{"id":17842,"date":"2022-01-13T19:00:00","date_gmt":"2022-01-13T11:00:00","guid":{"rendered":"https:\/\/www.comparehero.my\/blog\/uncategorized\/difference-takaful-life-insurance.html"},"modified":"2026-03-27T08:28:48","modified_gmt":"2026-03-27T00:28:48","slug":"difference-takaful-life-insurance","status":"publish","type":"post","link":"https:\/\/www.comparehero.my\/blog\/insurance\/difference-takaful-life-insurance.html","title":{"rendered":"A Complete Guide To Takaful vs Conventional Life Insurance in 2022"},"content":{"rendered":"\n<p style=\"text-align: left;\">Always wondered what is the difference between Takaful and Life Insurance? Although both offer the same purpose which is to protect the insurer, there are some major differences between both. Takaful is a relatively new insurance product that is marketed as an Islamic alternative to conventional insurance and is often referred to as \u201cIslamic\u201d Insurance.<\/p> \n<!--more--><p style=\"text-align: left;\">Read on to find out more so you have more insurance coverage options and to help you pick the best type of coverage for your lifestyle.<\/p> \n<h2 style=\"text-align: left;\">What is Takaful?<\/h2> \n<p style=\"text-align: left;\">Takaful is a <em>Shariah<\/em> compliant insurance option grounded in Islamic <em>Muamalat <\/em>(Islamic transactions) products. There are various <em>Shariah<\/em> compliant products under Takaful such as life Takaful, medical Takaful, motor Takaful and more. The term Takaful also refers to the concept of Islamic insurance based on mutual cooperation, where both risks and funds are shared between the insured and insurer.<\/p> \n<p style=\"text-align: left;\">Mutual financial aid is provided through Takaful pool known as <em>Tabarru\u2019<\/em> (funds) which are collectively contributed from a group of people who choose to be covered under Takaful. Malaysian Takaful Association (MTA) is the body of reference for all Takaful related matters in Malaysia. The Takaful industry in Malaysia is also regulated through the Islamic Financial Services 2013 act.<\/p> \n<p style=\"text-align: left;\">Takaful coverage is also available for anyone, and one does not have to be Muslim to take on Takaful coverage or even to be a Takaful agent.<\/p> \n<p style=\"text-align: left;\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/144634072.fs1.hubspotusercontent-eu1.net\/hubfs\/144634072\/assets_comparehero\/MY_BLOG_TakafulInsurance_2-1.jpg?resize=640%2C289&#038;ssl=1\" alt=\"Takaful insurance\" width=\"640\" height=\"289\"><\/p> \n<h3 style=\"text-align: left;\">Features of Takaful<\/h3> \n<ul style=\"text-align: left;\"> \n <li>No claim cash back policy \u2013 if you don\u2019t make any claims within the coverage period, you will get a certain amount of cash back from your Takaful provider for selected Takaful products. The amount, however, is decided upon by the Takaful provider and there is no set amount to adhere to.<\/li> \n <li><em>Shariah<\/em>-compliant \u2013 it must adhere to all Islamic laws and not involve anything <em>Haram<\/em>.<\/li> \n<\/ul> \n<h2 style=\"text-align: left;\">The difference between Takaful and Conventional life insurance<\/h2> \n<p style=\"text-align: left;\">Although essentially both Takaful and conventional life insurance serves the same purpose of providing coverage, there are major differences between the two as can be seen below:<\/p> \n<h3 style=\"text-align: left;\">1. Intent<\/h3> \n<p style=\"text-align: left;\">Individual enters the agreement to contribute to a fund that can potentially help those experiencing the unfortunate situation. On the other hand, a conventional insurance policy is purchased as a personal financial security for an individual, and the insurance company is the risk bearer.<\/p> \n<h3 style=\"text-align: left;\">2. Investment<\/h3> \n<p style=\"text-align: left;\">The conventional investment units of insurance will invest based on their assessment of what fits their profiles. However, Takaful investments will follow strict principles. Takaful cannot invest in anything that has elements of gambling, uncertainty or the practice of lending money at unreasonably high-interest rates.