REVISITING LIFE INSURANCE IN ISLAMIC LAW

Yıl 2016, Cilt: 3 Sayı: 2, 39 - 62, 22.08.2016

K. M. Zakir Hossain Shalım

Öz

Life insurance can provide individuals with an important financial planning tool through which they can obtain financial security for their families and businesses as the prime objective of life insurance is undertaking a responsibility towards safeguarding widows, orphans and other dependents of the deceased (assured / policyholder) from unexpected future material risks. However, it is not surprising that until now throughout the Muslim world the burning question of the day is whether life insurance is permissible or not? Indeed, a heated controversy has been raging over this problem, and Muslim jurists are divided into two groups on this issue. Some hold it permissible with certain conditions that should be imposed on it; and others reject it without considering any condition for its permissibility.  Interestingly, both groups have supported their views, according to their understanding of the proofs and sources of Islamic law, which have created much confusion in the Muslim world. Hence, this article intends to re-examine the concept of life insurance and different views of Muslim jurists on this issue, in order to determine the preferable view in this regard.

Keywords: Revisiting, life insurance, Islamic law

İSLAM HUKUKUNDA HAYAT SİGORTASINA YENİDEN BAKIŞ

Öz

Hayat sigortası kişilerin aileleri ve ticaretleri için finansal güvenliklerini temin edebilecekleri önemli bir finansal planlama aracıdır. Hayat sigortasının temel hedefi, gelecekteki beklenmeyen maddi risklere karşı dulllar, yetimler ve vefat edenin geride bıraktığı diğer bakıma muhtaç kişilerin güvenliğini sağlamaktır. Fakat, sürpriz olmamakla beraber bugüne kadar müslüman alemindeki can yakıcı soru hayat sigortasının meşru olup olmadığıdır? Gerçekten de tartışma artmakta ve müslüman hukukçular bu meselede ikiye ayrılmış durumdadır. Bir kısmı bazı şartlar dahilinde ve onların uygulanmasıyla onu meşru görmekte, diğerleri ise hiçbir şartın meşru kılamıyacağından onu tamamen reddetmektedirler. İlginçtir ki her iki grup, kendi görüşünü İslam hukukunun kaynakları ve delilleriyle müdafaa etmekte ve bu durum İslam dünyasında karmaşaya yol açmaktadır. Dolayısıyla, bu makale konuyu ele almakta ve her iki grubun görüşlerini tahlil ederek tercihe şayan olan görüşü ortaya çıkarmayı amaçlamaktadır.

Anahtar kelimeler: yeniden ele almak, hayat sigortası, İslam hukuku 

Anahtar Kelimeler

yeniden ele almak, hayat sigortası, İslam hukuku

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