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Shariah Compliance

We believe our commitment to complying with shariah guidelines and our dedication to the highest ethical standards is an advantage not only for our Shareholders’ but also for our Policyholders who are keen to remain committed with Shariah guidelines and cede their trust for us. All our products are 100% shariah compliant. Our commitment to Islamic guidelines is defined by avoiding impermissible activities defined by the Shari’ah.


AL-ETIHAD Cooperative Insurance is advised by the Shariyah Review Bureau to ensure that our commitment to Shariah compliance is continuously reviewed and adhered to.


Shariyah Review Bureau is a Middle East based Sharia advisory firm that works with financial institutions from banks to insurance companies, asset managers, family offices and fintech to tackle their Sharia compliance challenges. The company is designed to operate as a single global partnership helping clients meet their Sharia assurance needs from setting up Sharia Boards to administering Sharia certification and providing external Sharia audit services. SRB also provides Sharia assurance guided by the most widely recognized international standard, ISAE 3000.


With scholarly presence in more than 21 countries from US, Europe, Africa, GCC and Asia its services can be delivered to financial institutions anywhere in the world. It serves clients at various levels, whether as a trusted Sharia advisor to executive management or as a internal Sharia auditor for internal control purposes or as an independent external Sharia auditor.


Our Sharia governance responsibilities under the engagement with Al Etihad Cooperative Insurance Co includes setting up the Sharia Board namely, Sheikh Muhammad Ahmad Sultan and Sheikh Dr. Salah Fahad Al Shalhoob. Together we’ll be providing ongoing Sharia certification and Sharia audit (AAOIFI, GISIF No. 2). If you require further information or clarification on our engagement, please call us now on +973 17215898, extension 1007 or mail us on and we’ll be more than happy to assist.


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