What is the ruling on subscribing to an insurance and savings policy for one's son, paid monthly to the bank, such that it is disbursed to the son upon reaching 25 years of age, or to the heirs in the event of the father's death, or the bank undertakes to pay the installments in the event of the father's total disability?

Commercial insurance contracts, including the one mentioned in the question, are prohibited. The insured or their designated beneficiary is only entitled to receive the premiums they paid. The savings contract referred to as a "marriage policy" is also impermissible, because investing in usurious banks is forbidden, and the resulting interest is illicit gain (suht) that one does not own. This illicit gain should be given to the poor and needy or used for the general welfare of Muslims. The depositor is only entitled to their principal. The prohibition of the matter is further confirmed if, in addition to this, the bank pays the remaining premiums from the insurance amount upon the father's incapacity, as this involves a succession of prohibited contracts. In conclusion, insurance and savings in this form are prohibited. One must repent by abandoning and discontinuing them, and the insured is only entitled to their principal.