<\/p> \n<h3 style=\"text-align: left;\">3. Returns<\/h3> \n<p style=\"text-align: left;\">If there is extra money because of low claim rates by insurers under Takaful, it will be distributed to participants. While the profits from investments will be distributed to both participants and shareholders. Takaful operators make money through performance fee or by sharing the surplus. But the total amount of payment from the surplus that Takaful operators get cannot exceed the amount that is paid to Takaful participants.<\/p> \n<p style=\"text-align: left;\">However, under conventional insurance, extra money and profits belong to the shareholders of the insurance companies.<\/p> \n<table> \n <tbody> \n  <tr> \n   <td style=\"background-color: #176c9b; text-align: center; vertical-align: middle; color: white;\"><strong>Takaful<\/strong><\/td> \n   <td style=\"background-color: #176c9b; text-align: center; vertical-align: middle; color: white;\"><strong>Conventional Insurance<\/strong><\/td> \n  <\/tr> \n  <tr> \n   <td>Based on mutual cooperation<\/td> \n   <td>Based on commercial factors only<\/td> \n  <\/tr> \n  <tr> \n   <td>Subject to Shariah laws and government laws<\/td> \n   <td>Subject to government laws only<\/td> \n  <\/tr> \n  <tr> \n   <td>Takaful plan holders and shareholder\u2019s capital can only be invested in Shariah compliant investment funds<\/td> \n   <td>Capital of the premium for conventional insurance is invested in funds and investment channels that are not necessarily Shariah compliant<\/td> \n  <\/tr> \n  <tr> \n   <td>Free from Riba (interest), Gharar (uncertainty) and Maysir (gambling)<\/td> \n   <td>Has elements of interest, gambling and uncertainty<\/td> \n  <\/tr> \n  <tr> \n   <td>Risks are shared and distributed among Takaful participants who agree to jointly assume risk<\/td> \n   <td>Risk is transferred and passed on from individual to conventional insurance provider<\/td> \n  <\/tr> \n <\/tbody> \n<\/table> \n<p style=\"text-align: left;\">Before deciding on a Takaful insurance coverage, check if your agent is registered as a Takaful agent with MTA. This is to make sure you don\u2019t get cheated by an unscrupulous individual posing as a Takaful agent. All Takaful agents are required to register with MTA before they are authorised to promote and distribute Takaful products. All registered Takaful agents will be issued with an authorization card.<\/p> \n<p style=\"text-align: left;\">You can verify an agent\u2019s registration status with MTA through <a href=\"https:\/\/www.malaysiantakaful.com.my\/consumers\/public-enquiry-agent-status\" target=\"_blank\" rel=\"noopener noreferrer\">the agent search section<\/a> on MTA\u2019s website. You can also have a look at the <a href=\"https:\/\/www.bnm.gov.my\/takaful-operators\" target=\"_blank\" rel=\"noopener noreferrer\">full list of licensed Takaful operators in Malaysia<\/a> from Bank Negara Malaysia\u2019s (BNM) website.<\/p> \n<p style=\"text-align: left;\">Looking for a <em>Shariah<\/em>-compliant credit card that comes with Takaful coverage? <a href=\"https:\/\/www.comparehero.my\/credit-card\/islamic\" target=\"_blank\" rel=\"noopener noreferrer\">Compare Islamic credit cards for free<\/a> on CompareHero.my and get the best deal today.<\/p> \n<p style=\"text-align: left;\"><strong>Related: <\/strong><a href=\"https:\/\/www.comparehero.my\/blog\/travel-insurance-investing-vka-wealth\" target=\"_blank\" rel=\"noopener noreferrer\">Is Travel Insurance Worth Investing In?<\/a><\/p> \n<p style=\"text-align: left;\">Save<\/p> \n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Always wondered what is the difference between Takaful and Life Insurance? Although both offer the same purpose which is to protect the insurer, there are some major differences between both. Takaful is a relatively new insurance product that is marketed as an Islamic alternative to conventional insurance and is often referred to as \u201cIslamic\u201d Insurance.<\/p>\n","protected":false},"author":268230141,"featured_media":489,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_wpcom_ai_launchpad_first_post":false,"_jetpack_hide_featured_image":false,"_jetpack_featured_image_duplicate_dismissed":0,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"{title}\n\n{excerpt}\n\n{url}","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"_wpas_customize_per_network":false,"jetpack_post_was_ever_published":false},"categories":[556],"tags":[],"class_list":["post-17842","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>A Complete Guide To Takaful vs Conventional Life Insurance in 2022 - CompareHero<\/title>\n<meta name=\"description\" content=\"What is the difference between Takaful coverage and conventional life insurance? 