The question "is life insurance haram?" is one of the most searched Islamic finance questions today. Muslims often ask about the permissibility of life insurance, term insurance, selling insurance, and working in the industry. This article explains the Islamic ruling clearly, covering Sunni and Shia views, scholarly reasoning, and modern alternatives like Takaful . Short Islamic Answer: Is Life Insurance Haram? Yes , conventional life insurance is generally considered haram in Islam by the majority of scholars. However: Islamic life insurance (Takaful) is halal There are differences of opinion in specific cases (necessity, laws, lack of alternatives) Why Is Life Insurance Haram in Islam? The ruling is based on Islamic legal principles derived from the Qur'an and the Hadith. The three main