Is it permissible for a shareholder in the capital of a cooperative insurance company to take a percentage of the profit when the company is established? And what is the permissible amount?

Cooperative insurance is an agreement among several individuals to pay a subscription to compensate for damages that may befall one of them. These funds can be invested in permissible activities that yield profits for everyone. The subscribers do not aim for trade but rather for risk distribution and cooperation in bearing damage. The distribution of profits to shareholders is permissible. The shareholders' ignorance of the amount of benefit does not harm because they are volunteers, so there is no risk (mukhatara), no excessive uncertainty (gharar), and no gambling. The management can participate with its own funds alongside the contributed funds and divide the profit according to the agreement. Establishing a well-regulated and successful cooperative insurance company requires sitting down with legal and economic specialists.