What is the ruling on insuring a taxi, which is considered the sole source of livelihood, taking into account the high repair costs in Western countries? And is it permissible to insure life?

Commercial insurance of all types, whether on individuals (such as health and life insurance) or property (such as car and shop insurance), is unlawful (haram). This is because it involves gambling ( Maysir) and excessive uncertainty (Gharar), and it is not permissible to participate in it.