Does God offer us Fire Insurance or Life Insurance?

Most people have insurance on their home. It would be pretty ridiculous not to have it. My eldest son almost burned down the house once when he was frying hamburgers on the stove. He went to do something in his room, forgot about them, and filled most of the house with burnt burger smoke. He yelled for me and I dashed into the house, grabbed the skillet, and tossed it outside. That’s probably the closest we ever came to using insurance. 

There is only one time when you will absolutely need fire insurance and that is when your house catches on fire. Thankfully, most never have to use it.

Is Salvation fire insurance?

Often some criticize those who ‘claim’ to be saved but show no visible fruit. Some will judge that such a person only wanted ‘fire insurance’. In other words, such a person doesn’t want to go to hell, but his life doesn’t seem to change much. It fails to show outward fruit or interest in things like going to church, reading the Bible, etc. Their conclusion usually is that those people are on thin ice when it comes to salvation. They just want ‘fire insurance’.

Although I do not like referring to salvation as fire insurance, it will actually prevent you from even having a fire. But to me salvation is better described as life insurance since that is what we really need. “He who has the Son has life; he who does not have the Son does not have life.” (I John 5:12).

Salvation is Life Insurance!

Every human is born physically alive, but spiritually dead; separated from God. We need spiritual life. The only way we get that life is by being born again; born from above.

When a person believes the gospel, he or she becomes a child of God by faith in Jesus Christ (Galatians 3:26). That’s called being justified by faith. You are declared ‘not guilty’ in the court room of God Almighty! You have passed from death to life (John 5:24). That happens instantaneously when you believed the gospel. You are born again (spiritually) as God’s child. It is a one-time act of hearing (understanding the gospel) and believing it, which causes an irreversible change in your final destiny.

The truth is that if we have God’s life insurance, we don’t need fire insurance. Receiving spiritual life will keep you from needing fire insurance. Those who receive spiritual life by faith in Christ will never end up in the Lake of Fire.

All Policy holders have everlasting life

Once you are God’s child you are always His child. You may be a disobedient one. You may be a child that wanders off; but you still remain His child. No one can snatch you out of His hand including yourself. You shall not come into judgment. You receive everlasting life, the forgiveness of sins, and have been made accepted in the Beloved (Jesus).  You are sealed by the Holy Spirit until the day of redemption.  You will never perish in the Lake of Fire. And it’s not based on anything you do, good or bad. It’s based completely on the grace of the Lord Jesus Christ who promised that whoever believes in Him has everlasting life (John 3:16; 6:47).

God’s Insurance Policy is Free!

Salvation is more of a life insurance policy than fire insurance, because it gives you spiritual life that cannot be lost. It’s full coverage from the day you believed the gospel until the day you stand before the Lord. There’re no premium in this policy. He offers this policy as a free gift to whosoever will believe on the Lord Jesus Christ!  

Next Time: Understanding the comprehensive coverage of God’s Life insurance program actually promotes godliness and service.


Find out how to be secure in your relationship with God.

Check out , Assurance of Heaven, an in-depth Biblical study into how you can know you with certainty that heaven is your final destination, while learning to discern wrong teachings that may cause you to doubt. Download a FREE Study Guide that compliments the book.

Thank you for stopping by. I invite you to follow as we explore God’s amazing grace and assurance of heaven for anyone who believes the gospel.

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