What is the ruling on benefiting from a loan from a public institution designated for purchasing a car or a building, to be repaid through monthly installments without interest, with a clause in the contract regarding "life insurance" that is not applied?

It is permissible to take a loan to purchase a car or a house with a good loan free from usury. It is not permissible to stipulate life insurance because it is forbidden by Sharia. However, if this condition is not actually applied, meaning the borrower obtains the loan without being obligated to life insurance, then there is no harm in that. The existence of the condition is like its non-existence, based on the hadith of Barirah.