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I was shown that Sabbathkeeping Adventists should not engage in life insurance. This is a commerce with the world which God does not approve. Those who engage in this enterprise are uniting with the world, while God calls His people to come out from among them and to be separate. Said the angel: "Christ has purchased you by the sacrifice of His life..................Life insurance is a worldly policy which leads our brethren who engage in it to depart from the simplicity and purity of the gospel. Every such departure weakens our faith and lessens our spirituality. Said the angel: "But ye are a chosen generation, a royal priesthood, an holy nation, a peculiar people; that ye should show forth the praises of Him who hath called you out of darkness into His marvelous light." As a people we are in a special sense the Lord's. Christ has bought us. Angels that excel in strength surround us. Not a sparrow falls to the ground without the notice of our heavenly Father. Even the hairs of our head are numbered. God has made provision for His people. He has a special care for them, and they should not distrust His providence by engaging in a policy with the world. Test. vol.1 pg 549 - 551. Many of us today possess Life Insurance Policies, some of us sell them, are we denying the leading of the Lord by so doing or is it that this injunction is no longer relevant today?

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I'm glad you brought this up.  I have been meaning to study more on this.  A neighbor of mine (a non-adventist) and I were discussing this last week.  She is on a very fixed income, has MS and has a husband who is in his mid 60s.  She is paying over half of her social security on life insurance in case he dies so she can pay off the mortgage.  In the meantime, they sometimes don't have heat, food, gas, etc.  I told her that she might need to cancel it and trust God.  She knows my husband has life insurance through his job at a low rate and she asked if I would be comfortable canceling it.  I explained to her that I did have mixed feelings about having it, that I was raised believing that it was wrong but that like so many of Ellen White's writings, we have moved away from her advice by saying that now the situation is different.

 

But is it really?  Like I explained to her, life insurance, especially the higher priced policies that individuals buy, is a form of gambling.  The insurance company is making a profit.  You are gambling that your loved one will die before you either cancel the policy or the company cancels it because of changes in the person's health.  For example, my neighbor's policy on herself can't be renewed because she now has MS.  So she is paying for a policy that will be automatically canceled in five years.  She is only 56, what are the chances of her dying versus the company walking away with thousands of dollars in payments?  Is it gambling?

 

What of my situation?  A lot less money involved because it's through my husband's work.  I'm disabled with a child.  If he cancels it and dies, I'll still have social security or may even qualify for aid but not be as well off financially.  Is it okay because less money is involved or is it still gambling?  Is it a wise investment or a lack of trust in God?  Are some of Ellen White's writings only for her time and if so, how do we tell which ones?  We downplayed her advice on labor unions and look at the situation now in the Midwest.  I have a non-adventist for a husband so he belongs to the union like most of the people at his work and he pays for life insurance. 

 

Which brings up a point my neighbor had - if life insurance is gambling, what about health insurance?  I had never thought of it other than as a way to pay for my medical bills.  In a way, it is a social program spreading out the cost of the sick to the rest of the population.  On the other side, it is a way to make sure you can afford care if you need it (gambling again!).  Without it, we couldn't pay for my medicines and we wouldn't qualify for aid but is it morally wrong?  If a non-adventist notices that we aren't practicing what we preach, then maybe we need to really study the reasons behind our beliefs.

Wow! Interesting! Food for thought.

 

If you saved the money in a savings account would it also be gambling?

 

What is gambling?

 

 

I would think that it would depend on how much you saved and the reason for it.  Most of us don't have a lot left to save after bills, etc.  If you are saving money to use in an emergency, are you willing to share with others?  Have you prayed to ask God what He wants you to do?  I know we've been saying the end is coming for a long time and many of us keep thinking about money for retirement instead of using it for God.  If you are saving money because you know you will need new tires soon, is that different than saving money for a future that may never come?  By not using the money to finance God's work, are we delaying the spread of the gospel?  Seems like I get more questions and fewer answers!

