Is the deceased absolved of the house debt if Takaful insurance settles it after his death?

The bank's request for the customer to have Takaful (Islamic insurance) on his debt does not affect the validity of the contract, because insurance on debt is among the legitimate guarantees, like suretyship. It is only prohibited if it is a forbidden commercial insurance. Thus, Islamic insurance on debts is permissible, unlike non-Islamic insurance. If the debt is paid to the bank from the insurance on behalf of the deceased, his liability is absolved.