Insurance vs. Assurance

Piggy Bank

I’m probably going to step on a lot of toes with this post. I apologize for that, but I do hope you will prayerfully consider what I have to say.

My place of employment was visited this morning by a man selling life insurance.

I don’t begrudge my employers for allowing him to come and present his case. However, his handling of Scripture in an attempt to validate life insurance was inexcusable.

The Talents

He appealed to Jesus’ story of the talents (Matthew 25:14–30), saying that we as stewards must be faithful with the funds God has entrusted to us. In this point I agree.

But what does it mean to be faithful with God’s funds? Does it mean using them to make provision for our future earthly needs? Absolutely not!

Faithful stewardship means giving away what we have to those who need it right now.

A Solid Foundation

The salesman also appealed to the story of the wise man and the foolish man (Matthew 7:24–27). The foolish man, having built on the sand, saw his house destroyed because of its poor foundation.

And so, our salesman surmised, we must be sure that we have a solid foundation for the future.

This quite frankly astounded me. I of course agree that we must have a solid foundation, but Jesus was perfectly clear about what that solid foundation is.

“Everyone who hears these words of mine and does them is like a wise man who built his house on rock.” (Matthew 7:24, NET)

And what are these words of Jesus that we must do? Here are just a few from the previous chapter.

“Do not accumulate for yourselves treasures on earth, where moth and rust destroy and where thieves break in and steal. But accumulate for yourselves treasures in heaven, where moth and rust do not destroy, and thieves do not break in and steal. For where your treasure is, there your heart will be also.” (Matthew 6:19–21, NET)

“Do not worry about your life, what you will eat or drink, or about your body, what you will wear. Isn’t there more to life than food and more to the body than clothing?” (Matthew 6:25, NET)

“So then, don’t worry saying, ‘What will we eat?’ or ‘What will we drink?’ or ‘What will we wear?’ For the unconverted pursue these things, and your heavenly Father knows that you need them.

But above all pursue his kingdom and righteousness, and all these things will be given to you as well.

So then, do not worry about tomorrow, for tomorrow will worry about itself. Today has enough trouble of its own.” (Matthew 6:31–34, NET)

Life insurance is not a solid foundation. Life insurance is a humanly-devised scheme that flies in the face of Jesus’ commands to simply trust in God to provide.

To ignore these words of Jesus would be to build on the sand. If we want a solid foundation for the future, we must trust that God will provide for us and our own families.

Instead of making our own provisions, we must use our funds for others who need help right now.

A Better Assurance

I don’t know about you, but I have absolutely no assurance in insurance. Any number of things could prevent insurance from coming through when needed.

On the other hand, if we simply trust in God, we have an absolute, unshakeable promise that he will provide for us.

Why on earth would I trade God’s assurance for man’s insurance?

Building Barns

Jesus only promised that God would provide for those who place his kingdom first. He had another response to those who sought to provide for their own future.

“The land of a certain rich man produced an abundant crop, so he thought to himself, ‘What should I do, for I have nowhere to store my crops?’ Then he said, ‘I will do this: I will tear down my barns and build bigger ones, and there I will store all my grain and my goods.

And I will say to myself, “You have plenty of goods stored up for many years; relax, eat, drink, celebrate!”’

But God said to him, ‘You fool! This very night your life will be demanded back from you, but who will get what you have prepared for yourself?’ So it is with the one who stores up riches for himself, but is not rich toward God.” (Luke 12:16–21, NET)

But I know the alternate argument. If we don’t “build barns,” how will we provide for our families?

Look at the birds in the sky: They do not sow, or reap, or gather into barns, yet your heavenly Father feeds them. Aren’t you more valuable than they are? (Matthew 6:25, NET)


I do want to tread carefully here. I am not the Spirit, and I can’t be sure how he is leading you. It is not my intention “to pass judgment on another’s servant” (Romans 14:4, NET).

Only you can seek God’s will for your own life, and you will stand or fall before your Master yourself.

What I do know is that God’s promise to provide is absolute, while man’s insurance is fragile and untrustworthy.

I have God’s assurance that he will provide for my future and that of my family.

There are other families who desperately need my money right now.

I was once young, now I am old.
I have never seen a godly man abandoned,
or his children forced to search for food.

All day long he shows compassion and lends to others,
and his children are blessed. (Psalm 37:25–26, NET)