The single-rate method has been adopted to calculate the Surplus and will be distributed amongst the participants through a defined manner in relation to the “Cumulative Net Contribution’ received in the IFTPF (Individual Family Takaful Participant Fund) by each participant. Furthermore, the actual distribution of surplus will be carried out only to those Participants leaving the pool during the year 2019, by way of Permanent Withdrawal, Death or Maturity of the memberships.

Pak-Qatar Family Takaful Limited is the only Takaful Operator in the country, which has been consistently declaring distributable surplus for Individual Family Takaful, every year, over the past eleven years of its operations. It is important to note that in the year 2008, PQFTL had declared a surplus of 10 percent, which has seen consistent growth to reach 28 percent in the year 2018.