Islamic finance, in agreement with the ethics of Islam, is based on two principles: the prohibition of interest, also known as usury, and the responsibility for the investment. It offers investors an ethical and socially responsible alternative, excluding sectors such as alcohol, armament, etc..… With global liabilities estimated at over 700 billion in 2007, it is full of attractive growth prospects.
The Swiss group Zurich Financial Services (ZFS), one of the world leaders in life insurance, finds in it a growth relay that is part of its global strategy. In this context, it decided to implement a life insurance product compliant with Islamic principles: "Family Takaful" based on risk pooling.