In the name of Allah, Most Gracious, Most Merciful.
“And those who are taken in death among you and leave wives behind – for their wives is a bequest: maintenance for one year without turning [them] out. But if they leave [of their own accord], then there is no blame upon you for what they do with themselves in an acceptable way. And Allah is Exalted in Might and Wise.” (Sura Bakara 2:240; translation: Sahih international)
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Muslim Funeral Insurance:
The expenses of preparing the dead, like the fees for the person who digs the grave, the fees of washing the dead, and the price of the coffin and the like, should all be paid from the money of the dead, in principle, and if he has no money, then it is those who were obligated to spend on him who should provide the above. If there is none, then it is Bayt-ul-Maal (the public treasury of the Muslims) that should spend on this, and if there is no Bayt-ul-Maal, then it is the Muslims who are present around him (at the time of death) or who heard of him who should provide this.
Shariah about this program:
Al-Buhooti from the Hanbali School of jurisprudence said:
“The expenses of the dead should be spent from his money [inheritance] according to reasonable grounds, and if the dead has no money, like if he did not leave any money, or that his money was lost before preparing him for his funeral, then it is those who were obligated to spend on him who should spend on his funeral, because they were obligated to spend on him during his life, and the same applies after his death.”
On the other hand, it is permissible to set up a fund for the funerals in order to pay for the expenses of preparing the dead for burial especially in non-Muslim countries.
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