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@badams122390 If the 3rd point of your post (if customer is no more) is applied then I guess it should be halal. Better to check with someone else too. Also, if you are looking to invest in stock markets, better to put some investment in SPUS (halal top 500 companies of US). It'll be more...

@badams122390 Since you won't lose your base principle amount in any case, it doesn't sound like halal. How do you know that tata aia invests only in halal stocks? How do you ensure your family members give away the amount exceeding his current value of investment? e.g., if your stock value is...