What is the ruling of Sharia on the attached housing loan contract for the staff of the Social Security Corporation?

In case a member of  the Pension Fund failed to pay outstanding contributions, what is the ruling  of Sharia on imposing doubled delay penalties?

A social solidarity fund has been established to provide for the families of the subscribers after the latter`s death where beneficiaries, named by subscribers, are given a compensation. Is this sum considered part of the inheritance? and is it permissible that the subscriber names certain beneficiaries other than the inheritors?