Genesis S

Insurance is important to me for a plethora of reasons. I am currently too young to think about obtaining life insurance but I know that health, auto and home insurance all affect and touch my life in some way, shape or form.

I cannot help to recall “Needlenose Ned” or “Ned the Head”, AKA Ned Ryerson from the movie Groundhog Day. His character played the obnoxious but anticipated Insurance Salesman who stated, “Do you have life insurance, Phil? Because if you do, you could always use a little more, right? I mean, who couldn’t?” These words echo in my mind when I think about the need for insurance in our society. Seriously, Ned’s daily remark to Phil, played by Bill Murray, should be the adage of all common sense Americans!

I am blessed that I am under the umbrella of my parents’ insurance plans. Without them, I’d be sunk for sure. I cannot count the number of times that I’ve been to see the doctor and what would have normally cost hundreds of dollars, only cost the equivalent of a $10, or maximum, $15 copayment. This, in and of itself, is a great reason to be covered by health insurance.

Auto insurance has always been useful for my parents when they have been in minor accidents and resultantly, have been taken care of by the body shop with the assistance of their auto insurance provider. Auto insurance will also be a direct part of my life very shortly when I start to drive full time. I am really pleased to have this kind of insurance which gives me peace of mind on the road, especially as a new and inexperienced driver!

My folks have even utilized their coverage for home insurance when we had a leak going from the upstairs bathroom and into the kitchen ceiling downstairs. It was a relief when their home insurance was able to work for them and provide the right contractors who were vetted by the company in order to repair the problem.

Delving into the importance of insurance on a practical level is an easy case to present, for the most part. Principally though, the importance of insurance must be further evaluated. Being that I am a person of faith who strongly adheres to the Bible, I must ask myself whether it is religiously prudent to believe that insurance is important for a spiritually minded person. After all, some might mistakenly surmise that a person led by faith should not be influenced by seeking the protection of insurance as it might, ultimately, be perceived as a lack of faith in the end. Conversely, misinterpreting this concept could be potentially dangerous for such a soul. I would respond to this thinking that insurance is not, in and of itself, a means to prevent accidents. Rather, insurance is a means to remunerate one’s loses should such an event occur. Proverbs 27:12 reads, “A prudent man foresees the evil, and hides himself; but the simple pass on, and are punished.” II Corinthians 12:14 teaches that the children should not necessarily provide for the parents, but the parents for the children. Life insurance is definitely a great way for parents to provide for their family’s future in the event of an unexpected disability or even death.

Coverage like liability insurance helps to protect others as well. God’s ways throughout history and the Bible always laid the responsibility for incurring injury onto others squarely at our own feet. We are called to compensate others when required by both God’s law and the law of the land. At the least, obtaining liability insurance assists to implement this very spiritual principle in a hugely practical way by mitigating the financial loss of all people involved.

These are strong Biblical principles, which makes insurance even more important to me.

In obtaining the correct insurance policies, it is important to search and shop around. There are many online tools that can be of great assistance in seeking out the correct plans that will be the most valuable for each individual or family. There are so many companies to choose from and so many different approaches to ponder that it would most likely be best to seek the counsel and direction of a professional in this field, just like Ned Ryerson but not near as obnoxious!

I see insurance like a present plan for an unforeseen future failure. If I plan my life well and succeed in college while pursuing my dream to become a nurse, I can obtain the best insurance that will help me to help others. Peace of mind goes a long way and great insurance going forward in my college career and beyond will help to smooth out any potential kinks. This, in turn, motivates me about planning for my future and along with my successes; any failures that insurance can help me to overcome will be welcomed in order to lighten the load. After all, isn’t that what insurance is all about? This, for me, reflects why insurance is so important, “because if you do [have insurance], you could always use a little more, right?”

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Best Way to Choose a Life Insurance Beneficiary

Consumer Guide to Life Insurance

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Use Life Insurance to Protect Co-Signers on Student Loans

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