Question: "Should a Christian get insurance?"
Answer: Christians often struggle with the question of whether to get insurance and whether to do so demonstrates a lack of faith. This is a healthy struggle and believers need to examine the Scriptures and come up with an answer they can defend biblically.
First, let us agree that insurance is not specifically mentioned in the Bible. If something is not specifically mentioned in the Word of God, then we must draw from the principles and teaching of the whole testimony of Scripture. After gleaning all applicable scriptural principles, different believers may come to differing personal convictions. Romans chapter 14 tells that such situations call for us to allow others to choose differently in their convictions, and we are to respect that. In that same chapter it is also written that believers have a responsibility to make up our own minds (Romans 14:5). The wording of the text indicates that we are required to do a thorough study of the Word of God and then to make up our minds as to what God wants us to do as a personal conviction. We must realize that the final verse of that same chapter of Romans 14 states that whatever we decide must be an act of faith.
What are some of the principles? We are to obey the authorities over us. Thus, we are required to have auto liability insurance. We are to take care of our families. Thus we must plan ahead for the future benefit of our families. This speaks of saving for future needs such as clothes, college, and complications. This may also include the planning for taking care of medical needs by the securing of insurance. This could also include preparing for the undesired and unforeseeable early demise of a parent. Life insurance can be seen as a lack of faith, love of money, prudent planning, or possibly wise stewardship of funds. Each person’s conditions and convictions may differ in these areas. God certainly advocates planning ahead. The story of Joseph and his wise planning not only saved the pagan nation of Egypt but also the people of Israel and the lineage of Christ (Genesis 41).
The bottom line is we must study the Word of God and call out to Him asking what He would have us do in this and all areas of life. Hebrews 11:6 states that without faith, it is impossible to please Him. This is the real question, “Will this please my Father in heaven?” Another verse to consider is James 4:17 which makes it clear that if we have a chance to do good, we not only should but must or else we sin. The context there is talking about planning and the future and is a good read for someone struggling with this question. Another verse that addresses this issue is 1 Timothy 5:8, which states clearly if we want to minister to others, let us start with our own families. It also makes it clear that men have a responsibility to take care of the physical needs past, present, and future of their families.