Is the amount refunded from an insurance policy that combines savings and protection, after canceling the savings clause and distributing the amount to the participants, permissible or forbidden?

The question comprises two issues:

First: The ruling on a company insuring its employees:

If the insurance pertains to employees' salaries and entitlements:

It is permissible if it is cooperative and with the employees' permission.

It is not permissible if it is commercial. The employee must reject it. If forced into it, they must leave the job unless they are in dire necessity. If the necessity ceases, they must cancel the insurance or leave the job.

If the insurance is a gift from the company to the employees and not from their salaries:

Its ruling is as previously stated (permissible if cooperative, and not permissible if commercial).

The employee is not obligated to leave the job if the insurance is commercial, provided that their work is permissible.

When benefiting from commercial insurance, the employee may only benefit to the extent that the company paid on their behalf, because any excess is considered unlawful money unless it falls under the categories where unlawful money can be disbursed.