What Does the Bible Teach About Insurance?

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I’ve heard it taught that the truly spiritual don’t need insurance.

I read the request in a church bulletin.  An old man – a preacher for most of his life – was collecting funds to pay for thousands of dollars in medical bills.  He did not have insurance.

I immediately thought to myself that if this man had insurance he would have saved himself and the church a lot of resources that could have been used for other necessary ministries in the church.

Since no man knows the future, who can tell him what is to come? (Ecclesiastes 8:7 NIV)

Insurance is not a lack of faith

Insurance would be a lack of faith if Jesus said nothing bad or unfortunate would ever happen to Christians.  However, Jesus seems to indicate that we will not fully taste the goodness of God until we are reunited in heaven.

The common argument is that if we trust God we will not need insurance. I think this assumption is flawed because:

  1. Trusting in God does not exempt us from hardship, struggle, and sickness.

    In fact, we should not be surprised by hardship (1 Peter 4:12).  If we are to anticipate it, surely we are to prepare for hardship.  Faith is not the ability to control the outcome of our lives, but rather the attitude necessary to submit to whatever God brings our way.

  2. Trusting in God does not excuse us from living lives of wisdom.

    Proverbs teaches that in times of surplus we should prepare for an unknown future.  (Proverbs 6:6-8)

  3. Trusting in God does not encourage us to embrace foolish decisions.

    There is no Bible verse that specifically addresses insurance, but I believe after reading through Proverbs not getting insurance would not be described as virtuous.

Insurance Honors God

  1. Insurance allows us to protect our family and the church.  If we have a financial need, surely that burden would be placed on the church (1 Timothy 5:8).  If I am financially able to prepare for an unplanned future I should save the burden from my family and church by purchasing insurance.
  2. Insurance honors the biblical principle of reimbursing with compensation those who have been wronged.  The biblical principle throughout Exodus 21:12-36 shows that people who are harmed should be compensated.  Auto insurance provides us a way to care for our neighbor in case we are at fault in an auto accident.  Health insurance ensures we have a way to pay medical bills we owe.  We might not be able to personally handle the financial obligation, but insurance will provide the needed resources.
  3. In many instances insurance is required as a part of government submission (Romans 13:1).
  4. Insurance can be a loving action towards a spouse or familyLife insurance, for example, is a way for a husband to love his wife (Ephesians 5:25).  If one spouse is left behind, they and the children will have the necessary provisions.
  5. Insurance helps to ensure you will have something to leave to your children (Proverbs 13:22).
  6. Insurance provides us with a way to ensure our debts are paid.  Major illnesses are the number one cause of bankruptcy.  Insurance not only protects us, but also those who choose to serve us in our times of great need (Romans 4:4).

This post has been slightly edited and updated from a previous post called Is Insurance Biblical?

Do you have any additional thoughts or comments?


  1. says

    Great post – this is something that I wrestled with for a while before I came to the same conclusion as you. It’s a tool that doesn’t disprove your faith!

    One thing I would mention is that IF our faith IS in insurance then it could be wrong for us. In other words, if we are putting more of our trust and hope in the fact we have insurance and not in God then we’ve got some heart searching to do.
    .-= Jason @ Redeeming Riches´s last blog ..Credit Card Rewards Duel: Knight Rewards vs Challenger Avoid =-.

  2. says


    You hit the nail on the head when you mentioned that we are not exempt from struggles or hardship. Also, we see a type of insurance instituted by the Lord himself in Deuteronomy 14:28-29

    “At the end of every third year you shall bring out the tithe of your produce of that year and store it up within your gates. And the Levite, because he has no portion nor inheritance with you, and the stranger and the fatherless and the widow who are within your gates, may come and eat and be satisfied, that the LORD your God may bless you in all the work of your hand which you do.”

