Another major problem is that most of the literature on insurance or on any other burning Islamic issue like Islamic Political system or Islamic Banking, etc. is full of the recommendations of “IFs, BUTs, CANs and SHOULDs“.
There are a number of books available on insurance. None guides a common Indian Muslim to get a one word answer. The author drives the reader to a dead end and concludes on more confusion.

Almost all the books present an Islamic model of insurance but there is no practical answer to the question like where does it exist? Has it ever existed anywhere in the history? Is it practically possible for somebody to establish in India? Will the people support this? If it meets the same end of Al Falah, Charminar Bank, BCCI, Markaz investment, Al Meezan, etc. will the Government come forward and help the losers? Such questions are not answered, neither are answerable. Therefore, the authors present only a “IFs, BUTs, CANs and SHOULDs” philosophy and leave the readers in more confusing arguments.

There is no doubt that the book of Dr. M. Najatullah Siddiqui is a great research work which helps Ulema as well as common men to remove the misconceptions about the insurance like Riba, gambling, etc., but on the other hand, on the question of Indian Muslims, it leads again to a dead end. The whole book becomes just an imaginary speculation. The author ends abruptly on the same questions which were in the mind of the reader before reading the book in anticipation of an answer. Due to the split opinion of the Ulema, he, perhaps decides to remain non-aligned and uncontroversial and ends up vaguely by putting questions to the readers, instead of answering by himself. A common reader, who is anxious to get a one word answer, gets more confused. He cannot go and establish a new insurance company based on the recommendations of Ifs, Buts, Cans and Shoulds. He wants to know that there are only LIC, Birla, Tata, Aviva, ICICI, HDFC, etc. available, and where shall he go? He says on page 72 to 74:

Our aim of writing this book was to plan an insurance system in an Islamic society where people try to live the whole life according to the Islamic instructions utilizing all modern resources of the knowledge.
It is not our subject to discuss how the Muslims can utilise the insurance in a mixed society of India. Nevertheless, this book will help to resolve many misunderstandings like “it is gambling”, “it is permissible only in exceptional cases” etc.

We want to put forth a few questions to the thinkers of Indian Muslim’s insurance. In the light of a clear answer only, we can establish an opinion:

1. Can India be convinced to establish an interest free banking system and interest free economic system so that an Indian Muslim can apply all those insurance policies which are interest free and free from gambling etc.?
(Does he not know the answer? In fact, none else can answer this question better than him)

2. Is it possible that the Indian Muslims can establish their own insurance system in a mixed society of India?
(The author himself, being a scholar, reformer, and well known religious authority, knows the answer better than an ordinary reader)

3. If the answer is ‘no’ to the above two questions, what will be the consequences on Indian Muslims if they avoid the insurance?
(The author himself has warned against not taking the precautionary steps for avoiding the risks. The sufferings will continue and will multiply.)

4. Does the Shariah permit to adopt the insurance with the intention to purify the system from the interest under a long term plan?
(Why not? This will be a very good beginning. This should be encouraged. Where there is a will there is a way. Instead of keeping the Ummah away from the national mainstream, we should encourage them to become an inevitable part of it and then influence the changes. When differences occur between any member and the Jamaat, and if the member decides to keep away from the Jamaat, the seniors of the Jamaat admonish him to remain part of the Jamaat and influence silently and slowly. This is wisdom. Why not the Ummah too should be convinced to be the active part of a national system first and after gaining strength, confidence and importance from other non-Muslims , it will be easy to bring about any change. By just standing on the shore, one can not change the directions of a boat. We can not change the direction of the winds, but we can change the direction of the sails if we are inside the boat. However, the answer to the above question has been given in the Chapter “Scholars in favour of Life Insurance”.

Dr. Najatullah Siddiqui cannot be blamed alone. Almost all the authors adopted the same policy where there are only theoretical arguments but no practical solution.
Can we conclude that unless an Islamic Economy comes into existence we have to postpone the insurance? The inevitability of the insurance which was discussed in the chapters becomes null and void. It is not known how long the Indian Muslims will have to suffer until an Islamic Economy will come to existence. It will take decades or centuries, Allah knows better but in the present scenario, we do not anticipate any change in the next 50 years.
Go through any book, the language is so complicated that an ordinary reader can never comprehend. It is the common problem of the scholars that they concentrate on addressing to the scholars and philosophers of their own kind. Addressing to a common man is not in their agenda. This is one of the reasons that Islam’s real teachings remain on the dusty shelves next to the antiques. There are very few scholars who prefer to convey the message in simple language.