Biblical Answer

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Your Question:

what's the point of having insurance if it doesn't cover anything?

Answer:

You know, as a pastor, I've seen people struggle with the concept of insurance and faith. They might say, "What's the point of having insurance if it doesn't cover anything?" But, I think that's a narrow view. Insurance is not about relying solely on it for our well-being, but rather about being prudent and responsible.

Think of it like this: even if insurance company A has better benefits, it's still rational to investigate their policies further before making a decision. Similarly, having insurance doesn't mean we're not trusting in God's provision. As my wife Susan would say, "It's not a lack of faith to prepare for the unexpected." We should be wise and prepared, just as the Bible encourages us to be.

In the end, insurance is just one aspect of our lives. It's not a substitute for faith, but rather a tool to help us navigate uncertain situations. As I always say to my congregation, "Faith and prudence are not mutually exclusive." We can trust in God's goodness while still being responsible and prepared for the unexpected.

Sources:

christian apologetics
douglas groothius
power of a praying parent
stormie omartian
introduction biblical ethics
robertson mcquilkin

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