1. The takaful company has the right to refuse to indemnify death arising from non-accident cases and other causes of death, if the claim is made under Accident Takaful Scheme. Explain the justifications of the takaful company for rejecting the claim. (10 marks) 1. Discuss the Islamic housing financial facility which is incorporated with takaful protection AND the extent of such combination in line with Shariah ruling. (10 marks) 1. Describe the prerequisite requirements that must be followed by takaful operator in order for the products to be in line with Islamic principles. (10 marks) 1. Explain the differences of the claim procedure between Family Takaful Scheme and General Takaful Scheme. (10 marks)