Is it permissible to collect the proceeds of compulsory commercial insurance? If permissible, is what the deceased specified as expenditures considered a legally binding will for the heirs? Is it permissible to amend this desire? Is a will valid for an amount that the testator does not own and whose value is unknown at the time of death?

Commercial insurance is forbidden, and life and property insurance involves usury (riba) and gambling (qimar). The money received from insurance at retirement or by heirs is permissible (halal (definition)), because it is money given willingly by its owners. A will can be made for something unknown or non-existent, but a will is limited to one-third [of the estate], and anything exceeding one-third depends on the heirs' approval for its enforcement. It is permissible to change a will for what is better and more beneficial, especially if the will is for an unspecified beneficiary, and if the heirs are in need of money, it is permissible to amend the will in their favor.