{"id":10457,"date":"2018-08-01T17:22:30","date_gmt":"2018-08-01T17:22:30","guid":{"rendered":"http:\/\/daruliftabirmingham.co.uk\/?p=10457"},"modified":"2018-08-01T17:22:59","modified_gmt":"2018-08-01T17:22:59","slug":"life-insurance","status":"publish","type":"post","link":"http:\/\/daruliftabirmingham.co.uk\/home\/life-insurance\/","title":{"rendered":"Life insurance"},"content":{"rendered":"

\n\tFatwa ID: 02573<\/strong><\/span><\/span><\/span>\n<\/p>\n

\n\tAnswered by: <\/strong>Maulana Javed ibn Nazir Kachhalia<\/span><\/span><\/span>\n<\/p>\n

\n\tQuestion<\/strong><\/span><\/span><\/span>\n<\/p>\n

\n\tAssalam-o-Alaikum,
\n\tThis is Engineer M.Ajmal from Lahore. I belong to the middle-class family. One of State Life Insurance company agent is forcing me to take insurance policy for my children's future.<\/span><\/span><\/span>\n<\/p>\n

\n\tThis insurance company has got so many Islamic reasons\/proofs to do insurance but I am confused about it.  I am very upset about my financial career and my children. So what should I do? Should I take this insurance policy? 
\n\tWhat is the Islamic point of view regarding State Life Insurance?<\/span><\/span><\/span>\n<\/p>\n

\n\tPlease issue a fatwa for me so that I can do everything peacefully if it's not going against the Islamic Laws\/Orders.<\/span><\/span><\/span>\n<\/p>\n

\n\tAnswer<\/strong><\/span><\/span><\/span>\n<\/p>\n

\n\tIn regards to your query;<\/span><\/span><\/span>\n<\/p>\n

\n\tIt has been written in ‘Aapke Masa’ail aur unke Hal’:<\/em><\/span><\/span><\/span>\n<\/p>\n

\n\t“ Insurance (any category or type) is not permitted because there is an element of gambling and also interest (Riba), but in some circumstances to take up insurance (in this case car insurance) in some places and countries is obligatory, therefore, will be permissible” (Aapke Masa’ail aur unke Hal’, Vol 6, Pg 255, Maktabh Ludhyanvi)<\/strong><\/em><\/span><\/span><\/span>\n<\/p>\n

\n\t“<\/em><\/strong>It is a well-settled principle of Shari’ah that every transaction between two parties in which the payment by one party is certain and mandatory while payment by the other party depends upon a contingency (which may or may not occur) is included in qimar and gharar and is therefore unlawful.”. (Ahsanul Fatawa, Vol 7, Pg 24, Saeed Company)<\/strong><\/em><\/span><\/span><\/span>\n<\/p>\n

\n\tThere are three reasons for the impermissibility of this:<\/span><\/span><\/span>\n<\/p>\n

    \n
  1. \n\t\tInterest<\/span><\/span><\/span>\n\t<\/li>\n<\/ol>\n

    \n\tThe Holy Prophet of Allah SallallahuAlahiWasalam has said, “To take one dirham of interest knowingly is worse than committing adultery 36 times.” (Mishkaatul-Masaabeeh)<\/em><\/strong><\/span><\/span><\/span>\n<\/p>\n

      \n
    1. \n\t\tThere is an element of deception. The insurance contract contains uncertainty due to the amount being paid is not fixed and the time it will occur also being uncertain.<\/span><\/span><\/span>\n\t<\/li>\n<\/ol>\n

      \n\tThe Prophet of Allah SallallahuAlahiWasalam has “forbade deception and uncertainty in transactions.” (SunanTirmizi)<\/em><\/strong><\/span><\/span><\/span>\n<\/p>\n

        \n
      1. \n\t\tGambling<\/span><\/span><\/span>\n\t<\/li>\n<\/ol>\n

        \n\tInsurance policies require payment of money, thereafter if the following mishaps were to occur a payment would be made. This is a pure form of gambling.  (Raddul Muhtar p.577 v.9)<\/em><\/strong><\/span><\/span><\/span>\n<\/p>\n

        \n\tYou can find more information in regards to your query on our website:<\/span>http:\/\/daruliftabirmingham.co.uk\/life-insurance-money\/<\/a> <\/span><\/span>\n<\/p>\n

        \n\tOnly Allah knows best.<\/span><\/span><\/span>\n<\/p>\n

        \n\tWritten by Maulana Javed ibn Nazir Kachhalia<\/span><\/span><\/span>\n<\/p>\n

        \n\tChecked and approved by Mufti Mohammed Tosir Miah<\/span><\/span><\/span>\n<\/p>\n

        \n\tDarul Ifta Birmingham<\/span><\/span><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

        Fatwa ID: 02573 Answered by: Maulana Javed ibn Nazir Kachhalia Question Assalam-o-Alaikum, This is Engineer M.Ajmal from Lahore. I belong to the middle-class family. One of…<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[17],"tags":[],"_links":{"self":[{"href":"http:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/posts\/10457"}],"collection":[{"href":"http:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/comments?post=10457"}],"version-history":[{"count":2,"href":"http:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/posts\/10457\/revisions"}],"predecessor-version":[{"id":10459,"href":"http:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/posts\/10457\/revisions\/10459"}],"wp:attachment":[{"href":"http:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/media?parent=10457"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/categories?post=10457"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/tags?post=10457"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}