If you were to die could your family or dependants, pay for your funeral, organize the financial affairs, service pre-existing debt and continue their current standard of living without you? This is why Takaful is important.
If you were to be seriously injured could you pay for your hospital costs, ongoing treatment, time off work, pay the living costs for you and your family until you are fully recovered, if you are fully recovered?. This is why Total Permanent Disability Takaful Rider can be important.
If you are injured and are unable to continue working are you able to service your debtors and maintain any standard of living? This is why you need Takaful protection.