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Is Selling Insurance Permissible?

Answered as per Hanafi Fiqh by Mahmoodiyah


Assalamualaikum. I need help. I’ve been out of work for a while and have no money whatsoever and just got a job so I can get married and seek Ilm.
Alhamdulillah. But this job is for a company wherein they want me to answer phones and try to sell to people. Among other permissible products, they’re asking me to sell insurance for their telephones and phone lines. I asked a brother about this and he said it may be permissible because it’s not insurance for one’s self but for objects. And another brother said it was not permissible because you’re selling the Haraam to make a profit. I need a job but also don’t want to fall into the Haraam. Secondly, there are other Muslims that work there that are Salafi, but I don’t think they noticed this, if this is Haraam, should I tell them about it though it might put us all out of work? Jazaakallah Khair.


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Today’s conventional insurance is unlawful due to it being inclusive of two Haraam components, gambling and interest.  Just as it is Haraam to sell prohibited items, it will be Haraam to encourage the sale of such items.  In the Hadith of Nabi (S.A.W.) the person who transcribes the transaction wherein interest is found and the witness to this transaction are both accursed.  Therefore it will not be permissible for you to deal with insurance transactions therefore you should refuse to deal in such transactions and rather continue working by trading with other lawful items. 

You should inform your Salafi colleagues with regards to this Mas’ala.                                   

And Allah Ta’ala knows best

Mufti Muhammad Ashraf

Darul Iftaa

Jameah Mahmoodiyah



20 April 2005

11 Rabee’ul Awwal 1426

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