Abdullah Sameer

أَلَا يَعْلَمُ مَنْ خَلَقَ وَهُوَ اللَّطِيفُ الْخَبِيرُ Does He who created not know, while He is the Subtle, the Acquainted? (67:14)

Reflections on Insurance

Islamic Finance Prohibits Interest and Conventional Insurance

At my age of 33, a one million dollar life insurance policy is just $70 a month (20 year term). After 20 years, it would probably be around $300 a month for the next 20 years after that.

So here’s a question. Why wouldn’t I want to do this for my family? Being the primary breadwinner, if I died, it would be a major disaster to my wife and kids. They would have to scramble to find an alternate source of income to pay the bills while having to cope with the loss of their spouse / father.

All these years, I never got life insurance. Infact I told my wife if I ever die, don’t use the life insurance that my company gives you (probably $50k-100k) because its haram. Instead figure out another way to survive

Does this make sense?

I also remember the story of a Somali family in Waterloo that their house burned down, and they had no insurance. SubhanAllah! They were outside the masjid begging for money as they had a big family and no house now (or at least a damaged house).

Why would we want to go through this?

I even remember a Muslim brother who was in Hizbut Tahrir who decided to drive illegally without auto insurance because it was haram.. What a risk he was taking.. Imagine he killed someone?  Infact he actually got into a car accident and somehow managed to hurriedly get car insurance to get out of this mess.

If someone wants to tell me insurance is gambling, I would say that is silly. The reason the bank can afford to give me a 1million dollar policy for just $70 a month is because in all likelihood, I will not die in the next 20 years. It’s based on the math. It works out well for both the buyer and the insurer.   

Does this rule improve the lives of Muslims? I don’t think so.

Abrogations in the Quran

If the Quran is timeless and uncreated, how is it that it can be abrogated.  Does God change his mind?  Why would he need to adjust it on demand and based on the circumstances?  If Allah decided the previous revelations could be corrupted because the final one is coming next, wouldn’t this one be really final, and not adjusted here and there piecemeal?  There is a very troubling story in the hadith literature about the Quran being adjusted on request of a blind man.

The Quran is the uncreated word of God.  It was revealed by Allah in entirety in to lawh-al-mahfood

إِنَّا أَنزَلْنَاهُ فِي لَيْلَةِ الْقَدْرِ
Indeed, We sent the Qur’an down during the Night of Decree. (Quran 97:1)
وَالْكِتَابِ الْمُبِينِ
إِنَّا أَنزَلْنَاهُ فِي لَيْلَةٍ مُّبَارَكَةٍ ۚ إِنَّا كُنَّا مُنذِرِينَ
By the clear Book, Indeed, We sent it down during a blessed night. Indeed, We were to warn [mankind]. (Quran 44:1-3)

Then it was revealed piece by piece to the Prophet Muhammad.

وَقُرْآنًا فَرَقْنَاهُ لِتَقْرَأَهُ عَلَى النَّاسِ عَلَىٰ مُكْثٍ وَنَزَّلْنَاهُ تَنزِيلًا
And [it is] a Qur’an which We have separated [by intervals] that you might recite it to the people over a prolonged period. And We have sent it down progressively. (Quran 17:106)

With this in mind, does it make sense that God decided to cancel out some of the verses or cause them to be forgotten and then replace them with similar other ones?  Or does it make more sense that during the 23 year career of Prophet Muhammad he forgot some of the verses and was called out for it?  Thus the Quran came to his defense that God himself causes some verses to be forgotten and gives him better ones.

مَا نَنسَخْ مِنْ آيَةٍ أَوْ نُنسِهَا نَأْتِ بِخَيْرٍ مِّنْهَا أَوْ مِثْلِهَا ۗ أَلَمْ تَعْلَمْ أَنَّ اللَّهَ عَلَىٰ كُلِّ شَيْءٍ قَدِيرٌ
We do not abrogate a verse or cause it to be forgotten except that We bring forth [one] better than it or similar to it. Do you not know that Allah is over all things competent? (Quran, 2:106)
Here are references from the sunnah where the Quran was changed.  The most freaky example to those with eman is the following story: Zaid was told by Prophet Muhammad to write down a revelation of Allah regarding the believers who stay behind are not equal to those that fight.  Then Amr bin Um Maktum (the same blind man regarding Surah Abasa) asked “what about me..?”.  And then the Prophet told Zaid to cancel the old verse and gave him a different verse that included an exception for blind men who could not fight.  Apparently Allah either forgot about blind men, or needed a suggestion from humans on what to include in his divine eternal revelation?

