Life insurance payout

Q: Old Mutual life insurance investment funds.

1. If the family gets paid out from such an investment, will it be permissible for them to use that money?

2. If not, can it be given to a family member legible for zakaat or to pay Sars, fines etc.

Laws pertaining to Imaamat

Q: I would like to find out all the Shar'ee laws pertaining to: - Imamat / leading a congregation in Salaah - Non Baaligh child making Imamat - Imam having a beard - Imam not following rules of tajweed. - Imam wearing his pants below his ankles. Please can I also have references for each of the queries.

Marital problems

Q: I want to ask some wazifa for the success of my marital life because I am much worried nowadays. And I'm living without my husband nowadays. He was giving very tough time to me from after 20 days of marriage. Please tell me some Islamic wazifa that he become mold towards me. 

Using wudhu utensils

Q: Does all pots of wuzoo including lotay, shower, doors and sometimes plastic pipe which are wet by water are clean and paak? Can we use these things without hesitation or we need some special things to use them?