The compensation system employed by the university where I work stipulates that in case of death, an employee`s family shall receive so much as twelve times his basic salary. In return, the university receives a group insurance document that covers death, total disability, and permanent partial disability. Accordingly, what is the Islamic ruling on the following: 1-Employees benefiting from the insurance although they had no say as to subscribing to it or not? 2-Human resources managing insurance contracts and dealing with insurance companies, as part of their job description?