Purchase Insurance or Trust On God?

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Purchase Insurance or
Trust On God?

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Liability insurance touches every part of modern living. Insurance coverage is to protect against financial loss resulting from civil liability for injury or damage to the persons or property of others. The entire world today has their trust on a policy to protect them.

The teaching of the First Century Gospel Church, Philadelphia, is founded on God’s Word—especially the New Testament. No true Christian in the entire Bible ever trusted in anything or anyone but God alone for protection—financially or otherwise, and we are to do the same today.

A 1974, the church’s stand against insurance stated that none of its members carry health, or any other type of insurance, as the entire system is against the principles of Bible teaching and practice—depending on a human plan instead of trusting on the living God.

[It continued] If this church, or any member of it, would accept automobile insurance against their conscience, it would repudiate [renounce] everything we ever taught and stood for all of our Christian lives. The foundation teaching of this church, and of the Bible, is to depend on God for everything in this life. No government that recognizes freedom of worship would ever expect any church group to go against the convictions of their religious beliefs. Our members would give up their vehicles rather than give up their principles of trust on God [unquote].

As a believer in Christ, we must know how to keep our trust on God, separate from the responsibility for insurance coverage. A fundamental teaching of God’s Word, and the principle of trust taught all through Scripture, is that we maintain our faith in the living God to protect our interests—financially, physically, and every other way.

Every type of financial insurance protection is purchased today, because Satan has convinced the unbelieving world that no one should be without some kind of financial protection. Because the world insists on having insurance coverage on everything, the customer, or consumer, realizes that the cost of this financial protection is just added to the price of the product they purchase, or to the cost of the item they rent.

The basic principle for the believer, who desires to keep their trust on God, is to not take any responsibility for the insurance coverage placed on those things. This would include not placing their legal signature on any document they do not agree with and which would defile their conscience.

The purchase of food items at the supermarket all reflect the added cost of insurance coverage—from the farm land where the crops are grown, to the trucking firm transporting the produce to market. The cycle of insurance continues to the liability coverage placed by the owners of the supermarket for protection from any claims made by a consumer who could be injured while shopping in their store.

The believer who trusts God for all things would not think of making an insurance claim against the store, but the important principle of truth concerning faith and trust on God, is to not take any responsibility for, nor sign, any insurance policy that is in place somewhere in that system.

Instead of ever making a claim against a store, we, as a true believer, would make every effort to pay the store for any damage that was our fault. This would be God’s will—and not showing our approval of someone else’s insurance coverage paying for the damage we caused to the rented item, the vehicle, or to anything owned by another.

Keeping our trust on God, separate from trust on insurance coverage, is the primary and fundamental concern. If a believer wanted to rent some land on which to do farming, part of the rental cost for that land would be reflected in what the owner of the land paid to insure the acreage. Every house or apartment a believer rents reflects the cost of insurance the owner has placed on their property. The point is—not to take any responsibility for purchasing, signing, or placing insurance coverage on anything—and certainly not making any claim for someone’s insurance money—or allowing it to pay for damage we caused.

Regardless of the type of insurance, or what it protects financially—whether a life insurance policy, medical, property, business, or automobile liability insurance—the issue for the believer is not to take any responsibility for the purchase of the policy and to not sign our name to such documents. That refusal to purchase or sign such a document is the separation point for the believer to always maintain—regardless of the risk or the added cost for refusing to do that.

Everything in the world today is covered by some type of insurance, but the believer must maintain a separation between the policy itself, and their personal responsibility for that insurance coverage. The believer must always draw a scriptural line regarding financial insurance policies, just as they would draw a scriptural line on any other important issue in the Christian life of trust on God.

Although it may not seem to be a major point, it is a definite line that must be drawn at not taking responsibility for buying or signing insurance policies of any type. A legal signature is our approval, and is a legal agreement that will hold up in a court of law.

Legislators can devise a proposed bill—but it is not a law until it has, and is approved by, a signature—the Mayor’s, the Governor’s, or the President’s! It is the same with our signature on a document—it does not have our approval, until it has our signature.

