life insurance, faith

Does Life Insurance Make God a Fiction or Put Faith in Action?

“Go to the ant, you sluggard;  consider its ways and be wise. It has no commander, no overseer or ruler, yet it stores its provisions in summer and gathers its food at harvest.” – Proverbs 6:6-8

Studies show that the most common reasons for Life Insurance aversion are culture and religion. In view of culture, scholars attribute this to the practice of “short-term thinking” and procrastinating, which, to most, has caused more harm than good due to its unproductive output; For the latter, it is attributable to one’s faithful adherence to teachings that are seemingly being challenged by this concept, that to some, including Christians, is non-biblical and a display of lack of faith.

However, in the recent years, more and more people believe that change and fruitfulness can be achieved through financial freedom, with life insurance as one of its catalyst. But, some still see it as an unfaithful way to deal with life’s losses. For some, this causes confusion, emerging from the difference between acquiring self- protection and trusting God’s provision.

“Are not two sparrows sold for a penny? Yet not one of them will fall to the ground outside your Father’s care.”- Matthew 10:29.

How then can Life Insurance find its way into a person’s way of life with confidence in its principles and at the same time, faithfulness to and trust in God?

“I don’t believe in Life Insurance”.

This is a rebuttal often received by its advocates. Most would refute this notion, or what they call as “fiction”, by saying, Life Insurance is not a religion nor is it an edict that one must adhere to or believe in, for it to be considered applicable to one’s life; that it is, in plain words, just money, in case of emergency. Some people find this lofty and or temporal as it seems centered on man’s sole ability to fend for himself and the failure to do so would reflect on his personhood, thus, making him feel insecure and unworthy.

While some see Life Insurance as lack of faith or a love of money, others take it as prudent planning and a wise stewardship of God’s resources. You’ll be surprised that the lives of most who appreciate life insurance are centered in the Gospel. They seek the Scripture for answers. And as they find, many verses in the bible support the need to plan ahead to protect God’s provision. After all, everything on earth is not ours but God’s and so we must be responsible stewards over all these things by having the ability to work hard and prepare for what’s to come. These things include our material wealth, health and families. Basically, our 3 T’s: Time, Talent and Treasure.

In the story of Joseph, in Genesis 41, he obeyed God’s command by carefully planning ahead to prepare for the future. His wise actions saved not only the people of Egypt and Israel, but the entire world from devastation.

Another lesson we can learn from the Bible on preparing for future mishaps is found in Proverbs 27:12. It says: “A prudent man foresees the evil, and hides himself; but the simple pass on, and are punished.”  And in Proverbs 6:6-8, the principle of hard work and saving for future needs is also greatly underlined.

Just like what is taught in the Bible, we must be able to learn how to take preventive measures to protect ourselves from future misfortunes. Like Joseph and the rest in their time, we have to have the ability to determine ways that can help us in planning. For Joseph, his foresight led him to plant crops to safeguard his people from famine. In our present time, insurance products are conveniently available and accessible to us for this purpose.

In simple terms, Life Insurance is a protection, in the form of money, which is given to the survivors of the insured, when the insured passes away. At least in the olden days, this was how insurance worked. Currently, the evolution of Life Insurance allowed provision for incidents such as disability, accident and critical illness, among others. It also has a feature that allows the insurance policy holder to enjoy the fruits of his or her savings through fund withdrawals, in case the insurance is not used. These are called the living benefits.

With these facts, some would ask, how can I incorporate this in my spiritual life without turning my back from God’s promises of protection and provision?

Life insurance allows us to provide for our families’ future well-being, should we die, become ill or disabled. Through it, we are able to understand more what the Bible says about enduring trials, as mentioned in John 16:33, with the confidence that God will allow us to sustain our needs because he promised that nothing can happen to us that we and He could not handle and that He will provide for us in the hard days. 1 Cor 10:13.

If we believe that God created us to be stewards over all things encompassing our time, talent and treasure, and that we must be diligent in our ways so we could prepare for what the future holds for us, then the answer is yes. If we believe in Ecclesiastes 9:11 that chance and time happen to us all, regardless of the state of the matter, and in 1 Timothy 5:8, then yes, it clearly has found its way. And with assurance, it can be said, that securing a plan should be more than just a fact. It is, without a doubt, Faith in ACTion.

Anyone who does not provide for their relatives, and especially for their own household, has denied the faith and is worse than an unbeliever.” 1 Timothy 5:8

Care for a Treat?

Of course you’d like to be a good steward of God’s resources. So your next step becomes believing what the Bible has to say about it and applying that belief into action. But where do you start? Here’s a free treat to help you:

Take your first step. Find out if you really need a life insurance and if the ones being offered by your friend or agent support your faith and are perfect for your needs. 

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Proverbs 31 Woman

30 thoughts on “Does Life Insurance Make God a Fiction or Put Faith in Action?

  1. After a bogus service from the company where we entrusted money for educational insurance plans, I’m still hesitant about getting a life insurance plan for me and my family… This post, although enlightening, is still not enough for me to change my mind about insurance plans in general. 😦

    Liked by 1 person

    1. Hi, Nicole! I totally understand where you are coming from. My family too was once a victim of an educational plan that did not materialize. It caused us major financial setbacks. However, when I got my own life insurance, I learned its difference from a pre-need plan such as a college assurance plan. That really opened my mind to the potential of my hard earned money when invested in life insurance products with investment component, by stable and reputable companies.

      I would be happy to enlighten you more on this topic, Nicole! 🙂 I could help you go through possible options for your family. This is my email: ❤ hope to hear from you soon.


  2. I know someone who wouldn’t go with life insurance as well because of the same reason, like we’re questioning our faith in God, etc. As a christian (and as someone planning to have life insurance in the future), although we don’t have life insurance yet, I think what’s good about life insurance is the fact that when it happens, your family, will not be too financially burdened. That’s how I see it.

    Liked by 1 person

  3. Hi Nilyn!

    Thank you for your comment. Yes, you are correct. That is what is good about life insurance. Im so glad you could resonate. If you want to know more about it, even if you are not yet ready, I would be glad to share some tips with you. Send me your questions through my email. Hope to hear from you, soon! 🙂


  4. About 2 years ago, I also did some research about it because I was also a little bit conflicted. Does getting an insurance mean putting your faith on man rather than on God? But I found out the same things explained here. It’s not about blind faith; it’s all about stewardship and putting God’s blessings to good use. So, just like medicine, I believe insurance is also a gift from God. God’s wisdom indeed exceeds ours!

    Liked by 1 person

  5. I do believe in Life Insurance as a way of preparing for the future. It’s like the parable of the talents. We are to invest our wealth and the resources made available to us at work, all for the affairs of God’s kingdom.

    Liked by 1 person

  6. I believe in life insurance. I got a plan for myself years ago as well as for my boys. I even prefer life insurance than educational plan as the first educational plan I got for my son was just put to waste. That company closed shop years ago.

    Liked by 1 person

  7. I personally believe in life insurance. There is nothing wrong in carefully using what God has provided so that we can be financially independent individuals.

    Liked by 1 person

  8. I think God will not mind if I get my life insurance. It is for the needs of my kids in case whatever happens to me. So atleast I am in peace that I can leave something to them. I also heard a lot of horror stories about educational plans. It is really best that we do our research and be up to dates with what are happenings around us, that may help us really hard with our decisions.

    Liked by 1 person

    1. Thank you for sharing, Neri Ann. 🙂 yes, we should be more discerning on who to trust when it comes to our hard-earned money. Doing a 5- minute google search on a company’s stability and performance could go a long way. 🙂 God bless you and your family more.


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