Allah سبحانه و تعالى has created this world as a place of trials and tribulations. Having trials and tribulations is actually the rule, not the exception. Beyond that Allah سبحانه و تعالى has created human beings who are unable to bear most trials and tribulations. The Prophet (ﷺ) in his infinite mercy has taught us some way by which we can protect ourselves from the difficulties of this world.
Firstly, you should understand this world is a place of trials and tribulations. Every second there are dozens of people that are afflicted with some new trials and tribulations. This world is a place of musiba. The Prophet (ﷺ) taught us that Allah سبحانه و تعالى has the power to afflict us with trials and tribulations at any time.
Secondly, we are human beings and we do not have the ability to bear those trials and tribulations. So we should ask Allah سبحانه و تعالى to protect us. There are du‘aa’s in the Qur’an in which we ask Allah سبحانه و تعالى to not bear upon us those difficulties because we are not able to carry them.
The prophet (ﷺ) taught us that after fajr and maghrib prayer we should make the following du‘aa 3 times:
بِسْمِ اللَّهِ الَّذِي لَا يَضُرُّ مَعَ اسْمِهِ شَيْءٌ فِي الْأَرْضِ وَلَا فِي السَّمَاءِ وَهُوَ السَّمِيعُ الْعَلِيمُ
In the Name of Allah, who with His Name, nothing in the earth or the heavens can cause harm, and He is the Hearing, the Knowing (Tirmidhi, Abu Dawud)
Everybody should memorize this du‘aa and make it part of their daily routine. This is the most perfect way you can seek protection from the difficulties that exist in the universe. The difficulties are those that Allah سبحانه و تعالى sends down upon people; those that people cause amongst themselves e.g. theft, murder; and those that shaytaan intends to inflict upon those who follow Allah سبحانه و تعالى .
Trials and tribulations like losing your job, losing your house, or someone stealing from you are difficulties but the reality of such difficulties is that they pass. However, there is one trial and tribulation for which there is no answer, and that is a disconnection from Allah سبحانه و تعالى. That is the worst thing that can happen to us. If you get disconnected from Allah سبحانه و تعالى, the effect is jahannam and there is no cure for that. It is one affliction for which there is never a cure.
Individuals in the society try to purchase insurance for anything valuable they own e.g. car insurance, house insurance. This du’aa is our insurance policy as well. This is the real insurance. Don’t forsake that which the Prophet (ﷺ) gave for that which people have created. You’ll never find cure in it.
(The above is a summary of the talk given by Shaykh Husain Abdul Sattar. The audio of the talk can be downloaded from HERE. To listen to more talks of Shaykh Husain Abdul Sattar, please visit sacredlearning.org)