Interest and Gambling

Q: I want to know about insurance. I live in Europe and majority of Muslims have life insurance. For example, if they die then the company will pay to transfer the body to their country. Is this a sin?

Q: I have an Islamic account with FNB and I receive ebucks for every time I swipe my card or buy things online. Please advise if I would be able to use these ebucks?

Q: Is it permissible to buy a house in the USA , as we have to pay interest on it, as most of us are unable to buy with cash?

Q:

1. I have a question regarding banking. If the bank gives you $200 credit in your account for opening a new account and then charges $35.00 for bank fees every month. Is it permissible to use that $200 to pay their fees? If not, what is the correct approach to take? Should a person try to refuse taking that money or take it and give it to Sadaqah without intention of sawab? 

2. If the bank offers you a free service such as a safety deposit box for having a certain type of account is it permissible to take advantage of that? 

3. Also, is it permissible to use points earned on credit card spending to pay fines, speeding tickets, taxes etc?

4. If a person forgets to make a payment and the credit card company charges a late fee or interest. Is it permissible to use the point to pay for such fees?

Q: I recently learned about the impermissibility of the 3% cash back on the credit card. Many stores offer points which can be changed to cash to purchase in store. Is this permissible? If yes, what is the difference between points in stores and cash back on a credit card.

Q: I did an insurance policy in 2014 for 10 yrs, every year I need to pay a premium of 35k. Last year I got to know that it is haram and I wanted to get myself out of that. But If I opt out now, I will loose 80% of my money. Will I be getting sin for continuing that policy. Should I just stop paying the premium. What should be my approach in this matter.

Q: Can we utilize saving bank accounts interest money to release non-habitual prisoners, advocate fees and legal aid staffs salary who work on this project either Muslim or Non-Muslim? 

Q: The duty-free section of certain airports sells tickets. I want to buy a ticket with the intention that if I win, I will give the money to needy people. Is this permissible?

Q: Is it permissible to redeem Nedbank Greenbacks for cash? Greenbacks Rewards is easy to understand and easy to use. You earn Greenbacks every time you swipe your linked Greenbacks card on eligible spend.

The Greenbacks Rewards Programme has a monthly linkage fee of R17, which is charged in arrears. Choose how you spend your rewards, your rewards are automatically loaded onto your "Free Shop Card" which you can use at over 100 000 stores, withdraw as cash from any ATM and even use it overseas. The Choice is yours.

Q: Is it permissible to apply for an old age state pension? What is the Shari’ah ruling in this regard?