Lineage-based Takaful is the first known type of Takaful; where members of the family or tribe rise together to help the afflicted and distressed, but this interaction has been weakened due to the modern culture. From this, the need for another form of cooperation and assistance emerged in the form of ‘Takaful’ based on the creedal bond to deal with modern forms of risks and accidents.

First Stage: The stage of Simple Takaful insurance, group cooperation of people who are exposed to certain types of risks to cover the loss or damage that may affect some of them through their participation in cash amounts to cover damages that may affect any one of them on the time of the accident happening.

Second Stage: The stage of improved or composite Takaful, through which specialized companies manage the insurance operations in exchange for a predetermined fee. This was done due to increasing participant numbers and diversification of covered risks, and the first to implement the modern improved Takaful model was that Islamic banks which founded Islamic Takaful companies in (Sudan 1979 ), many Islamic Takaful companies were established soon after.

Islam has established the concept of solidarity according to a wonderful and beautiful system that guarantees a decent life for every individual of the Muslim community, and Takaful insurance is a modern application of the concept of solidarity that Islam enjoined and emphasized, and this is evident in the texts of Sharia, as in the words of the Highest: (And cooperate in righteousness and piety, and do not cooperate On sin and transgression) (Surat Al-Ma’idah: Verse 2). Solidarity is included in all the sacred texts calling for bonding between members of the Muslim community and cohesion among them, which makes this one of the components of the survival of the Islamic nation. Among the forms in which symbiosis is manifested in Islam: the obligation of zakat, and the rational system of bearing blood money.

The Muslim community is distinguished due to practicing the values of compassion, cooperation, and solidarity in religion which makes the members closer to their Creator – the Al-Mighty, if they practice and implement this guidance of Allah the Al-Mighty they will get a great reward.