Islamic Estate Planning in Kano

Family protection from Nigeria's newest takaful operator: Crown Takaful, incorporated 14 February 2022, received its NAICOM operating licence on 18 December 2023 (RIC RTC-097 (005)) and is building its book from Abuja. Published protection products: Group Life Family Takaful, yearly renewable death cover under a master certificate to age 65, with riders for group personal accident, burial expenses and critical illness; Credit Life and Group Credit Life clearing outstanding financing on death or total permanent disability; Student's Welfare Family Takaful paying outstanding school fees to the school if a sponsoring parent dies or is disabled; and Umrah & Ziyarah cover for accidental death and permanent disablement during minor pilgrimage.

Crown's agricultural lines within its general takaful shelf: Poultry Takaful protecting poultry farmers against accident, disease and illness, fire, storm, flood and lightning; and Crop Takaful covering losses to crops and plants from fire, lightning, explosion, aircraft damage, disease and pest outbreaks, drought, windstorm and flood. Both are framed as protecting farmers' investments and livelihoods against natural calamities. The lines are young, Crown began underwriting in 2024, and sit alongside the operator's MSME-focused business book, with distribution from the Abuja head office. No index-based or livestock lines beyond poultry are published, making this a two-product agric shelf at the 2026-08-04 crawl.

Crown's general takaful shelf targets businesses and MSMEs, its declared focus segment, from its Abuja base: Fire and Allied Perils with contributions in direct proportion to risk and asset values; Erection All Risks and Plant All Risks for projects and machinery; Machinery Breakdown; Electronic Equipment cover across hardware, data media and increased cost of working; Consequential Loss (business interruption) covering lost profits, wages and auditor's fees; Goods-In-Transit within Nigeria; Marine Cargo on Institute Cargo Clauses A, B or C with war and strikes extensions; Group Personal Accident; Public Liability; Professional Indemnity; Fidelity Guarantee; and Money takaful. Motor appears only as a quote-form option, with the vehicle-insurance mobile app marked coming soon at the 2026-08-04 crawl.

Motor cover from Nigeria's original takaful pioneer: Hilal Takaful, formerly Cornerstone Takaful, became the first composite takaful window operator in 2010 and is now a fully licensed standalone operator (NAICOM RIC RTC 003), 99.99 percent owned by listed insurer Cornerstone Insurance Plc. Comprehensive Motor Takaful covers loss or damage to all vehicle types from collision, overturning, fire, external explosion, self-ignition, lightning, theft and malicious acts. Third Party Motor Takaful covers third-party property damage up to N3,000,000 and unlimited (but reasonable) liability for third-party death or bodily injury; buying requires only chassis, engine and registration numbers. Claim-free participants are eligible for surplus.

Hilal's consumer and small-business property lines: Property Guard Takaful, a packaged home cover protecting buildings, belongings and personal assets against forcible-entry theft, fire, lightning, explosion, riot, malicious damage, storm, flood, earthquake and impact damage, with contributions scaled to property and contents values; Fire / Burglary / Allied Perils cover for shops, warehouses and offices; Money / Cash Takaful protecting cash in premises, safes and personal custody; and Public Liability cover for third-party injury and property claims. All operate on the tabarru donation principle with surplus eligibility for claim-free participants, from the operator that has distributed surplus for more than seven years.

Hilal's family protection shelf is the market's broadest published list: Takaful Group Family Scheme with flexible contributions and Mudarabah profit sharing; Credit Takaful Cover for short-term borrowers, relieving guarantors and ensuring dependents inherit assets not liabilities; Keyman Takaful protecting businesses against loss of key staff, including buyout funding for a deceased partner's shares; Takaful Mortgage Protection guaranteeing outstanding home financing; the Pilgrim Care Scheme covering death and property theft during Hajj at a published N6,500 pure-tabarru contribution (18-plus age limit, distributed via Hajj agencies and pilgrim boards); a Group Educational Scheme sold through Islamic schools with per-term contributions collected with school fees; and a Travellers Scheme covering scheduled airline passengers and interstate road travel.

