Life cover, also known as life insurance, is not a requirement for Hajj in Islam. However, it can be a wise financial decision for individuals who have dependents or loved ones who rely on their income, especially if they plan to perform Hajj.

Regarding Shariah compliance, life cover can be structured in accordance with Islamic principles and made Shariah-compliant. This can be done through Takaful, which is a cooperative system of mutual help and shared responsibility, as I mentioned in my previous response. Under this system, participants pool their resources together to provide financial protection for each other, with any surplus funds being distributed back to the participants or donated to charity.

Shariah-compliant life cover policies typically have certain requirements and restrictions, such as prohibiting investments in prohibited industries or investments that involve interest (riba), and requiring that any profits generated are distributed fairly among the participants.

It’s important to note that not all life insurance policies are Shariah-compliant, and individuals should carefully review the terms and conditions of any policy they are considering to ensure that it aligns with their religious beliefs and values. It may be helpful to consult with a Shariah-compliant financial advisor to help identify suitable options for life cover.

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