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The fact that insurance companies
D. Sulaiman bin Ibrahim bin Thunayan
Faculty member in the branch of the University of Imam Muhammad bin Saud Islamic University in Qassim,
A professor specializing in insurance.
Few people are those who know the insurance companies for what they are, and learn about Bayaha and secrets. This is because the researchers to several things, including: advertising that appears insurance companies what they are not; as shown by the people as what they like and want and wish it to be, and hide their reality and the reality of her which, if known people may have offended them, and when he responded to them, "says researcher Insurance German Dietrmez. That is, there is something else impressed him the most strange, is surprised leading researchers and baffled, which is: that all people do not care by the insurance for what it is, do not know companies based on it, although bonding him and his corporations, and despite what they pay large sums of money to fund these companies. This phenomenon did not find many researchers have a solution or a reasonable explanation. But in fact Alemtemnin insurance respond to the contents of the complexities of insurance often unintended and his companies surrounding the lack of clarity in the curriculum and behavior in their work and dealings. And also respond to the insurance people are not convinced already, or there is a need to; It has been proven that the exact statistical respondents did not provide a lot of people motivated by the need for insurance and the conviction, but give it wide publicity out of it and motivated by tradition, "says Henze Dietrmir.
Has conducted a survey years in the German cities such as: Frankfurt, Colonia, Munich and Stuttgart omnivorous about what drives people to the insurance company found that nearly 58% of those who face them question have no answer, only saying: well, or like people, or so.
And clear to us the fact that insurance companies, and the nature of thinking and dealing through the following important things:
First: The conditions of insurance companies:
Not for a company in the world past and present what the insurance companies of the conditions of public and private, and hidden phenomenon. But more specifically what is specific to these conditions such arbitrary, forcing every country in the world to impose control on the private insurance companies have to reduce its terms to the citizens.
And conditions of insurance companies varied: some of which are for premium, including one for the amount of insurance, including one for the risk insured against, including the respect of compensation for the incident, including the year, which is shared by all insurance companies, including your company specific, such as the apparent one knows more people , including hidden not only learned of the owners of private experience and practice as it says in his book: (Security Phishing) Bernd Kirchner. The conditions of the leading private insurance provided that the so-called solutions. And go with: to solve the insurance company replace the insured in the claim of others, including causing damage to property insured for its own account, and fall right to the insured in demand caused, and this may take the insurance company from causing more than pay compensation to the insured, and that when the damage is greater of the amount of insurance, but it may take a full-Awad offending and deny the insured from any compensation. It is also not a believer has a right to take more than the amount of compensation for the damage caused to him. Including the fall of the right to claim the amount of insurance in unusual circumstances such as wars, earthquakes, and public disorder. And conditions of insurance companies are all conditions of compliance, which means that the believer has to accept without discussion, and that these conditions protect the insurance companies; where control grip on the insured in attendance to pay the premium, at a time where you place the obstacles without getting the insurance money, he says Henze Dietrmir insurance expert.
Second: The objectives of insurance companies:
Do not care about insurance companies with something comparable to the interest in profit; So we find a strong focus on planning and development of its foundation focused on taking every means to bring profit and avoid loss; regardless of what might cause this means of embarrassments, or opposition to religion, manners, or good behavior. And watched it clear in terms of the implications of abuse and exploitation, especially in the insurance imposed by some States to its citizens. As can be seen that is also evident in its investments to the usury of the premiums collected by without contributing to any charitable project. All of these indicators that it was not her goal in the cooperation and serving the people, but insisted some of its advocates to convince people this, but the investigator is well known objective is profit and get rich quick at the expense of the insured, "says Anton Andreas in his book (the trap of insurance).
Third: The insurance contracts between conjecture and fact:
Many people believe that it has signed a contract with an insurance company against a particular incident has the security of the evil of this incident, and he forgot his worries forever. This is wrong, obscene and poor understanding of the fact that insurance contracts; Decades insurance is not only threatened by arrows naked papers addressed rarely do not get Bohdha. These shares are well-known system of insurance companies, government employees on its own terms, men defenders of their followers, loyal, and decisions, consultants, lawyers, doctors, experts and other specialists in the protection of insurance companies, and revocation of any proceeding against them. Yes! Won over by these companies and purchased receivables article Many of those people in charge of accident investigation and evaluation, and the statement of the point where the law, and their responsibilities and compensation.
