Assalam oalaikum,
Some people try to ignore the Riba factor associated with insurance. They believe that the existing insurance system, despite the Riba element, is justified on the grounds of Azzaroorat Taba’al Khatoorat (requirements at the time of calamity), Dafa al-Harj (wiping out the peril), Rafa zarar (combating the loss) and Tahaffuze-jaan-o Maal. Besides these excuses they believe that insurance is legitimate in Islam because the lives and property of Muslims are constantly at risk in places where they are a minority community.
However, this is quite a narrow outlook of some people who do not hesitate to adopt anti-Islamic practices which are prevalent in the society. If Islam does not permit Riba at any cost it means that Riba is harmful for the society by and large. Islam does not propagate narrow and fragmented viewpoints. Instead Islam takes into consideration the welfare of the entire society and mankind. This is the reason why zakat/charity is one of the pillars of Islam. Zakat plays an important role in equitable distribution of wealth in the society and it ensures that the poor and needy are able to make two ends meet. Islam encourages virtues of universal brotherhood rather than filling one’s own coffers.
Riba on the other hand encourages selfishness and it degrades a person’s moral and spiritual nature. It hampers a person’s participation in the society. Riba also destroys the social solidarity and the desire to lend a helping hand to other fellow-beings.
Hence, instead of trying to control things which are in the Hands of Allah (swt), such as our future, we should have Tawakkul in Him and leave all our worries behind.
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amel soname
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