ISLAMIC FUNERAL INSURANCE – BURIAL TAKAFUL (USA, UK)

Islamic funeral insurance in the USA and UK, addresses a very practical challenge: funeral and burial costs are often extremely high, especially when carried out according to Islamic rites; expenses can include the purchase of burial plots, washing and shrouding services, transportation, and in some cases, repatriation of the body to the deceased’s country of origin.

In the USA and UK, burial Takaful allows Muslims to plan ahead and ease the financial strain on their families at a time of emotional difficulty, ensuring that their funerals can take place quickly, respectfully, and without compromise.

How does Islamic funeral insurance in the USA and UK work ?

In the USA and UK, Islamic funeral insurance works through Takaful (mutual cooperative insurance) rather than conventional insurance.

• Members contribute to a shared pool (seen as donations, not premiums).
• The pool covers funeral costs (burial, shrouding, transport, cemetery, paperwork).
• Risk is shared, not transferred to an insurer.
• Funds are managed under Sharia supervision and invested only in halal sectors.
• Any surplus may be returned to members or reinvested for the group’s benefit.
• It emphasizes community support and ensures a dignified Islamic burial without financial burden.

ISLAMIC FUNERAL INSURANCES THAT ARE AVAILABLE IN THE USA AND UK

Here’s a refined breakdown of Islamic funeral insurance or funeral services available in the USA and UK, organized by country and key cities. Note that explicit Islamic funeral “insurance” products remain rare; most offerings are through funeral service providers or community support schemes.

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United States

New York (NY/NJ Area)

• Islamic International Funeral Services
  Provides comprehensive Islamic funeral arrangements—including Ghusl, burial, transport, and repatriation services. (Not insurance, but full-service coverage.) ISLAMIC INTERNATIONAL FUNERAL SERVICES
• Islamic Burial & Shipping Service (South Ozone Park, NY)
  Specializes in transporting and preparing the deceased according to Islamic rites. Again, service-based rather than insurance. Islamic Burial & Shipping Service
• Caribe Funeral Home (Brooklyn)
  Offers full Janazah services, pre-planning, and shipping—Islamically compliant. caribefuneral.com

Chicago, Illinois

• Muslim Funeral Services (Chicagoland)
  Licensed funeral home offering Islamic-approved services, including Ghusl and burial. Muslim Funeral Services
• Islamic Cultural Center – At-Takaful Islamic Society (ICC–GC)
  A mosque-based center providing funeral coordination and a Muslim Funeral Fund (MFF)—a community-based financial support mechanism, not insurance. icconline.orgiccgreaterchicago.com

Houston

• ISGH Funeral Services (Islamic Society of Greater Houston)
  Offers full Islamic funeral arrangements, from Ghusl to burial coordination. isgh.org

Los Angeles

• Friends Funeral Home
  Provides Muslim burial services, including ceremonial washings, coordination with Islamic centers, and repatriation. Friends Funeral Home and Cremations

Dearborn, Michigan

• No specific Islamic funeral service or insurance provider was identified through the current sources. However, nearby organizations or community funeral funds may exist.

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United Kingdom

London

• London Islamic Funeral Plans & Support Schemes
• Muslim Funeral Society
  Offers a funeral plan through a straightforward payment scheme that covers immediate family (spouse and children). Contributions help manage funeral costs in advance, easing the burden on relatives. Muslim Funeral Society
• UQBAH Funeral Service (London)
  Functions partly like a communal fund—you pay a participation donation, then an annual member fee. In return, they handle all aspects of an Islamic funeral: collection, Ghusl, Janazah prayer, paperwork, transport, and burial. uqbahfuneral.co.uk
• Gardens of Peace – Funeral Savings Plan
  This is a savings-based plan to pre-pay funeral and burial costs at their Muslim cemetery sites in Greater London and Essex. You save monthly or annually; unused funds are refunded to beneficiaries. gardens-of-peace.org.uk
• Alhidaya Croydon Masjid – Janaza Fund
  A community-based funeral fund where members pay £10/month (and a £25 one-time joining fee) to cover funeral needs like washing, shrouding, burial plot, and local transport within the M25 in the event of death. Alhidaya Croydon Masjid
• Muslims Funeral Services (MFS) – South London
  While not insurance or a savings scheme, this organization supports Muslim funeral arrangements across London, offering practical assistance and serving as a trusted resource for arranging funerals in accordance with Islamic rites. Muslims Funeral Services

Birmingham (and wider West Midlands)

• Muslim Funeral Services – Midlands (Smethwick, Birmingham area)
  Offers a full spectrum of Islamic funeral services, including burial, Ghusl, repatriation, grief support, and logistics. Muslim Funeral Services Midlands –
• CSMA (Cutchi Sunni Muslim Association), Birmingham
  Runs a Muslim Burial Fund—a community-based initiative offering financial assistance or full funeral arrangements to eligible families. Not insurance, but a mutual support fund. csmabirmingham.co.uk
• Islamic Funeral Service (Small Heath, Birmingham)
  A funeral director in Birmingham listed in directories; Islamic-compliant funeral services implied. funeralguide.co.uk

Manchester

• Islamic Funeral Support in Manchester
• 1. SMMCA – South Manchester Muslim Community Association Funeral Fund
• A community-based mutual fund that helps Muslim families with funeral and burial costs.
• Membership involves a joining fee and annual contributions: e.g., £100 per adult, plus £120 annual per adult (rates as of site info) .
• Once a member for 6 months, funeral costs for the member and dependents are covered.
• Includes support for repatriation and funeral arrangements.
• 2. Manchester Muslim Funeral Committee
• A registered charity providing financial and logistical assistance for funerals in line with Islamic teachings.
• In fiscal year ending May 2024, they reported income of ~£100,000 and expenditures ~£76,000, indicating active backing and sustained service
• 3. City Jamia Funeral Service
• Operated by the Islamic Academy of Manchester, this is a volunteer-led, not-for-profit service.
• Offers Ghusal and funeral assistance through the City Jamia Masjid, especially active since the pandemic.
• Works closely with the Manchester Muslims Burial Trust .
• 4. National Muslim Funeral Advisory Service (NMFAS) – Manchester Listings
• Though not a provider itself, NMFAS offers a directory of Muslim funeral services in Manchester—helpful for finding trusted local providers.
• Also provides guidance, support, and financial aid signposting (e.g., funeral payments) National Muslim Funeral Advisory.
• 5. Paul Williams Independent Funeral Directors – Muslim Funerals
• A private funeral director offering specialist Muslim funeral services, including Ghusl, burial, repatriation, and pre-paid burial plans.
• Covers Manchester and surrounding areas paulwilliamsfunerals.co.uk.

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