It is not something easy on insurance companies to find a reason to invalidate a contract, and decomposition of its obligations; unusual circumstances make it according to its rules in a solution of all their obligations, and increase the risk of the things that invalidate the obligation did not exceed the insured value of the premium. And breach of the condition of the important terms hidden command is considered to have one of the most analyzers. Has been developed so that terms and Ogmtha does not come out fully only a few people, Fender to deliver a believer of them from the evil of these conditions that you find insurance companies where the greatest scope for phishing gaps and decomposition of the obligations.
The point is that insurance companies hold a lot, and do not meet only a little, and says in his book (Security Phishing). As the German insurance expert Anton faces: It is according to the German Federal Statistics Office has been signed in the 1984 work accident million are insured, and did not compensate the insurance companies of which only 2.9% only.
This we see that insurance companies have contracts and conditions that do not adhere to anything, unless it Ragmp, and can force these massive armies of lawyers and clients, judges and other beneficiaries?!.
The effects of insurance in people's lives:
You might think some of the little known fact, insurance, and especially those who hear of listening to the reports of insurance companies from advertising attractive, and read what is published by Pen followers of authors, journalists and others may believe that the insurance of those good, not evil in it. But when it knows the true nature of insurance varies; If the insurance some beauties, Fmsawih overwhelm the impact of all good and I will through the statement of insurance pros and cons, and the balance between the pros and cons of real life.
The positive effects of insurance:
Owners say insurance: The positive aspects of the following matters:
1 - capital formation:
Combines business and money, the greatest reason for the formation of capital the world has known in the ancient and the modern insurance system; that there is nothing imagined in the life of taking insurance only and for securing a share of the multitude and the share of wealth, whether in exchange for souls, money or property or rights or just the hopes and dreams; so that the individual and the community and the state in the modern era devote an item heavily in their annual budgets for the cost of insurance, and preparing for this kit difficult, but that has now been reached that the cost of insurance has postponed some projects; because the insurance does not stop at the end; the extent that produced by gifted owners insurance from the manufacture of the dangers as far as stretching the hand to collect the insurance money. And the insurance companies highly talented in an embodiment of the hazards, and visibility, and proximity of people. Weisser Onderha hazards and even a remote conception of them breathed into it the insurance companies even make it fearsome ghost, which is not correct to ignore it, which should speed up to do what protects it and pay. And this fell on the owners of large amounts of money the insurance and wealth outrageous. The owners say insurance: This wealth of useful people; as they used to invest in public projects beneficial to all, as they say: It is useful to the State; where she corroboration when the economic crisis, and decides that the insurance expert (Henze MER).
2 - preserving the elements of production:
If the factory burned down, or exploded, or destroyed, or disease factor, or died or crash, did not compensate for what it is suited or it may degenerate elements of human and automated production, thereby reducing the production or stop. The owners say insurance: insurance that canned prevent this, do not weaken the factors of production, do not stop; that if the factory burned down or exploded, or destroyed, the insurance companies compensate factory owners to pay the insurance value that canned by the re-building the plant. If it is working satisfactorily addressed, and if the offset crashes, and if the disposal of his family died. And prepare it in good deeds, insurance and one of the positives.
3 - Control in the economic balance:
Suffer from many countries, especially the industrial ones of economic imbalance between supply and demand; may abound money in the hands of people with a lack of goods on the market, Vertbek economy, which is known as the situation of inflation. The goods abound in the markets with a lack of money in the hands of people Vtbor goods, which is known as depression. The economists of both these two economic powers is not healthy.
