Is paying a fixed monthly amount to invest it in an Islamic bank, then receiving the full amount paid along with the profits upon resignation, considered usury (riba)? And is deducting an amount from each participating doctor for the family of a deceased doctor considered forbidden life insurance?

It is permissible for employees to pay a fixed monthly amount for investment in an Islamic bank, provided that the participant recovers the invested amount plus profits upon resignation, on condition that the bank adheres to Sharia guidelines. It is also permissible for employees to agree to donate a portion of their wealth upon the death of one of them, to be given to his family. Furthermore, it is permissible to establish a fund for this purpose and to meet other needs such as Hajj and marriage, provided that the intention is donation and not compensation. This is considered a form of cooperative insurance, and if the fund's money is invested, the investment must comply with Sharia guidelines.