Is it permissible to take a loan from a company that stipulates that borrowers must pay an additional sum of 10,0 dinars from each borrower in the event of the death of one of the borrowers, under the pretext of insurance?

This contract is impermissible because it entails the possibility of benefit for the lender, which is the company, from the loan. Every loan that stipulates a benefit for the lender is usury (riba). If the transaction carries the possibility of usury, it is not permissible. The permissible scenario here is for the borrowers to agree that if one of them dies, they will only pay off the remaining amount due from him, or for them to establish a cooperative fund from which the debt of anyone who dies before repayment is settled. The company is not allowed to stipulate that the borrower guarantees another person, but it is permissible for it to stipulate that he brings a guarantor from outside the group of borrowers.