Who is required to borrow (life insurance)

I work in a company without giving housing loan at usurious interest, but require that the employee life insurance in order to take the company right from the insurance company in the event of the death of the employee prior to the payment of the loan.
Is this loan halaal or haraam? May Allah Ovetona good.

Praise be to God

Take the good loans that are not legitimate and their Lord: permissible, but may not be linked to conditions that are illegal, and what is stated in the question, which is disturbing to say the passport requirement is the company to ensure that the borrower for his life, and there is no doubt that the insurance life - indeed, all kinds of insurance - which is forbidden contract facilitator.

Sheikh Abdul Aziz bin Baz - may Allah have mercy on him: --

Life insurance and property: can not be legally forbidden; for the Gharar of usury and, deprived of God mean that all transactions and transactions in which Gharar the mercy of the nation and to protect them than it would harm her, he said, the Almighty God: (God and the lawful sale and the campus of usury), for access The Messenger of Allah may Allah bless him and forbade the sale of gharar, and reconcile with God.

"Islamic fatwas" (3-5).

Thus: it may participate in the program of housing loans, which require the company to ensure that the beneficiary on his life.

(And fear of God makes a way out. And for him to get out of where it is looking to God, it is calculated that God has made him very Allah much everything) Divorce / 2, 3, (and fear of God makes it easier to order) Divorce / 4, and "left nothing to God's good offset it."

And Allaah knows best.

"Gulf" first-called services, life insurance law,

Dar Gulf, UAE

First Gulf Bank announced the launch of a wide range of products and services, life insurance and savings schemes. In this regard, Mfazl Kgiji, head of the private wealth of the First Gulf Bank: "We strive to provide our customers by consistent with the actual needs. Through this new initiative, we offer our customers the opportunity to achieve financial stability in critical situations, and protect the future of the financial burden. "

These products include life insurance programs to ensure that the financial protection, particularly in the event of illness, disability and loss of employment. Kgiji added: "our products and services reflect the new confidence and credibility that customers usually obtained from First Gulf Bank, said that our name is synonymous with banking solutions with the highest international quality. We have designed this solution is designed to keep pace with the needs of the growing insurance market in the United Arab Emirates. "

Provision of health insurance

Is it permissible to believe the person is on his health by paying an annual subscription to a health insurance company is in turn cover the expenses of treatment as needed for health, to treatment, the treatment expenses may amount to more than the amount of the contribution paid by the person on a yearly basis?

Answer

Commercial life insurance or other goods or different than the views of contemporary scholars, have tended to the opinion of the Committee on the likelihood that the permissibility of insurance of all kinds, other than life insurance, where the Commission did not consider legalizing it, and stipulated for the legalization of non-life insurance to be within the limits of compensation actual damage, and not for good grapes, and, since the company was responsible for treatment includes insurance and life insurance, the Committee is of the opinion dealing with the legalization of the company in matters of their own without treatment and death, whether ordinary or accident.
And Allaah knows best.

Dinner life insurance

In many non-Islamic countries are keen for their large number of insurance on their lives in the Sudan, but we do not do so on the conviction that the living God and God as flat Hnka Diao and vision insurance, life, where nothing condemning the view of many of the public, but the inviolability of the call to us by the insurance company Shaikan a few days ago and that most of Baja editors and leaders of journalism, and drafters of the page size of the economic dialogue was important about the experience initiated by Shaikan company said its Director General Professor Ibrahim Othman Hadi they invoked the legitimacy of the opinions Jost life insurance and was a professor editor-in-chief Mahjoub Erwa Sudanese had been made his remarks on the formation of an advisory committee says it has been fixed and there is no non-members of our country ... Important that the life insurance Shaikan project launched during the call telling us a lot longer in the back after a meeting of editors of newspapers were found to have left the printing presses and the breeze of dawn «Hbhbn» company wants to be present among the people, the project benefits and proceeds to set out many of the participants, said its director, but that such this work and need to talk about the biggest media effort and the participation of scientists to speak and demonstrate to the wider benefits both to the subject and how to subscribe to the service ... and thanks to Shaikan they have chosen to start such a meeting, leaders of journalism and should not fail as long as the benefits of the project, such as those mentioned Pacific must be the use of different templates for the delivery of the idea and persuade the people of legitimacy through the opinions of scientists ... and an invitation to the wall in the administration's insistence Shaikan competent journalists to attend the meeting of the degree to which we are accepted by the large number of contacts imagine all communication is one of the phones, making the audience Shaikan great enrichment this urgency, and we take on the meeting, which was written on a background of a deliberative forum that turned into a news conference stressed on the podium to ask any question and the means to make one of the editors except Erwa intervention and were reluctant to just listen, hoping to exceed Shaikan such meetings in the next calls Qamat large Tvakr, not until there is no question they hear themselves talk or in the inventory of one question only
Finally,
Othman Hadi I liked the arrangement of ideas and enthusiasm to the project, which needs considerable work to become the size of the company's desire Shaikan Thank you for the invitation to the best advantage of the Pacific in terms of covering us in various areas of work and many achievements we knew we did not know in the areas of medical insurance, agricultural and other

