dawood family takaful

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    1

    In the Name of Allah, the most Gracious, the most Merciful

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    2

    SPECIAL THANKS T

    SI! MI!"A NA#EEM $AIG

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    %

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    G!&P MEM$E!S

    M&HAMMA# ALI'(

    HASNAIN HAI#E! 1)

    M&*EE$+&!+!EHMAN2

     TA$A!&K H&SSAIN .

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     TA$EL / CNTENTS

    INT!#&CTIN

    0ISIN AN# MISSIN STATEMENT

    Proucts

    CHA!ACTE!ISTIC / P!#&CTS

    #I//E!ENCE $ETEEN TAKA/&L AN#INS&!ANCE

    MA!KET ST!ATEG3ST ANAL3SIS

    !ECMMEN#ATIN

    -

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    INT!#&CTIN Dawood Family Takaful Limited ("DFT") was incorporated in Pakistan as public

    limited company on 4 May 2! under te #ompanies $rdinance% &'4 bearin

    reistration number * + ,!'!- Te #ompany recei.ed te certificate of

    reistration on &, May 2 a.in reistration number / under te pro.ision of

    0ection , of te 1nsurance $rdinance% 2-

    Te company is reulated by 0ecurities and 3cane #ommission of Pakistan -

    Te reistered office of te #ompany is situated at &!&+% 0aima Trade Towers%

    1-1- #undriar 5oad% *araci-

     Te principal business acti.ity of te #ompany is to undertake family takaful

     business in accordance wit te 1nsurance $rdinance 2% 0ecurities and

    3cane #ommission (1nsurance) 5ules% 22 and Takaful 5ules% 2/-

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    0ISIN

     The com4an5 6ill stri7e to 8ecome the Ta9aful 4artner ofchoice in Pa9istan caterin: to the ;nancial 4rotection,lon: termsa7in:s,retirement an ;nancial 4lannin: nees ofini7iuals,8usinesses an the 4u8lic sector in full conformit56ith Shariah 4rinci4les<

    )

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    MISSIN

     To 8e reco:ni=e as a re4uta8le, 4ro;ta8le, Shariah ri7en/amil5 Ta9aful o4erator o>erin: inno7ati7e ;nancial solutions toits clients throu:h 8est in class talent, technolo:5 anistri8ution 4o6er<

    (

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    P!#&CTS

    Su9oon

    Salamti

    Samar Sahulat

    Salar5 sa7in: 4lan

    Sin:le contri8ution

    ?

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      SUKOON (ENDOWMENT FOR RETIREMENT)

    Plan your retirement days wit 0ukoon% a plan tat i.es you te benefits of

    financial protection to address your future re6uirements and fulfills your desire

    to row sa.ins in accordance wit 0aria principles-

    0ukoon as a uni6ue competiti.e ede in terms of contribution payin term for a

     period of & or &/ years and et te co.erae till maturity at te ae of , or ,/-

    0ukoon pro.ides endowment benefit at retirement% or in case of earlier Deat

     pays suc benefits to your dependants-

    1'

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      SALAMTI 

    (FINANCIAL PROTECTION & SAVINGS GROWTH)

    #ane is te essence of Life- 0ome canes make your life colorful but

    sometimes a cane can be 6uite callenin-

     7ow you can prepare yourself for cane by participatin in our 0alamti

    Takaful plan wic pro.ides you wit bot Financial protection 8 sa.ins

    rowt in accordance wit 0aria-

     9ou can coose any term of payment from & to : years up to ma3imum

    maturity ae of ,/ years- 0alamti i.es you peace of mind because your

     belo.ed ones are secured financially for te future-

    11

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      SAMAR

    (CHILD EDUCATION and MARRIAGE PLAN START SAVING TODAY

    FOR A SECURE TOMORROW)

    0amar is a uni6ue 0aria #ompliant plan wic accumulates funds for yourcild;s ducation < Marriae and at te same time pro.ides your family te

     protection in case of an unforeseen e.ent-

     1t as : inbuilt features of Family 1ncome benefit% Plan continuation benefit 8

    ccidental deat benefit-

    12

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      SAHULAT

      (cash a!"# $% #'##n')

    n e3cellent combination of Takaful Protection and 1n.estment 5eturn to

    ensure a secure future for you and your family;s .arious needs-

    $ur 0aulat Plan is desined to elp you plan your future financial needs-

     0aulat is a 0aria compliant in.estment and financial protection .eicle

    wic can secure your future financial well bein-

    1%

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      SALARY SAVING PLAN

    (A SHARIAH ARRANGMENT TO PROVIDE)

    9ou may decide your reular #ontributions sub=ect to minimum amount- Tese

    will be used to purcase in.estment >nits in our manaed 0?51 funds of

    your coice@ Aalanced Fund% or 1ncome Fund-

    9ou will a.e access to your funds includin any profits wic can be

    redeemed eiter trou partial witdrawal% surrender% in te e.ent of claim% or

    sur.i.al at maturity-

    Te fund .alue may fluctuate based on underlyin performance and not

    uaranteed-

    1.

