The Big Red Umbrella

For the past few years, every fall and spring my husband and I have hosted a small group in our home which deals with handling your finances. We attended such a class ourselves back in 2011 when we were on the verge of a serious financial crisis and this was one of the tools God gave us to help weather the storm. We have become passionate about helping other people learn how to be good stewards of what God has given them so that they might bring honor to his name Him and He can use them to help and bless others as well.

One of the lessons in the series is on the role of insurance. It helps people decide if they are under-insured or over-insured. Yes, it is not unusual for people to have insurance they don't need. Take cancer insurance for example. In the US, unless you have a horrible health insurance ( the sort that is supposed to be illegal now) or no health insurance, you don't need cancer insurance. Why? Because your regular health insurance already covers cancer treatments.

Every time, after the insurance lesson is over, my husband and I look at each other and say, "We really should contact our insurance agent and ask about an umbrella insurance policy." Then true to form, we promptly forget about it until next time.

A few weeks ago, when I went online to review my new auto and homeowner insurance policies, I noticed a blurb about umbrella insurance on the website. I needed to call my agent about something anyways (yes, we still have an agent that we call directly or stops by the house if need be), so I inquired about umbrella insurance. I reminded him that my husband is in school and we are on a tight budget at the moment so I was just checking into it. He chuckled and asked me how much I thought it would be to get a umbrella coverage for a million dollars. I named some ridiculous amount and he laughed. Based on our track record, the cost for this additional coverage would be less than $15.00 a month. Needless to say, he will be coming by next week, to answer any additional questions my husband might have and in all probability, we will be signing the papers for the coverage as well.

This got me to thinking about the most important coverage of all, the blood of Jesus Christ. It covers every sin I ever have or ever will commit. It heals me, protects me and provides for me. There is no limit to its coverage and it covers everything. Best of all, its coverage is guaranteed. Anyone can apply and no one who applies is rejected.

In the natural, while home and auto insurance companies might fight for my business, the opposite is true when it comes to health and life insurance. Especially life insurance. I have so many strikes against me that I am considered to be uninsurable when it comes to life insurance. I would think my history would make them think that I am extremely resilient. They do and off-the-record, the people I have talked to think that I will probably out-live them but the rules are the rules.

I am very glad that God did not deny me His coverage because I was sick, broken and dressed in filthy rags. In fact, that is exactly who His coverage is for. I am very thankful that I am covered by God's big red umbrella.


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Photo credit: jodigreen / Foter / CC BY-NC-ND

Beth M @blest ·

Once again, an outstanding analogy!

:clap: :heart:
John Knox @watchmanjohn ·

When I grew up in the church circles it was considered to be a lack of faith to have any form of insurance. Needless to say my wife and I wrestled over this and in the end we have insurance more so when the children came along.

But excellent blog referring to Christ's sacrifice.