From: tabnak.ir
Subject: فتاوای آیت الله العظمی مکارم شیرازی (مدظله) در مورد احکام بیمه
Date: Mon, 06 Apr 2026 01:05:19 +0330
MIME-Version: 1.0
Content-Type: multipart/related;
	boundary="--ACE96697A8D677A55A57ACA9215ECBD8_MULTIPART_MIXED";
	type="text/html"
X-MimeOLE: Produced By IRANSAMANEH.COM

This is a multi-part message in MIME format.

----ACE96697A8D677A55A57ACA9215ECBD8_MULTIPART_MIXED
Content-Type: text/html
Content-Transfer-Encoding: base64
Content-Location: http://mhtfile/index.html

PCFET0NUWVBFIGh0bWwgUFVCTElDICItLy9XM0MvL0RURCBIVE1MIDQuMDEgVHJhbnNpdGlvbmFs
Ly9FTiIgImh0dHA6Ly93d3cudzMub3JnL1RSL2h0bWw0L2xvb3NlLmR0ZCI+IDxodG1sPiA8aGVh
ZD4gPG1ldGEgaHR0cC1lcXVpdj0iQ29udGVudC1UeXBlIiBjb250ZW50PSJ0ZXh0L2h0bWw7IGNo
YXJzZXQ9VVRGLTgiPiA8bGluayByZWw9InNob3J0Y3V0IGljb24iIGhyZWY9ImZhdmljb24uaWNv
Ij4gPGxpbmsgaHJlZj0iaHR0cHM6Ly9jZG4udGFibmFrLmlyL2NsaWVudC90aGVtZXMvZmEvbWFp
bi9jc3MvY29udGVudF85ODEwOS5jc3MiIHR5cGU9dGV4dC9jc3MgcmVsPXN0eWxlc2hlZXQ+IDx0
aXRsZT7Zgdiq2KfZiNin24wg2KLbjNiqINin2YTZhNmHINin2YTYudi42YXbjCDZhdqp2KfYsdmF
INi024zYsdin2LLbjCAo2YXYr9i42YTZhykg2K/YsSDZhdmI2LHYryDYp9it2qnYp9mFINio24zZ
hdmHPC90aXRsZT4gPC9oZWFkPiA8Ym9keSBjbGFzcz0ic2F2ZV9ib2R5Ij4gICAgIDxkaXYgY2xh
c3M9InNhdmVfcGFnZSIgc3R5bGU9ImRpcmVjdGlvbjogcnRsIj4gICAgICAgICA8ZGl2IGNsYXNz
PSJwcmludF9sb2dvX2MiPiAJPGltZyBzcmM9Imh0dHBzOi8vY2RuLnRhYm5hay5pci9jbGllbnQv
dGhlbWVzL2ZhL21haW4vaW1nL3ByaW50X2xvZ28uZ2lmIiBjbGFzcz0iY2VudGVyX2ltZyI+IDwv
ZGl2PiA8ZGl2IGNsYXNzPSJuZXdzX3ByaW50X2NvbnRhaW5lciI+ICAgICA8ZGl2IGNsYXNzPSJu
ZXdzX3J1dGl0ciI+PC9kaXY+ICAgICA8ZGl2IGNsYXNzPSJ0aXRsZV9jIj7Zgdiq2KfZiNin24wg
2KLbjNiqINin2YTZhNmHINin2YTYudi42YXbjCDZhdqp2KfYsdmFINi024zYsdin2LLbjCAo2YXY
r9i42YTZhykg2K/YsSDZhdmI2LHYryDYp9it2qnYp9mFINio24zZhdmHPC9kaXY+ICAgICAgICAg
