A Funeral Plan from Clicks

4 Jun 2012 · 14 Rajab 1433 AH1 min readEnglish

Question

I received, from Clicks, a funeral plan that pays my dependents 10% of the amount I spent in Clicks for the last 6 months before my death. There are no monthly payments or any deposits. Is this halaal or is it a kind of insurance?

Answer

If the amount they are willing to give your dependents is not in lieu of any monetary payment, instead it is a gift from their side, it will be permissible.

References (Arabic / Urdu sources)

كتاب الهبة وجه المناسبة ظاهر ( هي ) لغة التفضيل على الغير ولو غير مال وشرعا ( تمليك العين مجانا ) أي بلا عوض (الدر المختار 5/687)

الَّذِينَ يَأْكُلُونَ الرِّبَا لَا يَقُومُونَ إِلَّا كَمَا يَقُومُ الَّذِي يَتَخَبَّطُهُ الشَّيْطَانُ مِنَ الْمَسِّ ذَٰلِكَ بِأَنَّهُمْ قَالُوا إِنَّمَا الْبَيْعُ مِثْلُ الرِّبَا وَأَحَلَّ اللَّـهُ الْبَيْعَ وَحَرَّمَ الرِّبَا فَمَن جَاءَهُ مَوْعِظَةٌ مِّن رَّبِّهِ فَانتَهَىٰ فَلَهُ مَا سَلَفَ وَأَمْرُهُ إِلَى اللَّـهِ وَمَنْ عَادَ فَأُولَـٰئِكَ أَصْحَابُ النَّارِ هُمْ فِيهَا خَالِدُونَ ﴿البقرة: ٢٧٥﴾

Answered by: Mufti Zakaria Makada
Checked & approved by: Mufti Ebrahim Salejee (Isipingo Beach)

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Source: Mufti Online — Madrasah Ta'leemuddeen — https://muftionline.co.za/node/486
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