Gulf Insurance Group
A Brand Audit

Prepared by Refreshment Club · For the team at GIG · Confidential

The strategy is clear.
The brand has room to catch up.

Findings drawn from the GIG Annual Report 2025, corporate profile, group and subsidiary digital estates, and the competitive MENA landscape.

The Inputs

Five public sources. One clear pattern.

01

GIG Annual Report 2025

Strategy, financials, ESG, voice.

02

Corporate Profile

Heritage, values, B2B narrative.

03

Digital Estate

18+ subsidiary websites across 12 MENA markets.

04

Press & Filings

Fairfax MTO, S&P, A.M. Best.

05

Competitor Set

Tawuniya, QIC, ADNIC, Sukoon.

Public materials only.

The Portfolio

Twenty entities. One parent.

Subsidiaries — GIG controls

01GIG Kuwait · Kuwait · composite

02BKIC (GIG Bahrain) · Bahrain · composite

03Takaful International · Bahrain · takaful

04Arab Orient (GIG Jordan) · Jordan · composite

05GIG Saudi · KSA · composite

06Gulf Warranties · KSA · warranties

07GIG Gulf · UAE/Oman/Qatar/BH

08Gulf Sigorta · Türkiye · composite

09AMIG (GIG Egypt) · Egypt · P&C

10GIG Egypt Life Takaful · Egypt · takaful life

11L'Algérienne (GIG Algeria) · Algeria · composite

12GIG Iraq · Iraq · composite

13Fajr Al Gulf · Lebanon · composite

14GIG Takaful · Kuwait · takaful

15GLIC (Gulf Life) · Kuwait · life

16GlobeMed Kuwait · Kuwait · TPA

Associates — strategic stake

17Alliance Insurance · UAE

18AGLIC (Algerian Gulf Life) · Algeria

19yallacompare · Regional · healthtech

20ETPL · Egypt · takaful P&L

0 subsidiaries + 0 associates · 0 markets · one parent (Fairfax, 0.00%)

Percentage of Insurance Revenue

Revenue concentration across MENA.

0%Kuwait

0%UAE

0%KSA

0%Bahrain

0%Türkiye

0%Jordan

0%Egypt

0%Oman

0%Qatar

0%Algeria

0.0%Lebanon

0.0%Iraq

GIG-Jordan

Composite

KD 0.0/US$ 0.0KD 0.0/US$ 0.0KD 0.0/US$ 0.0

GIG-Egypt

General

KD 0.0/US$ 0.0KD 0.0/US$ 0.0KD 0.0/US$ 0.0

GIG-Algeria

General

KD 0.0/US$ 0.0KD 0.0/US$ 0.0KD 0.0/US$ 0.0

GIG-Egypt Life Takaful

Life & Medical

KD 0.0/US$ 0.0KD 0.0/US$ 0.0KD 0.0/US$ 0.0

GIG-Iraq

Composite

KD 0.0/US$ 0.0KD 0.0/US$ 0.0KD 0.0/US$ 0.0

GIG-Lebanon

Composite

KD 0.0/US$ 0.0KD 0.0/US$ 0.0KD (0.0)/US$ (0.0)

GIG-Gulf Deep Dive

Scale, strength, and a consumer platform.

Est. 0

0% GIG

0 Branches

BHD 0.0mn Capital

0 Staff

A

Excellent Stable

Insurance Revenue

2023

KD 171.0/$557.6

2024

KD 178.3/$579.5

2025

KD 194.2/$633.0

Technical Results

2023

KD 10.0/$32.5

2024

KD 9.4/$30.6

2025

KD 13.6/$44.2

LOB

ROA 4.3% / 2.3% / 4.7%ROE 0.3% / 5.2% / 9.0%ROI 3.0% / 2.0% / 5.5%

Finding 01 · Voice

Four stories. One brand waiting to be unified.

“Delivering stability, enduring resilience.”Annual Report · Investor register

“A legacy you can count on — Trusted. Caring. Committed.”Corporate Profile · B2B register

“We're here to make insurance more human.”Group Website

“Insurance that can't be beaten.”GIG Gulf · Consumer

Finding 02 · Architecture

A portfolio shaped by acquisition.
Ready to be shaped by design.

18 brand entities across 12 markets.

Strengthening Brand and Identity.

Named as a strategic priority in the 2025 strategic review.

The brief is already written — by GIG itself.

The Move

Three territories where we can move the brand forward.

01

Unify the brand.

02

Modernise the story.

03

Lead with innovation.

Territory 01 · Unify

From 18 entities and 4 systems to one Branded House — “ONE GIG, lived locally.”

The Opportunity

Bring 18 entities and 4 systems together into one scalable Branded House.

What It Unlocks

Consumer clarity, marketing efficiency, and a confident post-Fairfax position.

What We'd Deliver

Architecture, value set, identity refresh, “A Fairfax Company” endorsement system.

Territory 02 · Modernise

Who carries the consumer brand — the master, or the sub-brand it acquired?

The Inheritance

GIG Gulf carries the consumer trust AXA built from 1950 — rebranded June 2022.

