Answered by Shaykh Muhammad ibn Adam al-Kawthari
In the name of Allah, Most Compassionate, Most Merciful,
The excess amount received above the initial premium is, as rightly pointed out by yourself, unlawful and not permissible to use. You should not leave this amount in the insurance company, rather take it and then give it to the extremely needy and poor. It should not be given for the construction of a Masjid. Disposing of unlawful money has been explained in many earlier posts. [See archives at www.sunnipath.com]
And Allah knows best
Muhammad ibn Adam al-Kawthari
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