Is life insurance forbidden, and what is the reason for its prohibition? Is it considered a form of social solidarity, knowing that canceling it would result in the loss of a large portion of the money paid?
Source: FtawySummary from Ftawy's records · added here Sep 2, 2026
We have previously clarified that commercial insurance of all types, such as life or property insurance, is impermissible due to its inclusion of (uncertainty), jahalah (ignorance), and gambling. It is not considered a form of social solidarity (takaful ijtima'i) because its primary aim is material profit. This is unlike cooperative insurance, where these prohibitions are absent, and which falls under the category of legitimate solidarity (takaful mashru'), as profit is not intended, but rather consolation and assistance.
Summary from Ftawy's records · added here
Reviewed by El Fatwa's sharia committee.
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- Ftawy
- Original fatwa ID
- 69829
- Added here
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- Text
- Summary from Ftawy's records, reviewed by El Fatwa's sharia committee.
- Read the full ruling
- Read the full answer on Ftawy