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Working in a Insurance Company as an Claims Engineer

Answered according to Hanafi Fiqh by Daruliftaa.com

I am receiving more opportunity from Insurance companies in Claim Department as claims engineer. Basically, I am an electrical engineer and entered in the Insurance industry accidentally and gained experience for more than two years. Is it allowed for me to continue working in the Insurance industry or I have to change to different field. Pls advise me…

ANSWER

In the name of Allah, Most Compassionate, Most Merciful,

It is always best to avoid working in the insurance industry. Islamically, if one’s job entails being directly involved with any interest-based transaction, then that job would not be permitted.

Working in the claims department as a claims engineer would mean one being directly involved with the various insurance policies that are based on interest (riba) and/or gambling (qimar).

Moreover, the salary paid by companies that deal with all forms of insurances is not lawful (halal). Premiums paid by the policy-holder to the insurance company are based on a transaction of interest and gambling, hence the money comes into the ownership of the insurance company in an unlawful manner. As such, this money would not be Halal to take as one’s wages.

And Allah knows best

[Mufti] Muhammad ibn Adam
Darul Iftaa
Leicester , UK

This answer was collected from Daruliftaa.com, which is headed by Mufti Muhammad ibn Adam Al-Kawthari. He’s based in the United Kingdom.

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