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Step 1 Join the Takaful Pool
Members contribute to a shared fund used to help those in need.
Built on Trust, Not Profit
How Takaful
Works
Takaful is more than insurance. It’s a community-first system rooted in mutual aid, ethical risk-sharing, and Islamic principles.
Our Process
Discover our range of Shariah-compliant protection plans designed for peace of mind and faith-based living.
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Step 2 Submit a Claim When Needed
If an eligible event happens (e.g. medical, accident), you request support from the pool.
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Step 3 Risk Shared Together
Unlike profit-based models, everyone supports one another in a cooperative way.
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Step 4 Surplus is Shared, Not Taken
If there’s money left after claims, it’s either reinvested, donated, or shared — never pocketed.
What is the Takaful Pool?
All members contribute a small monthly amount to a collective fund. This fund is used to assist members facing unexpected life events — just like an extended family.
Participants
Contributions
Surplus &
Investment
Returns
Interest free
loans (Qard
al-Hasan)
Risk Shared — Not Sold
Conventional insurance transfers risk to a company for profit. Takaful spreads risk across the group — nobody profits from others’ misfortunes.
Collective
Responsibility
Participants contribute to a common pool, and the funds are used to help any member facing a covered loss. This creates a sense of mutual support instead of a buyer-seller relationship.
No Profit from
Uncertainty
In conventional insurance, risk is treated as a commodity to be priced and sold for profit. In Takaful, risk is shared among members, avoiding exploitation of uncertainty (gharar).
Ethical and Transparent
Fund Use
All contributions remain collectively owned by participants, and surplus funds (after claims and expenses) may be redistributed back to them or used for community benefit.
When There's Extra — You Benefit Too
If the Takaful fund collects more than it pays out, that surplus may be:
Reinvested in halal ways
Donated to charity
Shared with members (based on a fair model)
All claims are reviewed under Shariah-compliant guidelines, overseen by our advisory board.