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Do Christians Need Insurance?

Insurance n. 1. a system of protection against loss in which a number of individuals agree to pay certain sums (premiums) periodically for a guarantee that they will be compensated under stipulated conditions for any specified loss by fire, accident, death, etc.

     With insurance to compensate us for losses due to death of loved ones, earthquakes, floods, winds, fires, hospitalization, unemployment, lawsuits, burglary, car wrecks, and other calamities - who needs God? Everybody needs God, but no Christian needs insurance.

A System of Protection

     If you take an objective look at what insurance really is and how this compares to scriptural truths, then you can better understand how God looks at this issue. First, insurance is a system of protection. Satan has schemes within his world system to meet the "needs" of worldlings. These are usually implemented in such a way that deceives the lost into thinking that they can get along quite well without God.

     Insurance plans, Social Security, Medicare, Medicaid, welfare programs, and other similar schemes are all part of the world system from which Christians are to be separated. The Devil wants to get Christians dependent on the world system. And he wants God's children to take their eyes off of their true Provider. The enemy desires that we become as independent as possible from the Lord Jesus Christ. Nowhere are insurance schemes of the world part of God's plan for His people.

Guarantee of Compensation

     Second, insurance is a guarantee that the policyholder will be compensated for his loss. From the world's point of view, the best insurance is that which restores a victim as nearly as possible to a pre-loss condition or better, with as little inconvenience as possible.

     Providing a system of protection that guarantees being compensated for the loss of possessions or loved ones is foreign to the Scriptures. This includes church-sponsored insurance programs. All of these, by their very nature, violate scriptural principles.

     We should have the attitude of Job in the Old Testament. After losing his business, his house, and his children, the Godly man said, "Naked came I out of my mother's womb, and naked shall I return thither: the Lord gave, and the Lord hath taken away; blessed be the name of the Lord." (Job 1:21)

     Later Job even lost his health. But his attitude was the same. He said, "Shall we receive good at the hand of God, and shall we not receive evil? (Job 2:10)

Reasons Why Insurance is Unscriptural

     Having insurance is contrary to at least four scriptural principles: Do not be unequally yoked with unbelievers. Do not share a common purse with sinners. Be content with food and raiment. And, trust God to provide all your needs.

1. Insurance is an unequal yoke. (2 Corinthians 6:14-17)

     Scripture says, "Be ye not unequally yoked together with unbelievers. . . . Come out from among them, and be ye separate, saith the Lord, and touch not the unclean thing."

     With insurance, your funds are pooled together with those of unbelievers. You agree to let an insurance agent settle your disputes according to company policy, not according to the word of God. The insurance company may require that you participate in lawsuits, swearing of oaths, and other activities that Jesus speaks against.

     "Come out of her (the world system), my people, that ye be not partakers of her sins, and that ye receive not of her plagues." (Revelation 18:4)

2. Forces common purse with sinners. (Proverbs 1:10-11, 14-15)

     It is God's will to provide for the needs of His people through the local church, not from the common purse of the world's insurance schemes. God warned us through the Spirit-inspired wise man of long ago, "My son, if sinners entice thee, consent thou not. If they say, . . . Cast in thy lot among us; let us all have one purse: my son, walk not thou in the way with them; refrain thy foot from their path.

3. Promotes Discontent with necessities. (1 Samuel 2:7)

     Both riches and poverty come from God, but many Christians go to great lengths to avert God's working in their life. They are in league with the insurers of this world system so that they will not have to risk doing without their possessions or risk paying on a settlement against them.

     We need to have a healthy detachment from all the temporal things of this world. The apostle Paul said, "I have suffered the loss of all things, and do count them but dung, that I may win Christ. . . . I have learned, in whatsoever state I am, therewith to be content." (Philippians 3:8; Philippians 4:11).

4. Fosters distrust in God.

     God is in control of all events in the world from eternity past, to eternity future. He upholds "all things by the word of His power." (Hebrews 1:3) "In Him we live, and move, and have our being." (Acts 17:28) And He is before all things, and by Him all things consist. (Colossians 1:17) "The righteous, and the wise and their works, are in the hand of God." (Ecclesiastes 9:1)

     The Lord, in whose hand is the soul of every living thing, and the breath of all mankind, is the Sovereign One who controls the minutest details of our lives. (Job 12:10) "A man's heart deviseth his way: but the Lord directeth his steps." (Proverbs 16:9) "I form the light, and create darkness: I make peace, and create evil [calamity]: I the Lord do all these things." (Isaiah 45:7)

     We should not try to avoid poverty in the event of "calamity" created by God - loss of property, or health, or lawsuit. "Behold, as the clay is in the potter's hand, so are ye in mine hand." (Jeremiah 45:7) "And we know that all things work together for good to them that love God, to them who are the called according to his purpose." (Romans 8:28)

     The psalmist wrote, "It is better to trust in the Lord than to put confidence in man." (Psalm 118:8) The world system, under God's sovereign hand, is controlled by Satan who has devised many schemes to cause man to conform to the ways of the world and to rely on that system rather than God. The Lord told us through the apostle Paul to "be not conformed to this world." (Romans 12:2) "God shall supply all your need according to his riches in glory" (Philippians 4:19) In the Scriptures, Egypt is a type of the world. God said, "Woe to them that go down to Egypt for help." (Isaiah 31:1)

Christians Must Not Compromise

     We must not compromise the Word of God by having insurance for any reason. We don't obtain insurance to protect the "other guy," nor for hospitalization and major medical expense, nor for fire insurance on a mortgaged house, or collision insurance on a financed car. Nor can we obtain liability insurance to drive a car because that would compromise Christ's principles.