As for gambling, my mother got to the point that she felt buying a stamp to mail an entry for a contest was gambling.  At the time, stamps were about 20 cents.  But it adds up.  We take a lot of gambles in life, only some involve money.  I'm gambling when I try to get a few more weeks out of old tires.  I'm gambling when I eat candy that somehow it won't affect my health.  We buy raffle tickets thinking of it as a donation.  But do you accept the prize if you win?  What about entering contests that don't have a cost?  Is that okay or is it still morally wrong in that you are trying to get worldly possessions?  And no, don't use the excuse that everybody else does it!  I really want to know if it is wrong!

Dorothy and Zoe, I just posted quotes from the chapter that Mrs White wrote on life insurance. Here is the whole thing. Read it prayerfully and let the Holy Spirit lead you. I had life insurance and used to sell it until I read this. By the way, I am yet to come across any of the SOP writings that have a time limit to it. We place expiratory dates on those portions we don't want to obey. What we need to look at is the underlying principle of the admonition and ask ourselves, does that still apply today? I've found out that it always does. Now for the chapter:  

Chap. 96 - Life Insurance
     I was shown that Sabbathkeeping Adventists should not engage in life insurance. This is a commerce with the world which God does not approve. Those who engage in this enterprise are uniting with the world, while God calls His people to come out from among them and to be separate. Said the angel: "Christ has purchased you by the sacrifice of His life. 

                                                                            550

'What? know ye not that your body is the temple of the Holy Ghost which is in you, which ye have of God, and ye are not your own? For ye are bought with a price: therefore glorify God in your body, and in your spirit, which are God's.' 'For ye are dead, and your life is hid with Christ in God. When Christ, who is your life, shall appear, then shall ye also appear with Him in glory.'" Here is the only life insurance which heaven sanctions.  {1T 549.2}     Life insurance is a worldly policy which leads our brethren who engage in it to depart from the simplicity and purity of the gospel. Every such departure weakens our faith and lessens our spirituality. Said the angel: "But ye are a chosen generation, a royal priesthood, an holy nation, a peculiar people; that ye should show forth the praises of Him who hath called you out of darkness into His marvelous light." As a people we are in a special sense the Lord's. Christ has bought us. Angels that excel in strength surround us. Not a sparrow falls to the ground without the notice of our heavenly Father. Even the hairs of our head are numbered. God has made provision for His people. He has a special care for them, and they should not distrust His providence by engaging in a policy with the world.  {1T 550.1}     God designs that we should preserve in simplicity and holiness our peculiarity as a people. Those who engage in this worldly policy invest means which belong to God, which He has entrusted to them to use in His cause, to advance His work. But few will realize any returns from life insurance, and without God's blessing even these will prove an injury instead of a benefit. Those whom God has made His stewards have no right to place in the enemy's ranks the means which He has entrusted to them to use in His cause.  {1T 550.2}     Satan is constantly presenting inducements to God's chosen people to attract their minds from the solemn work of preparation for the scenes just in the future. He is in every sense of                                                                             551

the word a deceiver, a skillful charmer. He clothes his plans and snares with coverings of light borrowed from heaven. He tempted Eve to eat of the forbidden fruit by making her believe that she would be greatly advantaged thereby. Satan leads his agents to introduce various inventions and patent rights and other enterprises, that Sabbathkeeping Adventists who are in haste to be rich may fall into temptation, become ensnared, and pierce themselves through with many sorrows. He is wide awake, busily engaged in leading the world captive, and through the agency of worldlings he keeps up a continual pleasing excitement to draw the unwary who profess to believe the truth to unite with worldlings. The lust of the eye, the desire for excitement and pleasing entertainment, is a temptation and snare to God's people. Satan has many finely woven, dangerous nets which are made to appear innocent, but with which he is skillfully preparing to infatuate God's people. There are pleasing shows, entertainments, phrenological lectures, and an endless variety of enterprises constantly arising calculated to lead the people of God to love the world and the things that are in the world. Through this union with the world, faith becomes weakened, and means which should be invested in the cause of present truth are transferred to the enemy's ranks. Through these different channels Satan is skillfully draining the purses of God's people, and for it the displeasure of the Lord is upon them.

