Al Hilal Life

What Al Hilal Life does

Al Hilal Life, operated under the legal entity Solidarity Bahrain B.S.C., is a Bahrain-domiciled Takaful (Sharia-compliant Islamic insurance) company licensed and regulated by the Central Bank of Bahrain as a locally incorporated Takaful Firm — Category Four. The company is a privately held subsidiary of Solidarity Group Holding, a diversified Bahraini conglomerate, and serves individual consumers and families in the Kingdom of Bahrain. Its product portfolio comprises twelve named plans organized into two categories: five Savings & Protection plans (Ro'ya Education, Ro'ya Future, Ro'ya Whole of Life, Flexible Savings, and Infinity Shield) and seven Protection plans (Weqaya critical illness, Weqaya Cancer Care, Ultimate Care, Vantage Life with global coverage, Protection Shield, Reayaa Personal Accident, and Finance Protection / Decreasing Term Assurance).

The underlying platform is described as a Takaful technology stack supporting both savings instruments (education funding, long-term savings, retirement/legacy planning) and risk-protection instruments (critical illness, cancer, personal accident, loan/credit protection, broad family protection). Distribution is multi-channel: direct field sales through financial advisors, inside sales via a call center, self-serve digital channels through the Solidarity mobile app (iOS and Android) and online portal (online.solidarity.bh), and conversational channels including WhatsApp and Apple FaceTime video insurance consultations. The company maintains a presence on Facebook, Instagram, LinkedIn, and YouTube for top-of-funnel awareness.

The business model is recurring subscription-based: Al Hilal Life collects ongoing Takaful contributions/premiums in exchange for coverage and savings accumulation, with customers acquiring plans through quote-based financial advisor consultations (pricing is not publicly disclosed). Revenue is not publicly disclosed, and no headcount, premium volume, policy count, or financial filings are available in the source data. Geographic operations are confined to a single domestic market (Bahrain), with the Vantage Plan extending coverage internationally for insureds traveling or residing abroad. No AI/ML capabilities, APIs, patents, M&A activity, or external funding rounds are disclosed in the available material.

Name

Al Hilal Life

Legal name

Solidarity Bahrain B.S.C.

Website

https://alhilal.life

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

51–100 employees

Short description

Al Hilal Life (Solidarity Bahrain B.S.C.) is a Bahrain-licensed Takaful firm offering twelve Sharia-compliant life insurance, savings, and protection plans to individual consumers and families, distributed through financial advisors, call center, a mobile app, and online/WhatsApp channels.

Ownership category

akta.pro rank

Product category

Life Insurance (Takaful)

NAICS

Direct Life Insurance Carriers (524113), Direct Life, Health, and Medical Insurance Carriers (52411)

SIC

Life Insurance (6311), Accident & Health Insurance (6321)

akta.pro primary industry

Universal Life (UL) Insurance (FSAIABAB)

akta.pro secondary industries

Simplified Issue Whole Life / UL Insurance (FSAIABAH), Whole Life / UL Policy Riders & Add-ons (e.g., Waiver of Premium, Accidental Death, Child Term, LTC/Chronic Illness) (FSAIABAK)

Keywords

• Takaful life insurance
• Sharia-compliant savings plans
• Critical illness coverage
• Education savings plans
• Personal accident insurance

Headquarters

HQ city

Manama

HQ country

Bahrain

HQ region

Middle East

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Takaful Insurance Premiums: Collection of insurance premiums under Sharia-compliant Takaful model. The company offers life insurance, savings plans, and protection plans with various coverage options.

Distribution channels4 records

Marketing channels5 records

Core offering

Al Hilal Life, operated by Solidarity Bahrain B.S.C., provides Sharia-compliant Takaful life insurance, savings plans, and protection plans to individuals and families in Bahrain. The product portfolio is split into Savings Plans (Ro'ya Education, Ro'ya Future, Ro'ya Whole of Life, Flexible Savings, Infinity Shield) and Protection Plans (Weqaya, Weqaya Cancer Care, Ultimate Care, Vantage Life, Protection Shield, Reayaa Personal Accident, Finance Protection), supported by financial advisor distribution and digital self-service via mobile app and online portal.

Product overview

Solidarity Bahrain (Al Hilal Life) operates as a Takaful (Islamic insurance) company offering a comprehensive portfolio of life insurance and savings products. The product suite consists of two main categories: Savings Plans (Ro'ya Education, Ro'ya Future, Ro'ya Whole of Life, Flexible Savings, and Infinity Shield) and Protection Plans (Weqaya, Weqaya Cancer Care, Ultimate Care, Vantage Life, Protection Shield, Reayaa Personal Accident, and Finance Protection). The company provides both online and mobile app access for policy management, fund switches, and beneficiary updates. Solidarity Bahrain is licensed and regulated by the Central Bank of Bahrain as a Category Four Takaful Firm.

