When it comes to Muslims, life insurance is fairly complex.  Many scholars regard insurance as is sold in the United States as prohibited no matter who the beneficiary, as the insurance benefit frequently includes riba and gharar.  Muslim countries do have “Sharia’h Compliant” life insurance available, known as takaful, generally not available to Americans.  Some have found no harm in life insurance though since the asset is paid out at death, it should be distributed based on the Islamic Rules of Inheritance.