If there is any question concerning anything, we must always decide in a way that keeps our trust on God, and not on an insurance policy—a system we become part of, and make legally binding, by our signature. We cannot allow anything to compromise our faith on God by approving of anything that contradicts our position of trust on Him—Who promises to provide for, and to protect us, through our faith in Him.

The individual who rents—unlike one who purchases—does not take responsibility for the insurance coverage, nor are they asking someone to do something which the owner of the item or the vehicle is not already doing—insuring the item or vehicle before renting it to the public.

One who rents is simply paying for the use of something owned by another—which is already available to a consumer—and always at a profit to the owner of the item, the service, or the vehicle. Our rented homes are owned by someone else, who has the responsibility to purchase, and sign, homeowner insurance policies.

A believer, then, is compelled to trust God for the finances to pay the rental costs for the usage of the item or vehicle. Unbelievers have no faith in God for anything, so they do not trust Him to provide the money needed to pay the higher cost of rented items—which include the cost of insurance coverage put on by the owner. Because of their fear for future needs, the world wants to accumulate properties and items of value—considering them as financial assets, and then protecting those possessions by insuring them with a policy.

The believer in Christ cannot ignore God’s Word on the matter of not owning real estate, and not stockpiling possessions of value, and they cannot take personal responsibility for placing insurance on such things. Insuring anything, and signing the policy, violates the believer’s commitment, and statement, to keep their trust on God.

Just as the believer would refuse to purchase, or to sign for, insurance coverage regarding workers on a construction site to protect them from damage or loss, they would also refuse to purchase, or to sign for, an automobile or medical insurance policy simply because it is a state or federal law. Signing a policy contradicts our statement of faith, and contradicts our commitment to trust only on God for protection.

It is vitally important to uphold the divine principles of faith and trust that God has taught us to know, and to follow, for many years. These principles of trust are based on the Holy Scriptures, and they cannot be ignored, omitted, or compromised in any way. Our responsibility to maintain a believing trust on God, has always had His favor and blessing, and this cannot ever be altered, ignored, or discarded.

The spiritual questions that need honest answers are—a. Can our total trust on God for financial protection be maintained if we accept responsibility to purchase, and to sign, an insurance policy—a document which contradicts our stated faith? b. Can we keep our trust on God and at the same time buckle on a protective seat belt? c. Can we keep our trust on God for daily and future needs if we own or possess any type of treasure on earth as a financial asset to rely on—like real estate investments, rare collections, or valuable items of any description?

The answer to all three would have to be “No” in light of God’s Word and New Testament teaching. The answer would also be “No” in order not to contradict our stated faith and trust on God regarding these issues. Every believer must base every decision on God’s Word, because His Word is
supreme—infinitely superior to every human rule, regulation, or law.

The apostle said 2 Timothy 3:16 ”Every Scripture is inspired by God and is useful for teaching, for convincing, for correction of error, and for instruction in right doing;” [so] 14 “continue in what you have learned and have become convinced of,” as the right and scriptural thing to do.

No one should ever consider forfeiting their religious convictions, the very foundation of their life of faith—which God has confirmed in His Word—and agree to something [like insurance coverage] that does not guarantee anyone’s safety or protection, and definitely goes against the teaching and principle of trust in God’s Word.

Everyday we place ourselves in faith under God’s protective covering, guaranteed by the atonement sacrifice of His Son, and do not have our trust on any policy or plan of man that promises no physical protection. Those who only profess Christianity, but do not live by divine principles of trust on God, do not believe that He will protect them. Instead, they accept every human plan that cannot offer any degree of safety or protection, but only compensate them financially.

When governmental law conflicts with God’s Word—we must keep our faith in, and our trust on, the living God alone. We must put God’s will and Word ahead of everything and everyone—even our own lives—as many did in the Bible.

The divine principle of faith and trust on God is the major point. Trusting God through believing faith in the atonement sacrifice of Christ is the principle involved in every aspect of the Christian life here on earth—and eternal life is the promised reward.

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