Sharia Insurance products have been growing gradually in the last decades. Some research predicted that this growth will reach 15 – 20%.  The sharia insurance product should contain tabarru fund, which is a collected  fund that the intention is to help each other without any compensation. Theoretically, this fund is collected to pay the claim of the insured person. Sharia insurance companies also offer the unit-linked sharia insurance, which is previously introduced by conventional insurance companies. This paper discuss how the unit-linked sharia insurance works. We take a look at this product provided from different companies. We build a mathematical model to calculate the tabarru fund of the unit-linked product and do the simulation of some cases. The result indicates some ujrah (fee) being taken from the paid premium, namely acquisition fee, administration fee, management risk fee, investment management fee, transfer of fund fee. The simulations on a participant who life until 99 years old and dies at certain ages shows disrepancies between the amount of Tabarru fund being collected from the products being observed. We also observe the time when the fund is not enough to pay the promised claims.