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  • Mufti Muhammad Saeed khan (chairmain of Islamic school/madrassa) Mardan
  • Qari Ajmel sahib Lecturer in Darul-uloom Peshawr NWFP
  • Muhammad Usman, relationship manager, Pakqatar family takful limited Peshawar branch NWFP
  • Fawad khan, director of Pakqatar family takaful limited, Islamabad branch
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  7. Panko,ron conducted researched (title: The last word), best review publication, jun 1,2007. he narrated that
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  15. Panko,Ron, (2007), Islamic approved insurance growing around the world, because conventional insurance does not meet Islamic standard-Takaful is the answer, Best's Review.
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