    A portion on everyone’s income was stored up (premiums) and was used to take care of the Levites, and the unfortunate (fatherless & widows)

    • Al says

      Comparing the Mosaic system of the church establishing and building up a reserve to commercial insurance is disingenuous.
      In the Mosaic system there was no separation of church and state.
      Also, “everyone” did not have income. Note the use of the word “produce” rather than “earnings,” “salaries,” “wages,” “compensation for labor.” “Produce” is the increase that comes from crops, flocks, herds, not what one earns from his labor. The common worker was not required to contribute to the reserve fund. The owner of the sheep paid the tithe (a 10% income tax) on the wool, meat, lambs he sold, and other produce of his flock. The hired shepherd paid nothing of his wages.
      Commercial insurance, on the other hand, invests the reserve fund in various enterprises that one might not want to support. The major enterprise is moneylending at usury (“interest”), which is forbidden throughout the scriptures. This would take in savings accounts, corporate and government bonds, certificates of deposit, and the like. Other reserves are invested in various businesses, which if one does not know better should be assumed to be war, abortion, pornography, lewd movies, violent entertainments, etc., etc.
      Dave Ramsey advises not to be concerned with what one’s money is invested in, as virtuous mutual funds as a class show poor returns, or lose money. He was relating specifically to mutual funds, but the principle applies as well to insurance. Should a Christian be investing in Playboy or Hustler, abortion clinics and equipment manufacturers, bomb industries, or other immoral or worldly enterprises? If you do not know what your insurance company or mutual fund invests in, you should assume the worst because it likely is the case.
      Compelled insurance, like automobile liaility insurance, may be regarded as a tax. For example, strict Mennonites purchase the minimum coverage mandated by law but decline uninsured/underinsured motorists’ insurance, insurance on their vehicles (collision and comprehensive), medical coverage, towing, and anything else that may be declined.
      In my opinion a morally superior system would be for the state to establish a liability fund and add the appropriate amount to each vehicle’s registration taxes, according to the liability characteristics of the vehicle and the regular drivers’ accident and moving violation records. If one desired to obtain insurance above the state’s minimum they would be free to do so.
      Some localities mandate liability insurance and property coverage on improved property (homeowner’s and landlord’s). If one does not obtain the minimum coverage mandated by law, the jurisdiction places insurance and adds the premiums to the property taxes.

  3. says

    Excellent analysis on the topic, Craig. I’ve discussed this with several Christians before and my study of the Bible brought me to the same conclusions as you. I also echo Jason’s comment that if you’re putting your faith in your insurance as your protection/provision instead of God, then it could definitely be something you need to work on. I think it’s key to avoid buying too much insurance – not just for stewardship reasons, but also because of the faith issue.
    .-= Paul Williams´s last blog ..How to Get Out of Debt: Step 1 – Declare War on Your Debt =-.

  4. says

    This is an excellent article that I believe all Christians need to read – even if they aren’t struggling with the question of insurance. This is a good example of how to analyze any question from a biblical viewpoint.

    I would love to hear your thoughts on my first “real” blog post (please know that I am not spamming your site, I really want godly feedback/advice): http://knsfinancial.com/2010/01/10/wealth-from-the-bible/
    .-= Khaleef Crumbley – KNS Financial´s last blog ..Twitter Updates for 2010-01-13 =-.

  5. says

    Other forms of less traditional insurance exist even though they receive less attention. Is wearing a seat belt in a car a or wearing a helmet while riding a motorcycle or bicycle a form of insurance? Is setting a timer on the stove a form of insurance to avoid overcooking or burning a meal or scorching a pan? Is having a first-aid kit available a form of insurance? Is diversifying one’s investment portfolio a form of insurance? Insurance is simply a hedge against potential misforturne and it is one that no one really hopes to collect on. Insurance against misfortune allows us to focus our energies on more important things and helps smooth out the bumps of life.
    .-= Steven and Debra´s last blog ..Government False-flag Operations and Operation Northwoods =-.

    • Craig says

      Steve and Debra,
      You are exactly right. If insurance is a form of protection we do protect ourselves in many ways. Thanks for the great point.

    • Al says

      Calling protective measures “insurance” muddies the water. Wearing shoes to protect my feet from sharp rocks, clothes to protect me from sunburn, cold, rain, abrasion (and jail!), building a house for privacy, protection from the lements, security from criminals, is not insurance in any sense comparable to pooling one’s money with infidels under the supervision of infidels.
      “Infidels” are not necessarily bad people. It simply means that they are not Christians (on Jesus’ terms, not on men’s). It means “not faithful (to Jesus Christ).” This is what a Christian means by it.
      To a Mohammedan, an “infidel” is one who does not believe in Mohammed as God’s prophet.

