Question Summary:
What is the permissibility of the following policies: 1) Death Benefit 2) Trauma Benefit 3) Disability Benefit 4) Occupational Disability Income?

Question Detail:

I would like to confirm if it is permissible to take out any of the following policies.
1) Death Benefit: 
This policy pays out an amount to your family in the event of your death 
2) Trauma Benefit: 
This policy pays out an amount to you or your family should you have extensive illness
3) Disability Benefit: 
This policy pays out an amount to you or your family should you become physically impaired 
4) Occupational Disability Income: 
This policy pays out an amount to you or your family should you become physically impaired and unable to work. 
You would continue to receive your salary from the policy for a certain period of time.

Answer :

In the Name of Allah, the Most Gracious, the Most Merciful.
As-salāmu ‘alaykum wa-rahmatullāhi wa-barakātuh.
In general any such policies depend on the terms and conditions laid out in the contract. However, commercial forms of insurance are based on either interest or gambling and at times both. Thus, it would not be permissible to take out such policies.[1]
However, if there are exceptional circumstances or if you are obliged to take out such policies then please resubmit the question outlining these circumstances in detail.
And Allah Ta’āla Knows Best
Mawlana Mohammed Patel
Student Darul Ifta
Zambia.
Checked and Approved by,
Mufti Ebrahim Desai.
www.daruliftaa.net