Halal Life Insurance,
For Your Peace of Mind

The first Takaful life insurance product in the USA, designed to help the community in times of need.

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Takaful Life Insurance

What is Takaful?

Takaful comes from an Arabic word كفل, meaning “to support each other.” It’s a shariah-compliant insurance system where people come together to help one another in times of need. Based on the principle of cooperation encouraged in the Qur’an, Takaful offers a way to provide financial protection that is aligned with Islamic values.

Illustration of Muslim family reviewing Takaful insurance documentsMuslim mother joyfully lifting her baby in the air, highlighting family protection and peace of mind through Shariah-compliant halal life insurance and Takaful coverage.
The Takaful Framework

Key Principles of Takaful

1
Mutual Support

Participants contribute to a shared pool of money that’s there to help anyone who faces unexpected hardships. This is done with the intention of helping others, rather than expecting anything in return. By pooling contributions, everyone is supported in difficult times.

2
Shared Risk

The money in the pool is managed by Sakinah, and any surplus that isn’t used for claims is shared back with the participants. This way, everyone shares both the risks and the benefits.

3
Trust and Management

At Sakinah, we manage the fund on behalf of participants. We take care of everything—from handling claims to making sure the funds are ethically invested. We share investment profits, and take a small fee for managing the fund, ensuring everything is done transparently and according to Islamic principles.

Shariah Compliance

Shariah Compliance Certification

At Sakinah, we are committed to making sure everything we do aligns with Islamic values. That’s why our operations are overseen by a trusted Shariah Supervisory Board. This ensures that all our investments and processes follow Shariah law, giving you peace of mind that your financial protection is fully aligned with your faith.

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Become the first to know when we launch. Simply input some basic information, and we will keep you updated as we get closer to launch!

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Gianna Johnson