Is the value of a car obtained through a lease-to-own agreement considered a debt owed by the deceased, especially if the deceased is a foreigner with no one to pay on his behalf, given that the car is comprehensively insured to include death?

Lease-to-own agreements proceed through two phases: the lease phase, followed by the ownership phase through a gift conditioned upon the payment of lease installments. The death of the lessee does not invalidate the lease agreement; instead, the ownership of the usufruct of the car transfers to the heirs, who inherit the remaining installments. If the lessee had paid all installments up to their death, their financial obligation is cleared. If not, the debt is settled from the estate. The company follows the agreed-upon procedures when heirs delay payment, and it may stipulate the right to annul the contract. Insurance pertains to the car and damages and has no relation to the installments or their transfer to the heirs. Any contractual deviation from what has been stated necessitates a review by the Sharia Supervisory Board.