The Gap

The master brand has investor and B2B fluency. No articulated consumer voice.

A positioning platform that defines the master brand's role with the consumer — and how GIG Gulf fits inside it.

Territory 03 · Innovate

Egypt and Qatar are ready-made proof points.

The Framework

ONE GIG, lived locally.

GIG Master Brand

National Masters
Bahrain · Jordan · Saudi · Egypt · Türkiye

GIG Gulf Cluster
UAE · Oman · Kuwait

Takaful Endorsed

Specialty Endorsed
BKIC · AMIG · Arab Orient · AGLIC · Alliance

01 Foundation (1–4)02 System (5–12)03 Activation (13–24)

PROJECT ONE

Corporate Assets, Reimagined.

What if GIG's investor decks, annual reports, and pitch materials weren't PDFs — but living, breathing digital experiences?

This presentation is the proof of concept. Scroll down to see three real examples.

Before · Static PDF

Static revenue map infographic

Scroll to see it come alive ↓

After · Interactive Experience

Percentage of Insurance Revenue

0%Kuwait

0%UAE

0%KSA

0%Bahrain

0%Türkiye

0%Jordan

0%Egypt

0%Oman

0%Qatar

0%Algeria

0.0%Lebanon

0.0%Iraq

GIG

GIG-Jordan

Composite Insurer

KD 0.0 Mn / US$ 0.0 Mn

KD 0.0 Mn / US$ 0.0 Mn

KD 0.0 Mn / US$ 0.0 Mn

GIG

GIG-Egypt

General Insurer

KD 0.0 Mn / US$ 0.0 Mn

KD 0.0 Mn / US$ 0.0 Mn

KD 0.0 Mn / US$ 0.0 Mn

GIG

GIG-Algeria

General Insurer

KD 0.0 Mn / US$ 0.0 Mn

KD 0.0 Mn / US$ 0.0 Mn

KD 0.0 Mn / US$ 0.0 Mn

GIG

GIG-Egypt Life Takaful

Life & Medical Insurance

KD 0.0 Mn / US$ 0.0 Mn

KD 0.0 Mn / US$ 0.0 Mn

KD 0.0 Mn / US$ 0.0 Mn

GIG

GIG-Iraq

Composite Insurer

KD 0.0 Mn / US$ 0.0 Mn

KD 0.0 Mn / US$ 0.0 Mn

KD 0.0 Mn / US$ 0.0 Mn

GIG

GIG-Lebanon

Composite Insurer

KD 0.0 Mn / US$ 0.0 Mn

KD 0.0 Mn / US$ 0.0 Mn

KD (0.0) Mn / US$ (0.0) Mn

Before · Static PDF

Static GIG-Gulf factsheet

Scroll to see it come alive ↓

After · Interactive Experience

GIG-Gulf

Est. 1950100% GIG15 BranchesBHD 1.5mn CapitalComposite InsurerGIG-Saudi (50%)848 Staff

Top Achievements During 2025

Achieved nearly 40% growth in online and digital channels through improved customer adoption and satisfaction. Streamlined renewal, claims reporting, customer interaction, cancellations, and automated refund processes.

Granted a license type "A" by the Financial Services Authority (FSA) under the new Health Regulations in the Sultanate of Oman to provide health insurance.

New medical platform for Retail Operations rolled out in the United Arab Emirates driving a competitive advantage.

A

Excellent Stable

Insurance Revenue (KD Mn / US$ Mn)

2023

KD 0.0 / $ 0.0

2024

KD 0.0 / $ 0.0

2025

KD 0.0 / $ 0.0

Total Technical Results

2023

KD 0.0 / $ 0.0

2024

KD 0.0 / $ 0.0

2025

KD 0.0 / $ 0.0

Composition of Insurance by LOB

ROA

2023

0.0%

2024

0.0%

2025

0.0%

ROE

2023

0.0%

2024

0.0%

2025

0.0%

ROI

2023

0.0%

2024

0.0%

2025

0.0%

Before · Static Image

Scroll to see it come alive ↓

After · Interactive Experience

Gulf Insurance Group

12 markets · 16 subsidiaries · One ambition

Project One

Deliverables that turn corporate material into an experience.

Annual Report Micro-site

Investor Deck

Subsidiary Factsheets

ESG Report

All built on one design system. All animated. All on-brand.

Phase 1 · Weeks 1–4Phase 2 · Weeks 5–8Phase 3 · Weeks 9–12

PROJECT TWO

From Regional Leader to Global Brand.

A complete brand transformation for GIG and its portfolio.

Vision + Scope

The scale exists. The brand doesn't match it — yet.

0 Markets0 SubsidiariesA-Rated0.00% Fairfax-Owned

Brand Strategy

Brand Architecture

Visual Identity

Verbal Identity

Brand Guidelines

Launch Strategy

The window is open.

Fairfax acquisition complete at 97.06%.

Strengthening Brand and Identity is in GIG's own plan.

Tawuniya, Sukoon, QIC investing heavily in brand.

The window to define the category is open.

From a leading regional player to a recognised global brand.

We'd be honoured to help build it.