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We compare Takaful and conventional insurance to help you decide which is best for your needs. Here is a complete guide on Takaful insurance so you can broaden your insurance options. What is Takaful? Takaful is Shariah compliant insurance option which is grounded\u2026","rel":"","context":"In &quot;Insurance&quot;","block_context":{"text":"Insurance","link":"https:\/\/www.comparehero.my\/blog\/insurance"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2016\/04\/image-8.png?fit=1024%2C768&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2016\/04\/image-8.png?fit=1024%2C768&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2016\/04\/image-8.png?fit=1024%2C768&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2016\/04\/image-8.png?fit=1024%2C768&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":18659,"url":"https:\/\/www.comparehero.my\/blog\/insurance\/unveiling-the-benefits-of-zurich-comprehensive-motor-takaful.html","url_meta":{"origin":17842,"position":1},"title":"Unveiling the Benefits of Zurich Comprehensive Motor Takaful","author":"CompareHero","date":"10 August 2023","format":false,"excerpt":"Car insurance isn't just a legal obligation; it's a safeguard for your peace of mind. Learn why Zurich Comprehensive Motor Takaful stands out as a top choice. Why Choose Zurich Comprehensive Motor Takaful? Zurich Comprehensive Motor Takaful holds a prominent place among Malaysian drivers due to its exceptional features: Comprehensive\u2026","rel":"","context":"In &quot;Insurance&quot;","block_context":{"text":"Insurance","link":"https:\/\/www.comparehero.my\/blog\/insurance"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/FI_Unveiling_the_Benefits_of_Zurich_Comprehensive_Motor_Takaful.png?fit=1200%2C629&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/FI_Unveiling_the_Benefits_of_Zurich_Comprehensive_Motor_Takaful.png?fit=1200%2C629&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/FI_Unveiling_the_Benefits_of_Zurich_Comprehensive_Motor_Takaful.png?fit=1200%2C629&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/FI_Unveiling_the_Benefits_of_Zurich_Comprehensive_Motor_Takaful.png?fit=1200%2C629&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/FI_Unveiling_the_Benefits_of_Zurich_Comprehensive_Motor_Takaful.png?fit=1200%2C629&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":17845,"url":"https:\/\/www.comparehero.my\/blog\/loans\/guide-islamic-financing-malaysia.html","url_meta":{"origin":17842,"position":2},"title":"A Guide on Islamic Personal Loans","author":"CompareHero","date":"15 January 2020","format":false,"excerpt":"What Is Islamic Banking? Islamic personal loans are a part of Islamic finance, and personal loans from Islamic banks in Malaysia are more widely known as personal Islamic financing. Islamic banking adheres to Shariah, which is the Islamic religious law as defined in the Quran, hadith and sunnah. The difference\u2026","rel":"","context":"In &quot;Loans&quot;","block_context":{"text":"Loans","link":"https:\/\/www.comparehero.my\/blog\/loans"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2020\/01\/image-10.png?fit=1024%2C768&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2020\/01\/image-10.png?fit=1024%2C768&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2020\/01\/image-10.png?fit=1024%2C768&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2020\/01\/image-10.png?fit=1024%2C768&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":17928,"url":"https:\/\/www.comparehero.my\/blog\/insurance\/best-takaful-car-insurance-in-malaysia-comparison-of-top-5-providers.html","url_meta":{"origin":17842,"position":3},"title":"Best Takaful Car Insurance in Malaysia: Comparison of Top 5 Providers","author":"CompareHero","date":"18 August 2023","format":false,"excerpt":"Takaful car insurance is a Shariah-compliant alternative to conventional car insurance. It works on the same principle of risk sharing, but it is based on Islamic principles: free from Riba( interest), Gharar(uncertainty) and Maysir(gambling). This makes it a good option for Muslims