Burgan Takaful has been a major provider of Takaful insurance solutions in Kuwait since 2006. While considering Sharia provisions, the company offers various products and services, including Takaful insurance plans tailored to meet customers’ needs, providing the finest insurance coverage at reasonable rates.
Burgan Takaful has assembled a talented team to meet the demands of individual and corporate clients, ensuring the highest standards of customer satisfaction and service quality. The team is guided by industry veteran Amro Mohamed Saleh Khiwa, who, as the Vice-Chairman and CEO of Burgan Takaful, oversees the company’s strategic growth and market positioning within Kuwait’s Takaful sector.
Amro Mohamed Saleh Khiwa’s focus on customer engagement, operational excellence, and long-term trust-building has helped the company become a respected name in the region’s Shariah-compliant insurance sector.
In an exclusive interview with International Finance, Amro Mohamed Saleh Khiwa spoke about Burgan Takaful’s culture of smart innovation and commitment to serving the evolving needs of policyholders.
Burgan Takaful has built a strong presence in Kuwait. What has been the driving philosophy behind that success?
At Burgan Takaful, our growth is anchored in purpose. We don’t just offer insurance—we offer mutual protection based on ethical principles. Our commitment to people, community, and transparency drives everything we do. Whether we’re developing new products or engaging with customers, we ask whether this reflects Takaful’s core values. Our focus has always been to deliver peace of mind through trust and clarity, not just policies.
How are customer expectations evolving in the Takaful space?
We’re seeing a real shift. Customers today are looking for clarity, ease of access, and responsiveness. They want to understand what they’re getting and how it works. They value flexibility and personalised service. While many still prefer in-person consultation, there’s a growing demand for simplified, self-service touchpoints. Our role is to respond to those expectations without losing the personal, trust-based relationships that define our brand.
What steps has Burgan Takaful taken to enhance its service experience?
We’ve focused heavily on operational excellence and accessibility. This includes faster turnaround on policy issuance, better customer support systems, and more streamlined claims processes. We’ve also upgraded our internal tools to serve clients more efficiently and accurately. While we are gradually exploring more digital solutions, our current efforts prioritise service consistency and customer comfort—both online and offline.
Do you see technology playing a larger role for Burgan Takaful soon?
Absolutely, but with intention. We believe in measured innovation—solutions that add value rather than technology for its own sake. We’re exploring digital tools that can enhance customer engagement, automate certain workflows, and improve access to policy information. These developments will occur in phases, ensuring they align with our ethical commitments and regulatory standards.
Many Takaful operators are turning to mobile platforms and AI tools. How does that trend impact your outlook?
We’re watching those trends closely and recognise their potential. Mobile platforms, AI-based claims management, and predictive analytics are exciting areas. But each must be evaluated through the lens of Shariah compliance and practicality in our market. We’re open to these innovations, especially where they can improve speed, transparency, and customer empowerment. However, our approach will remain careful and compliant at every step.
What distinguishes Burgan Takaful in a competitive insurance market?
It comes down to consistency, clarity, and care. We’re not the loudest in the market, but we’re committed to doing things right. Every policy we issue is built on a foundation of fairness and clear contribution-risk sharing. We maintain strong internal controls and a highly experienced team, which helps us deliver dependable service across every customer interaction. That consistency builds long-term trust, and in this industry, trust is everything.
What’s next for Burgan Takaful?
We’re focused on steady, sustainable growth. This includes refining our product portfolio, expanding customer education efforts, and gradually integrating more digital conveniences. Most importantly, we aim to continue strengthening the bond with our customers. Takaful is based on mutual responsibility, and we want every client to feel they’re part of something meaningful, not just protected but valued.
As Burgan Takaful charts its path forward, the company remains committed to evolving in ways that honour tradition and the modern-day needs of its clients. With steady leadership and a customer-first approach, it continues to uphold the core values of Takaful while embracing the future gradually, step by step.