IFG Wills Trust-Based Islamic Will
Islamic Estate Planning in Wales
IFG Wills' trust-based option at GBP 348, aimed at estates above the GBP 325,000 nil-rate band where inheritance tax planning matters. The product wraps trust structures into the Islamic will and, for estates over GBP 2 million or complex estate-planning situations, IFG works with expert estate-planning specialists to provide a holistic service. The same online journey applies: answer the questionnaire, IFG drafts the legally binding will with Mufti and legal sign-off, then print and sign. Amendments run on the same GBP 10 per year unlimited-changes subscription, and IFG's partnership with a tax advisory firm reviews customer details for tax efficiency (crawled islamicfinanceguru.com/islamic-wills, 2026-08-06).
The trust-based option is IFG's answer to the awkward middle of the market: estates big enough for inheritance tax to bite but not big enough to justify four-figure law-firm fees. At GBP 348 it is materially cheaper than Wahed's bespoke will (from GBP 900) and solicitor alternatives, while keeping Mufti sign-off. The gap in the offer is disclosure: IFG publishes no detailed Shariah treatment of its trust drafting, so scholar-sensitive customers should ask to see the methodology before buying. Over 3,000 wills handled and a money-back guarantee back the operational claim.
Pros
- GBP 348 is far below typical law-firm fees for trust-based Islamic wills
- Clear upgrade path for estates above the GBP 325,000 nil-rate band
- Specialist support at the GBP 2 million+ tier
- Same Mufti and legal sign-off discipline as the standard product
Cons
- England and Wales only
- No published fatwa or Shariah methodology for how trusts interact with faraid
- Not an SRA-regulated law firm engagement
- Bespoke pricing above GBP 2 million is not published
Create Your Plan
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Product Details
Services
Will, Trust
Price
GBP 348 one-off for the trust-based will. Estates over GBP 2 million and complex planning are referred into a specialist-supported holistic service (pricing bespoke). Amendments GBP 10 per year (crawled 2026-08-06).
Islamic Features
Faraid shares preserved inside a trust-based English will, Wasiyyah third for charity and non-heirs, Mufti sign-off on every draft, Inheritance tax planning around the GBP 325,000 nil-rate band
Lawyer Review
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IFG Wills in Wales
For Wales residents, note that UK law does not apply Islamic inheritance by default: a valid will is the legal mechanism that makes faraid binding. The services we list draft for the law of England and Wales. IFG Wills serves 2 UK nations, including Wales.
Our Take on IFG Wills
IFG Wills is the price and disclosure leader in UK online Islamic wills. It is the only mass-market service that names its reviewing Mufti, its founders are qualified solicitors with genuine Islamic finance credentials, and at GBP 98 it is cheaper than every credible alternative. The honest limits are structural: it is a solicitor-run online forms service rather than an SRA-regulated law firm engagement, it covers England and Wales only, and it publishes no fatwa or methodology for how its GBP 348 trust-based product reconciles English trusts with faraid. For straightforward Muslim household estates it is the default recommendation; for business assets, foreign property or contested family situations, treat it as the floor and compare against a regulated private-client solicitor.
How IFG Wills Works
Financing Structure
The will itself is a standard English law will engineered to distribute the estate per the Islamic faraid: the questionnaire captures the family map, IFG's engine calculates each heir's fixed Quranic share, and the wasiyyah third is available for charities and non-heirs. The trust-based tier adds English trust structures for inheritance tax planning and asset protection around the GBP 325,000 nil-rate band; IFG does not publish the detailed Shariah reasoning for the trust mechanics, which is the product line's main disclosure gap.
In-Depth Analysis
IFG Wills is the will-writing arm of Islamic Finance Guru (IFG.VC Limited), the UK halal personal-finance platform that reports benefiting over 100,000 people monthly through its content and product comparisons. The wills service launched from a simple observation the founders make explicitly: there is no point helping the ummah build wealth if estates are then distributed unislamically - or taxed away - at death. IFG claims most people who die without a will cost their families GBP 9,700 on average, and that its service has saved couples GBP 47.2 million in inheritance tax and lost assets over three years.
The product set is deliberately narrow. The GBP 98 Standard Will suits most simple estates: a roughly 20-minute questionnaire, solicitor drafting, official Mufti and legal sign-off, then print-and-sign execution before two witnesses. The GBP 348 Trust-Based Will targets estates above the GBP 325,000 nil-rate band; above GBP 2 million, IFG brings in external estate-planning specialists for a holistic service. Both tiers carry a no-questions money-back guarantee and a GBP 10 per year subscription for unlimited amendments - a model that addresses the biggest real-world failure of wills, which is going stale as assets and families change. A 'Living Islamic Will' feature that auto-updates asset schedules from live data was announced as coming within six months of the crawl date.
