The majlis: Education is how we foster tolerance in the UAE


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In modern times, cross-­culture tolerance is vital to advance as a society. From a young age, I have been privileged to experience a wide range of cultures, societies and people from across the world.

When I was 11, I moved to a British school in Abu Dhabi because my parents believed in a strong education that integrated learning beyond regular curriculum. As part of my duties, I attended church every Sunday. For a ­Muslim girl, this was as unconventional as it was exciting. My memories and experiences from that time are still vivid. I remember our culturally and religiously diverse classroom, all of us oblivious to our differences and happy to be walking into church as one.

My home environment gave me the education I needed to understand my faith and to accept other cultures and religions. When I informed my parents of my church attendance, they told me: “Islam is a faith that stresses on respecting other faiths, so make sure you enter church with an utmost respect for its holy ground.”

This and many other life experiences have taught me that we should embrace our differences and learn tolerance from a young age. If we give children an enriching education about their faith at home, we shouldn’t fear exposing them to other religions. I believe that this helps embed tolerance.

From school to college, I transitioned with ease. Jumping from one diverse community to another, I took many classes in the arts. One of the most intriguing and unique classes focused on ­Hinduism in theatre. As part of the course, I travelled to India and stayed with a Hindu family. The experience taught me the important role of love between people of different faiths and how beautiful it is to experience that.

At the start of the trip, with no mosques nearby, I was worried that I wouldn’t know when to pray. The father of the family, however, went above and beyond and asked his Muslim friends to call every prayer time, so he could inform me.

Two special things happened when he answered his phone. First, I could feel the strong bond he enjoyed with his Muslim friends despite their differences. Second, I saw the respect he had for different faiths. I truly believe that being exposed to different cultures can bring special, beautiful moments that we may otherwise never experience.

As I grew older, I had absolute conviction in Islam, but I had many religious questions – the kind that lots of people have floating in their minds but are too scared to raise. I decided to take a religions class to educate myself on other faiths and to have a safe space in which to discuss them.

This course, taught by a priest, was the most rewarding in my four years at college. Fear of tolerating different faiths and/or cultures stems from not knowing more about those other faiths or cultures. After learning more about other religions and their ideologies, I found they all have one thing in common: to instil peace and kindness in the world.

Tolerance is vital to our community because every day we are becoming more integrated with so many cultures and religions. This creates a complex but beautiful diversity that helps us all as individuals to learn from one another. It lets us teach our children to respect the different because, at the end of the day, we are all human and we are all alike.

I don’t have a formal education on the topic of tolerance, but I hope that my personal experiences can widen other people’s horizons. Sometimes real-life experiences provide sufficient foundation on which to discuss such complex matters.

* As told to Kathryn Roberts

Sara Alahbabi is a visual-arts graduate of NYU Abu Dhabi. She works at Abu Dhabi Tourism & Culture Authority and runs an art gallery in the emirate.

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Key changes

Commission caps

For life insurance products with a savings component, Peter Hodgins of Clyde & Co said different caps apply to the saving and protection elements:

• For the saving component, a cap of 4.5 per cent of the annualised premium per year (which may not exceed 90 per cent of the annualised premium over the policy term). 

• On the protection component, there is a cap  of 10 per cent of the annualised premium per year (which may not exceed 160 per cent of the annualised premium over the policy term).

• Indemnity commission, the amount of commission that can be advanced to a product salesperson, can be 50 per cent of the annualised premium for the first year or 50 per cent of the total commissions on the policy calculated. 

• The remaining commission after deduction of the indemnity commission is paid equally over the premium payment term.

• For pure protection products, which only offer a life insurance component, the maximum commission will be 10 per cent of the annualised premium multiplied by the length of the policy in years.

Disclosure

Customers must now be provided with a full illustration of the product they are buying to ensure they understand the potential returns on savings products as well as the effects of any charges. There is also a “free-look” period of 30 days, where insurers must provide a full refund if the buyer wishes to cancel the policy.

“The illustration should provide for at least two scenarios to illustrate the performance of the product,” said Mr Hodgins. “All illustrations are required to be signed by the customer.”

Another illustration must outline surrender charges to ensure they understand the costs of exiting a fixed-term product early.

Illustrations must also be kept updatedand insurers must provide information on the top five investment funds available annually, including at least five years' performance data.

“This may be segregated based on the risk appetite of the customer (in which case, the top five funds for each segment must be provided),” said Mr Hodgins.

Product providers must also disclose the ratio of protection benefit to savings benefits. If a protection benefit ratio is less than 10 per cent "the product must carry a warning stating that it has limited or no protection benefit" Mr Hodgins added.

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