Muslims can purchase life insurance if the policy adheres to Sharia-compliant frameworks, such as Takaful (Islamic cooperative insurance), where participants pool resources as mutual donations to help those struck by tragedy rather than engaging in speculative commercial contracts. Purchasing conventional commercial life insurance is generally prohibited by traditional scholars due to interest and gambling elements, unless an individual lives under legal mandates requiring specific coverage or faces extreme, unavoidable professional necessity where alternative halal mechanisms are entirely absent.