Is it permissible to get life insurance for 20% at work, knowing that it is optional, unlike the remaining 80% which is mandatory according to the positive labor law in Algeria?

It is not permissible to participate in commercial insurance, which is prohibited, unless a person is forced to do so. In that case, the sin falls upon the one who compelled him. However, choosing to participate is not allowed due to the elements of gharar (uncertainty), qimar (gambling), and maysir (gambling). Allah (the Most High) says: "O you who have believed, indeed, intoxicants, gambling, [sacrificing to] stone altars for idols, and divining arrows are but defilement from the work of Satan, so avoid it that you may be successful." (Al-Ma'idah: 90). As for cooperative or Takaful insurance, there is no objection to participating in it voluntarily.