Hilal's commercial book, summarised as one line: Goods-In-Transit cover for road, rail and inland waterways within Nigeria including loading and unloading; Marine Cargo takaful for sea and air imports (halal goods only) with a dedicated import-focused Marine Cargo policy for goods entering Nigeria; Plant / Contractors All Risk for construction sites, materials, machinery and attendant third-party liability; Fidelity Guarantee against employee theft, embezzlement and forgery; Professional Indemnity for negligence claims; Payment Bond takaful ensuring subcontractors and suppliers get paid on contractor default; and Public Liability. The shelf serves importers, contractors and professional firms from the Lagos office, with claim-free participants eligible for surplus under the operator's long-running distribution practice.

A dedicated agricultural takaful line, unusual in the Nigerian market: Poultry cover, Farm Produce, Commercial Crops, Domestic Animals, Fishery and Fish Farm cover, plus a Combined Agricultural Produce and Investment product that pairs farm risk protection with an investment element. The line targets smallholders and commercial farms facing disease, fire, storm and related production risks, and rounds out Jaiz's positioning as a composite operator serving northern Nigeria's agricultural economy from its Abuja base. Cover is quote-based through the head office, agents and brokers, with claim-free participants sharing in the annual surplus under the company's published 80/20 distribution policy.

Motor cover from Jaiz Takaful Insurance Limited, the Abuja-headquartered operator incorporated in December 2013 and licensed by NAICOM on 19 August 2016. The general takaful shelf includes Motor Third-Party Cover, the compulsory minimum under Nigerian law, and Private Car Owners comprehensive cover. Jaiz has leaned into digital distribution: its mobile app (iOS and Android) issues third-party takaful in five steps and manages policies, and a public surplus-search portal lets participants check surplus due against their policy number. Motor was one of the largest surplus contributors in Jaiz's book, with N60.01 million returned to claim-free motor participants for 2022.

Jaiz's family (life) takaful protection shelf: the Comfort Family Plan for individual family protection, Group Family Takaful for employers and associations under a master certificate, Hajj and Umrah cover for pilgrims, Mortgage protection that clears outstanding home financing on death, and Group Personal Accident for workplace injury and death benefits. Plans are yearly renewable or term-based mutual protection, with contributions pooled in the family takaful risk fund and claim-free participants eligible for surplus. Family takaful (individual and group) returned N58.15 million of surplus for 2022, though claims pressure meant no family surplus was declared for 2023.

Jaiz's non-motor general takaful book covers homes and businesses: Fire and Special Peril for buildings and contents, Burglary cover for forced-entry theft, Marine Hull for vessel owners, and Contractors All Risk for construction projects, alongside the motor lines listed separately. Clients span individuals to institutions; published corporate participants and surplus beneficiaries have included the Federal Mortgage Bank, the Sharia Court of Appeal, the Federal Inland Revenue Service and Jaiz Bank. The general class (excluding motor) returned N62.38 million of surplus for 2022, the largest single class contribution that year. Cover is quote-based through the Abuja head office, agents and brokers.

Two consumer property lines under Noor's housing suite. Householders / House Owners Takaful protects the home and contents against theft involving violent forcible entry or exit, damage from fire, lightning or explosions, and damage caused by aircraft or other aerial devices. Fire and Special Perils Takaful covers loss or damage to property from fire, lightning and domestic gas explosion, and extends to natural disasters including storms, tempests, floods, earthquakes and volcanic eruption. Both are quote-based covers sold to individual homeowners and landlords, with claim-free participants eligible for Noor's annual surplus distribution.

