FatwaFederal TerritoriesInheritance, Wills & Gifts
AL-KAFI #427 : ADAKAH PAMPASAN INSURANS ATAU TAKAFUL TERMASUK DALAM HARTA PUSAKA?
Is insurance compensation or takaful benefit part of the deceased's estate, and is recommending a hibah package in place of a will contrary to Shariah?
Short answer
Insurance compensation or takaful benefits are not part of the deceased's estate.
A reference, not a fatwa. First sentence of the summary below — read the original fatwa and consult your state authority before acting.
- Authority
- Federal Territories Mufti Office
- Date
- Status
- Opinion (irsyad)
- Series
- Al-Kafi li al-Fatawi
- Topic
- Inheritance, Wills & Gifts
No evidence of gazettement in the source — this is not a gazetted fatwa.
Summary
Insurance compensation or takaful benefits are not part of the deceased's estate. The Shariah Advisory Council of Bank Negara Malaysia, at its 52nd meeting on 2 August 2005, resolved that the concept of statutory protection may be applied in takaful, so the benefits paid do not form part of the estate and are not subject to the debts of the deceased participant. Recommending a hibah package instead of a will is not prohibited, as it uses an instrument permitted in Islam, especially where there is a benefit such as avoiding frozen accounts.
Written in our own words from the original fatwa — check the source before acting on it.
Pampasan insurans atau manfaat takaful tidak termasuk di dalam kategori harta pusaka.
Read the full fatwa on the Federal Territories website (new tab)
How to cite
Cite the original fatwa and its authority. Rujuk Fatwa is only where you found it.
Federal Territories Mufti Office. “AL-KAFI #427 : ADAKAH PAMPASAN INSURANS ATAU TAKAFUL TERMASUK DALAM HARTA PUSAKA?”, 4 November 2016. https://muftiwp.gov.my/ms/artikel/al-kafi-li-al-fatawi/1324-al-kafi-427-adakah-pampasan-insurans-atau-takaful-termasuk-dalam-harta-pusaka. Found via Rujuk Fatwa: https://rujukfatwa.com/en/fatwa/insurance-takaful-benefit-part-of-estate/