Tie your camel first….
Then place your trust in Allah

Ammanah IFS was setup with a simple mandate: provide Shariah compliant, ethical products that would enable the local Ummah to be free of riba while meeting or exceeding similar products and services in the industry.

From Surah Bakarah and Hadeeth of the Prophet SAW we know that riba is a major sin for us, and one we must totally abstain from in order to avoid the wrath of our Creator. We have thus ensured that whatever products are provided by Ammanah IFS are free of Riba and are Shariah approved.

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    Ammanah IFS is an independant company and not tied to any one investment company, thus providing  you with fair and open advice. We have a wide range of investent solutions depending on your needs and goals.  Our first objective is to ensure wealth preservation. This is achieved by using only established companies with proven track records offering Shariah funds such as Kagiso and Liberty.

    Then we look at the individual or business needs and advise you accordingly. Some investors have a specific goal while others want a general savings plan or a safe way to preserve and grow their hard earned wealth. We will listen to your needs, understand them and then provide solutions where possible or advice that will help you make a better, more informed decision of where to put your money.


    We can provide long or short term savings solutions like unit trusts, Gold Bullion savings, Provident funds, etc. Depending on your needs, goals and the period you wish to invest for, we can advise you accordingly and provide a solution for your individual needs. We provide individual and company investment solutions.

    Retirement Planning

    We provide individual and Group retirement solutions. A retirement fund will help you, and your staff to retire in a comfortable and dignified way. Your retirement quality is dependent on how you plan and structure your retirement funds before hand. So the planning and understanding of your needs, affordability and type of lifestyle you hope to have are very important in order to formulate a good retirement fund policy for you and your spouse. Contact us to discuss further.

    The cover provided by Ammanah IFS is similar to conventional insurance, so for example, if you had comprehensive cover on your vehicle and then suffered an accident or loss, the claim process and cover would be almost identical to that of any other insurer. If you have finance on your vehicle or assets, remember that our policies of cover are also accepted by all banks in South Africa.

    We have assets, such as homes, vehicles and contents which requires investing our wealth and time in order to make our lives a little more comfortable and easier.

    For many, their homes are their places of safety and comfort from the harsh and hectic lives we lead.

    For these reasons and more, it is vital to have some cover on our personal assets. A major peril, such as a fire can quickly destroy assets which were earned over many years, or even over generations. We should take some precautions, including Takafol cover on our personal assets in order to ensure they have some financial security in the event of any major perils or theft.

    More importantly, especially for an expensive asset such as a home or motor vehicle, we must take cover in order to avoid falling into debt should any of these be damaged or destroyed. Takafol cover can assist in avoiding unnecessary debt caused by a major peril such as floods or fire.

    Available covers include:

    • Property Takafol, inclduing cover for your geyser
    • Contents cover for things such as your furniture, appliances, linen and clothing while in your home.
    • All risks cover, which includes laptops, cell phones, jewellery, and other items which tend to leave your home.
    • Motor vehicle cover, for accidents and theft.

    The product can also be tailor made to fit in with your lifestyle, and can cover things such as sports equipment, laptops, jewellery, etc. We even provide cover of up to R350 in the event of your shoes being stolen from a Masjid!

    A unique benefit of the Personal Takaful product is a built in cover for your local Masjid: the fund will pay up to R2,000 on your behalf to your local Masjid in the event of fire, storm and wind damage. This is limited to R50,000 per event.

    We also have free roadside assistance with the AA, for basic assistance, just in case you get a flat tyre or lock your keys in the car

    We provide various investment & saving solutions such as, but not limited to:

    Retirement Annuities

    Provident Funds

    Company pension schemes

    Education plans

    Unit trusts

    Company investments

    Offshore investments

    Hajj & Umrah savings

    Bullion savings plan

    The Takaful covers provided by Ammanah IFS are similar to your normal insurance, obviously without any riba involved. So fire cover with us would be almost identical to the fire cover of any other insurer. We also provide a wide range of covers depending on your particular type of business, from all risks cover and business interruption through to property and theft covers. Furthermore, should you finance your property or assets, our policies of cover will be accepted by all banks in South Africa.

    Commercial Takafol can be instrumental in protecting a business from potential loss caused by unforeseen and unfortunate circumstances.

    A business owner will know that his business is a means of earning for him, his family and his staff.

    Furthermore it is a means of generating wealth which is used to pay Zakaat and provides charity and assistance to Islamic organizations and needy persons. Thus it is very important to secure this amanat to the best of your ability. Protecting and securing your business should be an important part of your business plan.

    Besides the peace of mind from having cover for your business, the greater peace of mind comes from knowing you have cover which is free of riba and has ethical, Shariah compliant investments as well. So when you do have a claim, the money being paid to you is not tainted in any way.

    Commercial insurance with a Takaful product will provide valuable protection against such things as theft, damage to property, and liability. It can also provide coverage for business interruption and employee injuries. A business which chooses to operate without Takaful puts their enterprise at risk of losing money and property if an unfortunate event occurs. This may even lead to one then becoming involved in major debt, or worse getting involved with riba in order to sustain or recover from a major event such as a fire or flooding event. There are numerous covers for a business, such as:

    Fire cover, including flooding, storm and other damage.

    Theft cover, Electronic Equipment, Money cover, All risks Cover

    Building cover- from a small office to a large Islamic school or corporate HQ and warehouses.

    Public Liability covers, etc, etc

    We can provide valuable assistance by helping you to identify the risks you face and then provide specific covers to ensure you have cover against those events. It must be born in mind that a proper and qualified assessment of your risks is vital in order to ensure you have adequate cover for your business.

    We at Ammanah will provide you with solutions for your business takafol needs. Simply contact us in order to provide cover for your business or to find out more about our various solutions for your business.

    For larger enterprises we have solutions to help setup and manage certain areas for self insurance as well.

    The most precious and vital part of you and your family, is your health. We cannot emphasize the importance of ensuring you take good care of yourself, from the little things like eating only a fistful of food to being hygienic and clean at all times. After that we can provide you with medical aid and hospital plans for those sudden or unexpected situations that arise in life.

    The cost of healthcare has become high, therefore we are able to offer you a range of plans with varying benefits and costs. We work with SA’s leading health care companies like Discovery and Momentum to ensure you have good medical cover when you need it.


    Finally, medical aid with no riba!

    Ammanah is happy to announce that we will be able to offer Shariah approved Medical aids with Discovery, allowing you to live in line with your values and avoid riba.  This is based on Takaful principles, but retains the same benefits as the conventional medical aid products of Discovery. Please contact us to easily switch […]


    A Bryte Future

    AlhamduliLLAH, we are pleased to inform you that Fairfax, a Canadian investment and insurance company (a global player with major holdings in insurers such as Brit Insurance) has acquired the Zurich business in South Africa and will operate under the name Bryte insurance. Ammanah is pleased to introduce Bryte to you, our valued client. (the […]


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    Covid 19 – We are still here for you

    please contact us via email or call us on 0861 786 393 or 083 555 7868 for any assitance or emergency.

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