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Should Christians Have Life Insurance? A Thoughtful Perspective

By Jackie Gardiner

Life Insurance and Christians
Life Insurance


Life insurance is a topic that often raises questions and sparks debate, especially among Christians. While some may argue that relying on God's providence alone is sufficient, others believe that being responsible stewards of the resources God has given them includes adequately preparing for the future. In this blog, we will explore the considerations surrounding life insurance from a Christian perspective, examining both sides of the discussion.

1. Biblical Perspectives:

The Bible emphasises the importance of planning and wise stewardship. Proverbs 21:20 says, "The wise store up choice food and olive oil, but fools gulp theirs down." This verse implies the value of preparing for the future. Additionally, 1 Timothy 5:8 reminds believers of their responsibility to provide for their families: "Anyone who does not provide for their relatives, and especially for their own household, has denied the faith and is worse than an unbeliever." These passages encourage Christians to consider practical ways to care for their loved ones, including financial protection through life insurance.

2. Providing for Loved Ones:

Life insurance can offer financial security to one's family in the event of an untimely death. It can cover funeral expenses, outstanding debts, and replace lost income, ensuring that dependents are not burdened by financial hardships during a difficult time. By obtaining life insurance, Christians can fulfil their duty to provide for their families and demonstrate their love and responsibility towards their loved ones.

3. Trusting in God's Providence:

Opponents of life insurance argue that relying on God's providence alone should be sufficient for Christians. They believe that purchasing life insurance displays a lack of faith in God's ability to provide and protect. While it is essential to trust in God's sovereignty, it is equally important to exercise wisdom and stewardship. Life insurance can be seen as a practical means to fulfil our earthly responsibilities while still placing our ultimate trust in God.

4. Balancing Faith and Responsibility:

The decision to have life insurance ultimately comes down to balancing one's faith and responsibility. It is crucial to remember that life insurance is not an expression of doubt in God's provision but a responsible action to care for those we leave behind. It is a tool that can bring peace of mind and financial stability during challenging times. Christians should prayerfully consider their individual circumstances, seeking guidance from God and wise counsel to make an informed decision.


The question of whether Christians should have life insurance does not have a definitive answer. It is a personal decision that requires careful consideration of biblical principles, individual circumstances, and the needs of one's family. Ultimately, Christians should aim to strike a balance between faith and responsibility, recognising that life insurance can be a means to fulfil their God-given role as caretakers and providers. By seeking wisdom and discernment, Christians can make a choice that aligns with their beliefs and values while ensuring the well-being of their loved ones.

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