What is the ruling on my grandmother taking the life insurance money of my deceased uncle, and should she give it in charity with the intention of getting rid of it or as an act of charity, or should she benefit from it, or would her benefiting from it harm my uncle?

Life insurance is a type of commercial insurance that is forbidden, as it involves gharar (excessive uncertainty), gambling, and riba (interest). Therefore, the heirs are not entitled to receive from its value anything more than the amount the deceased paid during his lifetime. Anything beyond that is forbidden and must be disposed of by spending it on public interests and charitable causes. The heirs must inquire about the amount the deceased paid, and the mother may take from the monthly payment an equivalent amount if the rest of the heirs agree. Whatever comes to her after that, she must dispose of it, unless she is poor, in which case it is permissible for her to take what suffices for her basic needs, by way of benefiting from public funds.