The Christian Dilemma: “If I Trust God, Why Should I Get Insurance?”
For many believers, especially in Africa, insurance is either ignored,
feared, or misunderstood. Some say, "God is my protector—I don't need
insurance." Others worry, "Am I doubting God if I prepare for
emergencies?"
But what does the Bible actually say?
Let’s explore this tension between faith and preparation, and
whether having insurance is truly a lack of trust—or a mark of biblical
stewardship.
What is Insurance,
Really?
At its core, insurance is a system of risk-sharing. You contribute
a small amount (a premium), so that if a major loss happens—like sickness,
fire, death, or accident—the burden is not fully on you.
It's not replacing God. It’s partnering with others for responsible
planning.
Does the Bible Mention Insurance?
Not directly. But Scripture is clear on wisdom, preparation, and
stewardship—all principles that support the idea of insurance.
1. Preparation is
Not a Sin, It’s a Sign of Wisdom
“The prudent see danger and take refuge, but the simple keep going and
pay the penalty.” – Proverbs 22:3 (NIV)
This verse commends foresight, not foolishness.
Whether it's storing grain like Joseph (Genesis 41), or Jesus urging His
disciples to count the cost before building (Luke 14:28), the Bible celebrates
those who prepare wisely.
2. Faith is Not Opposed to Planning
“Go to the ant, you sluggard! Consider its ways and be wise! It stores
its provisions in summer and gathers its food at harvest.” – Proverbs 6:6-8
Faith does not mean being careless or passive.
Trusting God doesn’t cancel the responsibility to prepare for the
future.
Just as farmers sow seeds, workers save money, and parents make plans for
their children, buying insurance can be a tool of faith-informed
responsibility.
3. Insurance
Reflects Love for Your Family
“But if anyone does not provide for his relatives, and especially for
members of his household, he has denied the faith…” – 1 Timothy 5:8
Buying life, health, or property insurance isn’t selfish—it's a
way to protect those God has entrusted to your care.
Insurance doesn't mean you expect the worst—it means you want to secure
your family’s well-being, even if something goes wrong.
But Doesn’t
Insurance Mean I Don’t Trust God?
Absolutely not.
You wear seatbelts. You lock your doors. You carry umbrellas.
Why? Because wisdom doesn't cancel faith—it supports it.
What matters is your heart posture.
If you buy insurance out of fear, anxiety, or idolatry, then yes—it’s a
problem.
But if you do it out of love, wisdom, and a desire to steward well, then
it’s honorable.
God is Still Our
Ultimate Cover
While insurance may cover hospital bills, it cannot cover your eternity.
Only Jesus can do that.
“Unless the LORD builds the house, the builders labor in vain.” – Psalm
127:1
Let your faith remain in God, not in policies, paperwork, or
payouts. But don’t let that faith become an excuse for ignoring practical
wisdom.
Practical
Applications for Christians
- Buy insurance in faith, not fear.
- Research plans that align with
Christian ethics.
- Use it as a way to support your
family, church staff, or mission team.
- Review your policies annually and
pray over your finances.
Final Thoughts: Wisdom AND Worship
You don’t have to choose between trusting God and planning ahead.
Faith doesn’t cancel wisdom. Faith completes it.
Insurance, when approached with the right heart, is not a betrayal of
God—it’s a biblical expression of care, love, and foresight.
So the next time someone says, “Real Christians don’t need insurance,”
kindly remind them:
“Joseph had a plan. Noah built an ark. Jesus said count the cost.”
That’s not doubt—it’s divine discipline.
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