What is the Sharia ruling on life insurance paid by the company to the employee without his request, whereby the employee is compensated for physical injuries, a portion of the premiums is refunded upon termination of service, and his family is compensated upon his death, knowing that the employee did not request this insurance and did not contribute to paying its premiums?

All forms of insurance are impermissible, except for cooperative insurance. Therefore, whoever participates in prohibited insurance willingly is sinful, but whoever participates under duress is not sinful. In both cases, one should only take back what they paid. However, if one did not pay anything, it is not permissible for them to take anything from it, because it is money derived from a void contract.