The men say insurance: It can be insurance to avoid these cases Almdhartin economy; it can in the case of inflation, economic expansion in the insurance compulsory to prevail over many people as possible, especially social insurance, and thus can pull a great deal than in the hands of the people of money, reducing the purchasing power, Wiczn supply and demand. In the case of depressive state can increase the allocation of patients, and the unemployed, and the like, Vtkther money in the hands of the people, increasing purchasing power, and removes the Depression, and consider it one of the advantages of insurance; says expert insurance Paul Press in his book: (the impact of insurance in the economy national).
4 - Risk Prevention:
Like insurance companies in the non-solutions to the calamities and events in the things insured so you do not have to pay the amount of insurance made by, and therefore put pressure on the insured and the stresses on them to Ijtenboa risks and make the effort to maintain the funds insured; owners say insurance that this leads to conservative on the strength of the economy of the country; is one of the advantages of insurance, says Paul said.
5 - increase in credit:
Does not agree with the banks nor the owners of the funds to lend to a people-based loan unless the loan documents this document credit guarantee them their rights, which is known as mortgage. They do not accept these mortgages that were not insured against annihilation and destruction. Therefore, the holders of demanding money from loans Ikarzounam asthmatic documented debts of certain mortgages and other real estate, insurance and also require them to document this credit, even if I am doomed eye encumbered by insurance substitute.
The owners say insurance: The trade that is active and serves the economy; it as they see the advantages of insurance.
6 - broadcast security and peace of mind:
The men of insurance that insurance brings security and peace of mind, comfort and calm for all; the holders of the factories are satisfied to the conduct of their factories and their success, and the owners of money and are confident of the safety of their money, and the owners buying and selling and dealing with goods satisfied to the safety of their goods, as well as businessmen, employees and workers, and others who deal with insurance, all trading and runs quietly and the same security and stability. And promise that the advantages of insurance. (The insurance).
Negative effects of insurance:
Decided by the owners of insight in the fact that insurance insurance pros and cons of large and numerous, and they think of the most serious and Odharha people following things:
First: to fall in the sanctity of God:
There is nothing in this world of sin, man hurt Allah and His Messenger, sin #; so that the impact of this sin does not stop at a sense or meaning; disarmament is the best pool in the world, humiliation and dishonor, and severe punishment in the Hereafter. It is not nothing but a sin as well as God. If the insurance is based on usury and gambling, other than the sanctity of God Almighty, as evidenced by Shari'ah scholars; it is sin to God and His Messenger, #, which underestimate the danger that without any risk.
Second: The economic loss insurance:
The proliferation of so many losers are in the process of group insurance, and the rare few are the category winners; the considerable amount of money individuals and groups, regions and countries should be thrown in the insurance funds in the world without a real reason for this behavior. And everyone losers of these funds without the benefit of a tangible phenomenon, is no exception of those few rare is not something besides the huge number of the insured, this is the rare few are those who have located them, the accident the insured who pay them insurance companies, compensation, and interest them in that However, if the incident exceeds the cost of what they paid the premiums with regard to invest the time if you do not pay a tax in installments, and invested their own until then. And more of them is hardly not mention the incident for the total insured; Valrabhon leave behind the loss of the total in the process of people lack insurance are almost on the fingers of those are the leaders in the insurance world. So Losing the nation's insurance prohibitive, a comprehensive overview, and one of the bitter economic losses suffered by the peoples in the late eras, and most oppressive; the sum insured as a sheep dairy that are not fed only a fraction of the value of the milk; it is loss the obvious clear as the sun in the fourth Whatever the day cover by the beneficiaries of the exploited people's misfortunes. To increase the clarity and convenience in understanding this process of loss-making and developed a mathematical equation presented on a number of Western economists, especially those who were closely related to insurance, could not one of them to return it, or to defend the insurance but he said: (it is a necessity for us), ie, for of the West, to cut the link between them.
According to the operative part of this mathematical equation:
The total amount paid by the insured company's profit = + all expenses + what to be locked to them when the incident.
