IFMP Family Takaful Agents Certification (FTAC), Pakistan exam-day guide
IFMP Family Takaful Agents Certification (FTAC), Pakistan · Prepare for the day ahead.
Your checklist
Admit card / hall ticket
Print or download the admit card issued for your FTAC sitting. Confirm the exact document name and whether a printed copy is mandatory with your training provider or the examining body before exam day.
Original photo ID
Bring the original government-issued photo ID (typically CNIC for Pakistani candidates) whose number matches your registration. Photocopies are usually not accepted; confirm the accepted ID types with the provider.
Candidate registration/roll number
Note your roll or registration number on paper as a backup in case the admit card is misplaced.
Confirmation of venue, date and reporting time
Re-check the venue address, reporting time and test mode (paper-based or computer-based) in your admit card or provider communication; these details vary by centre and session.
Black ballpoint pens (two)
For paper-based sittings, bring at least two working black ballpoint pens. Confirm any pen colour or pencil requirement with the invigilator instructions.
Permitted calculator
Takaful questions may involve contribution, benefit or reserve arithmetic. Confirm with the provider whether a basic non-programmable calculator is allowed and whether it must be silent and non-scientific.
Transparent water bottle and light snack
Only if the venue permits; confirm with the provider, as rules differ by centre.
Watch (non-smart)
Many halls have no visible clock. A plain analogue or digital watch without communication features is normally acceptable; confirm with the provider.
Travel and timing plan
Plan to arrive at least 45-60 minutes early to allow for security checks, document verification and seating.
Syllabus and formula sheet for last-minute revision
Bring a one-page summary of key Takaful concepts (Tabarru', Wakalah, Mudarabah, surplus distribution, retakaful) for use only before entering the hall.
Leave prohibited items at home
Mobile phones, smart watches, notes and bags are generally banned in the exam hall. Confirm the storage arrangements with the provider.
Dress code and accessibility needs
Check whether the venue imposes a dress code and confirm any accessibility or extra-time arrangements well in advance with the provider.
Plan the day
Confirm your admit card, ID and venue details. Re-read the official syllabus and the exam format (number of questions, time allowed, pass mark if published). Do not start new topics; revise your weakest two or three areas only.
Take one full timed mock under exam conditions if you have not already. Review errors by topic rather than by question, and note recurring mistakes such as confusing Wakalah fees with Mudarabah profit shares.
Revise the core Takaful mechanics: how a Takaful fund is built from Tabarru' donations, the roles of the operator and participants, surplus and deficit treatment, and how retakaful protects the fund. Practise a few contribution and benefit calculations if the syllabus includes them.
Do a light revision of your summary sheet only. Pack your admit card, ID, pens and calculator. Check the route and journey time to the venue, and set two alarms.
Sleep a full night. Avoid last-minute cramming of new material, as it increases anxiety and rarely improves recall.
Eat a normal meal, arrive early, and keep your summary sheet outside the hall. Switch off your phone and hand over any prohibited items as instructed before entering.
Read the instructions and confirm the total number of questions and marks. Answer the questions you know first, flag uncertain ones, and return to them. Watch the clock and keep a few minutes for checking.
For scenario questions, identify the key actor (participant, operator, regulator) and the principle being tested before choosing an option. Eliminate clearly wrong options first.
Note any questions you found unclear and the result timeline given by the invigilator. Confirm with the provider how and when results will be released.
Rules to check
Bring the original photo ID specified in your admit card and present it on request. Candidates without acceptable ID are normally refused entry; confirm the exact ID requirements with the provider.
Mobile phones, smart watches and unauthorised notes must be switched off and stored outside the exam hall. Possession in the hall is generally treated as misconduct.
Follow the invigilator's instructions on seating, timing and permitted materials. Do not communicate with other candidates during the test.
Breaks are usually not permitted once the test has started; confirm the provider's policy on toilet breaks and whether the clock stops.
Scoring and the pass mark are set by the examining body. Confirm the published pass mark and any negative marking policy with the provider rather than assuming.
If you need to leave early or feel unwell, raise your hand and wait for the invigilator; do not leave the hall unescorted.
Report any discrepancy in your name or roll number to the invigilator before the test begins, as corrections after the sitting may not be possible.