What is the ruling on insurance that is set for a specific period with a quarterly or monthly premium, where the insured recovers their paid share along with profits at the end of the period?

Commercial insurance, of all types, is impermissible (haram), whether its duration is short or long, due to its包含 (inclusion) of usury (riba), gambling (maysir), and excessive uncertainty (gharar). This has been previously explained in a resolution by the Islamic Fiqh Academy.