Kindly advise if it is permissible for a wealthy person whose wealth is known to others to take out insurance that will pay his ransom in the event of

Answer

Taking out insurance as cover for possible future kidnapping is an aggravated haraam act. Insurance is haraam. The evil is aggravated by diverting the focus away, far away from Allah Ta'ala. For the future and for the present one should make dua for aafiyat and repose trust on Allah Ta'ala.

Tawakkul is not a joke. It is not an abstract issue. It is Waajib for every Muslim to cultivate Tawakkul. The greater the kufr attitude in a person, the greater will be the degree of elimination of Tawakkul. Remember and understand well that whatever happens is by the decree of Allah Azza Wa Jal. The Qur'aan Majeed states this fact in numerous aayaat. One such Aayat states: "Not a leaf drops (from a tree), but He is aware." It is only by the direct intervention of Allah Azza Wa Jal that even a leaf changes direction in a breeze, and falls when its appointed second of Maut is decreed.

Allah Ta'ala has His Own ways of extracting from the wealthy people their haraam wealth, and leaving them with only the amount which He has decreed for them in their Taqdeer. The need is not haraam insurance and the adoption of a kufr attitude. The imperative need is to focus more on Allah Ta'ala, to purify one's wealth, to increase Sadqah and to make Dua for aafiyat.