Dr. Zakir Naik responds to a question on legitimacy of insurance stating that there is nothing wrong with insurance itself PROVIDED the proceeds are interest free. This answer does not conform to the claims of many scholars who find more Shariah compliance issues in insurance than only interest. We at planetrisk.NET share Dr. Zakir's view although we believe that Takaful has more flavor of Islamic brotherhood and is more beneficial to the society as a mechanism. http://planetrisk.net/media/podcasts/inhalal.mp4