Should a Christian get insurance?

As to the question of insurance, it must entirely depend upon a man's faith. We assuredly believe it is much better to trust in the Living God than in an insurance policy. But then it must be a real thing. It is a poor affair for a man to say he is trusting in God and therefore he will not insure his life, if he is not really in the truth and power of what he is talking about. It may often happen that a man refrains from insuring his life so he will have more to spend on himself, while he deceives himself by the mere profession of faith without one atom of reality.

In the case of a mere man of the world, it is very commendable in him to curtail his personal expenses to secure something for his wife and family in the event of his death. But in the case of a Christian, he ought to be able to trust God. It is his privilege to do so, and God will assuredly answer faith. Insurance is not faith, but faith gives assurance. God is better than insurance, but God must be known in order to be trusted. There is no use talking about faith if one has not got it. Faith is reality; mere profession is a sham. May God make us real!

"S." You ask, "Is it right to lay up money for the future?" This is entirely a question between the heart and the Lord. If one cannot fully trust the Lord for the future, both for himself and for his family — if one has not such a sense of what God is, and what the life of faith is, as to lift the heart entirely above the range of creature confidence, human hopes, and earthly expectations, he can, of course, only lay up money, or insure his life. In the case of a mere man of the world, it is very laudable to deny himself in order to lay up for his wife and children; but the man of God stands on different ground altogether. We believe it is better to trust in the Lord than to put confidence in a store of money, or in an insurance policy. "Leave thy fatherless children to me, and let thy widows trust in me." We have often seen the truth of the old proverb: "If you lay up for a rainy day, God will send you a rainy day." And as to children, the best provision you can make for them is, to teach them to provide for themselves by honest industry.

[It should be a serious question with a child of God, ere he avails himself of an assurance company, whether in the matter of fire or life, "Am I, hereby, distrusting God? or, am I seeking by human agency to counteract divine visitations? There is something sadly anomalous in a Christian's insuring his life. He professes to be dead, and that Christ is his life: why then talk of insuring his life? But many will say, "We cannot bring Christianity into such things." I ask, Where are we to leave it? Is Christianity a convenient sort of garment, which we put on on Lord's day, and at the close of that day take it off, fold it carefully up, and lay it on the shelf till the following Lord's day? It is too often thus. People have two characters; and what is this but the leaven of the Pharisees, which is hypocrisy? Insurance offices are all very well for the men of this world, who should certainly avail themselves of them, inasmuch as everything around and within is so uncertain, but to the child of God, all is sure. God has insured his life for ever; and, hence, he should regard insurance offices as so many depots of unbelief.] These things do very well for men who are only governed by now; but the disciple of Christ is to be governed by then. This makes all the difference; and truly it is a serious difference.

We have read your letter with deep interest and we can enter into your feelings. We believe the Christian is bound to provide for his family, day by day — bound to educate his children and put them in the way of earning an honest livelihood. All this is so plainly commanded in the New Testament as to admit of no question. But these sacred duties leave wholly untouched the question of hoarding up and of speculation. We do not believe in these latter at all. We believe that hoarding covers the soul with rust and speculation fills the heart and mind with care and anxiety.

As to any other questions that may arise, such, for instance, as to whether one should lay up for one's family, they can only be settled by each one individually waiting on the Lord and receiving special guidance from Him. For his guidance he will find on the one hand such Scriptures as "I have been young and now am old, yet have I not seen the righteous forsaken, nor his seed begging bread. He is ever merciful and lendeth, and his seed is blessed" (Psalm 37:25-26); and on the other hand, "I will not be burdensome to you: for I seek not yours, but you; for the children ought not to lay up for the parents, but the parents for the children." (2 Cor. 12:14.) Let every man be fully persuaded in his own mind. One thing is, however, clear, that if a man does not make provision for his family, such as a prudent man of the world makes, and in consequence spends more upon himself than he would otherwise be able to do, expecting the saints to care for his family, and thus throwing them as a burden on the Church, then he is neither acting in faith, nor in an upright, godly manner. Such conduct can unhesitatingly be condemned as unrighteous. If he has faith to spend in the Lord's interests, not only what he would naturally do as a Christian, but also over and above what he would save up for his family, well and good, but without faith it is impossible to please God, and counterfeit faith is worthless.

None of the New Testament writers omits this topic. They warn us over and over again not to put our trust in material or financial assets for we can lose these overnight. So many things can go wrong. True, we can cover some risks by insurance (such as fire), but God has many ways to bring home to us the transitory nature of riches. Nor does it have to be an investment portfolio that loses its value dramatically. God has many ways to discourage us from putting our confidence in assets we have tried to protect. Those who think they are secure because of their material wealth are greatly mistaken. There are many cases in the history of Christianity that warn us against this misconception.

