What is the ruling on money obtained from the Takaful program affiliated with the Saudi British Bank, and is it permissible to build a mosque with this money? And can the money used to build the mosque be purified by donating an equivalent amount to public welfare projects?
Commercial insurance, of all types, is forbidden. The program your deceased brother subscribed to falls under this forbidden insurance.
If the insurance is forbidden, then the insured person should only take back from the insurance company what he paid in premiums. The remainder of the amount paid by the company should be considered as follows:
- The amount paid by the deceased brother should be added to his estate and belongs to his heirs. They may permit its expenditure on building a mosque. - Any amount exceeding the paid premiums, if it can be returned to the insurance company, should be returned to it. Otherwise, it should be spent on the welfare of Muslims, such as building mosques. This is considered a purification from ill-gotten gains, not a charity on behalf of the deceased.
The Permanent Committee has issued a stating that commercial insurance is forbidden, and that the injured party may take back what he paid to the company, and the rest should be given as charity to the poor or spent on charitable causes.
Summary from Ftawy's records · added here
Reviewed by El Fatwa's sharia committee.
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- 19421
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- Summary from Ftawy's records, reviewed by El Fatwa's sharia committee.
- Read the full ruling
- Read the full answer on Ftawy