ICAgICA8ZGl2IGNsYXNzPSJwcmludF9zdWJ0aXRsZSI+2YHYqtin2YjYp9uMINii24zYqiDYp9mE
2YTZhyDYp9mE2LnYuNmF24wg2YXaqdin2LHZhSDYtNuM2LHYp9iy24wgKNmF2K/YuNmE2YcpINiv
2LEg2YXZiNix2K8g2KfYrdqp2KfZhSDYqNuM2YXZhzwvZGl2PiAgICAgICAgICA8ZGl2IGNsYXNz
PSJuZXdzX3ByaW50X2NvbnRlbnQiPiAgICAgICAgIDxkaXYgY2xhc3M9InJ1dGl0ciBwcmludF9p
ZCI+2qnYryDYrtio2LE6INu527Dbsdu127DbuTwvZGl2PiAgICAgICAgIDxkaXYgY2xhc3M9InJ1
dGl0ciBwcmludF9kYXRlIj7Yqtin2LHbjNiuOiDbsNu0INiu2LHYr9in2K8g27Hbs9u527ggLSDb
sdu1Otuz27c8L2Rpdj4gICAgICAgICA8ZGl2IGNsYXNzPSJ3cmFwcGVyIj48L2Rpdj4gICAgIDwv
ZGl2PiAgICAgPGRpdiBjbGFzcz0iYm9keSI+PHA+PHNwYW4gc3R5bGU9ImNvbG9yOiAjZmYwMDAw
OyI+PHN0cm9uZz7Zgdiq2KfZiNin24wg2KLbjNiqINin2YTZhNmHINin2YTYudi42YXbjCDZhdqp
2KfYsdmFINi024zYsdin2LLbjCAo2YXYr9i42YTZhyk8L3N0cm9uZz48L3NwYW4+PGJyIC8+2KfY
rdqp2KfZhSDYqNuM2YXZhzxiciAvPtmhICZuZGFzaDsg2YXZhNqp24zYqiDZhdin2YTbjCDaqdmH
INin2LIg2LPZiNuMINmB2LHYstmG2K8g2K/YsSDYqNuM2YXZhyDYudmF2LEg2LPZvtix2K/ZhyDZ
hduMINi02YjYrzwvcD4gIDxwPtiz2KTYp9mEOiDYp9qv2LEg2qnYs9uMINmB2LHYstmG2K8g2YbY
p9io2KfZhNi6INiu2YjYryDYsdinINio24zZhdmHINi52YXYsSDaqdmG2K8g2Ygg2YfYstuM2YbZ
hyDYp9uMINm+2LHYr9in2K7YqiDaqdmG2K8g2Ygg2YLYsdin2LHYr9in2K8g2LHYpyDZgdiz2K4g
2qnZhtivINm+2YjZhCDZvtizINqv2LHZgdiq2Ycg2YXYp9mEINm+2K/YsSDYp9iz2Kog24zYpyDZ
gdix2LLZhtiv2J88L3A+ICA8cD7YrNmI2KfYqCDZhdiq2LnZhNmCINio2Ycg2qnYs9uMINin2LPY
qiDaqdmHINio24zZhdmHINio2Ycg2YbZgdi5INin2Ygg2KfZhtis2KfZhSDYtNiv2Ycg2KfYs9iq
LjwvcD4gIDxwPtmiICZuZGFzaDsg2K/YsduM2KfZgdiqINiv2LHYtdiv24wg2KfYsiDYr9iz2KrZ
hdiy2K8g2KjbjNmF2Ycg2q/YsNin2LE8L3A+ICA8cD7Ys9ik2KfZhDog2KfbjNmG2KzYp9mG2Kgg
2K/YsSDbjNqp24wg2KfYsiDYqNuM2YXZhyDZh9in24wg2K7YtdmI2LXbjCDYr9in2K7ZhCDaqdi0
2YjYsSDYr9ixINmC2LPZhdiqINi52YXYsSDZiCDYotiq24zZhyDaqdin2LEg2YXbjCDaqdmG2YUg
