In the name of Allah the Merciful
Peace, blessings and mercy of Allah be upon you.

Is life insurance permissible or prohibited by Shari’ah rulings? Jazakum Allahu Khairan.

In the name of Allah the Beneficent the Merciful
Praise be to Allah, prayers and peace be upon His kind Messenger, his family members, companions and followers.

The prevailing contemporary Fiqh trend prohibits life insurance, because it goes against the Muslim’s core of faith, which is built upon his firm trust that Allah the Almighty is his Creator, Sustainer, Supporter, Sponsor and health Giver. And if a Muslim seeks insurance on his life, this would mean that he seeks help from an outsider other than Allah to support him in his life affairs. And this is what the Fiqh assemblies have decided upon, especially the Islamic Fiqh Assembly that was convened in Makkah in 1978, which recommended that life insurance is absolutely prohibited

What I advise the questioner – may Allah guide him to the true and right path – is to avoid such kind of insurance because it is absolutely contrary to our Islamic belief, and that your trust in Allah must be firm and solid, because Allah is the Best Sponsor, Helper and Supporter, and you have to remember the well-known Divine Hadith: “I am up to the best trust of My servant in Me”. Allah knows best.