From: tabnak.ir
Subject: فتاوای آیت الله العظمی مکارم شیرازی (مدظله) در مورد احکام بیمه
Date: Thu, 18 Jun 2026 14:50:01 +0330
MIME-Version: 1.0
Content-Type: multipart/related;
	boundary="--4FF8959D4023679CA447684D7A1BB188_MULTIPART_MIXED";
	type="text/html"
X-MimeOLE: Produced By IRANSAMANEH.COM

This is a multi-part message in MIME format.

----4FF8959D4023679CA447684D7A1BB188_MULTIPART_MIXED
Content-Type: text/html
Content-Transfer-Encoding: base64
Content-Location: http://mhtfile/index.html

PCFET0NUWVBFIGh0bWwgUFVCTElDICItLy9XM0MvL0RURCBIVE1MIDQuMDEgVHJhbnNpdGlvbmFs
Ly9FTiIgImh0dHA6Ly93d3cudzMub3JnL1RSL2h0bWw0L2xvb3NlLmR0ZCI+IDxodG1sPiA8aGVh
ZD4gPG1ldGEgaHR0cC1lcXVpdj0iQ29udGVudC1UeXBlIiBjb250ZW50PSJ0ZXh0L2h0bWw7IGNo
YXJzZXQ9VVRGLTgiPiA8bGluayByZWw9InNob3J0Y3V0IGljb24iIGhyZWY9ImZhdmljb24uaWNv
Ij4gPGxpbmsgaHJlZj0iaHR0cHM6Ly9jZG4udGFibmFrLmlyL2NsaWVudC90aGVtZXMvZmEvbWFp
bi9jc3MvY29udGVudF8xMDA0MjEuY3NzIiB0eXBlPXRleHQvY3NzIHJlbD1zdHlsZXNoZWV0PiA8
dGl0bGU+2YHYqtin2YjYp9uMINii24zYqiDYp9mE2YTZhyDYp9mE2LnYuNmF24wg2YXaqdin2LHZ
hSDYtNuM2LHYp9iy24wgKNmF2K/YuNmE2YcpINiv2LEg2YXZiNix2K8g2KfYrdqp2KfZhSDYqNuM
2YXZhzwvdGl0bGU+IDwvaGVhZD4gPGJvZHkgY2xhc3M9InNhdmVfYm9keSI+ICAgICA8ZGl2IGNs
YXNzPSJzYXZlX3BhZ2UiIHN0eWxlPSJkaXJlY3Rpb246IHJ0bCI+ICAgICAgICAgPGRpdiBjbGFz
cz0icHJpbnRfbG9nb19jIj4gCTxpbWcgc3JjPSJodHRwczovL2Nkbi50YWJuYWsuaXIvY2xpZW50
L3RoZW1lcy9mYS9tYWluL2ltZy9wcmludF9sb2dvLmdpZiIgY2xhc3M9ImNlbnRlcl9pbWciPiA8
L2Rpdj4gPGRpdiBjbGFzcz0ibmV3c19wcmludF9jb250YWluZXIiPiAgICAgPGRpdiBjbGFzcz0i
bmV3c19ydXRpdHIiPjwvZGl2PiAgICAgPGRpdiBjbGFzcz0idGl0bGVfYyI+2YHYqtin2YjYp9uM
INii24zYqiDYp9mE2YTZhyDYp9mE2LnYuNmF24wg2YXaqdin2LHZhSDYtNuM2LHYp9iy24wgKNmF
2K/YuNmE2YcpINiv2LEg2YXZiNix2K8g2KfYrdqp2KfZhSDYqNuM2YXZhzwvZGl2PiAgICAgICAg
