Jane Dotson
Syed Sistani is a Shia Muslim leader who has done much to stabilise Iraq and has appealed to a majority of the world’s tens of millions of Shia Muslims with his indirect model of clerical authority. He has also issued rulings on a range of topics, including insurance. In this article, we will explore Sistani's ruling on life insurance, including whether it is permissible for a Muslim to lie about their driving experience to get a better rate on their insurance premium.
| Characteristics | Values |
|---|---|
| Ruling on life insurance | Approved, but with qualifications |
| Qualifications | Certain insurance products |
| Insurance in the Shariah | Not found |
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What You'll Learn
Lying to get a better insurance rate is not permissible
Sistani's statements on insurance are terse and follow established Islamic opinions on the matter. He approves insurance but subject to qualifications with regard to certain insurance products. He looks upon insurance as a modern development not found in the Shariah.
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Claiming money through duplicity is a sin
Sistani approves of insurance, but with qualifications. He sees it as a modern development that is not found in the Shariah. His statements on insurance are terse and follow established Islamic opinions.
In one instance, Sistani states that lying to claim money through an insurance policy is not permissible. He says that duplicity in this instance is helping to commit a sin.
In another example, Sistani is asked about a Muslim in the West who claims he used to drive in his country for many years and supports his claim with a document. The question is whether the person is allowed to change the fact in his statement to get a preferable rate for his insurance premium. Sistani answers that lying for this purpose is not permissible, nor is it allowed to claim money in this way.
Therefore, it is clear that Sistani considers claiming money through duplicity to be a sin. This is because it involves lying and deceit, which are not permissible in Islam.
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Paying for life insurance is allowed
Sistani's statements on insurance are terse and follow established Islamic opinions on the matter. He approves of insurance but subject to qualifications with regard to certain insurance products. He looks upon insurance as a modern development not found in the Shariah. The economic dimension of insurance is absent in his statements.
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Sistani's statements on insurance are terse
Sistani has stated that if the person who receives life insurance pays money and the insuring company is committed to insuring him against illness or any incidents, there is no problem. However, lying to claim money in this way is not permissible, nor is it allowed to help someone else to do so.
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Sistani approves insurance with qualifications
Sistani has stated that if a person who receives life insurance pays money and the insuring company is committed to insuring them against illness or any incidents, there is no problem. However, lying to receive a preferable rate for an insurance premium is not permissible, nor is it allowed to claim money in this way.
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Frequently asked questions
Sistani approves of insurance but subject to qualifications with regard to certain insurance products.
Sistani looks upon insurance as a modern development not found in the Shariah.
No, lying for the above-mentioned purpose is not permissible, nor is it allowed to claim money in this way.
No, duplicity in this is helping in committing a sin.
If the person who receives life insurance pays money and the insuring company is committed to insure him against illness or any incidents, there is no problem.
