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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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%2
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