ICAgICAgPGRpdiBjbGFzcz0icHJpbnRfc3VidGl0bGUiPtmB2KrYp9mI2KfbjCDYotuM2Kog2KfZ
hNmE2Ycg2KfZhNi52LjZhduMINmF2qnYp9ix2YUg2LTbjNix2KfYstuMICjZhdiv2LjZhNmHKSDY
r9ixINmF2YjYsdivINin2K3aqdin2YUg2KjbjNmF2Yc8L2Rpdj4gICAgICAgICAgPGRpdiBjbGFz
cz0ibmV3c19wcmludF9jb250ZW50Ij4gICAgICAgICA8ZGl2IGNsYXNzPSJydXRpdHIgcHJpbnRf
aWQiPtqp2K8g2K7YqNixOiDbuduw27Hbtduw27k8L2Rpdj4gICAgICAgICA8ZGl2IGNsYXNzPSJy
dXRpdHIgcHJpbnRfZGF0ZSI+2KrYp9ix24zYrjog27DbtCDYrtix2K/Yp9ivINux27Pbudu4IC0g
27HbtTrbs9u3PC9kaXY+ICAgICAgICAgPGRpdiBjbGFzcz0id3JhcHBlciI+PC9kaXY+ICAgICA8
L2Rpdj4gICAgIDxkaXYgY2xhc3M9ImJvZHkiPjxwPjxzcGFuIHN0eWxlPSJjb2xvcjogI2ZmMDAw
MDsiPjxzdHJvbmc+2YHYqtin2YjYp9uMINii24zYqiDYp9mE2YTZhyDYp9mE2LnYuNmF24wg2YXa
qdin2LHZhSDYtNuM2LHYp9iy24wgKNmF2K/YuNmE2YcpPC9zdHJvbmc+PC9zcGFuPjxiciAvPtin
2K3aqdin2YUg2KjbjNmF2Yc8YnIgLz7ZoSAmbmRhc2g7INmF2YTaqduM2Kog2YXYp9mE24wg2qnZ
hyDYp9iyINiz2YjbjCDZgdix2LLZhtivINiv2LEg2KjbjNmF2Ycg2LnZhdixINiz2b7Ysdiv2Ycg
2YXbjCDYtNmI2K88L3A+ICA8cD7Ys9ik2KfZhDog2Kfar9ixINqp2LPbjCDZgdix2LLZhtivINmG
2KfYqNin2YTYuiDYrtmI2K8g2LHYpyDYqNuM2YXZhyDYudmF2LEg2qnZhtivINmIINmH2LLbjNmG
2Ycg2KfbjCDZvtix2K/Yp9iu2Kog2qnZhtivINmIINmC2LHYp9ix2K/Yp9ivINix2Kcg2YHYs9iu
INqp2YbYryDZvtmI2YQg2b7YsyDar9ix2YHYqtmHINmF2KfZhCDZvtiv2LEg2KfYs9iqINuM2Kcg
2YHYsdiy2YbYr9ifPC9wPiAgPHA+2KzZiNin2Kgg2YXYqti52YTZgiDYqNmHINqp2LPbjCDYp9iz
2Kog2qnZhyDYqNuM2YXZhyDYqNmHINmG2YHYuSDYp9mIINin2YbYrNin2YUg2LTYr9mHINin2LPY
qi48L3A+ICA8cD7ZoiAmbmRhc2g7INiv2LHbjNin2YHYqiDYr9ix2LXYr9uMINin2LIg2K/Ys9iq
2YXYstivINio24zZhdmHINqv2LDYp9ixPC9wPiAgPHA+2LPYpNin2YQ6INin24zZhtis2KfZhtio
INiv2LEg24zaqduMINin2LIg2KjbjNmF2Ycg2YfYp9uMINiu2LXZiNi124wg2K/Yp9iu2YQg2qnY
tNmI2LEg2K/YsSDZgtiz2YXYqiDYudmF2LEg2Ygg2KLYqtuM2Ycg2qnYp9ixINmF24wg2qnZhtmF
