What is the ruling on participating in funeral arrangement insurance in cases where expenses are high and the family or individual is unable to cover the costs?

Insurance based on paying a fixed amount in exchange for an unknown outcome is impermissible due to ignorance (jahala) and excessive uncertainty (gharar). However, the cooperation among Muslims and the donations from the wealthy among them to assist those in need is considered cooperation in righteousness and piety. If a person is compelled to pay for insurance, there is no sin upon him.