What is the ruling on working in an insurance company as a broker between companies that insure their employees with mandatory Takaful insurance, and receiving a commission from the insurance company on the contracts that are concluded, and is the money earned from this brokerage unlawful?
Working in traditional commercial insurance companies is Haram (forbidden) under Sharia law because it is an indication of what is unlawful and a form of cooperation in sin. The commission earned from this work is ill-gotten gain (suht) and is not purified by giving charity from it or distributing it to relatives, because good deeds do not justify unlawful means. Furthermore, the salary from this job is not an inheritance to be distributed among heirs; rather, it is the property of the worker. In addition, the entitlement to commission as long as the contract is valid between the insurer and the insured involves gharar (uncertainty) in the wage. Therefore, the questioner must leave her work as a broker in commercial insurance companies. She is permitted to work in cooperative insurance, provided that the employment contract is corrected so that the wage is known and free from uncertainty.
Summarized from the full answer at Ftawy · reviewed Sep 2, 2026
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