But does that have anything to do with today's society?

Our prophet frequently spoke only to those in her time and culture.

Is this not one of those times?

As I said previously, there is nothing in this exhaustive statement that says time and or culture. Look at the principle bro and stop trying to downplay the word of the Lord. Just remember that if you are wrong, you are leading many people astray. Be cautious when responding to anything for which you have no scriptural or SOP support.

Obviously I don't have any scriptural or SOP support. I simply asked a question. Does one have to have support when they don't know something? How silly.

Last time I display my ignorance.  :(

Hi N Him, grace and peace.

You did not "just" ask a question.

You asked a question, made a statement, then asked once more a question, which may lead people to think you know something, when in fact you don't. This could easily pose a stumbling block for someone in doubt, or who may not be strong in faith, scripture or SOP.

I agree with Russell, please be cautious.

 

Proverbs 3:11 My son, despise not the chastening of the LORD; neither be weary of his correction:   3:12 For whom the LORD loveth he correcteth; even as a father the son [in whom] he delighteth

As to life assurance, I have now a huge conflict with myself. Although I do not directly sell it, my company does, and I refer clients who seek these products. It is very seldom, without a severe conflict of interests, that I can verbally witness for Christ. 

To raise the issue of trusting God rather than man when I have been invited into an environment  (persons home) to discuss finances can prove very problematic to say the least. Most of my clients do not walk with God.

 Yes, I am asking YOUR advice and counsel on this point.

However, I do not have life or medical assurance, make to the best of my knowledge and ability, full use of Gods health laws, and would never advise a God fearing person to do otherwise.

I look forward to your responses.

God bless, Scott.

That is one of the questions I have - Did Ellen White speak at times to only those in her time period?  If we apply the principles of the Bible to our time period (and it was written even longer ago), then why do we excuse following Ellen White's advice saying it is no longer relevant?  And no, I'm not placing her on the same level as the Bible but if she was inspired by God, then shouldn't we look at the underlaying principals?  It sounds like she is saying the money should be invested in God's work instead.  Insurance companies are still making a profit and still worldly.  It does sound like having life insurance is showing a lack of trust in God and also profiting the wicked instead of God.

It is going to be a hard decision to give up the insurance though.  It seems like peace of mind and security but I'm trying to get my life in tune with God.  That means I have to follow His advice even if to me it doesn't make as much sense.

 

Hi

 

I think it is that the church was supposed to have a system in place to take care of their (our), own.

 

I think the Mormons have one.

 

In any instance the passage has to do with purposely seeking out life insurance.  If such as union payments or insurance attached to loan policies etc, can not be avoided, or the funds redirected, it may be permissible.

 

This is not an irrelevant matter.  We need to obey and avoid life insurance, unions etc.  The message God sent through her is for the last days.  Be careful of how your mind is working.  We need not rationalize away the commands of the Lord.  This is what he did to Eve.

 

Take Care

 

Walt

 I believe that having some measure of providing for your family in case of your untimely death is an important part of wise Christian stewardship. It is our duty as providers of the family to have a plan in case of death;

it's inevitable!   Life Insurance is something that can used wisely and unwisely. If used correctly,  it can be a huge blessing in times of tragic losses. If used incorrectly it can become a financial drain on your budget and leads to a lack of faith in God. God ask us to be wise stewards and its our biblical duty to provide for your family even after you die. Yes we need to have faith that God will provide for our families when we die but  

              "Faith without works is dead" James 2:14.


You can find solid Christian based financial advice at the Crown Financial Ministries website. They have an excellent article on life insurance.

 

As for  the words of the prophet, I think that research should be done into how the insurance industry was during her times. That may hold the key as to why she made those statements.

I don't know who crown is but will check it out. In the mean time, if what they advise is against the SOP, I stick with the SOP. All of us should do so.

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