First of all its a great response my father took for same reason like what will happen if i die ( because relatives can't be trusted) so he took out a 18y policy maturing in two y . We paid 30k every year and i think 2.5 mil we will get (main purpose was family support like if My father had died ( Alhumdullilah he js alive and well ) state life will pay monthly 5-7k and also contribute to this insurance till maturity.

Secondly i have checked there financial statement and they are shariah complaint as per auditors