Halal Term Life Insurance (Takaful)
Faith-Aligned Protection
Life insurance that supports your loved ones. Built on Takaful, rooted in trust, and fully Shariah-compliant.
What Is Takaful Life Insurance?
Term life insurance provides protection for a specific period of time, known as the "term." If you pass away during this term, your beneficiaries receive a predetermined payout that can help them maintain financial stability.
This straightforward protection is ideal for those with financial dependents, mortgage obligations, or educational expenses to cover. The fixed duration allows you to match your coverage to your specific life stage and responsibilities.
Unlike permanent life insurance, term life insurance is designed to be affordable while offering substantial coverage when your loved ones might need it most.
How It Works at Sakinah
Our Term Life Insurance follows the Takaful model, which is fundamentally different from conventional insurance:
This means that your contributions are pooled together with other participants to form a mutual fund. In the spirit of mutual aid and cooperation, the pooled funds are used to support any participant facing loss, ensuring financial support for their families.
Unlike conventional insurance where the company profits from unused premiums, any surplus funds in our Takaful pool are either invested ethically to be used another day, or redistributed back to participants, ensuring transparency and fairness for all.
Sharia-Compliant
Sakinah is designed to support families with a transparent, ethical alternative rooted in mutual care; not corporate profit.
Up to $1M
Flexible plans that fit your needs; starting small, scaling with you.
Getting Started Is Easy
Register Your Interest
Fill out the form with your preferred term length and coverage amount. Doing this will not only help us launch faster, but it also makes you the first to receive coverage when we do.
Get Your Quote
Closer to launch day, our team will reach out with a quote for your monthly payment. No invasive medical exam or extensive health questionnaire. Just instant, data driven underwriting.
Join the Sakinah Community
Once we launch, you can review your preferred term and coverage amount, start making contributions and give your family Sakinah (peace of mind)!
Why Choose Sakinah?
Rooted in faith, committed to community, and designed for the modern Muslim family.
Fixed Coverage Periods
Choose from 10, 20, or 30-year terms to match your specific needs
Affordable Contributions
Budget-friendly protection that provides
substantial coverage
Shariah-Compliant
No compromise on Islamic financial principles
Mutual Responsibility
Support others in the community while being supported in return
