Is it permissible to open an account in a bank that requires subscribing to an investment and life insurance company, with a portion of the amount invested at an unstable profit, and compensation paid to heirs in cases of disability or death, and what is the ruling on life insurance without investing the amount?

It is impermissible to deposit money and invest it in usurious banks because their transactions do not adhere to the rulings of Islamic law. Whoever needs to invest their money should do so in an Islamic bank whose transactions conform to the regulations of Islamic law. As for commercial life insurance, it is impermissible, whether it is in a usurious bank or elsewhere, and whether it is related to money investment or not. However, cooperative insurance is permissible.