Conventional term life insurance is generally categorized as haram by traditional Islamic scholars because it incorporates elements of financial uncertainty (gharar) and utilizes interest-bearing commercial investments. However, many modern Muslim-minority communities and contemporary jurists permit purchasing conventional term life insurance under strict conditions of darurah (necessity) or hajja (pressing need) to ensure that surviving dependents are not left destitute or financially ruined. Scholars emphasize that this concession applies only when authentic, Sharia-compliant cooperative alternatives are completely unavailable in the region.