2Ygg2KjZhyDYp9iy2KfYoSDYp9uM2YYg2qnZhyDZh9ixINmG2YHYsSDYsdinINio2LHYp9uMINio
24zZhdmHINir2KjYqiDZhtin2YUg2YXbjCDaqdmG2YUg24zaqSDYr9iz2KrZhdiy2K8g2YXYtNiu
2LXbjCDYqNmHINmF2YYg2K/Yp9iv2Ycg2YXbjCDYtNmI2K8uINin2LIg2LfYsdmBINiv24zar9ix
INuM2qkg2LPYsduMINin2YHYsdin2K8g2KjZhyDYudmG2YjYp9mGINiy24zYsSDZhdis2YXZiNi5
INio2LHYp9uMINmF2YYg2qnYp9ixINmF24wg2qnZhtmG2K8g2qnZhyDYrdiv2YjYryDZvtmG2Kwg
2K/Ysdi12K8g2KfYsiDYr9iz2KrZhdiy2K8g2KfZgdix2KfYr9uMINix2Kcg2qnZhyDYstuM2LEg
2YXYrNmF2YjYudmHINmH2KfbjCDZhdmGINio24zZhdmHINmF24wg2qnZhtmG2K8g2KjZhyDZhdmG
INiq2LnZhNmCINmF24wg2q/bjNix2K8uINmF24wg2K7ZiNin2YfZhSDYqNiv2KfZhtmFINin24zZ
hiDZvtmI2YTbjCDYsdinINqp2Ycg2KjZhyDYudmG2YjYp9mGINit2YLZiNmCINmF2KfZh9uM2KfZ
htmHINmF24wg2q/bjNix2YUg2K3ZhNin2YQg2KfYs9iqINuM2Kcg2K7bjNix2J88L3A+ICA8cD7Y
rNmI2KfYqCDZh9ix2q/Yp9mHINin24zZhiDZhtmI2Lkg2K/Ys9iq2YXYstiv2YfYpyDYr9ixINmF
2YLYp9io2YQg2K7Yr9mF2KfYqtuMINin2LPYqiDaqdmHINi02YXYpyDZhduMINiv2YfbjNivINin
2LTaqdin2YTbjCDZhtiv2KfYsdivINmF2q/YsSDYotmGINqp2Ycg2KjZhyDYtdmI2LHYqiDZh9ix
2YXbjCDZiCDYtNio2qnZhyDYp9uMINmIINin2YXYq9in2YQg2KLZhiDYqNin2LTYry48L3A+ICA8
cD7ZoyAmbmRhc2g7INin2LPYqtmB2KfYr9mHINin2LIg2K/Zgdiq2LHahtmHINio24zZhdmHINiv
24zar9ix2KfZhjwvcD4gIDxwPtiz2KTYp9mEOiDYp9iz2KrZgdin2K/ZhyDYp9iyINiv2YHYqtix
2obZhyDYqNuM2YXZhyDYr9uM2q/Ysdin2YYg2obar9mI2YbZhyDYp9iz2KrYnyDYotuM2Kcg2KrY
rdmC24zZgiDZiCDYqtmB2K3Zkdi1INiq2YjYs9mR2Lcg2b7Ysti02qkg2YTYp9iy2YUg2KfYs9iq
2J88L3A+ICA8cD7YrNmI2KfYqCDZh9ix2q/ZiNmG2Ycg2KfYs9iq2YHYp9iv2Ycg2KfYsiDYr9mB
2KrYsdqG2Ycg2KjbjNmF2Ycg2KjYsSDYrtmE2KfZgSDZhdmC2LHZkdix2KfYqiDZiCDZgtix2KfY
sdiv2KfYryDYtNix2LnYp9mLINmF2KzYp9iyINmG24zYs9iqOyDZiNmE2Ykg2KjYsdin2Ykg2LfY
qNuM2KjYjCDYqtmB2K3Zkdi1INmE2KfYstmFINmG24zYs9iqLjwvcD4gIDxwPtmkICZuZGFzaDsg
2KrYtNqp24zZhCDZvtix2YjZhtiv2Ycg2KjbjNmF2Yc8L3A+ICA8cD7Ys9ik2KfZhDog2KjZhtiv
