Question Summary:
Joining a funeral plan

Question Detail:

Slm 
Is it allowable to join a funeral plan with no intention of using the payment.?
In order for me to move to the highest rewards level of eBucks I need to add certain products to my basket. The cheapest would be a funeral plan. The benefits from this far outweigh the costs of this. Would it be possible for me to join a funeral plan which would move me to the highest level. I have no intention of using the money from this and would specify to Mt family that they should not use it. 

Answer :

In the Name of Allah, the Most Gracious, the Most Merciful.
As-salāmu ‘alaykum wa-rahmatullāhi wa-barakātuh.
You did not specify the type of funeral plan. Nevertheless, if you are referring to a conventional funeral plan then that is not permissible.
To enter into a prohibited contract is also prohibited even though you do not intend to use the payment. 
And Allah Ta’āla Knows Best
Muhammad IV Patel
Student Darul Iftaa
Lusaka, Zambia
Checked and Approved by,
Mufti Ebrahim Desai.