What is the ruling on subscribing to commercial insurance for one's wife and children, given that the company deducts an amount from the salary without consulting the employee, and there is no direct financial dealing with the insurance company, especially considering the dire need for this insurance?

If employee insurance is one of his obligatory rights upon the company, then he is entitled to claim this right from the entity to which the company referred him, and the invalidity of the contract between them does not harm him. However, insuring his wife and children is not permissible if the employee pays the insurance premium.