The Christian Perspective of Life Insurance




Why Should a Christian buy Life Insurance?

Life insurance is one of those things that most of us need but none of us enjoy talking about. When it does come up in conversations, it’s mostly because someone is complaining about being sold something that is both expensive and complex.

I think the problem is confusion about the purpose of life insurance. So let’s clear that up right now. For most of us life insurance has one purpose - to replace an economic loss.
It’s not for education savings. It’s not for retirement savings, or to provide a tax-free loan later in life. No matter how much you buy it will never replace an emotional loss.

Once we are clear about the purpose, buying the right kind of life insurance becomes much easier. Most of us don’t need a variable life insurance policy that also acts like an investment. We have investments for that. No, what most of us need is a simple term insurance policy, one that will protect us against what could otherwise be a financial disaster.

So, to buy term life insurance you “simply” need to calculate what the economic loss would be if you lost a loved one and then buy the best insurance you can to replace that loss. If there is no economic loss, or you can afford to absorb that loss yourself, there is no need for life insurance.

You can start by asking or finding the answers to two questions:

  1. What amount of insurance would I need to replace the economic loss?
  2. How long do I need that protection?
Keep in mind that the amount of insurance you need may change over time. For most people, it seems to decline over time, as obligations to family change and the value of your investments hopefully grow. At some point, it is a reasonable goal to be at the point where you are secure enough
financially that you no longer need life insurance.

Should Christians Consider Having Life Insurance bring you Weekly Bible Verses

Numbers 15:23-25

23 any of the Lord's commands to you through him, from the day the Lord gave them and continuing through the generations to come 
24 and if this is done unintentionally without the community being aware of it, then the whole community is to offer a young bull for a burnt offering as an aroma pleasing to the Lord, along with its prescribed grain offering and drink offering, and a male goat for a sin offering. 
25 The priest is to make atonement for the whole Israelite community, and they will be forgiven, for it was not intentional and they have presented to the Lord for their wrong a food offeringand a sin offering

1 Kings 8:37-40

37 When famine or plague comes to the land, or blight or mildew, locusts or grasshoppers, or when an enemy besieges them in any of their cities, whatever disaster or disease may come, 
38 and when a prayer or plea is made by anyone among your people Israel - being aware of the afflictions of their own hearts, and spreading out their hands toward this temple 
39 then hear from heaven, your dwelling place. Forgive and act; deal with everyone according to all they do, since you know their hearts (for you alone know every human heart), 
40 so that they will fear you all the time they live in the land you gave our ancestors.

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Should a Christian Get Life Insurance? 
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