Life insurance

Introduction:


When the need to protect valuable property, the facilities to secure the services that make life easier and more accessible, most people believe that they have adequate insurance on the valuable property, but there are very few homes properly insured against fire, theft and damage caused by storms and simply, in the Sometimes, while going through the years, people forget that the level of insurance Guetahm no longer keep pace with changing conditions or the rate of inflation, however, the vast quantity of available insurance programs, it is difficult to know what is most appropriate for them, including determining the level of insurance coverage that meets their needs as we can here to make life easier and more accessible facilities for all customers of Bahrain, we offer you advice and provide clear and useful to you time and gives you the facts you need and whether you want to arrange insurance for the first time, or add more features to your insurance policy or reviewing your current insurance in full, you can get all the advice you need free of charge and without any commitment from your side, in the facilities of the Counseling Center of insurance, which is located in the headquarters of the facilities of Bahrain Isa Town. This report on the various types of insurance for your home and property in addition to a brief presentation of other types of insurance.

Width:


* Life insurance:
That a life insurance provides protection for your family from suffering any financial hardship in addition to psychological suffering in the event of any harm to you, as the document provided to pay the remainder of the loan and document life insurance is a prerequisite in the case of mortgage loans and other secured loans, which constitute a significant financial commitments , where the lender is eager to take care of the interests of his client Kmutirh all clients auto loans and personal loan facilities in Bahrain for the cover of free life insurance for the duration of the loan.




(1) * home insurance:
The aim of the insurance on homes is to provide protection for the installation of the structure of your home against various types of disasters - from the explosion or storm water pipes to fire or collision resulting from one of the vehicles and if you have a real estate loan on your home, you will require adequate insurance coverage.

* Home contents insurance:
That the contents insurance policy provides protection for the household personal property against damage that may cause emergency or fire, theft, always remember that you need to make Guetaik insurance in line with your increasing over the years - the new imaging machine or a piece of precious jewelry, or even furniture can be means all you need to cover only the additional perception of the extent of the damage that can be inflicted on your child or a pet Bothazq new
And inflation can affect the cost of replacement as well, so you should re-evaluate the Guetaik insurance at least every three years, there are two types of insurance manipulated thief is usually at the state Saik for insurance coverage on household effects are compensation cover and replace the cover.

* Fire insurance:
It is essential that the insurance be fully equipped to meet the optimal Baanjatkm although one of the most popular types of insurance protection and widespread is the fire insurance in the following summary of cover:
(1) fire and lightning and an explosion of gas cylinders or boilers.
(2) theft.
(3), wind storms, floods, leakage or overflow of water tanks or water pipes, the collision with the property on the highway and the damage caused by cars or horses or cattle or aircraft
Riots and public disturbances and acts of vandalism (with an additional premium).




(2) * Compensation cover:
This type of insurance does not give you a new instead of the old compensation for your property, but the insurance company repair or replacement of parts damaged or stolen Moreover, the insurance company takes into account the amount of consumption when the insured is compensated in this case, you'll find a large difference between the amount of compensation and the current price for the purchase of an alternative.

* Cover the replacement:
This type of insurance, as its name suggests, gives you a new instead of old and this means that you will receive the full value of the repair, or the current market value for the purchase of stolen or thing, which was completely destroyed and the insurance cover is obtained by clients of the facilities.

* Auto insurance:
By law, all motor vehicles traveling on public roads must be secured by appropriate insurance must also be a certificate of insurance with you always and at all times to provide proof of insurance coverage necessary to ensure the work is not advised to less than the required value, as the insurance companies had refused to settle this type of claims. If, however, obtained a loan to buy a car, you will be required to document and comprehensive insurance, a kind of security to the lender, which is a joint owner with you throughout the duration of the loan.

