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  1. #1
    SintoDinto's Avatar
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    Just applied for a job in insurance, not sure if haram

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    Just applied for a job at an insurance office, I heard the Turkish religious directory (or one of their scholars I should say, and the directory is called the Diyanet) say that insurance is not haram, and the imam of my masjid and other people there say insurance is not haram, and my mother's best friend's son works as an insurance sales agent, and personally I see no reason why it should be haram. Gambling that you'll win at backgammon and then stealing the other guy's money if you win is not the same as providing money as a safety net in case you get into an accident.

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    Studentofdeed's Avatar
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    Re: Just applied for a job in insurance, not sure if haram

    If everyone you asked around said it's fine then you did your part. It's like going to the restuarant and asking if its halal. If they say yes then you did your job. You cant say no and start making accusations. You do your part and if there is any fault, Allah understands because you did your best.
    May allah accept and help you get the job

  4. #3
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    Re: Just applied for a job in insurance, not sure if haram



    Isn't it ridiculous how people go at length to find excuses to turn haram into halal?

    Those who like music, you will find them searching for Fatwas declaring it halal.
    Those who like drawing, you will find them searching for Fatwas declaring drawing of animate beings as halal.
    Same goes for those who indulge in any sort of interest dealings, and several other sinful actions.


    https://islamqa.info/en/answers/8889...-concerning-it

    The true nature of insurance and the rulings concerning it - Islam Question & Answer

    Praise be to Allaah.


    1)All kinds of commercial insurance are clearly and undoubtedly ribaa (interest/usury). Insurance is the sale of money for money, of a greater or lesser amount, with a delay in one of the payments. It involves riba al-fadl (interest-based transaction) and riba al-nas’ (interest to be charged if payment is delayed beyond the due date), because the insurance companies take people’s money and promise to pay them more or less money when a specific accident against which insurance has been taken out happens. This is riba, and riba is forbidden in the Qur’aan, in many aayaat.

    2)All kinds of commercial insurance are based on nothing but gambling which is haraam according to the Qur’aan:

    “O you who believe! Intoxicants (all kinds of alcoholic drinks), and gambling, and Al-Ansaab (stone altars for sacrifice to idols etc.) and Al-Azlaam (arrows for seeking luck or decision) are an abomination of Shaytaan’s (Satan’s) handiwork. So avoid (strictly all) that (abomination) in order that you may be successful” (al-Maa’idah 5:90 – interpretation of the meaning).

    All kinds of insurance are kinds of playing with chances. They tell you, Pay this much money, then if this happens to you we will give you this much. This is pure gambling. Insisting on differentiating between insurance and gambling is pure stubbornness that is unacceptable to any sound mind. The insurance companies themselves admit that insurance is gambling.


    3)All kinds of insurance are forms of uncertainty, and transactions which involve uncertainty are forbidden according to many saheeh ahaadeeth, such as the hadeeth narrated by Abu Hurayrah (may Allaah be pleased with him):

    “The Messenger of Allaah (peace and blessings of Allaah be upon him) forbade transactions determined by throwing a stone and transactions which involved some uncertainty.” (Narrated by Muslim).

    [“Transactions determined by throwing a stone” – this was a type of transaction that was prevalent in the markets of pre-Islamic Arabia, whereby a stone was thrown by either the buyer or the seller, and whatever it touched, its transaction became binding. “Transactions which involved some uncertainty” – is a transaction in which there is no guarantee that the seller can deliver the goods for which he receives payment. Footnotes from the translation of Saheeh Muslim. (Translator)].


    All forms of commercial insurance are based on uncertainty of the most extreme kind. Insurance companies and those who sell insurance refuse to insure cases except where there is clear uncertainty in whether or not the condition being insured against will happen or not.In other words, the condition being insured against must have a possibility of happening or not happening (as opposed to, for example, someone who has a pre-existing condition, such as a person who is on death row applying for life insurance--translator.) Moreover, this transaction involves something uncertain, which is when an accident will happen and the extent of the damage caused. Hence insurance combines three kinds of extreme uncertainty.


    4)All kinds of commercial insurance consume people’s wealth unjustly, which is haraam according to the Qur’aan:

    “O you who believe! Eat not up your property among yourselves unjustly” (al-Nisaa’ 4:29 – interpretation of the meaning).

    All forms of commercial insurance are fraudulent transactions aimed at consuming people’s wealth unjustly. The precise statistics calculated by one of the German experts state that what people get back of what has been taken from them is no more than 2.9%.


    Insurance is an immense loss for the nation, and there is no evidence or excuse to be found in the actions of the kuffaar who have lost the ties of kinship and friendship and are therefore forced to resort to insurance, which they hate as much as they hate death.


