FatwaNegeri SembilanTransactions & Finance
Status Pampasan Polisi Insurans Konvensional Selepas Kematian Pembeli Polisi
What is the status of conventional insurance policy compensation received by heirs after the policyholder dies?
Short answer
Compensation from a conventional insurance policy received by heirs is treated as non-Shariah-compliant wealth, because conventional insurance conflicts with core Islamic principles.
A reference, not a fatwa. First sentence of the summary below — read the original fatwa and consult your state authority before acting.
- Authority
- Negeri Sembilan Mufti Department
- Status
- Fatwa committee decision
- Series
- Fatwa Negeri Sembilan
- Topic
- Transactions & Finance
No evidence of gazettement in the source — this is not a gazetted fatwa.
Summary
Compensation from a conventional insurance policy received by heirs is treated as non-Shariah-compliant wealth, because conventional insurance conflicts with core Islamic principles. Only the principal amount the policyholder paid during his lifetime counts as part of the estate and is distributed under faraid. The remainder cannot be inherited under faraid and must be disposed of by giving it to the Baitulmal or donating it to charity. Heirs who are poor or needy, such as a wife or children, may take only what they need once verified by the authorities or the local Kariah Committee.
Written in our own words from the original fatwa — check the source before acting on it.
Dalam hal ini, jumlah bayaran pokok pembeli polisi ketika hayat sahaja dikategorikan sebagai harta peninggalan si mati yang perlu diagihkan secara sistem faraid.
Read the full fatwa on the Negeri Sembilan website (new tab)
How to cite
Cite the original fatwa and its authority. Rujuk Fatwa is only where you found it.
Negeri Sembilan Mufti Department. “Status Pampasan Polisi Insurans Konvensional Selepas Kematian Pembeli Polisi”, date not stated. https://muftins.gov.my/fatwa/status-pampasan-polisi-insurans-konvensional-selepas-kematian-pembeli-polisi/. Found via Rujuk Fatwa: https://rujukfatwa.com/en/fatwa/status-of-conventional-insurance-payout-received-by-heirs/