What is the ruling on subscribing to insurance with installments, especially concerning the amount paid in cases of loss of employment and death?

Commercial insurance in all its forms is impermissible (haram) due to the presence of gharar (uncertainty), jahalah (ignorance), and riba (usury) within it. Islamic Fiqh Councils have unanimously affirmed its prohibition. Cooperative insurance is an exception to this, as it is permissible because it is based on donation and mutual assistance, not profit; thus, it falls under cooperation in righteousness. Commercial insurance is not permissible except in cases of dire necessity.