It is clear from this mathematical equation terrible extent of the loss the Great wished the nation as a result of insurance; is well known that the profits of insurance companies is not matched by profits; so it's sufficient for the establishment of entire countries, and expenses recompense; they include all their tender generous to their managers, and intermediaries, and their employees , and brokers, wholesalers, and receivables from customers who have appreciated the relationship of accidents and their consequences, and the various forms. It also includes all state taxes imposed on it, and luxury rental offices, and various facilities, and the cost of high-rise buildings, broad and their propaganda, and other than the myriad of high costs. Swallowed it all from the pockets of the insured at no charge. As for what return it to the insured in the event of an incident is a fraction is negligible for the profits and expenses. Says insurance expert (Milton Arthur): The proportion of the insured shall be returned to them in life insurance 1.3% of the value of the annuity. And like the insured in the process losing only one who sells his property at a fraction of it. Then that what you pay for insurance companies to the insured of this fraction does not pay but bitterly; where you put obstacles to prevent the exchange; they focus most talented lawyers, and buy the receivables of judges from the legal and lay hidden terms, the complex is hardly safe from evils one.
This is a fact of economic time, insurance, and the hidden reality, should he say the wise know the fact that insurance mentor to the nation that the economic interest of insurance?!
Third: The economy from overheating bleeding money out of the country:
Divided countries in the world for insurance into two categories:
Class exporter of Insurance, and General importer. There is no doubt that winning in this process is exported, and that the losers are imported; so that the source of these goods does not make as good of mankind, but what robs them of their money in the game known in advance of the winner and loser, which is what is known as a game of the wolf with the sheep. The exporting countries to ensure take a lot of it does not respond very little. Those countries that have the major insurance companies, especially the re-insurance companies that pour money in the world all over the world in their basins. The insurance, including reinsurance exhaustion of the world economy, especially from poor countries; where withdrawn by the powerful countries exporting huge amounts of money to secure the wealth of poorer nations which confuse the budget payments.
Fourth: The inability of some projects to do because of the cost of insurance:
Prevent more countries in the world of the establishment of any industrial or commercial, or other than what has not believed in by the owner in advance. The insurance cost is of such magnitude so as to be a heavy burden on such projects, especially small ones; but they prevent its place. This is a fact of insurance in the States in particular. Have been conducted in Egypt, an interview with a number of persons of the owners of the special skills in the trades and industries and the distinctive competencies of those who were able to establish production plants with limited capacity requires the needs of many people and enrich the artistic production, and the question goes about the reason for not staying for such projects, was the answer about 55% of them that the inhibitor is the high expense of construction and private insurance. And declares that about 45% of what prevented only the cost of insurance, he says, some of them: he has created something of that Vojhih insurance and forced him to his arrest. And you hear a lot of the tone reprehensible says: What we know: Do we work to collect a living, or to insurance companies?!
Fifth: The temptation of money destruction of aggression:
Deliberately destroyed some of the insured money insured by fire, or other to get the amount of insurance, especially if the goods are insured in depressed markets, or rolls at the time, or discover the defect. May not destroy, actually, but he puts it, and faking damage by fire or the like so as to match the conditions of entitlement the amount of insurance, and are so tempted to take advantage of the amount of insurance, especially if the person has to pay large sums to the insurance company without the benefit of it, provides this aggression motivated by revenge . These incidents are well known and widespread in the entire country's insurance, which is most feared by insurance companies, and stresses in the investigation of it at the time of the incident and dispose of such loss on the economy of the nation, and without the right of aggression, which is one of the drawbacks of insurance.
Sixth: The accumulation of funds in the hands of a few people:
Known to man since ancient times, the accumulation of funds and collects in the hands of a few people is resulting in many serious evils and Altsultat and the bad, and puts it in the late eras caste system in society. The scholars of social reform that it is not the worst thing the United division of society into classes rich and poor. And that the ill-effects of accumulation of money in the hands of a few people profit from the violence and control over the fate of many, and servitude to serve them unjustly, and guide things in the nation in all its aspects in accordance with their interests. Islam has forbidden the accumulation of money in the hands of a few corrupt on earth and reigns over the people; and insurance of all types is the cornerstone for such a disgraceful overcrowding.
