Why Choose a Shariah-Compliant Insurance Plan?

Ethical considerations play an essential role when choosing an insurance plan, especially in Malaysia. The FWD Big 3 Critical Illness Plan is a Shariah-compliant takaful product that adheres to Islamic principles, ensuring not only financial protection but also ethical integrity.

How FWD Big 3 Aligns with Shariah Principles

  • Tabarru': A portion of your contributions is treated as a donation to the Participants’ Risk Fund, reflecting mutual assistance among participants.
  • Wakalah: FWD acts as an agent, managing your contributions to ensure ethical investments.
  • Ju'alah: A surplus from the fund is shared between FWD and participants, promoting fairness.
  • Qard: An interest-free loan is provided if the Participants' Risk Fund faces a deficit, demonstrating the system's sustainability.

What This Means for You

Shariah-compliant insurance guarantees that your contributions are ethically managed and used to benefit the community. It combines the best of ethical investing with comprehensive financial protection.

Ready to choose ethical and reliable protection? Explore FWD Big 3 Critical Illness Plan today and ensure your family’s financial stability.

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