  6. Al says

    “Auto insurance provides us a way to care for our neighbor in case we are at fault in an auto accident.”
    And if we aren’t at fault? Aren’t we still to care for our neighbor, the brotherhood first, then others?
    Insurance is certainly a “yoking with unbelievers” for the Christian (II Corinthians 6:14-17)
    We would do better to hold all things common – not like the Hutterites, but more like the Amish, who share with their brotherhood in need, also with non-Amish.
    But Christendom is so fragmented that there can be no unity. If not in doctrine, then how in other things?

  7. john says

    the Lord told me that i would not need health insurance and that if i walked out in faith and trusted Him that he would keep me from serious illness and calamity and if an event would occur to trust Him that i would get through the storm with His help not an insurance policy. that pastor with no insurance is a prime example of how God works among the believers. this world has become super-saturated with secularism and self-centeredness and we as believers have become blindsided by it and should get back to our first love, Jesus Christ. we are a church described by Jesus in the book of revelation 3:17 as being rich, secure and in need of nothing but blind and naked spiritually. what if it all was lost tomorrow, which it could , the way events are unfolding in this troubled world rapidly. for centuries man has lived and enjoyed life without insurance for this and that. incidently, i see no reference to insurance at all in romans 4:4. paul was explaining how works don’t count as righteousness with God. a text out of context is a pretext. let’s get back to our roots so we can endure the storm that is about to begin and i don’t think insuance is going to cover it. it’s gonna be a biggie. a storm no one has ever seen before. God bless and keep you.

    • says

      From your comment it seems like those who buy insurance would be secular and self-centered. Did I understand that correctly?
      What Bible verses do you think supports the idea that a Christian should not buy insurance?

  8. Al says

    If the money that is shot on yoking ourselves with infidels in the hope that said infidels will help us when we are in need was instead put in the collection plate, the church would be able to provide help to its own members in need AND have plenty left over to help nonmembers. If you are in a church that does not aid its members who are in need but only directs them to government agencies, find a real church of Jesus Christ.
    Every church that establishes a record of taking care of its members who are in need can get its members free from the FICA/OASDI/Social Security tax. That money ALONE, if instead put in the collection plate, would enable the church to care for its own members in need and have plenty left over to help nonmembers. You can have your employer automatically deduct the same amount as would be the FICA deduction and send it to the church bank account. Since this is all done electronically today, it is really no trouble to the employer once it is set up.
    The law applies only to churches that have been in existence since 12/31/1950 (see IRS Form 4029), but that is easy as the church of Jesus Christ has been in existence since Pentecost, 33. The church has a long record of taking care of its members in need, and often nonmembers. It is part of the historical and scriptural doctrine of the church that Christians, both individually and collectively (the church) are to hold all things common, that is, to share as need arises (not a communist system, which is based on force).
    On Form 4029 it instructs the applicant in whose name no social security number has been issued to apply for a SSN. You do not have to do this. No one is required to have a SSN in order to live and work in the United States. If no Socialist Serf Number has been assigned to your name, try leaving it blank or put in the “000-00-0000″ dummy number. The worst that will happen is to have the application rejected.
    To get questions answered about Social Security, including legal questions, write:
    Social Security Administration
    Freedom of Information Center, Office of Public Inquiry
    4100 Annex, 6401 Security Blvd
    Baltimore, MD 21235
    Or you can call the Social Security 800 number at: 800-772-1213 (I suggest you write or you may be given errant information. The phone answering person may not really know and may ad-lib.)
    Though the FICA/OASDI/SS tax is administered by the IRS, it is designed to fund the Social Security system, so the SSA should be able to answer any questions you may have. If you do not get satisfaction, you can try your Congressman.
    Also on Form 4029:
    “Instructions to Employers
    “Employees without Form 4029 approval. If you have employees
    who do not have an approved Form 4029, you must withhold the
    employee’s share of social security and Medicare taxes …”
    This instructs the employer to commit a crime: Failure to Pay Wages, unless the employee has executed a Section 3402 Voluntary Withholding Agreement. Despite the IRS’ “advice” to the employer, that the furnishing of such Form W-4 shall constitute a request for withholding, a W-4 from the employee does NOT constitute a VWA. A REQUEST for withholding is not an AGREEMENT for withholding. It merely provides a basis for the employer to calculate the amounts to be withheld from an employee’s gross pay IF the employee has executed a VWA, and to calculate the amount of employment tax the corporation must pay. Nevertheless, if the employer embezzles from your pay, the simplest way to get it stopped may be to give the employer’s agent (paymaster, personnel department) a termination of authority or agreement to withhold. Some disclaimer to the effect that you are not aware of and did not intend to agree to withholding, but are merely attempting to clarify the understanding of your employer – which apparently needs clarifiying as the employer is without your authorization shorting your pay that was promised to you.

