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123 articles
Takaful in the UAE (2026): Nine Operators, One Honest Map
A decade of mergers, one regulator-run rescue, one suspended licence and one operator trying to leave the industry. Here is the real UAE takaful market as of August 2026, verified against the CBUAE register.
How Takaful Actually Works in the UAE: Tabarru, Wakala and the Questions Nobody Answers
Your contribution becomes a donation, a fund pays the claims, and the operator takes a fee that can legally reach 35%. The mechanics of UAE takaful, explained with the numbers operators actually disclose.
The Wakala Fee: The Number Your UAE Takaful Operator Would Rather Not Discuss
The CBUAE caps takaful operator fees at 35% of your contribution. Exactly one operator publishes its actual rate: Aman, at 33%. What the fee means, why it decides whether surplus is real, and how to extract it.
Abu Dhabi National Takaful Review (2026): The A- Rated Benchmark Nobody Else Matches
Ten straight years of A.M. Best A-, four of Fitch A-, an AED 1 billion revenue year, and the most inventive product shelf in UAE takaful. The catch: almost nothing is priced publicly.
Takaful Emarat Review (2026): The Health Specialist Two Years Into Its Second Life
The UAE's only life-and-health takaful monoline nearly died in 2022. Shareholders rescued it with AED 185 million, the DFM restored it to the first category, and FY2025 revenue grew 45%. What that history means for buyers.
Sukoon Takaful Review (2026): Per-Product Certificates and a World-First Conversion
The world's first conventional-to-takaful convert publishes a Sharia certificate for every family takaful product and names scholars with world-class credentials. It just will not tell you a price.
Retail T-Sukuk: How to Buy UAE Government Sukuk From AED 4,000
The UAE Ministry of Finance cut the sovereign sukuk ticket from about USD 200,000 to AED 4,000. What T-Sukuk are, how the ENBD X route works, and the three questions to ask before subscribing.
Sukuk vs Bonds for UAE Investors: What Actually Differs
Sukuk returned 3.5% annualized in 2025 against 1.98% for the broad conventional bond market, but the deeper difference is structural. What UAE investors need to know before building a halal income sleeve.
Term Sukuk vs Saving Bonds: Picking the Right National Bonds Product
Same institution, same scholars, same Mudarabah pool, two very different deals. When the AED 10,000 Term Sukuk beats the AED 100 Saving Bonds, and when it does not.