Takaful Ikhlas will focus on group insurance schemes in efforts to educate more Malay clients on the importance of Islamic insurance policy and protection coverage. President and Chief Executive Officer Ab Latiff Abu Bakar said the Islamic insurance penetration rate by the Malays in the country was only 12 per cent. Of the 88 per cent of the Malay market for Islamic insurance protection which have not been penetrated, the company is aiming to secure up to 10 per cent next year, driven by would-be-launched new group schemes and existing group insurance policies, he said. Takaful Ikhlas is targeting RM10 million returns in the next five years from its group insurance schemes. Ab Latiff said Takaful Ikhlas was also confident of netting RM2 million worth of sales this year from RM1.5 million last year, aided by the appointment of more agents, up to 50, and improved marketing strategies.