Is it Islamically permissible for work insurances, to which the employer and employee contribute, and which include an usurious increase upon receipt, to be considered lawful? And is it permissible for an accountant to provide consultation regarding them?

This form of insurance is forbidden. A Muslim must initially avoid it, but if he becomes involved in it, he is only entitled to what has been deducted from him in actual premiums. Any surplus from profits must be disposed of by spending it on the welfare of Muslims, such as the poor and the needy. If insurance is forbidden by Islamic law, it is not permissible to assist in it in any way, including promoting it, for the Prophet, peace and blessings be upon him, said: "Whoever calls to misguidance will have sin upon him like the sins of those who follow him, without that diminishing any of their sins."