Takaful Emarat PSC — Key Facts
| Full Name | Takaful Emarat Insurance PSC |
| Founded | 2007 |
| Headquarters | Dubai, UAE |
| Listed On | Dubai Financial Market (DFM) |
| Insurance Type | Sharia-compliant (Takaful) — Life & Health |
| Regulator | Insurance Authority of UAE / CBUAE |
Takaful Emarat Insurance PSC is a UAE-based Islamic insurance (Takaful) company specializing in life and health insurance products that comply with Sharia law. The company is listed on the Dubai Financial Market (DFM) and serves individual and corporate clients across the UAE with group medical, life protection, and savings-linked insurance solutions.
Who Owns Takaful Emarat?
Takaful Emarat is a publicly listed company on the Dubai Financial Market (DFM), meaning ownership is distributed among public shareholders. Major shareholders have historically included UAE-based institutional investors and individual shareholders. The company operates with a Board of Directors and a Sharia Supervisory Board that ensures all products and operations comply with Islamic financial principles. Full shareholder disclosures are filed with the DFM and the UAE Securities and Commodities Authority (SCA).
History and Background
Takaful Emarat was established in 2007 during a period of rapid growth in the UAE’s Islamic finance and insurance sector. The company was founded to address the growing demand for Sharia-compliant life and health insurance products in the UAE market. It obtained its insurance license from the UAE Insurance Authority and completed its IPO on the DFM, making it one of the few pure-play Takaful life insurance companies publicly listed in Dubai.
Products and Services
Takaful Emarat’s core offerings include group medical insurance (for corporate clients), individual life Takaful plans, savings and investment-linked Takaful products, and group life protection policies. All products are structured on the Wakala model — a Sharia-compliant approach where Takaful Emarat acts as an agent managing participants’ contributions, with surplus distributed back to policyholders rather than retained as insurer profit.