    “… and pay the employer’s share.” Corporations, legal fictions, creatures, of the state are subject to whatever rules and regulations the state may impose upon them. They are presumed chartered for the PUBLIC (state) BENEFIT, not for PRIVATE benefit. The limited liability privilege is to induce investors to invest in the venture without being liable for more than the amount they invest. The only “rights” corporations have is to be treated on an equal basis with other corporations. The employing corporation is required to pay the employment tax at whatever rate and upon whatever basis the state (government) says.

    There is confusion between what we in common speech mean by “wages,” “salaries,” and “compensation,” and the meanings attached to these words in the tax laws.
    A principle is that government may RESTRICT the meanings of words but may not EXPAND or REDEFINE (Eisner v. Macomber) them, else the state could take on powers not authorized by the constitution. In common speech, “income” means “everything that comes in.” But the Supreme Court has stated that “income,” within the meaning in the tax laws, is NOT everything that comes in. The SCt is speaking strictly and legally, not commonly.
    The purported 16th amendment was declared passed in 1913. By 1936, taxable income tax returns filed represented only 3.9% of the population. That it would take 28 years (the document is from 1941) for Congress to come up with a way to tax incomes if “wages, salaries and compensation for labor” were “income” is, well, rather hard to grasp. What it did take was … a WAR. The 1917-18 war was too soon to be useful in making tax slaves out of wage slaves, but by December, 1941 a new opportunity had arisen. Now, the Income Tax could be expanded to subjects never dreamed of in 1913! With a war in progress, anyone who objected or resisted could be denounced as a TRAITOR. “But it’s unconstitutional.” “What are you? Don’t you know there’s a WAR on?” It has been said that liberties are greatest in danger during war.
    Funny thing, the “temporary” tax that was established in WWII is still with us. Perhaps the US is still at war?

    • says

      Thanks for your comment. I would not say that paying for health insurance is yoking oneself to infidels. However, if someone felt strongly about this they should consider something like Medi-share.org

      • Al says

        Craig wrote: “I would not say that paying for health insurance is yoking oneself to infidels.”

        What else is it? Buying insurance obligates one to keep on paying, and to conform to the requirements of the policy. Unless you buy a fixed-term policy and pay in full, the insurance company’s collections department will be after you for the rest of the payments due for the policy.

        It will be hard to convince me that insurance company personnel are not by and large “infidels.”

  9. Dustin Bower says

    Thanks for your work on this one Craig. I do still wonder how insurance of any kind honors Jesus’ command to not have any worries for tomorrow. Especially when you consider the story about the man who had so much grain that he decided to tear down his single store house and build three so that he could store it all instead of giving away his surplus. Yes, disaster may fall on us tomorrow, but it has already come upon someone else today and I don’t see how we can save for our tomorrow when there are those who won’t have a tomorrow due in part to our self-centered (and unnecessary, if I understand Jesus correctly) worries. I am very grateful for your humility Craig. It is apparent in the way you have responded so carefully and gently to other comments shown here. I would not have been researching this subject if I thought I had anything like a clear answer, however after visiting your site, I am still uncertain. I am leaning toward the conclusion that Jesus does not condone insurance. Thank you for your time in writing this post and in reading all of our comments so considerately. Take care.

    • says

      Sorry it’s taken me so long to reply to your comment.
      I don’t think insurance negates Jesus’ command not to worry about tomorrow. First, purchasing insurance doesn’t indicate a heart full of worry, but a heart full of wisdom. Second, this is a missionary passage that calls us to move forward in order to do God’s work without concern for God’s provision. For many of us buying or not buying insurance doesn’t hinder us from doing God’s work.
      I certainly appreciate what you’re saying about people’s need for today. That is guaranteed, but our need for tomorrow is uncertain. As a missionary those who were able to participate (financially) in our ministry were those who have ‘take care of their household’. They’ve made wise choices and used the fruit of it for the kingdom. The sin of the rich man who stored up was that he was not ‘rich towards God’. Certainly a person can buy insurance and be rich towards God.
      Dustin, I do hope that at some point the community of believers grows to a point that none of us have need of insurance. It would certainly take some intentional planning on the part of a church in order to make that kingdom vision a reality.

