What is the ruling of Sharia on the Income Protection Plan sold by the American insurance company (ALICO), and what is the ruling on working in marketing this plan, especially in Palestine, given the country's circumstances and the scarcity of job opportunities?

This company, as appears from its website, is a commercial insurance company. Commercial insurance, of all types, is forbidden due to the elements of gambling (maysir (definition)) and excessive uncertainty (gharar (definition)) it contains. Therefore, it is not permissible to subscribe to this program or market it if it is a type of commercial insurance, as it involves committing a forbidden act and assisting in it. It is advised to establish cooperative funds or cooperative insurance companies based on permissible mutual support (takaful).