What is the ruling on selling a retirement pension for a sum of money or a car, knowing that the pension does not cease upon the death of its original owner but rather transfers to the buyer?

It is not permissible to sell a retirement pension, whether for cash or in exchange for goods. Selling it for cash is prohibited usury (riba) because it involves riba al-nasi’ah (usury of delay) and riba al-fadl (usury of excess), along with uncertainty (jahalah) and gharar (definition) (excessive uncertainty/risk). As for selling it in exchange for goods, it involves gharar and jahalah due to not knowing the total amount of the sold pensions. The Prophet, peace and blessings be upon him, forbade sales involving gharar. Furthermore, jurists stipulate knowledge of the sold item for the validity of the sale. This pension is considered to be like a debt owed to the employee, and it is not permissible to sell a debt to anyone other than the one who owes it.