic income
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Family Takaful Products, Individual
Savings & Protection
Why borrow loans and incur debts?
A more dignified way of fulfilling your needs is through savings.
Maximize your savings through Takaful
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Family Takaful Products, Individual
Education Plan
A Takaful plan which ensures the continuity of your child’s education even when you are not around ORcannot afford the tuition fees
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Family Takaful Products, Individual
Mortgage Takaful
In an event of the participant’s sudden death or disability, the Takaful Operator will settle the outstanding mortgage finances thus ensuring the security of home for loved ones
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Family Takaful Products, Individual
Retirement Income
A Plan that provides regular income upon your retirement
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Share ‘n Care Savings TakafulThe NEEDS
Share ‘n Care accumulates
small savings
amount and grows it into a large fund to fulfill all
your financial
needs
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Salient Features of Share ‘n Care
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Share ‘n Care Savings Takaful
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ABC Education Takaful
ABC Takaful ensures the continuity
your child’s education even when you are not around or
cannot afford the
tuition fees
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Difficulties in Ensuring Continuity of Children’s Education
Affordability of Higher
Education
1.TUITION FEES
2.FAMILY SIZE
Untimely Death of Income-Generator
Children become breadwinners of the family
Loans Are Short-term
solution
Loans incur debts and debts further create problems
Who should acquire education and to what
extent? Sons given more preference
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The Escalating Cost of Education
• An average of 5 children / family in Pakistan– To afford quality education of every child is becoming increasing
difficult
• Cost of tuition fees and textbooks increasing exponentially– IBA BBA = Rs. 640,000/-– LUMS BBA = Rs. 960,000/-
MBA = Rs. 900,000/-– KU BBA = Rs. 158,000/-– SZABIST BBA = Rs. 502,720/-– CBM EMBA = Rs. 400,000/-
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A Simple Illustration of ABC Education Takaful
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Jazaak Allah Khairan for your patience
• For Feedback:– Email: [email protected]
– [email protected]– URL: www.pakqatar.com.pk