Why is it permissible to benefit from health insurance provided by the company, but impermissible to benefit from life insurance provided in the same manner?

All Fiqh councils have unanimously prohibited commercial insurance, whether it be life insurance, health insurance, or any other type. In cases of compulsion, an employee is permitted to benefit from commercial insurance only to the extent of the amount paid by their company. However, in cases where there is no compulsion, it is not permissible to subscribe to it.