Is it obligatory to refuse a job offer in Canada that includes mandatory commercial life insurance and optional health insurance, given that the insuring company is one and the same in both cases, and that the beneficiary's intention for the mandatory insurance does not exceed recovering what was paid?

Commercial insurance is Islamically prohibited due to the elements of gambling, gharar (excessive uncertainty), and riba (interest) it contains. It is impermissible to work for a company that mandates participation in life insurance, except in cases of necessity or a need that closely approximates it. If you are compelled to work, there is no sin upon you; the sin falls upon the one who forced you into it. In such a case, it is permissible for you to recover what you contributed, even through stratagem. As for voluntary participation, it is prohibited because it is a forbidden contract, and it is impermissible to cooperate in sin and aggression. Even if the amount is a donation from the employer, participation is not permissible if the insurance is commercial and voluntary.