2Ycg2K3Yr9mI2K8gNiDYs9in2YQg2b7bjNi0INio2Kcg2LTYrti124wg2KrYtdin2K/ZgSDaqdix
2K/ZhSDZiCDYr9qG2KfYsSDZhtmC2LUg2LnYttmIINi02K/ZhS4g2KfYsiDYotmGINis2Kcg2qnZ
hyDYsdin2YbZhtiv2Ycg2YjYtti524zYqiDZhdin2YTbjCDZhdmG2KfYs9io24wg2YbYr9in2LTY
qiDZiCDYqNuM2YXZhyDZh9mFINmG2KjZiNiv2Iwg24zaqduMINin2LIg2KLYtNmG2KfbjNin2YYg
2YXYpyDaqdmHINmF2K/bjNixINuM2qnbjCDYp9iyINmF2LHYp9qp2LIg2KjbjNmF2Ycg2KfYs9iq
2Iwg2KjbjNmF2Ycg2KfbjCDYqNmHINmG2KfZhSDYsdin2YbZhtiv2Ycg2KjZhyDYqtin2LHbjNiu
INix2YjYsiDZgtio2YQg2KfYsiDYqti12KfYr9mBINi12KfYr9ixINqp2LHYryDZiCDYqNinINin
24zZhiDaqdin2LEg2KjbjNmF2Ycg2YXYqNmE2LogNCDZhduM2YTbjNmI2YYg2KrZiNmF2KfZhiDY
qNmHINmF2Kcg2b7Ysdiv2KfYrtiqINqp2LHYryDaqdmHINin2LIg2KfbjNmGINmF2YLYr9in2LEg
ODAwINmH2LLYp9ixINiq2YjZhdin2YYg2LHYpyDYqNuM2YXZhyDar9iw2KfYsSDYqNix2K/Yp9i0
2KouINit2KfZhNinINmF2Kcg2b7YtNuM2YXYp9mGINi02K/ZhyDZiCDYqti12YXbjNmFINio2Ycg
2KjYp9iy2b7Ysdiv2KfYrtiqINm+2YjZhCDar9ix2YHYqtmHINin24zZhS4g2YTYt9mB2KfZiyDZ
hdinINix2Kcg2LHYp9mH2YbZhdin24zbjCDaqdmG24zYr9iMINii24zYpyDZvtmI2YTbjCDYsdin
INmH2YUg2qnZhyDYqNuM2YXZhyDar9iw2KfYsSDYqNix2K/Yp9i02KrZhyDZhdinINio2KfbjNiv
INm+2LHYr9in2K7YqiDaqdmG24zZhdifPC9wPiAgPHA+2KzZiNin2Kg6INio2Kcg2KrZiNis2Ycg
2KjZhyDYp9uM2YYg2qnZhyDYtNmF2Kcg2qnZhdqpINio2Ycg2KfZhtis2KfZhSDYp9uM2YYg2qnY
p9ixINqp2LHYr9mHINin24zYr9iMINi02YXYpyDYr9ixINio2LHYp9io2LEg2KLZhiDZhtuM2LIg
2YXYs9im2YjZhCDZh9iz2KrbjNivPC9wPjwvZGl2PiAJPGRpdiBjbGFzcz0id3JhcHBlciI+PC9k
aXY+IDwvZGl2PiAgICAgPC9kaXY+IDwvYm9keT4gPC9odG1sPg==

----ACE96697A8D677A55A57ACA9215ECBD8_MULTIPART_MIXED
Content-Type: image/vnd.microsoft.icon
Content-Transfer-Encoding: base64
Content-Location: http://mhtfile/favicon.ico
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----ACE96697A8D677A55A57ACA9215ECBD8_MULTIPART_MIXED--
