What is the ruling on life insurance in Europe, given that they give the deceased's family one month to pay the deceased's bills, after which his entire balance is withdrawn, and also given that there is mandatory car insurance?

Commercial life insurance – which is what comes to mind here – is a contract of exchange in which the insured pays regular premiums to the insurer, who then pays the insured or beneficiary an agreed-upon sum upon death or reaching a certain age. It is not permissible to voluntarily participate in this type of insurance. The European Council for Fatwa and Research, along with other Fiqh councils, have affirmed the impermissibility of commercial life insurance due to its inclusion of gharar (excessive uncertainty), riba (usury), and jahalah (ambiguity). There is no religious impediment to life insurance if it is based on cooperative (Takaful) insurance, where the donor commits to non-refundable premiums, and risks are covered from a dedicated fund. As for cases of legal or professional compulsion, these are permissible under Islamic law.