The people behind the service are its strongest Shariah argument. Ibrahim Khan is an Oxford graduate, qualified solicitor (formerly Ashurst LLP and Debevoise & Plimpton LLP), holds an MA in Islamic Banking and Finance, and is an alim trained under Shaykh Akram Nadwi. Mohsin Patel is an Oxford graduate and qualified solicitor formerly at Squire Patton Boggs LLP. Billal Omarjee, the external Mufti consultant, is a Darul Uloom Bury graduate and qualified Mufti who previously served as an Islamic scholar at National Zakat Foundation. Every will receives official Mufti and legal sign-off before release.
The regulatory position deserves attention: IFG Wills describes itself as 'an online service providing English and Islamic legal forms' that is 'run by solicitors' but 'is not a law firm'. That means drafting happens outside SRA regulation, without the compensation fund and mandatory insurance protections a law-firm engagement carries. IFG's transparency about this is creditable, and for a GBP 98 simple will the trade-off is reasonable; buyers with complex affairs should weigh it seriously.
Jurisdiction is England and Wales only. IFG's charity partners state this plainly: the service suits people whose assets are mainly in England and Wales, and Scotland or Northern Ireland residents are directed to local firms - Scots succession law (with its legal rights regime) is a different system, and an E&W Islamic will does not translate. This is the single most important screening question for any buyer.
Shariah Compliance Details
- Faraid shares calculated and expressed in the will
- wasiyyah capped at one third
- official Mufti sign-off on every will by Billal Omarjee (Darul Uloom Bury, ex-NZF)
- solicitor founders with Islamic finance credentials. No standing multi-scholar board, no published fatwa for the trust product. IFG Wills is not a law firm and is not SRA-regulated as such
- wills valid in England and Wales only (verified 2026-08-06).
How IFG Wills Compares
Against Wahed Wills (GBP 125 online / from GBP 900 bespoke), IFG is cheaper at both tiers and names its Mufti where Wahed names no one; Wahed counters with pay-after-preview and free changes. Against Farani Taylor's Islamicwills.co.uk (GBP 250-350 plus VAT per person), IFG is a third of the price but lacks SRA regulation and in-person advice - Farani Taylor's Pro tier includes a face-to-face meeting and a flexible life interest for IHT planning that IFG only matches at its specialist tier. IFG's GBP 10 per year amendment subscription beats both on lifetime cost of ownership.
Bottom Line
The best value scholar-verified Islamic will in England and Wales. Use it for straightforward estates without hesitation; upgrade to regulated solicitor advice when business assets, foreign property or family complexity enter the picture.
Read full IFG Wills reviewShariah Compliance & Oversight
Billal Omarjee (qualified Mufti; alim from Darul Uloom Bury; previously Islamic scholar at National Zakat Foundation) as external Mufti consultant, with solicitor-alim Ibrahim Khan and solicitor Mohsin Patel as the legal principals (crawled wills.islamicfinanceguru.com/mend, 2026-08-06).
2026-08-06
Why It's Halal
The trust structures sit on top of the same faraid-compliant distribution engine as the Standard Will, with the wasiyyah third preserved and official Mufti sign-off (Billal Omarjee, external Mufti consultant) on every draft. Trusts are used for English tax planning and asset protection, not to circumvent Islamic shares. Honest caveats: the interaction between English trusts and faraid distribution is scholar-contested territory, IFG does not publish a fatwa or detailed Shariah methodology for its trust drafting, and validity remains England and Wales only (crawled 2026-08-06). The people doing the sign-off are the same named team as the flagship product: external Mufti Billal Omarjee (Darul Uloom Bury graduate, formerly of National Zakat Foundation) reviews for Shariah compliance, while solicitor co-founders Ibrahim Khan (an alim trained under Shaykh Akram Nadwi with an MA in Islamic Banking and Finance) and Mohsin Patel run the drafting discipline - a depth of named religious and legal expertise no other UK online will service publishes.
Create Your Plan: IFG Wills
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Compare With Other Options in Wales
5 other wills & estate products available to Wales residents
Online Islamic will (faraid shares, England and Wales) · 2 states
Solicitor-drafted Islamic will with flexible life interest (England and Wales) · 2 states
Solicitor-drafted Islamic will (fixed fee, England and Wales) · 2 states
Trust-based bespoke Islamic will (IHT planning, English law) · 2 states
Online Islamic will (faraid shares, English law) · 2 states
Frequently Asked Questions
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Important: HalalWallet provides educational information and comparisons to help you explore halal financial options. We do not provide financial, legal, or religious advice. Product structures and Shariah compliance oversight vary by provider. Always verify halal compliance directly with providers and consult with qualified Islamic finance advisors or scholars for guidance on specific products and your individual circumstances.