There are three different types of insurance covers:

* The third party only:
This is the minimum insurance cover is essential and this includes liability cover for all licensed drivers Balsyakp, towards the other person or other persons (and they know the third party) in the event of an accident resulting in a third-party injury or death in addition to the damage to his vehicle and his property does not include cover injuries suffered by the insured person himself, and does not include damage to the private car.



(3) * Third party insurance cover against fire and theft:
This cover extends the basic insurance coverage to include the above-mentioned damage to Bseartk as a result of fire, lightning or explosion, theft or attempted theft, there is usually one of the mandatory restrictions, which means that it requires you pay the first part of any claim.

* Comprehensive Insurance:
This provides cover for more insurance coverage to cover damage to the emergency Bseartk usually involves the theft of personal property from your car, and there may be other benefits such as insurance coverage for medical expenses, insurance coverage for personal accidents to your wife and the availability of some of the more insurance coverage against damage to emergency situations such as young drivers and those with little experience. And this is usually the preferred option for new car insurance, where the expensive replacement of the vehicle in some cases, you can pledge to pay a higher amount for the first part of any claim (a so-called "voluntary as well") which would reduce the reimbursement of the premium.



* Conclusion:


Insurance is essential to its existence must be to ensure that every human being on the property, including his personal life, which includes several aspects, including insurance on the house and its contents from the fire because it is the most important means to preserve life, as well as insurance on the car because they are considered at the present time the means to reach the end .
In conclusion, one must take advantage of the insurance services provided by a country that desperately need to preserve the life of any damage that might be facing.

Iraq: the provision of life insurance and protection of the university professors

The Iraqi Ministry of Finance to provide life insurance to university professors after the increasing number of them leaving the country due to the ongoing violence. This initiative also includes the provision of personal security guards of the university teachers.

On this issue, explained Marwan Imad, Information Officer, Ministry of Finance that "the targeting of teachers on a daily basis, which is pushing them to flee the country, creating a major gap in the educational system. Therefore, the ministry decided to provide them with a system of life insurance and the security guards of their own choosing."

The backbone of that system "would give the teacher a special budget for the hiring of security guards from private companies who will protect them. In the event of any harm they would get their families to sufficient funds to meet the needs."

According to the official, this initiative aims to protect teachers and university educators to convince those who left Iraq in fear for their lives to return to the country and to continue teaching at universities.

The Ministry of Higher Education has expressed its deep concern at the result of leaving the most qualified professors in the country.

The targeting of teachers''who are daily pushing them to flee the country, creating a major gap in the educational system. Therefore, the ministry decided to provide them with a system of life insurance and the security guards of their own choosing''
As explained Ahmed, Abdul Bari, a senior official of the Ministry of Education, that "in addition to the growing sectarian violence, the majority of professors have left the country. We rely only on the few remaining, including the new graduates, so we face a critical situation now is getting worse when Lectures begin in the month of September. "

According to the Ministry of Education that the insurance company of the Government will give teachers "to ensure a comprehensive," but it did not specify the amount of the award decision. A statement issued by the Ministry of Finance last week that "The purpose of this policy is to contribute to avert the threat of military operations and ease the impact on Iraqi families," . Although it is difficult to obtain accurate figures in this regard, it could be argued as Abdelbari that more than 240 university professors have been killed since the start of the US-led forces in Iraq to the U.S. in 2003 and left the country, thousands of them abroad.

The violence in the country have been exacerbated to the extent that the government allowed for the month of May 2005 for the doctors to carry arms to defend themselves.

Said Dr. Rafed Mohammed, a professor in the Faculty of Medicine at the University of Baghdad: "The life insurance is good for us that in the event of any harm, our families are protected. This noble initiative and I believe it will contribute to the return of qualified nationals to the country."

Forum Arabic in Damascus to discuss the insurance implications of the global crisis

Damascus: Events that began on Sunday, the fourth forum organized by the insurance of the Syrian insurance companies in collaboration with the Arab public to ensure the participation of 500 of the personal and domestic insurance companies and the Arab world.

The Forum will discuss the two effects of the crisis and its implications for the global insurance and reinsurance sector and the current reality of the global insurance market and the role of Arab and regulatory bodies in the light of the crisis.

The participating delegations as contained in the Qatar News Agency "Qena" official figures, executives and heads of the Governing Council of the insurance companies, reinsurance intermediaries and insurance agents from Qatar, Britain, Switzerland, France, Russia, Germany, Tunisia, Bahrain and the UAE, Saudi Arabia, Egypt, Jordan, Lebanon, Kuwait, Oman, Iraq, Libya, Sudan and Yemen in addition to Syria.