Q: Here, in South Africa, when a person passes away, he has to pay 20% estate duty of his total estate to the government. Many a time, this amount runs into millions and is an extremely exorbitant amount to pay. I was recently advised by a colleague to take out life insurance so that upon my death, the policy payout will cover the estate duty. Please advise if doing this will be permissible.
Q: What kind of thing is life insurance?
Q: I just wanted to know if one can take out life insurance policy? Also if one can take out funeral insurance policy where the family is covered in case of death for funeral expenses?
Q: Is medical aid and hospital plans permissible. In our town we have a government hospital and a private hospital. The government hospital's services to the sick is free and at private hospitals the fees are exorbitant starting at around one hundred thousand. I have never been on medical aid. In the past year I have become sick and now have serious medical conditions. I visited the private doctor recently and he diagnosed that my kidneys are failing. The doctors could not further attend to me or operate as I have no money to pay nor medical aid. They are requesting around seventy thousand rand from me for a start. If I don't do the operation, my kidneys will fail and the result is death. I cannot go to the government hospitals as many people who had operations at these hospitals came out worse than they were before they went in. A friend of mine had leg pains and went to the government hospital and had an operation done. When he came out he walked on crutches till he died and claimed that the hospital destroyed his legs as the government hospitals have young doctors from third world countries. Another friend had a pain in his foot. He also went to the government hospital and they operated on his feet. When he came out he couldn't walk for years as his feet were worse and he could not bend his toes at all. He had to sit on a chair for Salaah. I am worried if I go the same way as they have done, I will be more sick than I am and if I had medical aid then I could have used it to go to private hospitals. Please advise.
Q: Is the income generated from interest based schemes permissible to use for windows who have no other source of income?
Q: Is the income generated from interest based schemes permissible to use for widows who have no other source of income?
Q: I attend pharmacy school in the United States. It's my first year and as you might know I had to take out a loan because of the tuition. The tuition is extremely high so for the loan I had to take it out on a interest rate. I have taken out 2 loans so far both on interest. I am not doing well in my classes and I am on the verge of failing and getting kicked out. I have been fed up with this and I think it's because my tuition involves interest that's why. I want to leave but I do not know what I would after leaving this school and my parents don't understand; they want me stay here but inside I do not want to. What should I do? Please give me advice.
Q: Is it permissible for one to take out a policy to insure one’s house or car? The contract that one signs obligates him to pay monthly premiums in exchange of the payout that he will receive in the event of a burglary or hijacking.
Q: My parents have interest mortgage house. But if one parent dies, does the debt and sin transfer completely to the living parent?
Q: I am a new Muslim and I had a medical insurance which I took before I became a Muslim which I am still paying. I have a medical condition in my heart which recently my insurance had covered the medical expenses when I needed it, since I didn't have any other means to pay for it at that particular time. Is medical insurance haraam?