About Us 

Takaful Brunei comprises of the parent company, Syarikat Takaful Brunei Darussalam Sdn Bhd (STBD) and its subsidiaries – two leading takaful (Islamic insurance) operators, Takaful Brunei Am Sdn Bhd (TBA) and Takaful Brunei Keluarga Sdn Bhd (TBK), operating in compliance with the Takaful Order 2008. Takaful Brunei’s heritage was established in 1993 and has over 28 years of experience in the takaful and insurance industry and is recognised as a market leader for its innovative products and services.

The offering of products provides participants with a shariah compliant and holistic financial approach to protecting assets in the event of calamities whilst fulfilling one’s Islamic and moral obligations to the community, complementing Brunei’s Malay Islamic Monarchy values. Takaful Brunei, being the largest locally incorporated takaful operator in the country, contributes growth and development to Brunei’s financial sector by providing protection products and services offered by TBA for general takaful or non-life and TBK for family takaful or life classes of business.

TBA provides a complete range of protection covers for physical assets and operational protection, human asset protection, and financial and professional protection. Protection for personal and individual assets are also available, including protection for private motor vehicles, home and contents, travel, domestic helpers, medical and surgical expenses, and more. In addition, TBK provides a wide array of mortgage and financing protection, as well as protection and savings plans, designed to systematically assist, educate and protect our participants. Our certified Islamic financial planners are able to advise financial solutions for long-term financial goals such as children’s education, retirement planning and wealth protection.

With our established presence in the market as a recognisable and preferred brand, over 100,000 individuals and corporations have entrusted us with their Takaful needs and became participants of Takaful Brunei. We have been awarded the Best Takaful in Brunei for 3 consecutive years by the International Takaful Awards for 2017, 2018 and 2019, the Digital Initiative Awards by Insurance Asia Awards 2020 and the Best Takaful in Brunei Awards by the International Finance Awards. Our commitment to serve both corporate and individual customers has earned Takaful Brunei continuous trust. Takaful Brunei is dedicated to developing service excellence and delivering peace of mind to the hearts of Bruneians.


“As A Collective Group, We Wish To Be The Only Takaful Provider Customers Have In Mind. As A Company, We Wish To Be A Top Quality Complementary Service Provider.”


“To Provide The Best And Highest Quality Of Support Needed To Uphold The Status Of Takaful Brunei Am Sdn Bhd (TBA) And Takaful Brunei Keluarga Sdn Bhd (TBK) And Achieve Our Visions.”

Key Facts 
Name Syarikat Takaful Brunei Darussalam Sdn Bhd
Shareholders Sultan Haji Hassanal Bolkiah Foundation (69%)
Bank Islam Brunei Darussalam Bhd (31%)
Address Level 8, Dar Takaful IBB Utama Jalan Pemancha, Bandar Seri Begawan, BS8711, Negara Brunei Darussalam
Subsidiaries Takaful Brunei Am Sdn Bhd (TBA)
Unit 9&10, Simpang 493
Kg Beribi, Jalan Gadong, BE1118
Negara Brunei Darussalam
Takaful Brunei Keluarga Sdn Bhd (TBK)
Unit 1, Level 1
Dar Takaful IBB Utama
Jalan Pemancha BS8711
Bandar Seri Begawan
Negara Brunei Darussalam
Branches & Counter 8 Branches and Counters in all four districts
No of Employees ≈ 200 employees
Meaning of Takaful 

A pact among a group of participants who agree to contribute to a fund to assist each other in the event of misfortune similar to the A’qilah system which was practised during the time of the Prophet Muhammad Peach Be Upon Him (PBUH).
This coincides with Rasulullah PBUH’s hadith:

Rasulullah PBUH said which means: “And Allah supports and assists a person as long as he assists and helps other fellow men” (Narrated by Imam Muslim)

The Purpose of Takaful 

It is a channel that can allow an individual to make an initiative to HELP ONE ANOTHER TO FACE AND SHARE RISKS TOGETHER with PROVIDING BENEFITS TO EASE FINANCIAL BURDEN BETWEEN THEM.

What Are The Characteristics of Takaful? 
  • Has element of ‘IBADAH
  • Has element of TA’AWUN (Mutual Cooperation)
  • Has elements of TABARRU’ (Sincere Donation)
Board of Directors 
Shariah Advisory Body 
Senior Management 
Business Model 
Financial Statements 

Takaful Brunei Am Sdn Bhd – Financial Statements 2018

Takaful Brunei Keluarga Sdn Bhd – Financial Statements 2018

Takaful Brunei Am Sdn Bhd – Financial Statements 2019

Takaful Brunei Keluarga Sdn Bhd – Financial Statements 2019

Takaful Brunei Am Sdn Bhd – Financial Statements 2020

Takaful Brunei Keluarga Sdn Bhd – Financial Statements 2020