Product
Family Takaful
Shariah-aligned family cover with clear nominee shares and a transparent contribution model.
Overview
Family takaful is modelled the way families actually buy it: the head of the family and an optional spouse are the insured, underwritten members, and every other person is a nominee with an explicit percentage share.
Built for: Takaful operators and agents serving household cover.
Head and spouse underwritten
Only the people who are actually insured go through underwriting. Everyone else is a nominee, so there is no pointless medical evidence for children or parents.
Nominee shares that must total 100
Shares are captured per nominee and validated before issuance, with history kept for every change.
Proposal stage you can resume
Confirming family members creates a proposal, not an active policy, so the lead stays in progress until issuance.
Takaful as a first-class type
Conventional and takaful plans are distinct product categories, not a flag, so contributions and fund treatment stay separate.
How it works
From first contact to issued policy
- Step 01
Create the family group
Add the head, an optional spouse and nominees with their shares.
- Step 02
Validate and confirm
Members are validated, then confirmed into a proposal.
- Step 03
Underwrite the insured
The same AI-assisted pipeline runs for the head and spouse.
- Step 04
Issue and service
Issue the policy, then manage contributions, endorsements and renewals.
Example plans
Illustrative plan catalogue
Demo plans and indicative rates only. Each insurer configures its own catalogue and rate tables.
Family Floater Takaful
- Term
- Annual
- Cover
- PKR 2M – 30M
Indicative contribution
PKR 2,600 / mo
Child Education & Marriage
- Term
- 18 years
- Cover
- PKR 1M – 15M
Indicative contribution
PKR 7,800 / mo
Family Protection Plus
- Term
- 20 years
- Cover
- PKR 3M – 40M
Indicative contribution
PKR 3,400 / mo
Questions
About Family Takaful
Why are only two family members underwritten?
Because only they are insured. Other family members are nominees who receive a share of the benefit, which keeps the application short and the data honest.
Can the same platform sell conventional and takaful plans?
Yes. Each plan carries a product category (Conventional, Takaful or Bancassurance), and the workflows are shared where they should be.
See the full journey on demo data
We will walk you through a lead becoming a policy and a claim, with the copilot driving where it helps.