    These are only some of the violations of sharee’ah which insurance is essentially based upon. There are numerous other violations which we do not have room to mention here, and there is no need to do so, because just one of the violations which we have mentioned above is sufficient to make insurance one of the things which is most prohibited in the sharee’ah of Allaah.


    It is a shame that some people are deceived by the ways in which the insurance companies make insurance attractiveand confuse them by calling it “co-operative” or “mutual support”or “Islamic”, or other names which do not change the unjust nature of insurance in the slightest.


    The insurance companies’ claim that the ‘ulamaa’ have issued fatwaas stating that so-called “co-operative insurance” is halaal, is a lie. The reason for this confusion is that some insurance companies approached the ‘ulamaa’ with a deceitful set-up which has nothing to do with any kind of insurance, but they said that it was a kind of insurance which they called “co-operative insurance” (to make it sound attractive and to confuse the people). They said that it was purely in the nature of a donation, and that it was a kind of the co-operation enjoined by Allaah in the aayah (interpretation of the meaning): “Help you one another in Al-Birr and At-Taqwa (virtue, righteousness and piety)…” (al-Maa’idah 5:2), and that the aim was to co-operate in alleviating the overwhelming disasters that may befall people. But in fact what they called co-operative insurance was just like any other kind of insurance; the only difference was in the way in which it was set up, not in its essential nature. It was far from being any kind of simple donation or co-operation in righteousness and piety; in fact it is a kind of co-operation in sin and transgression. It was not aimed at helping to relieve the distress of calamities, but at depriving people of their wealth by unjust means, which is absolutely haraam, as are other kinds of insurance. Hence what they proposed to the ‘ulamaa’ is not even insurance at all.


    With regard to the claim made by some, that part of the premium (money paid to the insurer) is returned, this does not change anything and does not free insurance from the taint of ribaa, gambling, transactions based on uncertainty, unjust consumption of people’s wealth and going against the principle of trusting in Allaah (tawakkul), and other kinds of haraam actions. Insurance is deceit and confusion. Anyone who wishes to learn more should refer to the essay al-Ta’meen wa Ahkaamuhu (Insurance and its rulings). I call on every Muslim who has pride in his religion and whose hopes are focused on Allaah and the Last Day to fear Allaah and to avoid all kinds of insurance, no matter how attractive their proponents make them, for they are undoubtedly forbidden. In this manner he will protect his religion and his wealth, and he will be blessed with security from the Owner of security, may He be exalted.


    May Allaah help me and you to have insight into matters of religion and to do that which is pleasing to the Lord of the Worlds.
    | Likes SintoDinto, loneseeker, Ahmed. liked this post
    Just applied for a job in insurance, not sure if haram

    تَقَـبَّـلَ اللهُ مِنَّـا وَمِنْـكُم

  5. #4
    SintoDinto's Avatar
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    Re: Just applied for a job in insurance, not sure if haram

    Quote Originally Posted by AabiruSabeel View Post


    Isn't it ridiculous how people go at length to find excuses to turn haram into halal?

    Those who like music, you will find them searching for Fatwas declaring it halal.
    Those who like drawing, you will find them searching for Fatwas declaring drawing of animate beings as halal.
    Same goes for those who indulge in any sort of interest dealings, and several other sinful actions.


    https://islamqa.info/en/answers/8889...-concerning-it

    The true nature of insurance and the rulings concerning it - Islam Question & Answer

    Praise be to Allaah.


    1)All kinds of commercial insurance are clearly and undoubtedly ribaa (interest/usury). Insurance is the sale of money for money, of a greater or lesser amount, with a delay in one of the payments. It involves riba al-fadl (interest-based transaction) and riba al-nas’ (interest to be charged if payment is delayed beyond the due date), because the insurance companies take people’s money and promise to pay them more or less money when a specific accident against which insurance has been taken out happens. This is riba, and riba is forbidden in the Qur’aan, in many aayaat.

    2)All kinds of commercial insurance are based on nothing but gambling which is haraam according to the Qur’aan:

    “O you who believe! Intoxicants (all kinds of alcoholic drinks), and gambling, and Al-Ansaab (stone altars for sacrifice to idols etc.) and Al-Azlaam (arrows for seeking luck or decision) are an abomination of Shaytaan’s (Satan’s) handiwork. So avoid (strictly all) that (abomination) in order that you may be successful” (al-Maa’idah 5:90 – interpretation of the meaning).

    All kinds of insurance are kinds of playing with chances. They tell you, Pay this much money, then if this happens to you we will give you this much. This is pure gambling. Insisting on differentiating between insurance and gambling is pure stubbornness that is unacceptable to any sound mind. The insurance companies themselves admit that insurance is gambling.


