The Office of the Supreme Leader
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Practical Laws of Islam

    • Rules of Taqlīd
    • Rules on Purity
    • Prayer
    • Fasting
    • Khums
    • Jihad
    • Enjoining the Good and Forbidding Evil
    • Ḥarām Gains
    • Chess and Gambling Instruments
    • Music and Ghinā’
    • Dancing
    • Clapping
    • Non-maḥrams’ Pictures and Films
    • Satellite Television Equipment
    • Theatre and Cinema
    • Painting and Sculpture
    • Magic, Conjuring, and Evocation of Spirits and Jinn
    • Hypnosis
    • Lottery
    • Bribery
    • Medical Issues
    • Teaching, Learning and Their Proprieties
    • Copyrights
    • Dealing with non-Muslims
    • Working for Oppressive States
    • Clothing
    • Treating the West
    • Smoking and Narcotics
    • Shaving the Beard
    • Attending Gatherings of Debauchery
    • Writing Supplications and Istikhārah
    • Religious Events
    • Hoarding and Extravagance
    • Buying and Selling
    • Miscellaneous Issues in Business
    • Rules Concerning Ribā
    • Right of Pre-emption
    • Hiring, Renting, and Lease
    • Surety
    • Pawning and Mortgaging
    • Partnership
    • Presents and Gifts
    • Debt and Loan
    • Ṣulḥ
    • Power of Attorney
    • Mustaḥabb Alms
    • Deposits and Loaned Properties
    • Leaving a Will
    • Usurpation
    • Placement under Guardianship and Signs of Maturity
    • Silent Partnership
    • Banking
      • Bank Prizes
      • Working in the Banking Sector
      • Rules of Checks and Bills of Exchange
      • Insurance
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        Insurance
         
        Q1936. What is the view on life insurance policies?
        A: There is no objection to them in shar‘.
         
        Q1937. Is it permissible to use the health insurance cards for people other than the holder’s own family? And is it permissible for the cardholder to put it at the disposal of other people?
        A: It is not permissible to use the health insurance cards by any person who is not covered by the insurance policy. As for others making use of it, this should call for compensation [i.e. they should pay for it].
         
        Q1938. In accordance with the provisions of the life insurance policy, the insurer should pay the beneficiaries — determined by the insured — a sum of money at the event of his death. Should the estate of the deceased not be sufficient to pay off his debts, is it permissible for the creditors to get back their money through the compensation the insurance company would pay?
        A: This is governed by the provisions of the insurance contract. If the agreement was that the company, on the death of the insured, pays the amount to his appointed beneficiary/ies, the paid amount cannot be treated as part of the deceased’s estate. It goes to the appointed beneficiary/ies.
    • State Property
    • Endowments
    • Rules Concerning Graveyards
    • Glossary
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