Protecting the "other guy":

     Insurance is not purchased to protect the "other guy." The truth is that liability insurance protects you from possible financial ruin if the "other guy" sues you for damages.

Medical Insurance

     If it is God's will for one of His own to use the services of a physician or hospital, then He will provide the money to pay them without borrowing and without insurance. But a Christian should always go to the Lord first. The Scriptures have a few things to say about this subject: "Asa in the thirty and ninth year of his reign was diseased in his feet, until his disease was exceeding great: yet in his disease he sought not the Lord, but to the physicians." (2 Chronicles 16:12)

     Luke recorded the following incident: "A woman having an issue of blood twelve years, which had spent all her living upon physicians, neither could be healed of any." (Luke 8:43) It was only when she went to Jesus that she was healed.

     God has provided a remedy for His people with health problems: "Is any among you afflicted? let him pray. . . . Is any sick among you? let him call for the elders of the church; and let them pray over him, anointing him with oil in the name of the Lord: and the prayer of faith shall save the sick, and the Lord shall raise him up. . . . Confess your faults one to another, and pray one for another that ye may be healed." (James 5:13-16)

     It is not always God's will to heal our infirmities. The apostle Paul apparently had a problem with his eyes because of a messenger of Satan that was sent to buffet him to keep him from being proud. (2 Corinthians 12:7)

     After Jesus refused to heal him, Paul said, "Most gladly therefore will I rather glory in my infirmities, that the power of Christ may rest upon me." (2 Corinthians 12:7-9) And Timothy was told by Paul to use a little wine for his stomach and frequent infirmities. (1 Timothy 5:23) Another case in which God chose not to heal was that of Trophimus whom Paul left at Miletum sick. (2 Timothy 4:20)

     Many Christians think they have a "right" to partake of the services offered by medical corporations. Again, if it is God's will for one of His own to spend thousands of dollars on hospital and doctor bills, He will provide the money without borrowing and without insurance.

Fire insurance and collision insurance required by lenders

     It is not God's will for you to borrow money to buy a house or anything else. The Scriptures are clear about this. "The borrower is servant [slave] to the lender" (Proverbs 22:7) and "Owe no man anything, but to love one another." (Romans 13:8)

Liability Insurance Required by Law

     Many Christians, who do not have any other insurance, have been seduced into buying car insurance. Mandatory insurance laws have forced anyone registering a car to obtain insurance.

     We have become virtually dependent upon automobiles. But the Word of God is the standard by which we must live, regardless of how "developed" our society may become. Yet if we must violate scriptural principles to continue driving, we must find other options.

One option is to travel in cars under the authority of the Great Commission. Before we take a car on the road, we are committed to being responsible for our actions. If we damage life or property, we must make restoration to the best of our ability. We rely on Almighty God's assurance plan to make a way for us in times of trouble and adversity.

The LORD shall preserve thy going out and thy coming in from this time forth, and even for evermore. Psalm 121:8

Psalm 91 - God's Assurance

  1. He that dwelleth in the secret place of the most High shall abide under the shadow of the Almighty.
  2. I will say of the LORD, He is my refuge and my fortress: my God; in him will I trust.
  3. Surely he shall deliver thee from the snare of the fowler, and from the noisome pestilence.
  4. He shall cover thee with his feathers, and under his wings shalt thou trust: his truth shall be thy shield and buckler.
  5. Thou shalt not be afraid for the terror by night; nor for the arrow that flieth by day;
  6. Nor for the pestilence that walketh in darkness; nor for the destruction that wasteth at noonday.
  7. A thousand shall fall at thy side, and ten thousand at thy right hand; but it shall not come nigh thee.
  8. Only with thine eyes shalt thou behold and see the reward of the wicked.
  9. Because thou hast made the LORD, which is my refuge, even the most High, thy habitation;
  10. There shall no evil befall thee, neither shall any plague come nigh thy dwelling.
  11. For he shall give his angels charge over thee, to keep thee in all thy ways.
  12. They shall bear thee up in their hands, lest thou dash thy foot against a stone.
  13. Thou shalt tread upon the lion and adder: the young lion and the dragon shalt thou trample under feet.
  14. Because he hath set his love upon me, therefore will I deliver him: I will set him on high, because he hath known my name.
  15. He shall call upon me, and I will answer him: I will be with him in trouble; I will deliver him, and honour him.
  16. With long life will I satisfy him, and shew him my salvation.