Separate the need from the contract
The need may be family income, debt, burial costs or protection from disability. The religious question can involve necessity, uncertainty, interest, investment structure and the availability of alternatives.
Term life, participating whole life, universal life and disability insurance are not the same contract. A ruling about one feature should not be applied to every product without examination.
Scholarly views and circumstances differ
Muslim scholars and standards bodies do not all apply the same analysis to conventional insurance, employer coverage, legally required coverage or situations where takaful is unavailable.
An insurance advisor can explain the contract and alternatives but should not issue a religious ruling. A qualified scholar needs enough product detail to evaluate the actual decision.
Questions to bring to both professionals
Ask the advisor what is guaranteed, where premiums are invested, what surrender values or interest-sensitive features exist and whether a simpler term or no-purchase option could meet the need.
Ask the scholar which contract features matter, how necessity is assessed and whether the answer changes when no practical takaful alternative exists in Canada.
This is general educational content, not a recommendation of a product or amount for a particular person. The answer changes with the contract, need, finances and health.