What is the ruling on subscribing to a retirement insurance program through which the company trades in real estate and government bonds via an interest-based bank, knowing that the full amount paid can be withdrawn?

It is not permissible to voluntarily participate in commercial insurance companies, nor to invest money with them. It is sufficient for the prohibition of dealing with them that they invest their money through a usurious bank in bonds and other instruments. Permissible ways of investing money are many, and whoever fears Allah, He will make his matter easy and provide for him from where he does not expect. The Prophet, peace and blessings be upon him, said: "Indeed, the Holy Spirit inspired in my heart that no soul will die until it completes its provision. So, fear Allah and be moderate in seeking (provision), and do not let the delay in provision lead you to seek it through disobedience to Allah, for what is with Allah cannot be attained except by obeying Him."