Verdict: Ikhlas Insurance Group is the simplest starting point for a Muslim family that wants life insurance and is unsure what is allowed. It is a Muslim-owned brokerage, it works in all 50 states, and it only sells term life. Cash-value, universal, indexed, and variable policies are screened out. The consultation is free, because carriers pay the broker.
Ikhlas Insurance Group also helps with health insurance, Medicare, and dental, vision, and hearing coverage. Compare it with other options on the insurance hub.
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Who Ikhlas Suits
- Parents who want to protect their children if they pass away
- Homeowners who want the house covered for their family
- Anyone unsure which policy types are Shariah-acceptable
- People who want a Muslim broker to compare carriers for them
Why Term Life Only
Term life is pure protection. You pay a premium, and if you pass away during the term, your family receives the benefit. Nothing builds up inside the policy.
Cash-value policies, like whole life and universal life, add an investment piece that usually earns interest. That is why Ikhlas leaves them out. Its approach follows the Fiqh Council of North America's position that some North American life contracts can meet fiqh requirements.
Who Vets the Carriers
Carriers are reviewed by Ikhlas's Chief Sharia Officer, Sh. Joe Bradford. Ikhlas only works with carrier partners that pass that review.
Beyond Life Insurance
Ikhlas also helps with coverage most families need anyway. Individual and family health plans include ACA marketplace plans with help on subsidies. Medicare guidance covers Parts A through D and Medigap. Small businesses with two or more employees can get group health quotes.
Ikhlas also bundles dental, vision, and hearing coverage. Hearing coverage is hard to find on its own, which matters for older parents. For the religious side of health coverage, see Medicare and Medicaid for Muslims.
Ikhlas at a Glance
| Item | Ikhlas Insurance Group |
|---|---|
| Where | All 50 states |
| Life products | Term life only |
| Screened out | Cash-value, universal, indexed, variable |
| Sharia oversight | Chief Sharia Officer Sh. Joe Bradford |
| Cost to consult | Free. Carriers pay the broker |
| Other lines | Health, Medicare, group health, dental, vision, hearing |
| Contact | Book online or call (833) 853-5333 |
Ikhlas vs Other Muslim Insurance Options
| Provider | What it is | Status |
|---|---|---|
| Ikhlas Insurance Group | Muslim-owned broker, term life | Live in 50 states |
| HAYA Financial | Insurance planning practice | Free consultation |
| Takadao | Crypto-based mutual protection | Invite only, not regulated |
| Sakinah | Planned takaful life | Pre-launch waitlist |
HAYA Financial is a Sacramento planning practice that starts with a free call. Takadao runs a member pool on a blockchain and states it is not backed by any regulated institution. Sakinah is not selling policies yet. For most families who want coverage now, a regulated term policy through a broker like Ikhlas is the practical route.
How Much Coverage to Get
A common starting point is enough to replace your income for the years your children depend on you, plus the remaining home balance. A term that runs until your youngest finishes school is typical.
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Read how much life insurance a Muslim family needs to work out a number before the call.
How the Process Usually Runs
- Book a free consultation online or by phone
- Share your family situation, income, and debts
- Ikhlas compares term policies from vetted carriers
- You apply with the carrier you choose
- The carrier underwrites and issues the policy
Frequently Asked Questions
Is life insurance halal?
Scholars differ. The Fiqh Council of North America holds that some North American life contracts can meet fiqh requirements. Ikhlas follows that view and offers term life only. Read can Muslims have life insurance for the wider debate.
Is Ikhlas Insurance legit?
Ikhlas is a Muslim-owned brokerage working in all 50 states. Its Chief Sharia Officer is Sh. Joe Bradford.
Does Ikhlas sell whole life insurance?
No. Ikhlas screens out whole life and other cash-value policies, along with universal, indexed, and variable products.
How much does an Ikhlas consultation cost?
It is free. Like most insurance brokers, Ikhlas is paid by the carriers.
Does Ikhlas offer halal life insurance in Canada?
No. Ikhlas notes that its Sharia-compliant life insurance is offered in the USA only.
Compare providers in your state
See side-by-side comparisons of Shariah-compliant products, or let our matcher recommend the best options for your situation.
If you have been putting off life insurance because you were not sure it was allowed, book a free Ikhlas consultation. Compare options on the insurance hub.
