Interest and Gambling

Redeeming points from a bank and giving it in charity

Q: My question is regarding Standard Bank U Courts. 

I do have points currently which I am not using as I believe that its haraam. 

Can I redeem the points by purchasing items from their stipulated stores and give it away in charity to my non Muslim helper or to an old age home or orphanage. If this is possible, does it have to be to a non Muslim old age home or orphanage? 

I also have the intention to cancel the U count

Winning money for catching the ball in the SA20 tournament

Q: There is a cricket tournament called the SA20. In the SA20 tournament, if the batsman hits a 6, and someone from the crowd catches the ball with 1 hand, they win a share of 2 million rands. You do not have to enter any competition or anything, you just have to catch the ball with 1 hand and you win a share of 2 million rands with other individuals who caught the ball with one hand. 

Now I caught the ball with one hand and I'm entitled to the share. Now the sponsor of this competition is Betway. Is the money haraam even though I just won a competition without any money added to it and without taking pictures of the check with the name Betway. I just won a competition. Is the money haraam if it comes from that company?

Is there "Islamic" insurance policies?

Q: I have noted responses indicating insurance and any policy that covers estate costs and costs associated with death is Haraam. There are companies like Tazkiya and Capital Legacy that say they have Shariah compliant policies including life insurance and these are accredited and supported by learned people in some cases but in the main they are validated by Muslim people. What are the views regarding this?