Does determining the amount of Takaful insurance in the event of death or total disability, based on the subscription amount and risk factors determined by the company, contradict the provisions of Islamic Sharia?

Takaful insurance companies benefit from statistics in determining amounts, estimating the degree of risk, and the value of the premium. They rely on statistical rules as a technical basis for estimating the insurance premium and the sum assured, and for distributing risks among participants. This does not contradict the principle of Takaful. Al-Qaradaghi stated that Takaful insurance contracts are based on the idea of directed and conditional donation for the benefit of the donor himself, and their details are determined based on precise statistics, probabilities, and calculations. The questioner should refer to the Sharia board of the company he works for, if one exists, or follow the opinion of a scholar he trusts when there are differing fatwas.