God’s Life Insurance Policy

The first aspect of salvation, being delivered from the penalty of sin, is similar to life insurance. Because of Adam’s disobedience, we inherit his nature at birth. We are born physically alive but spiritually dead; separated from our Creator.

To receive true life, one first must recognize that he or she is a helpless sinner separated from their Creator and then believe the gospel. At that moment one becomes a child of God and has everlasting life that can never be lost. That’s the best life insurance!

God is infinitely Holy!

If you are growing in your understanding of your sin nature and the holiness of God, you begin to realize the infinite gap there is between the Lord and us. My heart is “deceitful above all things and desperately wicked” (Jeremiah 17:9). I am learning that “in me (that is in my flesh [old nature]) nothing good dwells” (Romans 7:18). The closer I get to the light of God’s holiness, I cry out like Isaiah, “Woe is me, for I am undone!” (Isaiah 6:4) 

Growing requires time

However, did I understand the depths of my depravity the moment I received Jesus as my Savior? Does anyone ever understand the depths of their depravity at that moment? I don’t think so. Children or teenagers don’t understand the depth of their sinfulness. Neither do new converts. It requires time and spiritual growth. The closer I become in my relationship with Christ, the more rubbish I see in myself. If He dumped that all on you and I at one time, it would be devastating.    

What motivates you?

Yet in seeing more and more of my depravity, I am able to grow to understand more and more of His mercy and grace. The more I dig deeper into justification, the more I am compelled to live a life that glorifies Him and is good for me and those around me. His life insurance has given me what I don’t deserve (Spiritual life) and has withheld from me that which I do deserve (Spiritual death). When I understand that, it motivates me to grow in the grace and knowledge of our Lord and Savior Jesus Christ (II Peter 3:18; II Corinthians 5:14-15).  

God’s Policy promotes godliness

Understanding the comprehensive coverage of God’s Life Insurance actually promotes godliness and service. The grace of God teaches me to deny ungodliness and worldly lust; to live righteously and soberly (Titus 2:11). Grace never gives us the green light to sin more so grace may abound (Romans 6:1). That is a significant misunderstanding of God’s grace.

God’s grace always leads in paths of righteousness. If I am learning to develop my relationship with Him, His grace not only saves me from the penalty of sin, but It also saves me from the daily power of sin. Living by His grace and power glorifies Him and is good for me. Am I growing in the grace and knowledge of the Lord Jesus Christ?

For the Lord does not see as man sees; for man looks at the outward appearance, but the Lord looks at the heart. II Samuel 16:7


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.

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