What is the ruling on purchasing the remaining years of service to receive the full pension?

The ruling depends on the type of insurance. There is no objection to paying installments of cooperative takaful insurance, or expediting them. As for commercial insurance, it is not permissible to subscribe to it voluntarily due to the presence of gharar (excessive uncertainty), gambling, and riba (usury) within it. If someone is compelled to subscribe to it, they are not permitted to buy out the remaining years to receive a full payout, because necessity is determined by its extent.