Zakaat

Using money and calculating zakaat from a life insurance payout

Q: I had taken out a life insurance policy with a dread disease cover many years ago. (I call that my pre-hidayat days). I have now been paid out part of the money for a dread disease, which is part of the life cover. Can I calculate all the premiums I paid over the years and take the money out of the payout as halaal money for myself? Can I use the balance of the payout for Income Tax payment. I would then cancel the policy. 

Also, what are the zakaat implications regarding this money if it is halaal. Do I need to calculate zakaat from the time I started paying the premiums or not?

Zakaat on a long term investment and retirement annuity

Q: I have 2 investments and want clarity on my responsibility when it comes to zakaat.

1. I have purchased shares in company x for long term investment (probably 5 to 15 years). Do I pay zakaat on the quarterly/yearly dividends received or do I pay zakaat on the full value of the share?

2. I am investing in a retirement annuity, which is now only accessible upon my retirement. Do I pay zakaat yearly on the amount that is in my retirement account or would I only pay zakaat when the investment matures (when I retire)?