Skip to main content

Disrupting insurance
isn’t bold

It’s necessary

Our story

Najmaa was born from a simple truth: the insurance industry puts profits and shareholders before people — costing us our values, our communities, and our futures. We believe protection should serve humanity, not corporations. Through Shariah-compliant products and a mutual model, we’re giving members the power to take back control and build something that truly belongs to all of us.

Born From Frustration, Built on Hope

We are people, just like you. We were frustrated that our contributions were fuelling an insurance system built on greed, denial, and control. One that kept us dependent and profited from our vulnerability. So we built our own from the ground up – we are independent, driven by purpose and built to serve people – not institutions.

Changing Insurance Starts With Changing How It Works

We’re designing protection that truly serves our people and reflects our values, breaking barriers with:

AUSTRALIA’S FIRST

Takaful

Pooling our contributions to protect one another when it matters most.

AUSTRALIA’S FIRST

Mutual Capital Instrument (Sukuk)

Building wealth by investing in line with our values.

Transforming Communities

Najmaa ensures protection and wealth serve a higher purpose. 2.5% of profits go to our Give Back (Sadaqah Jariyah), while any surplus strengthens members and communities — turning success into shared blessing.

Every Dollar is a Stand Against the System

When you choose Najmaa, you’re not just buying protection – you’re building a system for all of us. Every dollar is a stand for dignity, a step toward independence, and a legacy we create together. This is a better way than insurance. It’s resistance. It’s freedom. It’s our future.

We're on a mission to empower communities

Together, we can design institutions that truly serve us – built on our values, guided by our vision, and free from dependence on systems that hold us back.

SEE HOW WE GIVE BACK

Join the movement

Subscribe and see the impact we can create together.

SUBSCRIBE
CAR
HOME
BUSINESS
CLAIMS
GIVE BACK
ABOUT
INVEST
SHARIAH CERTIFICATIONS
Privacy policy
Terms of Use

© Najmaa 2025. All rights reserved

This communication is issued by Najmaa Group Pty Ltd (ACN 616 855 504, AFSL 527623). Takaful Protection is issued by Najmaa Mutual Limited (ACN 686 285 450). Takaful Protection is not the same as insurance.

Any advice provided is general in nature and does not take into account your objectives, financial situation, or needs. Before making a decision, please read the relevant Product Disclosure Statement (PDS) and Financial Services Guide (FSG) to ensure our products are appropriate for you.

You can also access the Target Market Determination (TMD) and Privacy Policy on our website for more information on how we handle your personal information.