At the moment, Takaful operators establish the broking system, Banca-Takaful system, agency system, E-channel and internet system as the marketing strategies for the Takaful products. Although the penetration rate increases from 17% in the year 2020 to 18.6% in the year 2021, it is still low compared to the conventional insurance.

In your opinion, do you think that the current marketing strategies for the Takaful products are efficient enough to increase the demand for Takaful from the Muslim and non-Muslim participants?

Do you think that the Takaful operator should implement other marketing strategy to increase the penetrate rate for the Takaful products from all population levels. Discuss your opinion to the above matters.