Waqf governance in sharia insurance products must consider various aspects. From the perspective of saddu al-zari'ah, it can be studied the integrity of the product (intention, purpose, process, and maslahat) because if one of them is indicated to be defective, it is considered to violate the principle of goodness. This research is literature research with descriptive-analytical methods. This study concluded that the implementation of saddu dzari'ah is very concerned with applying waqf insurance and investment benefits, seen from several factors (1) The appointed heirs (as beneficiaries) must pledge (wa'd mulzam). The promise is not included in the pillars that can cancel the insurance benefit waqf contract but needs to be implemented so that the heir's commitment remains awake and have the force of law. (2) The maximum limit of the proportion of waqf may not be set 45%, but this will harm one of the parties (3) Shari'a insurance companies (with the agreement of insurance participants) may take profits from investment activities periodically and be allocated directly for waqf. However, to fulfil the rights of the heirs, the investment benefits are accumulated, and the heirs still get a share after deducting 1/3 part of the total investment benefits.
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