Seventh: The cause of many crimes:
Because of the lure of money and greed to get the amounts of insurance offers a number of the insured of these amounts, or eligible after their owners to commit heinous crimes horrific killings, amputations and behavior reprehensible improper for a lower sense of mercy and compassion and consideration of others: it blows the plane including the in the air, to kill his mother in order to receive secure, and that suffocates his father, and this sinking ship, including where to get insurance the great of his goods, and these irrigate her husband poison then generated to account for the amount of insurance; and this kills his wife for the same purpose, and so chains crimes reprehensible that he does not know the era is the era of insurance.
Although this crime insurance of the worst crimes known to humanity and the most brutal since the dawn of history; that these crimes targeting the most targeted relatives; was knocked out by the researcher (Scheffer max) scientific research carefully arranged the crimes of insurance as appropriated files police intelligence and international studies, and the books setting in the courts of the world and found that it comes in the first degree murder because of the temptation insurance killed the wife to her husband, and is ranked the second killed the husband to his wife, and third place to come kill other relatives of the mother and father and others, in the fourth killing of children by parents, not Foreigners killed but comes in fifth place. It is very surprising that the insurance which is intended to prevent the dangers and the greatest reason for the adjournment of the worst dangers and the most infamous!
It is not evidenced by the fact that (Jack Graham), which is one of the criminals put insurance in the expulsion of the gifts his mother with her on the plane to mine a huge rip Ofaloua his mother, and destroyed the plane including the in the air. And (Elfriede Tltman) killed her husband by poison, and then her son for the disposal of them unique to the amount of insurance beyond. And (Geoffiani us Rowley) killed his wife deception evil killers. And (Julian Harvey) was shot and killed all those who were on the back of one of the ships, including his wife, and then sank the vessel in order to get his wife to secure huge. Stories and the stories of almost unbelievable not. This is a fact of insurance.
Eighth: The Abolition of the rights of others:
Insurance companies use large numbers of the most famous lawyers in the world to assume the defense of the right or wrong to invalidate the arguments of opponents of the insured, it does not stop at this point, but it woo doctors with money decisions, and judges of courts of all legal effect in the incident report. They do so to find a loophole out of her responsibility, will decay from the payment of amounts owed by insurance insured against accident occurred. And easier to find gaps, especially with complex conditions that are difficult to hidden knowledge by many people, as well as bringing her in the manner required.
IX: corrupting receivables:
Of the conditions of the insurance companies the requirement to say: «It is not entitled to the insured, which is located with other incident has to admit his mistake to the other no matter how wrong, but the company is innocent of any obligations to pay dues consequences of the accident. Not only that but he has to deny his mistake, even before the court, even if it's wrong is not likely denial.
In this condition the insurance system pays dealers to him lying and corrupting of receivables, and fill the courts, the issues that occupied a lifetime, but does not end solutions to unfairly get the insurance companies insured the funds unlawfully without having to pay them the corresponding compensation Andalohaddat ».
Tenth: the loss of the individual to maintain the property:
Cause the insurance in the incidence of many of the negligence of the insured who do not care do not maintain their property and possessions Kmhafezthm their money is insured, it may even lead them to the desire to limit damage to some of the objects insured in the amount of hope, which has secured more than their value. The lack of care and left to maintain the property and money against the dangers of members of the community a great loss to the nation; because the force of maintaining the individual can not offset the power of any other province, no matter how. And loss resulting from the neglect is not harmful to the individual alone, nor the group, not substitutes for the company alone, but extends beyond to include the strength of it; where harm the whole economy of the nation; the nation's economy because the economy is the sum of its members. Accordingly, the indifference and failure to leave the security of individual tight on money and property insurance due to erosion of the greatest security and safety reasons, and the temptation of committing crimes and robbery, embezzlement, and disruption to the instinct of protection that God created the human person.
Atheist Twelve: scare people and mislead them:
If the cause and origin that push people to take insurance is the fear of the unknown future, and lack of confidence in the face of the events themselves; the insurance companies had taken advantage of this motivation exploitation of the worst, Fjsmt them risks, and great in their eyes the events, and is surrounded with life colors of surprises and expectations is not good , and brought people to the inability of an individual or group on the face of this future gloomy themselves, but that has now been reached by that scared the States themselves, and decorated it and the people resort to insurance companies that made them are only capable of coping with these things the bone, and to address in order to spare people disaster damage and disadvantages of events; because even if they were called the insurance companies but they frighten people and Trabhm and destroy their self-confidence first, then call them second to secure themselves against what frightened him; and this is based and the first principle of its advertising policy, which is the principle of deceived and deceiving is not approved by the religion, no the mind or the creation (Kirchner, Heinz Müller, cable).
