Abstract
Abstract The research embarked on a problem of particular concern to the legality of interoperability insurance and the possibility that makes it an alternative to the commercial insurance for the role played by this type of life insurance in the practical life. On this basis, the problem has been embodied in the following: Are religious scholars disagreed on the legality of mutual insurance? The answer of this question was a hypothesis: (Are the religious scholars disagree on the legality of mutual insurance? The hypothesis of the research was done through questionnaire. It has been considered as the key tool of data collection in field distributed on a sample of clerics in Mosul City. The forms have been collected and analyzed in terms of several statistical methods. The study concluded the following: 1. Principles and rules on which the insurance interoperability based on the teachings of the tolerant Islamic Sharia. 2. Free insurance interoperability defects insurance contracts known Kalgrr and obscurantism and usury. 3. Ignorance of the concept of insurance interoperability among many members of the society generally and between the scientific community and legitimacy particular. Islam prohibits other types of insurance. .
