What is the ruling on benefiting from a loan from a company whose contract includes a clause about "life insurance" even though it is not actually applied?

It is permissible to take a benevolent loan as long as it does not necessitate subscribing to life insurance. The mere presence of a clause in the contract related to insurance, without compulsion from the lending institution or obligation from the borrower, does not prevent it, provided the insurance is commercial. However, if the insurance is a Sharia-compliant Takaful, then there is no objection to subscribing to it in principle, nor to it being a mandatory condition for obtaining the benevolent loan.