Zitouna Takaful plans to open 35 new outlets by the end of 2013 in order to meet the needs of the network, with fifty agents having already started a training program. According to Makram Ben Sassi, the company’s general manager, the penetration rate of Takaful insurance in Tunisia is below global average. A second takaful insurer, El Amana Takaful, has recently obtained license and a third is being established.