who want to be sure that their car\u2026","rel":"","context":"In &quot;Insurance&quot;","block_context":{"text":"Insurance","link":"https:\/\/www.comparehero.my\/blog\/insurance"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/FI_Takaful_Car_Insurance-_A_Comparison_of_Etiqa_Kurnia_Zurich_and_Allianz.png?fit=1200%2C629&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/FI_Takaful_Car_Insurance-_A_Comparison_of_Etiqa_Kurnia_Zurich_and_Allianz.png?fit=1200%2C629&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/FI_Takaful_Car_Insurance-_A_Comparison_of_Etiqa_Kurnia_Zurich_and_Allianz.png?fit=1200%2C629&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/FI_Takaful_Car_Insurance-_A_Comparison_of_Etiqa_Kurnia_Zurich_and_Allianz.png?fit=1200%2C629&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/FI_Takaful_Car_Insurance-_A_Comparison_of_Etiqa_Kurnia_Zurich_and_Allianz.png?fit=1200%2C629&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":18112,"url":"https:\/\/www.comparehero.my\/blog\/insurance\/fwd-takaful-bhd-set-to-change-the-way-people-feel-about-takaful.html","url_meta":{"origin":17842,"position":4},"title":"FWD Takaful Bhd Set To Change The Way People Feel About Takaful","author":"CompareHero","date":"15 January 2020","format":false,"excerpt":"FWD Takaful Berhad (\u201cFWD Takaful\u201d) officially launched its brand today and introduced its vision to change the way people feel about Takaful. Marking FWD Group\u2019s (\u201cFWD\u201d) ninth market in just five years, the brand will leverage FWD\u2019s strength and expertise in the insurance and protection business to cement its position\u2026","rel":"","context":"In &quot;Insurance&quot;","block_context":{"text":"Insurance","link":"https:\/\/www.comparehero.my\/blog\/insurance"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/fwd-takaful.jpg?fit=1200%2C628&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/fwd-takaful.jpg?fit=1200%2C628&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/fwd-takaful.jpg?fit=1200%2C628&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/fwd-takaful.jpg?fit=1200%2C628&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/fwd-takaful.jpg?fit=1200%2C628&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":18755,"url":"https:\/\/www.comparehero.my\/blog\/credit-cards\/guide-islamic-credit-cards.html","url_meta":{"origin":17842,"position":5},"title":"Your Guide To Islamic Credit Cards","author":"CompareHero","date":"30 October 2019","format":false,"excerpt":"What are Islamic credit cards? Islamic credit cards are Shariah compliant financial products which are a part of Islamic banking. An Islamic credit card offers perks and features similar to a conventional credit card such as cashback, rewards, airmiles and more. Aside from that, there are extra benefits to Islamic\u2026","rel":"","context":"In &quot;Credit Cards&quot;","block_context":{"text":"Credit Cards","link":"https:\/\/www.comparehero.my\/blog\/credit-cards"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2019\/10\/image-9.png?fit=1024%2C768&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2019\/10\/image-9.png?fit=1024%2C768&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2019\/10\/image-9.png?fit=1024%2C768&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2019\/10\/image-9.png?fit=1024%2C768&ssl=1&resize=700%2C400 2x"},"classes":[]}],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/difference-takaful-life-insurance.jpg?fit=1200%2C628&ssl=1","_links":{"self":[{"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/posts\/17842","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/users\/268230141"}],"replies":[{"embeddable":true,"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/comments?post=17842"}],"version-history":[{"count":1,"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/posts\/17842\/revisions"}],"predecessor-version":[{"id":56923,"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/posts\/17842\/revisions\/56923"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/media\/489"}],"wp:attachment":[{"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/media?parent=17842"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/categories?post=17842"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/tags?post=17842"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}