1. If a person dies within 20 years, his family (beneficiaries) receive a large sum of money, as agreed at the time of the conclusion of insurance contract.
2. If a person does not die within 20 years, the money is well with him as an account with an annual profit on the shares has been paid to the insurance company.
3. In some cases, in addition to the above, if a person is sick, their medical expenses covered by the insurance for 20 years.

Now, my question relates specifically to the first 2 points. If a person dies, the family receives a lump sum of insurance money (for example, insurance). Nonetheless, life insurance, if a person dies, he is still real value in their payments, in addition to the total amount of payments to the insurance company.
Now it is a win-win situation, and that the income falls within my definition of interest, ie income (without the risk of loss), does not mean every effort and work.

What are the other participants in this forum. Insurance friend or evil, especially in the context of Islam?