What is the Islamic legal ruling on taking a sum from social insurance after the death of one's father? Is it considered permissible cooperative insurance or forbidden commercial insurance? And what should we do with it if it is forbidden?

The prevalent insurance today is commercial insurance, which is prohibited due to the presence of gharar (uncertainty), jahalah (ignorance), and riba (usury) within it. Islamic Fiqh Councils have unanimously agreed upon its prohibition. As for cooperative insurance, it is permissible because it is based on donation and cooperation in righteousness, not on profit-making. To ascertain the type of insurance your father had, you must refer to the insurance contract. If it was cooperative, then there is no objection for the heirs to benefit from the full amount. However, if it was commercial, then they are only entitled to the amount of the premiums paid. In the case of the prohibition of commercial insurance, do not leave the excess money to the company; rather, take it with the intention of disposing of it and spending it on charitable causes and public welfare.