Narrated Al-Bara:
There was revealed: ‘Not equal are those believers who sit (at home) and those who strive and fight in the Cause of Allah.’ (4.95) The Prophet (ﷺ) said, “Call Zaid for me and let him bring the board, the inkpot and the scapula bone (or the scapula bone and the ink pot).”‘ Then he said, “Write: ‘Not equal are those Believers who sit..”, and at that time `Amr bin Um Maktum, the blind man was sitting behind the Prophet (ﷺ) . He said, “O Allah’s Apostle! What is your order For me (as regards the above Verse) as I am a blind man?” So, instead of the above Verse, the following Verse was revealed: ‘Not equal are those believers who sit (at home) except those who are disabled (by injury or are blind or lame etc.) and those who strive and fight in the cause of Allah.’ (4.95)
Recorded in Bukhari, BukhariNasai, Muslim, Abu Dawud

Or how about the fact that the female companions of Prophet Muhammad felt the Quran was unfair because it kept addressing men, and so Allah decided to reveal a verse talking about women as well?

Take a look at this story as recorded in Ibn Kathir

Sa`id bin Mansur recorded that Salamah, a man from the family of Umm Salamah said, “Umm Salamah said, `O Messenger of Allah! Allah does not mention women in connection with Hijrah (Migration).’ Allah sent down the Ayah,

فَاسْتَجَابَ لَهُمْ رَبُّهُمْ أَنِّى لاَ أُضِيعُ عَمَلَ عَامِلٍ مِّنْكُمْ مِّن ذَكَرٍ أَوْ أُنثَى

(So their Lord accepted of them (their supplication and answered them), “Never will I allow to be lost the work of any of you, be he male or female.)

Yet again we have Allah adjusting what he sends down in response to what people are asking for?

There’s another story in the hadith literature about when Prophet Muhammad scared the people by saying 999 of every 1000 will go to hell.  When he saw their faces change color, he decided to adjust what he said by saying “actually, its Gog and Magog who will be 999, not you guys.”  Then he proceeded to make them very happy by saying they will be half of the people in paradise after just scaring them.  Prophet Muhammad was able to cater and tailor what he said in order to make people follow him.

Narrated Abu Sa`id Al-Khudri:

The Prophet (ﷺ) said, “On the day of Resurrection Allah will say, ‘O Adam!’ Adam will reply, ‘Labbaik our Lord, and Sa`daik ‘ Then there will be a loud call (saying), Allah orders you to take from among your offspring a mission for the (Hell) Fire.’ Adam will say, ‘O Lord! Who are the mission for the (Hell) Fire?’ Allah will say, ‘Out of each thousand, take out 999.’ At that time every pregnant female shall drop her load (have a miscarriage) and a child will have grey hair. And you shall see mankind as in a drunken state, yet not drunk, but severe will be the torment of Allah.” (22.2)

When the Prophet (ﷺ) mentioned this), the people were so distressed (and afraid) that their faces got changed (in color)

Whereupon the Prophet (ﷺ) said, “From Gog and Magog nine-hundred ninety-nine will be taken out and one from you.

You Muslims (compared to the large number of other people) will be like a black hair on the side of a white ox, or a white hair on the side of a black ox, and I hope that you will be onefourth of the people of Paradise.” On that, we said, “Allahu-Akbar!” Then he said, “I hope that you will be) one-third of the people of Paradise.” We again said, “Allahu-Akbar!” Then he said, “(I hope that you will be) one-half of the people of Paradise.” So we said, Allahu Akbar.”

There are even worse examples of the Quran being abrogated:
  • They used to recite a surah the length of Surah Tawba (also known as Surah Baraah) but it was forgotten (Muslim 1050).  One of the verses he remembered is still read today as a hadith that talks about the greed of mankind (Bukhari 6439)
  • Umar mentioned there were verses about stoning that were abrogated (Agreed upon,  Bulugh al-Maram 1050).
  • Aisha also said that there used to be verses about stoning and breastfeeding in the Quran (Ibn Maja 1944)
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