Should a Christian Carry Insurance?

The question of insurance has perplexed some Christians, as it seems being "protected" by insurance shows a lack of faith.

However, insurance does not prevent accident, injury, fire, or death. It merely compensates a person in the event of such a loss so that one can regain economic stability. God does not promise Christians, under any and all circumstances, a life free from early death, all hazards, and disasters. In fact, Scripture shows we should expect to have to cope with many and varied problems (Acts 14:22).

The Bible does teach us the principle of protecting ourselves by taking early precautions, before calamity strikes. Solomon tells us, "A prudent man foresees evil and hides himself; the simple pass on and are punished" (Proverbs 27:12). The Bible often warns us to guard against the day of evil. Insurance is simply a way of saving or laying up for the future—an important biblical principle (Proverbs 6:6-8). It functions as a kind of pool of resources in which people save and share each other's burdens.

Insurance allows a breadwinner to provide for his family in the event of his death or disability (see I Timothy 5:8; II Corinthians 12:14). Various types of insurance protect others from accidents that we cause or occur on our property. God's law clearly shows that it is our responsibility to compensate persons who are harmed or caused to suffer loss because of our negligence or carelessness (see Exodus 21-22). Having liability insurance helps us avoid possible financial collapse and provides for someone else who may be harmed by our actions.

Other types of insurance are required by law or in the course of doing business. Liability coverage is necessary to register an automobile in most states. Fire or flood insurance on a dwelling may be required by lenders who finance mortgages. Professional people and businesses may need insurance to protect themselves. Where such laws or regulations do not contradict God's higher laws, we are to obey the laws of the land (Acts 5:29; Romans 13).

In conclusion, it is neither a lack of faith nor unscriptural to carry various kinds of insurance. Rather, insurance can help us properly love God, our neighbor, and ourselves in a true Christian manner. As in any decision, one should use prudence and wisdom in deciding the amounts and kinds of insurance to carry.