  10. Nic says

    Thanks Craig for your article. Very good points and I agree mostly. I would like to add a personal account. I am a doctor and have recently cancelled my life insurance and medical aid policies. While praying about wanting more hunger for Jesus, God said to me, “You are not hungry because you are not in need of me”. Why is it so hard for the rich to enter the kingdom of heaven? Because they do not feel need. They are self-sufficient. They do not rely on God because they do not have to (although this is a dangerous illusion as Jesus tells the Laodicean church in Revelations). I felt the Lord say to me “Saving yes, Insurance no.” Insurance is a way I believe in which we live beyond our means. We do not have the money should we need a big operation therefore just in case we should need one, we make a contract with someone agreeing to pay them an certain amount every month and in exchange they will pay for an operation if we ever need it meanwhile we could be giving that money to someone that actually needs an operation. I believe that preparing for a rainy day is being wise, but the only place I see in the new testament that tells us to store up earthly treasure is for our children: “14 Here for the third time I am ready to come to you. And I will not be a burden, for I seek not what is yours but you. For children are not obligated to save up for their parents, but parents for their children.” 2 Corithians 12. But there may be other instances. I am obligated to provide (and save if possible) for my household (and if I don’t the bible actually says I am worse than an unbeliever) but that is while I am alive. If I am dead then I am dead. I have no obligations on earth. I must trust that if it is the Lord’s plan to take me then He has a plan to provide for my family. Insurance policies are not fool proof and may not even pay out for minor details.

    Also a major part of the kingdom of God is physical healing. If we are to grow in this as Jesus’ church we need to stop turning to western medicine and start believing God for healing. There are parts of the body of Christ that experience an incredible percentage of healing, hardly 100%, but sometimes the majority are successful. I am a strong believer that what we see in the bible is meant for today and that the church needs to stand up and be who Christ says she is. It is a silly picture to think of Paul or one of the apostles in the early church taking out a medical policy. If we are to live radical lives for Christ, we should live radically in the arena of our finances as well.

    Now for the disclaimer. I do not believe Insurance is wrong if your heart is right. I still have third party insurance on my car and my wife and kids are still on medical aid…because it is her choice and I respect and honor that and trust that her heart is right before God. I just have felt that my heart was not right and I was trusting in my insurance rather than in God, so I got rid of it. I will spend the money I am saving on insurance on my children’s future (for one). I also believe that western medicine is of some earthly value to Christians. I am a medical doctor myself. But for most of the western church, it is of more value than is good, I believe. I also agree with comments made above about how we as the church would not need insurance if we shared what we had as any had need, which some parts of the body do. Thanks again Craig for sharing your thoughts.

    • says

      Thanks for sharing your experiences.

      While I see your perspective on ‘need’ it can also lead to a very dangerous outlook. Should we no longer buy more food than we need each day? Should we not buy more food than we need each meal? Need is a spiritual condition not a physical reality. I agree that those of us who have ‘everything’ struggle to find our true spiritual need.

      I do believe that insurance is a way to honor God as it is a way to honor others if we have unforeseen medical expenses. In most countries, savings cannot cover the hundreds of thousands of dollars of medical expenses one can easily incur.

      • Al says

        Laying by in store, either in one’s own pantry* or in the church pantry is not buying insurance from a worldly insurance company. Obeying God’s command to support one’s family and church by going into the liquor, pornography, prostitution, recreational drugs, etc., is not honoring God. We are not to do evil that good may come from it, despite that since God is in ultimate control, evil often has good effects.
        *”Pantry” is food, clothing, anything laid by in store. Christians are to hold all in common. This does not necessarily Hutterite-style but that if my brother, willing to work, is in need, my pantry is open to him.

    • Al says

      Your action in separating from the corrupt, worldly insurance industry is commendable. However, if you are not associated with a church that takes care of its own who are in need, you are striking out on your own. I would venture that most professing Christians would consider you as neglectful of your family unless you are too poor to afford insurance premiums. Be prepared for this attitude rather than for others to respond favorably – just read the above posts.
      Today, we are not accustomed to building up a reserve ourselves or by the church. We do not keep a reserve. Banks (usurers and extortioners*) keep the money on account for individuals and most churches.

