An essential component of the insurance contract is the alea, because the
insurance world has been structured precisely to address the risk in its different
realities. The alea assuming some economic-financial connotations is managed
differently according to the cultures to which it refers. The note shows that in the
Islamic world insurance dynamics have their own characteristics that are highlighted
in the different takaful contracts and in the different organizational models taken into
consideration and how the concept of mutuality that has a strong ethical vocation is catching the attention of customers Muslims