Takaful offers a unique feature of Surplus Sharing to the Participants in addition to risk mitigation benefits. By contributing Tabarru (donation) into the Participants Takaful Fund (Waqf Fund/PTF), the Participant is entitled to a share of fund surplus, if any. At the end of each year, EFU Life will determine the surplus in the Waqf fund based on the method approved by the Shariah Advisor and appointed actuary. On the advice of Shariah Advisor and Appointed Actuary:
1. A part of the surplus may be distributed to the Participants as Bonus Units through additional unit allocation in the Participants Investment Account (PIA),
2. The surplus, or a part of it, may also be retained to strengthen the PTF,
3. The remainder (a smaller proportion) may be allocated for charitable purposes.