XII: rob people the ability to cope with life:
Lead people slumped in the arms of insurance, and escaping from the responsibilities of life to deny them the ability to meet the minimum risk and carry less surprises, and all life and the responsibilities of all surprises. And who can believe in himself against all the dangers and volatility? Then what is the taste of life and where to traumatized those who do not Issadamha and enduring, and vividly engaged himself? And where to satisfy the instinct to love and overcome the victory that God created in man? But it's not just deprived of the satisfaction of the instincts and the achievement of pleasures, but it is bearing the risk of loss of life already; especially in this era of urbanization and complicated family lives, and was dominated by the evil for good.
XIII: loss of links and the disintegration of society:
Human needs in his life to others, especially to his relatives and his family. And much of this need as a solution of indigence, or a disaster occurred, or fear. So has prevailed ever since the early times of convolution and the coalition, and carried, including cooperation and Altnasser and relief to the destitute and the needy, and formed so family ties, and the interdependence of society, and the intimacy and love between all people, was the family, which is the family unit and the nucleus of society, a strong coherent do not vibrate, as well as society. And what happened to ruin families and began to disintegrate in the community who came to insurance to replace the family and compensate people for lost, and enrich the individual as they claim, for others, but resorted to in each order were Irgeonh of the family, laying waste to the family, the destruction of a building society, has not compensated for the insurance people for the loss , but to make matters worse, cutting off the rest of the links, distanced between people and their families, everyone stood alone far cut off, not his ashes in particular.
Balance between the pros and cons of the reality of life:
The balance between the negatives and positives in the three important aspects, namely: the religious side, and the social, economic and shows us the huge difference between good and bad insurance:
A - the religious side:
I did not see the scholars who said: "The Insurance Pros in religion. The disadvantages in this aspect, the scholars said Aggressor saying in a Muslim country: the insurance of all types is haraam; because it can only be based on usury, gambling, and ambiguity, and so on, as shown in the position. If it were not for the insurance pros in religion, and the scholars said that it is haraam, there is no room for balancing the pros and cons in this aspect.
B - the social aspect:
If some owners insurance are considered positive aspects to achieve security and confidence in the community, as mentioned above; If we accept them, so presumably the shed a small group of wealthy insurance in the community and the governed, and the spread of crime insurance, and the corruption of receivables people, and eat people's wealth unjustly, and to spread the fear of the future, and the looting of people the ability to face life on their own, and killed the family ties, and the disintegration of the society transactions of insurance required on this case is achieved.
C - the economic side:
They say: One of the advantages of insurance it helps capital formation, and preserving the elements of production, and control in the economic balance, and promise of the disadvantages that the economic loss occurred in the peoples of later times, and the exhaustion of the national economy bleeding the country's wealth abroad, and prevents the establishment of industries and projects , which is tempting the destruction of the funds aggression, and the accumulation of money for the poor in the hands of a few rich, and the loss of the province of individual property. Thus it is clear the tyranny of the negatives to the positives, and the rush of action preserving the elements of production which aspects of its name and reputation is greater than reality, and can be replaced by the insurance of self, which is to allocate the project owner or the like sum of money, which is called up the incidents, and invests the reserve, has this work in some factories, the U.S. and Europe fought back a great success, and provided large sums of money were to go to them in vain in the insurance funds.
At the end of this article is on record in this poll, public opinion, which I have done in Egypt, Germany, Europe and America, and the result was as follows:
Approximately 55% after education and awareness for some groups of them say: The good outweighs the evil of insurance.
And 25% say: It is an evil no good.
And 15% say: The finest equals evil.
And only 5% are the ones who predominated in good to evil.
Source Journal of the statement
