{"id":20741,"date":"2021-03-20T21:29:40","date_gmt":"2021-03-20T21:29:40","guid":{"rendered":"http:\/\/daruliftabirmingham.co.uk\/?p=20741"},"modified":"2021-03-20T21:29:40","modified_gmt":"2021-03-20T21:29:40","slug":"is-income-protection-policy-lawful-in-islam","status":"publish","type":"post","link":"http:\/\/daruliftabirmingham.co.uk\/home\/is-income-protection-policy-lawful-in-islam\/","title":{"rendered":"Is Income Protection Policy Lawful in Islam"},"content":{"rendered":"

Fatwa ID:05072<\/strong><\/span><\/p>\n

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Answered by:\u00a0Mufti Mohammed Tosir Miah<\/strong><\/span><\/p>\n

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Question<\/u><\/strong><\/span><\/p>\n

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I am a doctor and want to know whether income protection is permissible. It pays the policyholder is incapacitated and they are unable, following illness or accident to perform their own occupation and are not working in another job.<\/span><\/p>\n

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In the name of Allah, the Most Gracious, the Most Merciful<\/u><\/strong><\/span><\/p>\n

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

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Income protection policies are impermissible in Islam.<\/span><\/p>\n

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

    \n
  1. Interest<\/span><\/li>\n<\/ol>\n

    The Holy Prophet of Allah Sallallahu Alahi Wasalam has said, \u201cTo take one dirham of interest knowingly is worse than committing adultery 36 times.\u201d (Mishkaatul Masaabeeh p.246 v.1)<\/span><\/p>\n

     <\/p>\n

      \n
    1. There 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><\/li>\n<\/ol>\n

      The Prophet of Allah Sallallahu Alahi Wasalam has \u201cforbade deception and uncertainty in transactions.\u201d (Sunan Tirmizi p.233 v.1)<\/span><\/p>\n

       <\/p>\n

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      1. Gambling<\/span><\/li>\n<\/ol>\n

        Insurance 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.\u00a0 (Raddul Muhtar p.577 v.9) \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<\/span><\/p>\n

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        Only Allah Knows Best<\/span><\/p>\n

        Written by Mufti Mohammed Tosir Miah<\/span><\/p>\n

        Darul Ifta Birmingham<\/span><\/p>\n

         <\/p>\n","protected":false},"excerpt":{"rendered":"

        Fatwa ID:05072   Answered by:\u00a0Mufti Mohammed Tosir Miah   Question   I am a doctor and want to know whether income protection is permissible. It…<\/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\/20741"}],"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=20741"}],"version-history":[{"count":2,"href":"http:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/posts\/20741\/revisions"}],"predecessor-version":[{"id":20936,"href":"http:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/posts\/20741\/revisions\/20936"}],"wp:attachment":[{"href":"http:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/media?parent=20741"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/categories?post=20741"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/tags?post=20741"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}