If a Musi purchased life insurance and the claim is received after their death, is the amount counted as part of their estate?

If the deceased Musi paid the insurance premiums after already paying Hissa Amad on their income, then the amount received by beneficiaries is not counted as part of the deceased Musi's estate.

If there is no statement from the Musi on this matter, the decision is made on the basis of a statement from the heirs and a report from the local Jama'at.

Any additional amount received from the insurance company as profit is not counted as part of the deceased Musi's estate.

However, when the insurance amount is distributed among the heirs, it is counted as their property, and if those heirs are Musis, Hissa Jaidad is obligatory for them on it.