Insurance for Marriage

Updated: Nov 28, 2019

When thinking about marriage, the word insurance probably never comes to mind.  In fact, the question, “Why do I need to insure my marriage?” is probably the more plausible response.

Typically, when we think about insurance we think about things like car insurance…helps to replace or repair your car if damage occurs; health insurance…helps to pay for medical treatment and medications if needed and life life insurance…helps to pay for final expenses and supplement lost income for the loss of someone.

Insurance is defined as:

  1. a practice or arrangement by which a company or government agency provides a guarantee of compensation for specified loss, damage, illness, or death in return for payment of a premium

  2. a thing providing protection against a possible eventuality

My question is why shouldn’t we insure our marriages?  Over the course of time marriages will be damaged and need repair.  Marriages will become unhealthy and need treatment to get better.  Marriages will also die and leave final expenses to be covered.

In the definition of insurance there are two key terms that jump out that I want to explore…payment of a premium and providing protection.

Premium Payment:  To purchase insurance one has to pay a premium.  Insurance for marriage is no different, payment must be made, but the payment types can be different.  We will explore acceptable payments for marriage insurance:

  1. Prayer:  The payment of prayer is when couples pray together as one and individually for their marriage and each other.  The payment of prayer, believe it or not, is the most elusive form of premium payment in marriage, but is the most fruitful.  The great thing about prayer payment is that when done right, it usually results in an overpayment assuring that your policies do not lapse.

  2. Quality Together Time:  Usually we call this QT, but I am adding the additional ‘T’ because you can have quality time apart, but QTT is a form of payment that covers payment for many policies.  Failure to make this payment can cause one or both partners to errantly seek a loan to make the premium payment which will actually cause a claim to be taken against one of the policies.  QTT payments vary from simple nights of watching TV together to an out of town excursion.

  3. Acts of Service:  Serving each other is one of those payments that has a boomerang effect when done properly.  It’s kind of like a savings account, you earn money by allowing the bank to keep your money.  When you serve each other you receive back what you gave with interest usually.  So while the payment may seem burdensome sometimes, the reward is always sweet when both of you are engaged in serving one another.

  4. Alone Time:  Having the ability to spend time apart is also an awesome payment to each other as long as you don’t lose honor for each other.  Having time to reflect and grow so that you can be a fully functional partner in your marriage is always a good thing.  To have time to miss each other is not always a bad thing.  It can make your marriage grow stronger.

Providing Protection:  When I think about protection, I think about defense.  From the context for football there is always a reference to “protecting the quarterback”.  To accomplish this goal there is a team placed around the QB to protect him and give him the opportunity to progress the team down the field towards the goal.  These team members are his insurance.  Let’s look at a few protection types (policies):

  1. Intimacy:  This policy defends against unwanted access to the heart by others outside of the marriage.  When you work to purchase this policy you improve your ability to be on one accord.

  2. Communication:  This policy defends on the need for outside input into intimate matters concerning your marriage.  Outside input is always a danger to your marriage when you are talking to others about things you are not giving your spouse the opportunity to address.

  3. Sex:  Probably fooled you.  You thought that sex and intimacy were a part of the same policy but they are not.  You can and should have some intimacy that does not involve sex.  You also should have some sex…fun sex…that is not overly intimate, but just pure enjoyment of each other.

  4. Love:  The policy of love is a coverall policy.  This policy, when exercised properly, allows room for each other to make mistakes without falling out and becoming bitter.

  5. Respect:  This policy builds a bond of knowing that you are honored as a significant member of the marriage team.

  6. Trust:  This policy, aside from Christ, is an important cornerstone for any marriage to thrive.  When it is absent none of the other policies provide proper coverage.  There will be a gap in what the other policies can pay and what they actually do pay.

  7. Christ:  This policy bridges the gaps and shortfalls of all other policies.  This policy is not only a coverall, but it is the foundation from which all the other polices should be underwritten.  If not, the other policies will fail.

So what is the point?  Evaluate your marriage for coverage gaps and then get before the master agent to close the gaps. ​