The islamic insurance system: Sharing the risk

There is conscience between modern fighs that the commercial insurance,which is based on shifting risk for premium are prohibited,because of the uncertainty involve,while mutual insurance where the risk is shared by beneficiaries. but the islamic insurance companies choose a synthesis insurance system,it mixed the commercial with the mutual insurance system,as it shift the risk for premium but beneficiaries share the surplus and to avoid the uncertainty objection in the transaction the premium is considered as a grand,the system suffer internal logical inconsistency. the article tried to solve it by considering the premium is the share of the beneficiaries in accompany its objective is to protect any of its share holder the risk,the system is supported by figh literature.