What is the ruling on using the name of an insured person to obtain prescription eyeglasses, sunglasses, or contact lenses for him or for one of his relatives or friends, especially if the insurance money might go unused, partially or entirely, and does the ruling differ between cooperative insurance and commercial insurance?

It is permissible to participate in cooperative insurance that adheres to Sharia-compliant regulations, and its conditions must be observed. Deception to obtain entitlements is not permissible. Whoever assists in deception is liable to guarantee the money to the company, and then he may seek recourse from the one he assisted.

As for commercial insurance, it is forbidden except for one who is compelled to it. It is permissible for one who is compelled to deceive only to take what is rightfully his. It is permissible to assist him in this, as long as no harm occurs and he does not take more than what is rightfully his.