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<p>The discoures of Islamic insurance can be studied in ijtihadi ways. Some scholars could receive insurance practice as long as it does not contradict with Islamic values. The acceptance of Islamic insurance for ulamas comes from mutual agreement institution such as Fatwa Comission of Indonesia Ulama Council (MUI) or Bahtsul Masa'il Council of Naddlatul Ualama, and Tarjih Council of Muhammadiyah. In 2001, MUI through National Sharia Council (DSN) has issued a fatwa on the general guidelines for takaful, as an initial guide operational takaful industry in Indonesia.</p><p>DOI: <a href="http://dx.doi.org/10.15408/aiq.v3i1.2211">10.15408/aiq.v3i1.2211</a></p>