HAYA Financial Review
Co-Founder & CEO, HalalWallet
Reviewed quarterly and updated when provider terms, ratings, or coverage change.
A holistic Muslim financial planning firm that integrates life insurance with estate planning, beneficiary designations, and long-term family strategy - rather than treating insurance as a standalone product.
Opens provider's site - no obligation
HalalWallet is an independent, education-only comparison site. Some outbound links earn referral fees.Advertiser disclosure
Important: HalalWallet is not a lender, mortgage broker, loan originator, or settlement agent. We are an educational comparison site and do not originate applications on your behalf.
Items marked “Featured” may include paid placement in that module. Where you control sort order (tables, filters), your selection applies.
Referral fees typically come from the provider's marketing budget and should not increase what you pay - you should receive the same terms as visiting providers directly; confirm with the provider. How we make money · Methodology · Legal disclosures
HalalWallet 2026 Review
HAYA Financial - At a Glance
1
Products Reviewed
50
States Served
1
Category
Shariah Compliance Review
Oversight Level
Review details on provider's website
Nothing on hayafinancial.com claims Islamic oversight - no scholar, fatwa, or takaful structure appears on any of its ten pages, only 'values-based' language - so despite the founder's Muslim-community roles, buyers must verify in consultation that advice follows the term-life-only position of US fiqh bodies.
Shariah compliance should always be verified directly with HAYA Financial. HalalWallet reports publicly available oversight information but does not issue fatwas or certify compliance.
Bottom Line
Review the products listed above and compare HAYA Financial with other providers. Confirm terms and Shariah documentation directly with HAYA Financial.
Products from HAYA Financial
HAYA Financial
Holistic Life Insurance Planning
Education-first insurance strategy and financial-clarity practice based in Sacramento (est. 2021): life insurance planning, disability income review, financial coaching, and estate-planning coordination, all entered through a free Clarity Call consultation. Founder Shak Kundiwala leads Shariawiz Advisory and founded the Sacramento Metro Muslim Chamber of Commerce, which gives the practice real community roots - but the site publishes no carriers, pricing, compensation model, license numbers, or Islamic finance claims, so the substance of any recommendation has to be established in the first conversation.
Opens provider site - no obligation
HalalWallet is an independent, education-only comparison site. Some outbound links earn referral fees.Advertiser disclosure
Important: HalalWallet is not a lender, mortgage broker, loan originator, or settlement agent. We are an educational comparison site and do not originate applications on your behalf.
Items marked “Featured” may include paid placement in that module. Where you control sort order (tables, filters), your selection applies.
Referral fees typically come from the provider's marketing budget and should not increase what you pay - you should receive the same terms as visiting providers directly; confirm with the provider. How we make money · Methodology · Legal disclosures
Where Available
Based on listings we track, HAYA Financial operates nationwide across the U.S.:
Nationwide availability
Availability may vary by product type. Always verify current availability directly with HAYA Financial.
How We Compare
- • We review publicly available information from providers, including Shariah compliance documentation.
- • We compare financing structures, total costs, down payment requirements, and state availability.
- • We prioritize providers that clearly explain their halal compliance rationale and operate with transparency.
- • We note which products are available nationwide versus regionally.
- • Learn more about our methodology.
HAYA Financial is in HalalWallet's independent directory for Insurance, with listings covering nationwide across the U.S.. Structures we list: Insurance Advisory. Confirm terms and Shariah documentation directly with HAYA Financial.
- HAYA Financial currently has 1 product in our listings (Insurance).
- Coverage we list: nationwide across the U.S..
- Contract structures we list: Insurance Advisory.
- Always verify compliance directly with HAYA Financial and consult qualified Islamic finance advisors when needed.
- Compare HAYA Financial with other providers on HalalWallet before you apply.
Source: HalalWallet (halalwallet.us)
How to use this comparison: HalalWallet is an independent educational comparison platform - by design, we do not provide financial, legal, or religious advice. We do the research homework so your final checks are quick and personal.
Product structures and Shariah oversight vary by provider, so finish with three built-in steps:
- Confirm current terms and halal compliance directly with the provider - their quote is final.
- Review the contract structure (Murabaha, Ijara, Musharakah, etc.) and any disclosed Shariah board opinions.
- Bring your shortlist to a qualified Islamic finance advisor or scholar, so the conversation is about your situation, not the basics.
Sources and review process
This page is reviewed against HalalWallet editorial standards and source documentation.
Reviewed by: HalalWallet Editorial Team
Last reviewed: 2026-09-01
How to cite this page
Preferred format (HTML):
For time-sensitive claims (rates, fees, state availability), please verify directly with the provider's official documentation and note the retrieval date.
Frequently Asked Questions
What types of halal products does HAYA Financial offer?
HAYA Financial has 1 product we currently list across 1 category. Structures we list: Insurance Advisory. Review the products listed above for current offerings. Confirm terms directly with HAYA Financial.
How does HAYA Financial ensure Shariah compliance?
Review HAYA Financial's publicly available Shariah compliance documentation, understand the product structures they use, and check for independent oversight or Shariah board involvement. Always verify compliance directly with HAYA Financial and consult with qualified Islamic finance advisors for guidance on specific products.
Is HAYA Financial available in my state?
HAYA Financial operates nationwide across the U.S., though specific products may have regional limitations. Always verify current availability directly with HAYA Financial.
Are HAYA Financial's products more expensive than conventional options?
Halal financing structures can have different fee structures compared to conventional products. Some options may be competitive with conventional rates, while others may have different cost structures. Pricing varies by product type, location, and individual circumstances. Always compare total costs and terms when evaluating options.
How do I contact HAYA Financial?
Visit HAYA Financial at hayafinancial.com/, or use the product links on this page.
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