The Islamic Central

Ladies and Gentlemen,
I have always been very confused about the idea of insurance in Islam and its credibility. I recently had a discussion on this issue with three of my closest friends, and some of them have a clearer idea about it. Two of my friends were in favor of some form of insurance and have their own opinion on this issue, please note that these two good knowledge of Islam. I would not call molvis moderate Muslims, but also a good knowledge of various topics in Islam (although this is not a criterion). I will continue my reservations, their responses and some other points of view here, and would welcome the views of other people here. Please take part in a discussion with his understanding of (any), and you can subscribe to their views and explain that it may be some ambiguities that you or others may have. Thank you.

What is the Court (per cent) and Hara (forbidden) in Islam? 
My understanding is that all of the income, the following criteria