The takaful participant can gift their takaful benefits to anyone, regardless of relationship, religion, or ethnicity. However, it is recommended to give the gift to close family members (spouse or children) as a sign of love and care.

1. Wasiat (Will): A document where you say how your belongings should be shared after you pass away, but only one-third can be given freely. 2. Hibah Takaful (Takaful Gift): A gift of takaful benefits to someone, like a family member, outside of regular inheritance rules. 3. Faraid (Islamic Inheritance Law): The rules in Islam that decide how your property is shared among your family when you die.

Takaful hibah is important because it helps ensure your loved ones get financial support quickly if you pass away. It allows you to give your takaful benefits to anyone you choose, without the delays of inheritance rules.