Interest and Gambling

Insurance

Q: I want to pursue general insurance course and work in Muslim countries like Saudi Arab, Dubai, Oman, Kuwait. Is it Halal to pursue and work in insurance co, in Muslims countries? I don't pursue Life insurance because I know it is haraam. I want to know about general insurance because there is many insurance companies in Arab countries owned and operating by Arab Muslims. If it is haraam then how is it allowed in Arab countries?

Home loan

Q: I live in Mauritius, where Islamic Finance and Interest Free loans are not available. In these circumstances, is it permissible to take a loan to construct a house. I have heard of verses of the Qur'an where Allah declares war on those who consume and pay ribaa.

Taking out life insurance to save tax

Q: Here, in South Africa, when a person passes away, he has to pay 20% estate duty of his total estate to the government. Many a time, this amount runs into millions and is an extremely exorbitant amount to pay. I was recently advised by a colleague to take out life insurance so that upon my death, the policy payout will cover the estate duty. Please advise if doing this will be permissible.