      *Luke 18:11 The Pharisee stood and prayed to himself like this:’God, I thank you, that I am not like the rest of men, extortioners,† unrighteous, adulterers, or even like this tax collector. (WEB KJV ASV WBS RSV)

      1 Corinthians 5:10 yet not at all meaning with the sexual sinners of this world, or with the covetous and extortioners,† or with idolaters; for then you would have to leave the world. (WEB KJV ASV WBS YLT)

      1 Corinthians 6:10 nor thieves, nor covetous, nor drunkards, nor slanderers, nor extortioners,† will inherit the Kingdom of God. (WEB KJV ASV WBS YLT)
      † 1. (n.) The practice of wresting anything by force, by threats, or by any undue exercise of power; undue exaction; overcharge. — Noah Webster’s New International Dictionary of the English Language

      • Aron says

        I felt the need to say that the Pharisee said that tax collectors were in the almost the same boat as extortioners, and I do not think there is anything wrong with collecting taxes.

        It might be more Biblical to punish people who do not pay, rather than taking the payment by force, but I think you should edit this comment to remove that certain quote as proof of the evils of loaning money.

        I will say that extorting is evil, but looking at the the definition you provided, the only reason people would wrest payments by force is if the other person is guilty of not paying. It also mentions that extortion is undue exaction.

        So by this definition, extortion is not inherent in the process of borrowing and loaning.

        Have a good day!

        • Aron says

          Just noticed something, isn’t usury the charging of unreasonable interest, not the charging of interest in general…

          I am trying to figure this out… No one has yet mentioned the Proverbs passage concerning having a common purse.

    • says

      Thanks to the Doctor or sharing his thoughts with us…as I read his well written info, I wondered what he thinks about the scripture that says we should not lay up treasures for ourselves…? JW

  11. says

    I searched google for a Biblical view on paying insurance premiums. However, after reading the posts and all the comments (which are all very good arguments), I am confused. LOL I think this topic deserves more in depth study. It’s interesting that the term usury. I never considered this to be the case, but I guess the insurance companies are essentially taking your money and choosing who and what to disperse the funds to. I mean, there are people that actually pay insurance premiums for a very long time and then when something does happen, have been denied any coverage. What of those people? The reality of the situation is that if everyone got sick, the insurance company would not survive. Not really sure what side to take or which option is best. Perhaps, it should be best to decide this on a case by case scenario?

  12. Joseph says

    Al: if there were more like you in this world, I would be a spoiled brat!! LOL!
    Al, I can’t say much more than thank you for raising the flag of TRUTH in here!
    I haven’t heard true Christianity in ages. I feel like its a dream, most of the awake
    ones are Muslim and did not recognize HIM, yet you worship the real Jesus Christ.
    And you are awake. Thanks Al. Keep it flowing, RED HOT. It is good stuff. Your Maker is proud
    of you. The minority are cheering when ever you post!! We need it! GOD(of Israel) bless
    you and others with you. Take care, stay healthy, safe. Shalom

  13. Bob says


    Thank you for the Biblical wisdom on another part of “money”, providing for our family. I have been offerred an opportunity to introduce people (64 and older to medicare plans, looking to find Biblical support on that issue. I only wish to pursue this venture as long as it is Biblical.



  14. JediMobius says

    “There is no Bible verse that specifically addresses insurance, but I believe after reading through Proverbs not getting insurance would not be described as virtuous.”

    I had to laugh, since I’ve been reading through proverbs to answer this question, and a few verses have made me think about the same thing.

    • JediMobius says

      Then again, insurance companies make an inordinate amount of profit off of any policy they sell which never pays out, being most of them. That they should make some profit is good business sense, but the coffers of the insurance industry hold trillions of dollars. It is much better to earn your own savings, and have a solid family and community to rely on in a time of need, than to place a monthly bet on whether or not it all goes up in flames. Insurance is a gamble, after all.

  15. Warren Silverwood says

    Insurance is a form of usury. In my mind this would make it inherently evil and against the teachings of Jesus plain and simple. Christ had plenty to say about usury most notably nothing positive.

    • JediMobius says

      Insurance is not usury, because it’s not a loan. Even so, certain types of life insurance are actually investments that guarantee a return. Everyone with a policy pays in so that whoever needs to make a claim will be sufficiently covered. It’s not a perfect system, since insurance companies make inordinately more money than they pay out in claims, but it offers financial protection against catastrophic loss. I, for one, am more than happy if I never have to make a claim. The money I spend on insurance will help provide for someone else in their time of need.

