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Shafi'i Fiqh

Islamic Ruling on Accepting Life Insurance Provided by Employer

We are the staff of a certain company. The company`s management will provide life insurance to all of us as an employer-provided benefit. Actually, the company will pay all insurance premiums and fees, and we will not be liable for anything at all. What is the ruling of Sharia on this insurance? And, is the employee benefitting from this insurance liable for anything from the perspective of Sharia?

Shafi'i Fiqh

Ruling on Trading in the “Bio Disc”

What is the ruling of Sharia on trading in what is called the "Bio Disc"? Is trading in it lawful or not? It is worth mentioning that a person trading in this "Bio Disc" gets a certain percentage against every customer and the more customers he sells this product to, the more profit he makes. This percentage could even reach (15000JDs) per month. As I have heard, this "Bio Disc" generates natural power and transforms negative energy emanating from sets, such as mobile phones, computers and the like, into positive energy.

Shafi'i Fiqh

It is Prohibited to Deceive Insurance Companies to Get more

I live in the United States of America, and I have subscribed to one of the insurance companies there. According to the regulations of that company, my income enables me to receive 80% as a discount from the value of the treatment. I have been treated where I was supposed to pay 20% out of a 200-dollar bill. However, I have forged my income documents, and so I managed to get a 100% exemption, so I paid nothing. Is what I have done unlawful? And is the 200 dollars that I haven’t paid unlawful money? If it is unlawful, how should I atone that, knowing that uncovering what I have done to the concerned authorities will lead me to prison. Moreover, if that money is illegal, does it mean that Allah won`t answer my prayers?

Shafi'i Fiqh

It is prohibited to Work as a Representative for Commercial Insurers

I graduated from university eight years ago, but up until now I haven`t found a job to earn a living from. I`m married, have two children, and support my sick mother. I opened a small grocery but it didn`t pay off, so I`m overwheighed with debts. I owe people five thousand JDs. Now, I have no source of income. While at university, I was offered a job in life insurance, but refused to take it. Recently, I have been offered a job in life and comprehensive insurance with an insurer stationed  in the United Arab Emirates. This job demands that I bring in as many customers as possible. Is it permissible for me to take it?

Shafi'i Fiqh

Ruling on Network Marketing

We received an offer from a company called Quest and located in Hong Kong to work with them via network marketing. This type of marketing relies on selling a product from the factory to the customer directly without paying any commissions to brokers. The participant works for the company through promoting its products to others. He receives commission against the number of customers he manages to bring. For example, Zaid bought a watch from the company for (500 $) and this is much higher than its market price. Once Zaid bought the watch and paid (10 $) as registration fees, he became an active member of the company. This is prerequisite dictated by the company and he has also to promote its products orally and convince two persons to join the program. Each of these two has to buy company products and they have the right to receive commission for bringing other marketers. Each marketer is supposed to convince two other persons and so on and each member has to buy the watch to become an active member of the company, in addition to paying the registration fees. This way leads to forming a pyramid shape from participants. Moreover, the company stipulates that the right side of the diagram is equal to the left one so as for Zaid to receive commission and this goes for other marketers as well. What is the ruling of Sharia on this?

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