    3)All kinds of insurance are forms of uncertainty, and transactions which involve uncertainty are forbidden according to many saheeh ahaadeeth, such as the hadeeth narrated by Abu Hurayrah (may Allaah be pleased with him):

    “The Messenger of Allaah (peace and blessings of Allaah be upon him) forbade transactions determined by throwing a stone and transactions which involved some uncertainty.” (Narrated by Muslim).

    [“Transactions determined by throwing a stone” – this was a type of transaction that was prevalent in the markets of pre-Islamic Arabia, whereby a stone was thrown by either the buyer or the seller, and whatever it touched, its transaction became binding. “Transactions which involved some uncertainty” – is a transaction in which there is no guarantee that the seller can deliver the goods for which he receives payment. Footnotes from the translation of Saheeh Muslim. (Translator)].


    All forms of commercial insurance are based on uncertainty of the most extreme kind. Insurance companies and those who sell insurance refuse to insure cases except where there is clear uncertainty in whether or not the condition being insured against will happen or not.In other words, the condition being insured against must have a possibility of happening or not happening (as opposed to, for example, someone who has a pre-existing condition, such as a person who is on death row applying for life insurance--translator.) Moreover, this transaction involves something uncertain, which is when an accident will happen and the extent of the damage caused. Hence insurance combines three kinds of extreme uncertainty.


    4)All kinds of commercial insurance consume people’s wealth unjustly, which is haraam according to the Qur’aan:

    “O you who believe! Eat not up your property among yourselves unjustly” (al-Nisaa’ 4:29 – interpretation of the meaning).

    All forms of commercial insurance are fraudulent transactions aimed at consuming people’s wealth unjustly. The precise statistics calculated by one of the German experts state that what people get back of what has been taken from them is no more than 2.9%.


    Insurance is an immense loss for the nation, and there is no evidence or excuse to be found in the actions of the kuffaar who have lost the ties of kinship and friendship and are therefore forced to resort to insurance, which they hate as much as they hate death.


    These are only some of the violations of sharee’ah which insurance is essentially based upon. There are numerous other violations which we do not have room to mention here, and there is no need to do so, because just one of the violations which we have mentioned above is sufficient to make insurance one of the things which is most prohibited in the sharee’ah of Allaah.


    It is a shame that some people are deceived by the ways in which the insurance companies make insurance attractiveand confuse them by calling it “co-operative” or “mutual support”or “Islamic”, or other names which do not change the unjust nature of insurance in the slightest.


    The insurance companies’ claim that the ‘ulamaa’ have issued fatwaas stating that so-called “co-operative insurance” is halaal, is a lie. The reason for this confusion is that some insurance companies approached the ‘ulamaa’ with a deceitful set-up which has nothing to do with any kind of insurance, but they said that it was a kind of insurance which they called “co-operative insurance” (to make it sound attractive and to confuse the people). They said that it was purely in the nature of a donation, and that it was a kind of the co-operation enjoined by Allaah in the aayah (interpretation of the meaning): “Help you one another in Al-Birr and At-Taqwa (virtue, righteousness and piety)…” (al-Maa’idah 5:2), and that the aim was to co-operate in alleviating the overwhelming disasters that may befall people. But in fact what they called co-operative insurance was just like any other kind of insurance; the only difference was in the way in which it was set up, not in its essential nature. It was far from being any kind of simple donation or co-operation in righteousness and piety; in fact it is a kind of co-operation in sin and transgression. It was not aimed at helping to relieve the distress of calamities, but at depriving people of their wealth by unjust means, which is absolutely haraam, as are other kinds of insurance. Hence what they proposed to the ‘ulamaa’ is not even insurance at all.


    With regard to the claim made by some, that part of the premium (money paid to the insurer) is returned, this does not change anything and does not free insurance from the taint of ribaa, gambling, transactions based on uncertainty, unjust consumption of people’s wealth and going against the principle of trusting in Allaah (tawakkul), and other kinds of haraam actions. Insurance is deceit and confusion. Anyone who wishes to learn more should refer to the essay al-Ta’meen wa Ahkaamuhu (Insurance and its rulings). I call on every Muslim who has pride in his religion and whose hopes are focused on Allaah and the Last Day to fear Allaah and to avoid all kinds of insurance, no matter how attractive their proponents make them, for they are undoubtedly forbidden. In this manner he will protect his religion and his wealth, and he will be blessed with security from the Owner of security, may He be exalted.


    May Allaah help me and you to have insight into matters of religion and to do that which is pleasing to the Lord of the Worlds.
    what about interest based loans I was coerced into taking due to the threat of homelessness or disowning because I "needed " an economics degree, and my mother said, she didn't have the money otherwise and I could not find a job due to disability?