What then has the child of God to do with fear? His only fear should be lest he might be unfaithful, and fear man more than God, lest he should forget that ceaseless care of love which makes him invulnerable to every weapon wherewith Satan seeks to compass his destruction, until the time appointed of God. The children of God, if they were in the power of this truth, would also be far less restless and anxious in times of sickness. God may permit us the use of means, but how often are these resorted to in a spirit of unbelief, as if our recovery were entirely dependent upon human aid and advice. Surely if a sparrow cannot fall on the ground without the permission of our Father, His children cannot. No, the very hairs of our heads are all numbered, and God is honoured by our perfect calm and confidence in the face of the greatest dangers, resting, as we may, in the assurance that diseases and enemies alike are but instruments in His hands, for the execution of His own purposes of tenderness and love.

The Lord applies this also in another way. Passing as pilgrims and strangers through this world we have certain needs. We are independent of the scene altogether excepting as regards our bodies. In all other respects we are made to feel with the Psalmist that it is a dry and thirsty land where no water is. But our bodies have needs; they must be fed and clothed. Our blessed Lord, in His tenderness for and sympathy with us, takes notice of these our wants; and He does so because He knows how often care, springing out of these necessities, comes between our souls and Himself, and prevents all possible enjoyment of the Father's love. In the parable of the sower indeed He mentions the cares of this world as one of the things that choke the seed of the Word, so that no fruit is brought to perfection. He therefore provides also an antidote for this evil. He tells His disciples to take no thought, i.e. to have no anxiety, for their life, what they shall eat, nor for their body, what they should put on. And, to enforce the exhortation, He reminds them that the life is more than meat, and the body than raiment; and then He adduces two illustrations of God's care that would ever meet their eyes — the fowls of the air, and the lilies of the field. They could scarcely step out of their houses without seeing bird or flower, and then He would have them remember that God fed the one and clothed the other, and that if so, seeing they were of more value in His eyes than either ravens or lilies, much more would He feed and clothe them.

(6) Finally, He gives us a limit for care, which by itself would very much exclude it. How much of the burden that we carry belongs really to the morrow, ― a burden not yet legitimately ours: for who can really tell what shall be on the morrow? Each day will have its own sufficient evil ― not too much, for a careful hand has apportioned it: but by borrowing trouble not yet come, we not only necessarily make the burden of the day too heavy, but we cannot reckon upon divine grace for that which is not come, and bear it thus so far without assistance. Nay, we have lost Him from our thoughts in all this calculation of the unknown future which is in His hands. How often has love in the most undreamed of way, disappointed all our fears!

In all this it is not taking thought for the morrow that is forbidden us, but taking care, (in the full sense of care). The word used has been claimed in these different senses by different interpreters; but it certainly is derived from one which suggests "division," and so "distraction" of heart; and this is completely in accordance with the warning about singleness of eye and divided service. Moreover, James, where he is speaking explicitly of the boasting of those who say, "Today or tomorrow we will go into such a city, and continue there a year, and buy and sell, and get gain," corrects such a speech in this manner, that "ye ought to say, If the Lord will, we shall live, and do this or that" (James 4:13, 15). He blames only the confident assurance of the speech, and not all "taking thought for the morrow." This, in fact, should be evident: the whole current of our lives would be changed by the contrary supposition, which those who make it have immediately and seriously to modify.

It was necessary that these things should be solemnly charged upon the saints in order to preserve them from the blame that wrongdoing brings: they must not be ignorant of these serious matters. Verse 8 of course refers to one whom we have seen to have responsibility for his close relatives, including widows. He should provide, at least if he is at all able, for his own near relatives who require care, but, of course, specially for those of his own house. If by irresponsible neglect he does not do this, in practice he denies the wholesome truth of Christianity; and his practice being in opposition to his profession (for this refers to one claiming to be a saint), he is worse than an unbeliever; it is virtual hypocrisy.

"But if one neglect providing for his own, and especially his own house, he hath denied the faith, and is worse than an unbeliever." Even nature teaches the contrary. What can be more distressing than, with the possession or even the profession of Christian privileges, to fall short of ordinary righteousness or of family affection? To neglect care for one's relatives and especially for those that compose the household is in the apostle's energetic language to have denied the faith and to be worse than an unbeliever. Unfeeling selfishness is a denial of the faith; for what has not God given to us in His own Son? He who confesses such grace is bound to manifest fruit in accordance with the Christ in Whom he believes. If he refuses, how many heathen would put such a man or woman to shame! It is usually an effort to lay one's own burden on others without any adequate reason, and contrary to the strongest dictates of not love only but propriety. Certainly God's church was never meant to be a club for the exercise of covetousness, but to be a school of divine love, and of righteousness unto holiness. And woe be to those who despise the importance of these injunctions, whether the motive be the lowest personal interest, or the pretension be that Christianity is so high as to exclude these natural relationships! Self, and not Christ, will be found at bottom to be the root of the latter as of the former. Only He gives scope and force to all scripture; whereas error may often hide itself behind one part of the word, which it misuses to deny another part. Faith welcomes and submits to it all. "By faith ye stand."