Zakir Naik is the authority in inter faith dialogue and he is doing excellent job in this field converting non muslim into islam, but he or any one can't be the jack of all trade.Since he is not an expert in the field of finance you cannot ask that question to him. tkaful is the form of islamic insurance but it is functioning like the same as conventional insurance. you cannot simply say it is halal or acceptable in islam.
Insurance is haraaam for reasons other than just that the company that provides it deals with Riba - May Allah guide us - please read this site that has a lot more proof on the matter - https://islamqa.info/en/102969
If we strictly follow the Quran and sunnah, then we don't need insurance. Just read an article about AXA funding the production of weapons for war against Syria. Not sure if that is true but you can google and read up on your own. Also, where does your monthly premium go to? You need to know exactly what they are investing in. Say that the company invests in livestock market like pigs, is that really ok? Or alcohol? Is that ok too? I still feel sinful if I were have any form of insurance because it diminishes although not completely, my reliance on the Provider of sustenance, Allah s.w.t. But like what Zakir Naik said, Islamic insurance based on the law of syariah is ok. Doesn't involve riba. Think of it as helping your brother or sister in Islam should something happens to them. Plus, with the exclusion of riba, you do not get a huge amount of interest. In a way, you are helping the Islamic community as you are actually investing in their businesses. Not other potentially non halal forms of investments.
Saad Zahid the article you mentioned is incorrect. Islam forbids uncertainty, risk and speculation, I agree completely.. BUT it forbids them in matters of earning! There is no uncertainty in insurance. You pay a fixed ammount regardless of any event that occurs. Riba/gambling is forbidden because you lose money based on chance. You don't lose money by chance in insurance. You pay the company for their services, and you can leave anytime unlike in riba which has a vicious cycle of keeping you trapped. Hope that makes sense.
But in the days of the messenger the would torture and kill muslimeen just to not obey the prophet and god but the messenger and his freinds and most of the other muslimeen refused to do so......we r supposed to take leadership from them
@kangsan2014, brother, that is a wrong statement, anything that we think about of doing or do, we should allways think whether it is in the laws of ALLAH or if it is against it, meaning if it is Halal or Haram in islam. if it is Haram, unless our lives are at stake, we should abstain from it, ALLAH is our creator, we should obey his laws and we should follow islam at all times, unless our lives is at stake. in that situation ALLAH has given us permission in the Quran to disobey him.
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