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      SINGLE CONTRI*UTION 

    (In#s'#n' Ln+#d Ta+a$"! P!an)

     9ou may decide your minimum contributions sub=ect to minimum amount-

    Tese will be used to purcase 1n.estment >nit in $ur 0?51? manaed

    funds of your coice @ 1ncome Fund % Aalanced Fund or ressi.e Fund-

     Te fund .alue may fluctuate based upon underlyin asset performance- ear 

    F1A will i.e / waBifa to ae of si3teen year and F1A will i.e & for

    marriae women-

    1-

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    P!ESENTE# $3@

    Hasnain Haier

    !oll No< 1)

    1

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    CHA!ACTE!ISTICS / P!#&CTS

    PRODUCT FEATURE

    0aria #ompliant 5iba Free in.estment Crowt-

    0aria #ompliant Financial Protection -

    0urplus is Distributed to participants-

    nance a.ailability of sa.ins at ae ,%,/%! 8 !/ years-

    Participants can witdraw money from teir in.estment account (P1) at any

    time before maturity after payment of :rd year of contribution-

    Pay for a period of & %&/%or 2 years and et takaful co.erae till maturity-

    1)

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    CNT

    #oose your own risk+return combination based on your circumstances-

     

    nnual% semi+annual% 6uarterly or montly payment period-

    nance your financial protection by coosin co.ers e-- ccidental

    deat and disablement% critical illness% family protection% family income

    and funeral e3pense etc-

    Top+up contribution can be made at any time witout any administrati.ecanes

    1(

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    1?

    Iss"# Fa!, Ta+a$"! L$# ns"anc# ssence

    ofintension

    To create bot spiritual 8 lealrelationsips

    To create lealrelationsip only

     Te

    company

    Te participant collecti.ely

    appoint te takaful operator toact as trustee < manaer of tea6f and in.estment funds-

    Te insurer offers

    insurance ser.ices ascommercial business

    Premiumor 

    #ontribution

    ac participants pays Tabarru(donation) into te a6f fund

    wic pro.ide te takaful benefits

    1t is a contract ofe3cane (sale and

     purcase) betweeninsurer and insured-

    DIFFERENCE *ETWEEN TAKAFUL AND INSURANCE

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    CNT

    Acc%"n's Th# c%n'-"'%n s

    s#.#.a'#d n'% '/%s#0aa'# acc%"n's

    A1 Wa2$ $"nd*1 0a'c0an's

    n#s'#n'acc%"n'

    P#"s a#

    c#d'#d n'% a sn.!#acc%"n' +n%/n as 'h#

    !$# ns"anc# $"nd

    Aenefits Paid from te a6ffund under =ointindemnity born by

     participants

    Paid from teinsurance fund leallyowned by insurer-

    2'

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    MA!KETING ST!ATEG3

     The5 are :oin: in the mar9et to a6are the 4eo4lea8out Ta9aful conce4t<

     The5 are tellin: the 4eo4le a8out Shariah 8oarscholars<

    Shariah 8oar scholars are Prof< M&/TI M&NI$+&!+!EHMAN,M&/TI S3E# "AHI# SI!A* an M&/TI S3E#SA$I! H&SSAIN<

    Shariah 8oar 4eo4le are a:ree that conce4t of TAKA/&L is hilal<

     The income 6ho 6ill earn from #A# TAKA/&L5ou can sa5 HA** an &M!AH<

    21

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    MARKETING STRATEGY OFDAWOOD TAKAFUL GENERAL:

    The marketing strategy se !"r #r"$%ts"! DFT Genera& are:

     The #/T General insurance com4an5 useman5 strate:ies for launchin: an a7ertisin:of General 4roucts< In 6hich follo6in: areinclues@

     Throu:h Internet Throu:h a7ertisement Throu:h mass meia

     Throu:h ne6s 4a4ers

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    P!ESENTE# $3@

    Muhamma Ali

    !oll No@ '(

    2%

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    STANAL3SIS

    2.

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    ST!ENGTH

    Its in7estment sector are o6n

      #a6lance

    #a6oo $urB

    #a6oo tetile+mills

    En:ro foos

    Numl uni7ersit5  china electricit5 Dhussain a6oo

    2-

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    CNT

     Ta9aful is an Islamic state<

    Shariah 8oarF certi;cateF fat6a

    No mar9 u4 in return

    hen a 4erson ie in lahore an itsinsurance from a6oo ta9aful inmultan its famil5 can recei7e cash fromthe 8ranch ta9aful in Lahore<

    2

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    EAKNESS

     *u8ilee mae in 1??.

    #a6oo ta9aful famil5 mae in 2''(

     Time tenure is the a6oo famil5ta9aful is 6ea9ness

    2)

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    PP!T&NIT3

    2(

    Client

    1

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    CNT

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     TH!EATS

    N threats

    If com4etitor com4an5 4eo4le 6hos4rea rumours in the mar9et a8out

    ta9aful conce4t that is threat forcom4an5<

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      RE'OMMENDATION

     There is also a 4ro8lem of 6or9 o7erloa forthe em4lo5ees an it shoul 8e control4ro4erl5 so that the em4lo5ees are

    moti7ate< IT ra6 8ac9s shoul 8e im4ro7e<

     a7ertisin: onl5 on Pa9istan T0 an !aioPa9istan 8ut no6 it shoul 4ro4erl5 a7ertise

    an Communicate to 4u8lic a8out the4roucts 4ro7ie 85 it, so that morecustomers 6ill 8e attracte<

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