when did I say it’s haram ?
you really have problem with understanding atleast what i write !
I said its similar to conventional insurance i didn’t say it’s haram !
my simple logic is
takaful is islamic OK
backed by retakaful (ok) or backed by conventional reinsurance (not ok)
retakaful or reinsurance backed by retrocessions (not ok)
not ok is from point of view of people who thinks insurance is haram.