What should a person do with money unlawfully taken from an insurance company: return it to the company or donate it as charity?

Commercial insurance is impermissible, and its sin is compounded if it involves forgery and bribery. Bearing false witness and giving false testimony are among the greatest major sins, and both the briber and the bribed are cursed. The person must repent by returning the money to the insurance company, and merely spending it on public welfare is not sufficient. If disclosing this to the company is embarrassing, he can return it by any means. He is entitled to deduct what he paid for the insurance, excluding the bribe, and what he previously paid to the same company.