Protect Their Future
with Halal Life Insurance (Takaful)
The first Shariah-compliant life insurance in the US, built on Takaful and rooted in faith, community, and mutual support.
Protection Powered by Community
Mutual Support
Members contribute to support others in hardship. Not for profit, but out of care.
Shared Fund
Unused surplus is returned to participants. Risks and rewards are shared fairly.
Trust and Management
Sakinah manages the fund transparently and in line with Islamic values.
What Is Takaful Life Insurance?
What makes Takaful life insurance a truly ethical, Shariah-aligned alternative to conventional coverage.
Takaful life insurance is a Shariah-compliant model rooted in the principle of mutual support.
The word Takaful comes from Arabic, meaning "to support one another." In this cooperative system, members contribute to a shared fund that helps individuals and families during times of need.
It's a faith-aligned, ethical alternative to conventional insurance. It's grounded in values of solidarity, transparency, and community care. Unlike traditional insurance models driven by profit, Takaful emphasizes collective responsibility, where risk is shared and trust is central. This model not only aligns with Islamic principles but also fosters a sense of belonging, compassion, and financial security within the community.
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)!
How Takaful Insurance Is Different
Understanding what makes Takaful a true faith-aligned alternative to conventional insurance
Takaful (Shariah-Compliant)
Conventional Insurance
Risk is shared: Participants help each other in times of need
Risk is transferred to the company. It's a win/lose model
Given with the intention to support the community
Premiums are kept by the company, even if no claim is made
Extra funds are shared back with participants or held to support future losses
Profits go to the company only
Shariah-compliant, no riba or unethical businesses
Often involve riba or non-Islamic investments
Covered through interest-free loans. No burden on participants
Company covers losses, but at a profit motive
Clear purpose and shared benefit reduce uncertainty
Uncertainty if no claims are made, you may get nothing back
Faith-Aligned.
Every Step of the Way.
At Sakinah, Shariah-compliance isn’t a feature, it’s our foundation. Every part of our operations is overseen by a trusted Shariah Supervisory Board to ensure full alignment with Islamic law.
Built on Trust & Ethics
Our investments and processes follow clear Shariah principles so you know your plan is rooted in values you believe in.
Oversight You Can Rely On
A qualified Shariah board reviews and approves every aspect of our operations, ensuring transparency, fairness, and full compliance.
Alcohol
Gambling
Impure Food
Adult Entertainment
Riba
Our Guiding Principles
Rooted in faith, committed to community, and designed for the modern Muslim family.
Faith & Integrity
Every aspect of our operation is guided by Islamic principles. We uphold the highest standards of integrity in all we do, ensuring Shariah-compliance at every step.
Transparency
We believe in openness, which is why we are transparent in how we operate, where your money goes, how investments are made, and how claims are processed.
Mutual Support
At the heart of Takaful is the spirit of helping one another. Your contributions support others in times of hardship, and in return, you're supported when you need it most.
Community Empowerment
We're building more than just a Takaful provider. We're nurturing a movement. A community of mutual care that helps North American Muslims protect their families' futures.
Financial Literacy
We're committed to educating our community on Islamic finance. By empowering families with knowledge, we help them make informed, faith-aligned decisions about their
financial future.
Addressing a Need in Our Community
Sakinah is built to serve the growing North American Muslim community with financial solutions that respect our values.
Latest from Our Blog
Learn more about halal life insurance, Islamic finance, and how to protect your family's future
Understanding Takaful
What is Takaful and How Does it Work?
An Islamic, community-based system of financial protection that replaces profit-driven insurance with shared responsibility, ethical investments, and transparency.
Aug 12, 2025
Community and Values
The Spirit of Community: How Takaful Reflects Islamic Brotherhood
Why Shariah-compliant protection goes beyond finance, fostering unity, trust, and mutual care among Muslims.
Aug 10, 2025
Financial Planning for Muslim Families
Why Life Coverage is a Gift of Love and Protection
How Shariah-compliant financial planning ensures your loved ones are supported when they need it most — a lasting expression of care, faith, and responsibility.
Aug 9, 2025