Insurance vs. Security

Insurance is rampant in our world today. If you don’t believe this, go to your nearest Wal-Mart and attempt to buy any sort of electronic device. More than likely, you will be asked if you want the “2-year replacement plan” or something of the sort. Did you ever think you would purchase insurance for a laptop or a cell phone? That’s the world we’re in. If you think about it, there is insurance for nearly everything in this world that is deemed valuable. Home Insurance, Health Insurance, Auto Insurance, Life Insurance (always the most ironic of the lot), etc. There is even an insurance policy that, for $155 a year, will pay $160,000 if you can prove that you were abducted (and obviously returned) by aliens. I wish I were joking.

What is insurance, really? Every form of insurance (even the alien abduction policy) is an attempt to prevent financial harm due to future events. We pay health insurance so that in the event that we experience physical injury or illness, we will not have to pay unexpected costs. American law dictates that drivers on American highways obtain auto insurance, as a buffer against potential damages done to either driver or their property. Given sufficient funds, one could theoretically insulate themselves from financial disaster of every conceivable type, such as terrorism insurance, kidnap and ransom insurance, and hair insurance.

But is insurance the same as security?

There is a man described in the New Testament that was prepared to live in luxury and relaxation. “The land of a rich man produced plentifully,” it reads in Luke 12:16, and the reaction of this man to his financial surplus was to insulate himself against financial ruin. Verse 17 continues: “and he thought to himself, ‘What shall I do, for I have nowhere to store my crops?’ 18And he said, ‘I will do this; I will tear down my barns and build larger ones, and there I will store all my grain and my goods. 19And I will say to my soul, Soul, you have ample goods laid up for many years; relax, eat, drink, be merry.’”

This man certainly insulated himself against potential financial hardship! With goods stored up for many years, he would have nothing financially to worry about. The problem was, this man had insurance, but not Security! In verse 15 of this chapter Jesus tells the crowd “Take care, and be on your guard against all covetousness, for one’s life does not consist in the abundance of his possessions.” This man found out that his insulation, his Insurance, did not provide him Security when it came to the most important thing in his life: his eternal soul. “But God said to him, ‘Fool! This night your soul is required of you, and the things you have prepared, whose will they be?’” (Lk. 12:20) This man’s possessions provided him a buffer against all sorts of temporal calamity that might befall him, but his soul was lost in the process!

I fear that many in this world read “The LORD is my shepherd; I shall not want.” (Ps. 23:1) and believe it pertains to their financial situations! The “Health and Wealth” gospel advocated by the likes of Joel Osteen and other false teachers only serves to advance the idolatrous relationship that most of this world has with their possessions. In this line of thinking we begin to believe that our various forms of insurance against all manner of potential financial calamities can grant us true Security!  We as Christians and students of the inspired word of God must realize that there is no insurance that can be bought against Judgment Day “Truly no man can ransom another, or give to God the price of his life, 8for the ransom of their life is costly and can never suffice, 9that he should live on forever and never see the pit. (Ps. 49:7-9) There is no earthly price that can be paid by mankind to be insulated against the potential of spending eternity in the fires of Hell. “for all have sinned and fall short of the glory of God. (Rom. 3:23)

The only one that could pay the price for our spiritual security did so long ago with His blood, on a cross just outside Jerusalem. 11But when Christ appeared as a high priest of the good things that have come, then through the greater and more perfect tent (not made with hands, that is, not of this creation) 12he entered once for all into the holy places, not by means of the blood of goats and calves but by means of his own blood, thus securing an eternal redemption. (Heb. 9:11-12) Jesus Christ came to this earth and provided the payment for us, once and for all, securing us for all eternity provided that we are joint-heirs with Him! 16“The Spirit himself bears witness with our spirit that we are children of God, 17and if children, then heirs—heirs of God and fellow heirs with Christ, provided we suffer with him in order that we may also be glorified with him.” (Rom. 8:16-17) We become joint-heirs with Christ through obedience to Him! “Whoever believes and is baptized will be saved, but whoever does not believe will be condemned.” (Mk. 16:16)

Am I condemning the purchasing of insurance to guard against unforeseen financial stresses? Of course not. What we as Christians must understand is the difference between insurance and true security, which is only found in Jesus Christ. Our possessions are not to be the goal and pursuit of our lives, neither in the short-term nor the long-term. 6But godliness with contentment is great gain, 7for we brought nothing into the world, and we cannot take anything out of the world.” (1 Tim. 6:7) What we must guard against in the insurance mindset, the idea that we can use our possessions to prevent all calamity, to become ultimately secure, to become happy once-and-for-all. True peace is found outside of our “stuff”, true happiness is found outside of our own personal circumstances, and true security is found only in God. “The LORD is my rock and my fortress and my deliverer, my God, my rock, in whom I take refuge, my shield, and the horn of my salvation, my stronghold.” (Ps. 18:2)