To what extent is the optional insurance legitimate, which consists of paying a monthly sum for 20 years, then receiving a larger monthly pension upon retirement until the age of 70, with heirs continuing to benefit after death, and the worker enjoying social coverage, and the collected amounts exceeding the paid amounts?

Insurance is of two types: cooperative, which is permissible, and commercial, which is forbidden. One of the differences between them is that the surplus from the policyholders' funds in commercial insurance is taken by the company, whereas in cooperative insurance, the surplus is returned to the fund or invested for the benefit of the policyholders.