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  7. #5
    keiv's Avatar
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    Re: Just applied for a job in insurance, not sure if haram

    So what's the answer to those who live in areas where owning insurance is required? Sell everything and move?

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    Re: Just applied for a job in insurance, not sure if haram

    The insurance that is sort of forced on you ((like
    the legally required minimum car insurance), that's ok

    Any other insurance is haram as it is basically the same as interest, or gambling: you put in money and you either get back more than you put in (interest) or you lose the money (gambling) based on something happening or not
    Last edited by Ahmed.; 19 Hours Ago at 11:16 AM.
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    keiv's Avatar
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    Re: Just applied for a job in insurance, not sure if haram

    Quote Originally Posted by Ahmed. View Post
    The insurance that is sort of forced on you ((like
    the legally required minimum car insurance), that's ok

    Any other insurance is haram as it is basically the same as interest, or gambling: you put in money and you either get back more than you put in (interest) or you lose the money (gambling) based on something happening or not
    How is vehicle insurance any different?

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    Ahmed.'s Avatar
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    Re: Just applied for a job in insurance, not sure if haram

    Quote Originally Posted by keiv View Post
    How is vehicle insurance any different?
    Because we are required by law to at least have a 3rd party insurance. Hadith says, if something is forced on you, then you are excused for it.

    So let's say we buy a car as we need it, now to be able to drive that car lawfully, you have to have insurance, so this is why the minimum required insurance won't be a sin on us.
    | Likes loneseeker liked this post

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    keiv's Avatar
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    Re: Just applied for a job in insurance, not sure if haram

    So, would that not be considered making an excuse to turn something haraam into something halal as Aabirusabeel pointed out?

    The point I’m trying to make is where do you cross the line when it comes to making exceptions because an exception can be made for other things which are considered haram.
    | Likes loneseeker liked this post

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    Ahmed.'s Avatar
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    Re: Just applied for a job in insurance, not sure if haram

    Anything forced on a person is excused, so all forced things are the exception. E. G. Taxing income is haram in Islam, but since the government forces it on us, its not a sin on us to pay our taxes

    So it really depends on whether it is forced on us or not and something we cannot do without.

    Uni education is not necessary for a decent living so student loan will be haram, but @SintoDinto , since you are mentally impaired and was coerced with fear into getting the loan, there is hope you will be forgiven, but still u have to acknowledge it as a sin and repent

  14. #11
    loneseeker's Avatar
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    Re: Just applied for a job in insurance, not sure if haram

    @SintoDinto Is there no other jobs available for you?

    Please kindly recite and understand Al Baqarah 275,276,279
    | Likes Ahmed. liked this post

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    SintoDinto's Avatar
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    Re: Just applied for a job in insurance, not sure if haram

    @Ahmed Thank you brother, I will not take an insurance job. As for the loan, thank you so much for clarifying. it's actually a funny story, I did pray for repentance and prayed I would no longer have my mother get out loans, and sure enough (alhamdulillah) my mother missed the deadline for financial aid and was ineligible for financial aid the next time, and will likely be ineligible in the future as she gets her promotion inshaAllah (and we will have more money to pay out pocket, and my sister too, who also helps with our finances and is getting a promotion inshaAllah and my brother in law might get a promotion too inshaAllah though I don't know much about his job). I might also get an internship or get a job from a brother starting a halal meat market. I even convinced my mother to pay for another college I transferred to temporarily to not pay with financial aid and she paid with her credit card (dont know the ruling on that, hanafi scholars say as long as you pay back on deadline its fine), by the mercy of Allah, so i will take your advice and continue to make dua. please include me in your duas.
    | Likes Ahmed. liked this post

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    SintoDinto's Avatar
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    Re: Just applied for a job in insurance, not sure if haram

    Quote Originally Posted by loneseeker View Post
    @SintoDinto Is there no other jobs available for you?

    Please kindly recite and understand Al Baqarah 275,276,279
    well, in my country, the majority of jobs available to college students are retail (cashier, etc.) and fast food because you need time to study so you can only get part time jobs that pay per hour. they pay very little. the minimum wage here is inhuman though i imagine it's worse in some muslim countries?. I live in america btw. but i got offered a part time job in a mosque brother's halal meat market he's starting, but it's gonna take a while (or at least it has). even so, i would start out with a small wage because it's a small business.

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    Re: Just applied for a job in insurance, not sure if haram

    Quote Originally Posted by loneseeker View Post
    @SintoDinto Is there no other jobs available for you?

    Please kindly recite and understand Al Baqarah 275,276,279
    I also offered to my mother to get a 6 month data science certification online which costs 200-300 dollars at some websites, and can lead to a lucrative career (my old babysitter did that and they're doing well). But she refused, saying I give up on things too easily and she doesn't want me to waste her money.


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