Islamic capital markets and Shariah-compliant insurance have so far developed separately. However, linking the two markets could cause momentum for both. A big constraint on sukuk market growth has been the product's lack of secondary liquidity. On the other side, the pool of investable money held by insurance companies is a big target for building capacity in the Islamic capital markets. One point of connection between sukuk and takaful markets is that every sukuk deal is backed by commercial assets which are covered by insurance. So far, sukuk issuers can also use conventional insurance for that matter. However, greater use of Islamic insurance would likely make it more efficient und thus, reduce rates.