Is it permissible to deal with Zitouna Islamic Bank in Tunisia to purchase a car via Murabaha, with the signing of a contract that includes paying life insurance and paying an additional amount upon delay in installment payment for the negligent, not for the one facing hardship?

It is not permissible to enter into a Murabahah contract conducted by the bank if it necessitates signing a commercial life insurance contract. However, it is permissible to enter into it if the insurance is Takaful (cooperative) and the bank stipulates it as a means of securing its funds. As for stipulating a late penalty, it is not permissible, and it is better not to enter into a contract that includes such a condition. For those who follow someone who permits it out of necessity and in the absence of alternatives, we hope there is no blame upon them.