Shariah Compliant Takaful & Risk Advisory

At Associated Insurance Brokers, we bridge the gap between large-scale project financing and Islamic ethical standards. As a vetted intermediary for the BIC – Ihsan Qard Hasan Benevolent Impacts Capital framework, we specialize in structuring risk protection solutions that honor the principles of Fiqh al-Muamalat.
 
Our dedicated Shariah Compliance and Takaful Advisory function ensures that your project’s insurance requirements are met without compromising your values.
 
Our Specialized Capabilities
We provide a comprehensive suite of services designed for infrastructure, commercial projects, and benevolent capital initiatives:
  • Takaful Structuring: Designing insurance solutions based on the Islamic principle of mutual risk-sharing (Ta’awun) rather than traditional risk transfer.
  • Credit Protection Instruments (CPI): Facilitating specialized Takaful-compatible CPIs required for capital disbursement and project activation.
  • Ethical Compliance: Ensuring all policy documentation is free from Riba (interest), Gharar (excessive uncertainty), and Maysir (gambling).
  • Regulatory & SSB Coordination: Working directly with Shariah Supervisory Boards (SSB) and Investment Compliance Divisions to ensure seamless policy verification and authentication.
  • Custom Underwriting Frameworks: Aligning project-specific risks with reputable Takaful operators and Shariah-compliant reinsurance partners.