Differentiator

Problem solved

Functional benefit

Brands

• Solidarity Bahrain: The primary operating brand for life insurance and takaful products in Bahrain
• Infinity Shield
• Ro'ya Education Plan
• Ro'ya Future Plan
• Ro'ya Whole of Life
• Flexible Savings Plan
• Weqaya Plan
• Weqaya Cancer Care
• Ultimate Care Plan
• Vantage Plan
• Protection Shield
• Reayaa Personal Accident
• Finance Protection

Products and services

• Ro'ya Education Plan Education savings plan designed to help parents secure funding for their children's future education, providing financial security and guaranteed support for academic pursuits under a Sharia-compliant Takaful model.
• Ro'ya Future Plan Long-term Sharia-compliant savings plan designed to help individuals achieve long-term financial goals through structured investment and savings accumulation.
• Ro'ya Whole of Life Plan Lifelong Sharia-compliant financial assurance plan that helps create and manage legacy while providing comprehensive protection for policyholders and their loved ones.
• Flexible Savings Plan Versatile Sharia-compliant investment savings plan providing flexible options tailored to individual financial needs with adaptable contribution amounts and investment choices.
• Infinity Shield Plan Comprehensive Sharia-compliant coverage plan providing financial security for families, ensuring protection in every situation with extensive benefits.
• Weqaya Plan Sharia-compliant critical illness protection plan offering financial support to prepare for and manage costs associated with battling serious illnesses.
• Weqaya Cancer Care Plan Sharia-compliant specialized cancer coverage plan providing financial assistance to manage and cover the costs of cancer treatment and recovery.
• Ultimate Care Plan Sharia-compliant all-inclusive health and life protection plan offering complete peace of mind with comprehensive coverage for individuals and families.
• Vantage Life Plan Sharia-compliant international life insurance plan providing global financial security coverage for individuals wherever life takes them.
• Protection Shield Plan Sharia-compliant broad coverage protection plan delivering robust and reliable financial defense for families against various life contingencies.
• Reayaa Personal Accident Plan Sharia-compliant personal accident insurance plan providing financial protection against consequences of unfortunate accident events for individuals and families.
• Finance Protection (Decreasing Term Assurance) Sharia-compliant decreasing term plan that adapts to financial obligations, providing smart loan protection that reduces cover as loans are paid down.

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Recent moves5 records

Expansion highlights4 records

Regional players

• Saudi Takaful Cooperative Company: Saudi-listed cooperative Takaful insurer offering family and general Takaful. Comparable in product structure and Sharia-compliant operating model, though operating in the larger Saudi market rather than Bahrain.
• Al Etihad Cooperative Insurance Company: Saudi-listed cooperative insurer with Takaful family and general lines. Comparable cooperative/Sharia-compliant structure and GCC life-savings product mix.
• Walaa Cooperative Insurance Company: Saudi cooperative insurer with Takaful operations. Comparable Sharia-compliant product architecture and GCC distribution model, serving as a regional benchmark for Takaful life and savings economics.

Broad incumbents

• Bahrain National Holding (BNH): Leading Bahraini insurance group offering both conventional and Takaful life and non-life products. Directly competes with Solidarity Bahrain in the Bahraini market with broader product breadth and larger scale.

Direct peers

• Emirates Takaful Family PJSC: UAE Takaful family insurer providing savings, investment-linked, and credit life products. Comparable to Solidarity Bahrain's savings and protection mix under a similar Sharia-compliant Takaful structure.
• Dar Al Takaful PJSC: UAE-based Takaful operator offering family (life) and general Takaful lines. Comparable in regulatory environment, Sharia governance, and the dual savings-plus-protection product architecture that mirrors Solidarity Bahrain's portfolio.
• Noor Takaful Family: Emirates-listed Takaful family (life) insurer focused on savings, investment-linked, and protection plans under Sharia principles. Closely matches Solidarity Bahrain's life-side Takaful positioning and product categories.
• Takaful International Company BSC: Bahraini Takaful operator offering family Takaful, savings, and protection plans under a Sharia-compliant model. Directly comparable to Solidarity Bahrain on geography, regulatory regime (CBB-licensed), and product mix.
• SALAMA (Islamic Arab Insurance Company): UAE-listed Takaful insurer offering both family (life) and general Takaful across the GCC. Highly comparable in Sharia-compliant life and savings product offering, with broader geographic reach that makes it a benchmark for Solidarity Bahrain's product set.

Others

• Solidarity Group Holding: Parent company (diversified Bahraini conglomerate) of Solidarity Bahrain. Included as the controlling group entity that provides capital, reinsurance, and strategic direction to the subject company.

Market position

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/@solidaritybahrain3545/featured
• Facebookfacebook.com/Insuringbahrain
• LinkedInlinkedin.com/company/insuringbahrain
• Instagraminstagram.com/insuringbahrain
• Xx.com/Al_Hilal_Life

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Al Hilal Life