Buying Salvation Without Coverage!


Many years ago I took over an insurance agency from a man who was retiring. Shortly after I became the agent, I received a call from a client who wanted to know something about his business insurance. However, upon examination, I discovered that my company had no record that he had ever had insurance with them. When I asked the client regarding the premiums and paperwork, he told me that the agent had always “personally” handled it for him. This left me in an uncomfortable position of informing him that apparently, he had paid premiums for the past few years, but that the money had never been turned into the insurance company. Since there had never been a claim, the discrepancy had never been discovered. For all intent and purpose, there was no insurance coverage in force for years for this man. As you might imagine, he was very upset. I calmed his fears by saying that I would get everything straightened out and that all would be fine from this point on. He was happy to hear that I would be making things right.

I set up a meeting so I could gather all the business information needed in order to give him proper coverage and rates.  I then went back to his place of business to explain his new policy coverage. As I sat and explained his coverages he seemed very pleased.  I felt relieved that all would be made well.  Then I showed him the rates. Well, to say it mildly, all “Heck” broke loose! He ranted and raved about its high cost! He ended his tantrum by complaining that,  “The old agent only charged me half of what you want!”

I was left speechless by his reaction.  I  reminded him that his old agent could charge him anything he wanted because he never actually gave him coverage. He just kept the money for himself.  Sadly, the client abruptly ended our appointment and said he would look elsewhere for his insurance. I don’t know what he eventually paid to get his business properly covered, but I do know that it wasn’t as cheap as what his old agent charged him. This businessman loved the price of his insurance but failed to understand that the great price came at his expense because he had no coverage.

The above experience happened to me over thirty years ago, but I still marvel at it.  It is a reminder to me that you have to pay the proper price in order to receive the desired coverage.  The Lord talked about empty promises that came from the mouths of the religious leaders of his days (Matthew 15:9) and the apostle Paul spoke of those in the last days who “would lie and wait to deceive” us. (Eph. 4:14)

When it comes to the salvation of our souls, let us not believe salesmen who sell salvation cheap but are unable to deliver the promised coverage. The Lord was clear when he said, “Be ye therefore perfect, even as your Father which is in Heaven is perfect.” (Matt. 5:48) This means we need to align our lives with the teachings of the Savior.

There is a heavy price required of all those who desire to enter into the kingdom of our Father. Obedience to the commandments is essential.  Salvation is given to those who walk the path paved by the Savior!

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