Motor cover from Nigeria's first full-fledged composite takaful operator, licensed by NAICOM in 2016. The comprehensive plan covers accidental loss or damage to the vehicle from collision, overturning, fire, self-ignition, lightning, theft and malicious acts, with third-party property damage up to N3 million for private cars and N5 million for commercial vehicles plus medical expenses for accident injuries. The 3rd Party Plus line adds own-damage cover up to N1 million, unlimited third-party bodily injury liability, third-party property damage up to N5 million and participant medical expenses up to N30,000, sold in Silver, Diamond and Gold annual tiers. Claim-free participants share in the annual surplus.

A dedicated pilgrimage protection plan for Nigerian Muslims travelling for Hajj or Umrah. Published benefit limits are concrete: death benefit up to NGN 2,000,000, medical expenses up to NGN 500,000 and loss of luggage up to NGN 300,000 while on pilgrimage. The plan is sold with flexible payment frequency (yearly, quarterly or monthly) and an optional targeted-savings element on the quote form, so pilgrims can pre-fund the trip while carrying protection. It sits in Noor's lifestyle family takaful range alongside motor and professional indemnity covers.

Noor's business book in one view: Marine Cargo Takaful for goods moving by sea or air including chemicals, finished products, vehicles and equipment; Goods in Transit Takaful for road haulage against collision, theft and fire; Agric Takaful pooling production risk for agribusinesses; and Professional Indemnity Takaful covering negligence claims, damages and defence costs for professionals. Noor's own SME marketing puts basic business cover in the N7,000 to N15,000 per year starting range, positioning takaful as affordable for the 97 percent of Nigerian businesses that are SMEs. Larger commercial risks are individually underwritten.

Salam's specialty line and the deepest agricultural takaful practice in Nigeria: Livestock Takaful, Poultry Takaful, Crop Takaful (including Multi-Peril Crop cover featured on the homepage) and Farm Products and Machinery cover. The published proposal-form library reveals further sophistication: Plantation / Tree policy, Area Yield Index takaful, Combined Produce cover, Fish Farm and Farm Animals forms, indicating index-based products rarely seen in Nigerian Islamic insurance. The line targets low-income and commercial farmers alike, protecting against production shocks while encouraging investment, and is led by a dedicated Head of Agric Takaful (Jauro Bello) on the management team.

Motor cover from Kano-headquartered Salam Takaful, incorporated 20 June 2016 and granted its takaful operating licence in 2020 (NAICOM RIC RTC 004). Motor Third Party, compulsory under Nigerian law, and Motor Comprehensive sit in the general takaful shelf, and Salam has built the most complete digital purchase stack in Nigerian takaful: the SalamShield app on iOS and Android, a web self-service portal, WhatsApp purchase, and a USSD channel (*2200#), with a stated promise that all validated claims are paid within 48 hours. The company is deliberately cashless, publishing its Lotus Bank collection account and warning against paying agents directly.

Salam's non-motor general takaful shelf for households and businesses: Fire and Special Perils, All Risk Takaful, Homeowners Takaful, Money in Transit, Marine Cargo and a Retail Takaful line for small-ticket consumer risks. Policies indemnify participants for material loss or damage from catastrophic events, with compulsory covers like motor third party handled separately. Distribution runs through the SalamShield app, web portal, WhatsApp and trained intermediaries from offices in Kano, Abuja and Lagos, with the company's blanket 48-hour validated claims promise applying across the book. Claim-free participants share in the annual surplus distribution, which reached 220 beneficiaries in the May 2026 event.

Salam's family (life) takaful protection products: Group Family Takaful for employers and associations, Credit Takaful clearing outstanding financing on death, Term Assurance for pure protection, Mortgage Takaful protecting home financing, and the Salam Group Tuition plan that keeps school fees paid if a sponsoring parent dies. Death claim and policy maturity forms are published for download, and the 48-hour validated claims promise applies. The family fund is small but growing; the FY2023 audited statements show the family takaful fund still in build-out phase (an N8.9 million deficit that year, covered under the qard mechanism) while the general fund carried the surplus load.