INmIINio2Ycg2KfYstin2KEg2KfbjNmGINqp2Ycg2YfYsSDZhtmB2LEg2LHYpyDYqNix2KfbjCDY
qNuM2YXZhyDYq9io2Kog2YbYp9mFINmF24wg2qnZhtmFINuM2qkg2K/Ys9iq2YXYstivINmF2LTY
rti124wg2KjZhyDZhdmGINiv2KfYr9mHINmF24wg2LTZiNivLiDYp9iyINi32LHZgSDYr9uM2q/Y
sSDbjNqpINiz2LHbjCDYp9mB2LHYp9ivINio2Ycg2LnZhtmI2KfZhiDYstuM2LEg2YXYrNmF2YjY
uSDYqNix2KfbjCDZhdmGINqp2KfYsSDZhduMINqp2YbZhtivINqp2Ycg2K3Yr9mI2K8g2b7Zhtis
INiv2LHYtdivINin2LIg2K/Ys9iq2YXYstivINin2YHYsdin2K/bjCDYsdinINqp2Ycg2LLbjNix
INmF2KzZhdmI2LnZhyDZh9in24wg2YXZhiDYqNuM2YXZhyDZhduMINqp2YbZhtivINio2Ycg2YXZ
hiDYqti52YTZgiDZhduMINqv24zYsdivLiDZhduMINiu2YjYp9mH2YUg2KjYr9in2YbZhSDYp9uM
2YYg2b7ZiNmE24wg2LHYpyDaqdmHINio2Ycg2LnZhtmI2KfZhiDYrdmC2YjZgiDZhdin2YfbjNin
2YbZhyDZhduMINqv24zYsdmFINit2YTYp9mEINin2LPYqiDbjNinINiu24zYsdifPC9wPiAgPHA+
2KzZiNin2Kgg2YfYsdqv2KfZhyDYp9uM2YYg2YbZiNi5INiv2LPYqtmF2LLYr9mH2Kcg2K/YsSDZ
hdmC2KfYqNmEINiu2K/Zhdin2KrbjCDYp9iz2Kog2qnZhyDYtNmF2Kcg2YXbjCDYr9mH24zYryDY
p9i02qnYp9mE24wg2YbYr9in2LHYryDZhdqv2LEg2KLZhiDaqdmHINio2Ycg2LXZiNix2Kog2YfY
sdmF24wg2Ygg2LTYqNqp2Ycg2KfbjCDZiCDYp9mF2KvYp9mEINii2YYg2KjYp9i02K8uPC9wPiAg
PHA+2aMgJm5kYXNoOyDYp9iz2KrZgdin2K/ZhyDYp9iyINiv2YHYqtix2obZhyDYqNuM2YXZhyDY
r9uM2q/Ysdin2YY8L3A+ICA8cD7Ys9ik2KfZhDog2KfYs9iq2YHYp9iv2Ycg2KfYsiDYr9mB2KrY
sdqG2Ycg2KjbjNmF2Ycg2K/bjNqv2LHYp9mGINqG2q/ZiNmG2Ycg2KfYs9iq2J8g2KLbjNinINiq
2K3ZgtuM2YIg2Ygg2KrZgdit2ZHYtSDYqtmI2LPZkdi3INm+2LLYtNqpINmE2KfYstmFINin2LPY
qtifPC9wPiAgPHA+2KzZiNin2Kgg2YfYsdqv2YjZhtmHINin2LPYqtmB2KfYr9mHINin2LIg2K/Z
gdiq2LHahtmHINio24zZhdmHINio2LEg2K7ZhNin2YEg2YXZgtix2ZHYsdin2Kog2Ygg2YLYsdin
2LHYr9in2K8g2LTYsdi52KfZiyDZhdis2KfYsiDZhtuM2LPYqjsg2YjZhNmJINio2LHYp9mJINi3
2KjbjNio2Iwg2KrZgdit2ZHYtSDZhNin2LLZhSDZhtuM2LPYqi48L3A+ICA8cD7ZpCAmbmRhc2g7
INiq2LTaqduM2YQg2b7YsdmI2YbYr9mHINio24zZhdmHPC9wPiAgPHA+2LPYpNin2YQ6INio2YbY
