^ I think that's a nice idea. Just one question, I don't understand about the child's inheritance and such. Of course the child is the couple's child, of course s/he should have all the rights that their child should have. That's what's expected of children born from surrogates. I'm not sure they need any extra stipulation.
Given what you've said, I don't really see how surrogacy is haraam.
If surrogate mother keeps the baby (as she has a right to do so in Britain and few other countries) the child won't recieve anything from the parents according to the law, but if the surrogate mother is married to the man the case will be very different.