Noor Takaful, which started operations five years ago, has been paying surplus distribution to those who have not made claims over the last 3 or 4 years. We are the first and only Takaful operator ever to do that. We are in the process of paying another one this year", he said. He noted that the Takaful offerings are widely accepted globally, adding that countries like Saudi Arabia United Arab Emirates have taken advantage of its benefits. "Under the Takaful policy, there is the General Takaful. In this case, Noor Takaful covers insurance such as Motor vehicles, fire, goods in transit, agric takaful. In the case of Family Takaful, it covers the death of a family member or an individual or staff of an organization. We referred to it as life insurance in the conventional insurance space. Under the 2004 Pension Reform Act, which was amended in 2014, families must have group life for their staff", he added.