r9mHINit2K/ZiNivIDYg2LPYp9mEINm+24zYtCDYqNinINi02K7YtduMINiq2LXYp9iv2YEg2qnY
sdiv2YUg2Ygg2K/ahtin2LEg2YbZgti1INi52LbZiCDYtNiv2YUuINin2LIg2KLZhiDYrNinINqp
2Ycg2LHYp9mG2YbYr9mHINmI2LbYuduM2Kog2YXYp9mE24wg2YXZhtin2LPYqNuMINmG2K/Yp9i0
2Kog2Ygg2KjbjNmF2Ycg2YfZhSDZhtio2YjYr9iMINuM2qnbjCDYp9iyINii2LTZhtin24zYp9mG
INmF2Kcg2qnZhyDZhdiv24zYsSDbjNqp24wg2KfYsiDZhdix2KfaqdiyINio24zZhdmHINin2LPY
qtiMINio24zZhdmHINin24wg2KjZhyDZhtin2YUg2LHYp9mG2YbYr9mHINio2Ycg2KrYp9ix24zY
riDYsdmI2LIg2YLYqNmEINin2LIg2KrYtdin2K/ZgSDYtdin2K/YsSDaqdix2K8g2Ygg2KjYpyDY
p9uM2YYg2qnYp9ixINio24zZhdmHINmF2KjZhNi6IDQg2YXbjNmE24zZiNmGINiq2YjZhdin2YYg
2KjZhyDZhdinINm+2LHYr9in2K7YqiDaqdix2K8g2qnZhyDYp9iyINin24zZhiDZhdmC2K/Yp9ix
IDgwMCDZh9iy2KfYsSDYqtmI2YXYp9mGINix2Kcg2KjbjNmF2Ycg2q/YsNin2LEg2KjYsdiv2KfY
tNiqLiDYrdin2YTYpyDZhdinINm+2LTbjNmF2KfZhiDYtNiv2Ycg2Ygg2KrYtdmF24zZhSDYqNmH
INio2KfYstm+2LHYr9in2K7YqiDZvtmI2YQg2q/YsdmB2KrZhyDYp9uM2YUuINmE2LfZgdin2Ysg
2YXYpyDYsdinINix2KfZh9mG2YXYp9uM24wg2qnZhtuM2K/YjCDYotuM2Kcg2b7ZiNmE24wg2LHY
pyDZh9mFINqp2Ycg2KjbjNmF2Ycg2q/YsNin2LEg2KjYsdiv2KfYtNiq2Ycg2YXYpyDYqNin24zY
ryDZvtix2K/Yp9iu2Kog2qnZhtuM2YXYnzwvcD4gIDxwPtis2YjYp9ioOiDYqNinINiq2YjYrNmH
INio2Ycg2KfbjNmGINqp2Ycg2LTZhdinINqp2YXaqSDYqNmHINin2YbYrNin2YUg2KfbjNmGINqp
2KfYsSDaqdix2K/ZhyDYp9uM2K/YjCDYtNmF2Kcg2K/YsSDYqNix2KfYqNixINii2YYg2YbbjNiy
INmF2LPYptmI2YQg2YfYs9iq24zYrzwvcD48L2Rpdj4gCTxkaXYgY2xhc3M9IndyYXBwZXIiPjwv
ZGl2PiA8L2Rpdj4gICAgIDwvZGl2PiA8L2JvZHk+IDwvaHRtbD4=

----4FF8959D4023679CA447684D7A1BB188_MULTIPART_MIXED
Content-Type: image/vnd.microsoft.icon
Content-Transfer-Encoding: base64
Content-Location: http://mhtfile/favicon.ico
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----4FF8959D4023679CA447684D7A1BB188_MULTIPART_MIXED--