      • Warren Silverwood says

        I’m sorry but that is what I am led to believe. Anytime an entity makes money off the back of others through fear, intimidation, or greed with absolutely no sweat equity of their own I would characterize that endeavor of nothing short of shady. All forms of commercial insurance are fraudulent transactions aimed at consuming people’s wealth unjustly. Statistics calculated by experts state that what people get back of what has been taken from them is no more than 2.9%. All kinds of commercial insurance consume people’s wealth unjustly. All kinds of insurance are forms of uncertainty, and transactions which involve uncertainty are not wise. All kinds of commercial insurance are based on nothing but gambling. Are we to gamble? Insurance is the sale of money for money, of a greater or lesser amount, with a delay in payout. Insurance companies take people’s money and promise to pay them more or less money when a specific accident against which insurance has been taken out happens. To me this is clearly a form of usury.

        • Warren Silverwood says

          I think interest and usury have two distinct and separate meanings. Here is a good article on the topic.
          The Project Gutenberg EBook of Usury, by Calvin Elliott

          This eBook is for the use of anyone anywhere at no cost and with
          almost no restrictions whatsoever. You may copy it, give it away or
          re-use it under the terms of the Project Gutenberg License included
          with this eBook or online at http://www.gutenberg.org


          • JediMobius says

            Ok, you’ve convinced me. It’s quite a bit more than an article, but I have come to agree that to pay for services to protect a thing, whether a house or a car, serves the thing. Well, that can’t be good.

            A trillion dollar industry such as insurance must only serve to oppress the poor and centralize wealth. I’m sorry I ever sold any.

          • Al says

            Usurers have managed to get the meaning of “usury” changed in the current vernacular.
            If you will compare a recent version of the Bible to the older ones you will find that wherever “interest” is used in the recent versions “usury” is in the older ones. Wherever “usury” or “usurer” is condemned in the older versions “interest” is condemned in the newer.
            The interest of a moneylender in lending is not to get the principal back, but to gain the use charge (which is the literal meaning of the term “usury”), for as soon as a dollar of the principal comes back to him, he lends it right out again. If he was concerned with the principal he would keep it and not lend it out in the first place.

  16. says

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  17. Marie says

    Saving up enough for a big operation? Are you kidding me? Maybe on a doctor’s salary you could do that but not the average person.

    We are taught to be wise stewards of our finances and to obey our government officials , that would mean in America anyway, having health insurance.

    Most people, including Christians who take the “health insurance is unbiblical” stance , have most likely never been seriously ill or needed emergency health services and probably think it’s because they are faithful and living fully for our Lord.

    If that were the case however, then they wouldn’t age or get any health problems but just die in their sleep around 100 or so. Very few have these circumstances and I know because I’m a nurse.

    When you get older you’ve seen it all just like it says in Ecclesiastes,,,

    We are fortunate to live in a country that has good medical care, if insurance is unbiblical then going to the doctor is even more so. And if you do go the doctor and end up with medical debt it will be other taxpayers paying for your healthcare,, that isn’t biblical either.

  18. Robin Jacob says

    According to your faith be it unto you.”
    IF you have Faith that God will protect you as he promised on Psalm 91 . you will be protected as far as you only believe without doubts. Because once you have doubt , whcih is because of fear. then God has no control over the situation. Like it said in James no one can receive anything who doubts. So its better to take insurance if you have a doubtful mind. but if you only believe God will protect you at all times.. then you do not need it. And again if you live ina country where there is a law to take an insurance then do take it. Because Biblwe says to obey the law of the world we live in. But if youhave a choice. Then eveluate yourself. If u only believe without doubts. you can go on without Insurance. GOd is mighty to protect you like he promised.

  19. roger peralta says

    Hard ships can be a job loss after you lose job can no longer afford insurance. What does tithing cover? Are we to be covered by tithing ? It’s preached that way. Are we looking for money to cover our hard ships? Should we have insurance to cover divorce hardship so we don’t divorce which is expensive.
    If we are covered by insurance we only need God when insurance fails? If you were rich and told your best friend trust me I have you covered if a hard ship happens , then he goes to a stranger and buys what you offered him how do you feel. Did God tell you to buy protection cuz if hardship happens . Put yourself in God place , would you say” I told you I would protect you”. If all your insurance wiped out you would flip out . Your protection is gone. Don’t lie and say no problem I’m not worried . I guess God meant he would protect you after your money for protection failed

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