Personal insurance
Life, disability, long-term care and retirement products offered by organizations with a Christian or Catholic membership identity.
See actual insurance organizations →Home / Christian Insurance
CHRISTIAN INSURANCE
Christian Insurance
Explore insurance organizations with a Christian identity, coverage built for churches and ministries, and Christian healthcare-sharing programs. We make the most important distinction clear: what is actual insurance and what is not.
God's Insurance is a Christian lifestyle brand, not an insurance agency. This guide is educational and does not sell, quote, broker or arrange insurance.
FAITH + RESPONSIBILITY
Trust God deeply. Protect your family and ministry responsibly.
GI
The name God's Insurance is a faith metaphor. Real insurance is still a practical financial tool. Christians can hold both ideas at once: trust God deeply and prepare responsibly.
CHRISTIAN INSURANCE AT A GLANCE
Three different categories. One important distinction.
“Christian insurance” can describe very different things. Start by identifying what kind of protection or arrangement you are actually considering.
Church & ministry insurance
Insurance designed for churches, ministries, Christian schools and other faith-based organizations with specialized property and liability risks.
See ministry coverage →Healthcare sharing
Christian members share eligible medical expenses under ministry guidelines. These programs are not health insurance.
Understand the difference →ACTUAL CHRISTIAN INSURANCE OPTIONS
Insurance organizations with a Christian or Catholic identity.
These organizations offer real insurance products or insurance for Christian ministries. They serve different needs, so compare eligibility, policy terms, financial strength and state availability before choosing.
Thrivent
Thrivent describes itself as a membership-owned financial services organization whose members share a common bond of Christianity.
- Life insurance, including term and permanent options
- Insurance sales are tied to eligible Thrivent membership
- Also offers financial planning, investments and generosity programs
Knights of Columbus
Knights of Columbus offers insurance and retirement products in a Catholic fraternal framework.
- Permanent and term life insurance
- Retirement annuities
- Long-term care and disability-income insurance
Catholic Order of Foresters
Catholic Order of Foresters offers life insurance and fixed annuity products while connecting membership with Catholic community and charitable activity.
- Term, whole and universal life products
- Fixed annuity products
- Some products and riders vary by state and eligibility
Brotherhood Mutual
Brotherhood Mutual specializes in insurance for Christian churches and ministries rather than ordinary personal health insurance.
- Church property and liability coverage
- Auto and workers' compensation options for ministries
- Mission-travel and ministry-specific risk services
Company descriptions are based on each organization's official public materials. Inclusion here is informational and is not an endorsement by God's Insurance.
CHRISTIAN HEALTHCARE SHARING
Healthcare sharing is not health insurance.
Christian Healthcare Ministries, Medi-Share and Samaritan Ministries all explicitly describe their programs as healthcare sharing rather than insurance. Members generally share eligible medical expenses under each ministry's rules.
Christian Healthcare Ministries
CHM describes itself as a Christian health-cost-sharing ministry and an alternative to insurance. Eligibility, sharing rules and program levels are governed by CHM's guidelines.
Read CHM's official information →Medi-Share
Medi-Share states that members voluntarily share each other's medical expenses and that the program is not insurance or regulated as insurance.
Read Medi-Share's guidelines →Samaritan Ministries
Samaritan Ministries describes its approach as a biblical, non-insurance method of sharing healthcare costs among participating Christians.
Read Samaritan's official information →Sharing and insurance work differently.
An insurance policy creates contractual obligations governed by policy terms and insurance regulation. A healthcare-sharing ministry operates under its own membership and sharing guidelines and may not provide the same guarantees or regulatory protections.
Never assume “Christian health plan” means health insurance.
SIDE-BY-SIDE
Know what category you are looking at.
| Category | What it is | Examples on this page | What to verify |
|---|---|---|---|
| Personal life insurance | An insurance contract intended to provide a death benefit under policy terms. | Thrivent, Knights of Columbus, Catholic Order of Foresters | Eligibility, policy type, premium, underwriting, riders, exclusions, state availability and insurer financial strength. |
| Church / ministry insurance | Commercial-style insurance designed around risks faced by churches and ministries. | Brotherhood Mutual | Property limits, liability, abuse/molestation coverage, vehicles, workers' compensation, missions and organization-specific exposures. |
| Healthcare sharing | A member-based arrangement for sharing eligible medical expenses. It is not insurance. | CHM, Medi-Share, Samaritan Ministries | Membership requirements, eligible expenses, pre-existing-condition rules, maternity rules, annual/member responsibility, sharing limits and dispute procedures. |
WHAT TO COMPARE
Faith alignment is only one part of the decision.
Whether a provider is explicitly Christian may matter to you, but the product still has to fit the actual financial or healthcare need.
What is the product?
Life insurance, disability coverage, church liability insurance and healthcare sharing solve very different problems.
Is it actually insurance?
Look for explicit language. Do not assume a healthcare-sharing ministry carries the same contractual guarantees as insurance.
Who can join?
Some fraternal organizations and sharing ministries have faith, membership, lifestyle or affiliation requirements.
What is excluded?
Read official policy documents or sharing guidelines instead of relying only on marketing summaries.
What happens when you need help?
Understand claims or sharing procedures, appeals, customer support and how payment decisions are made.
Is it available where you live?
Insurance products, riders, eligibility and regulatory rules may vary by state.
THE GOD'S INSURANCE VIEW
Faith is not an excuse to ignore practical responsibility.
Trusting God and planning responsibly do not need to compete. Insurance can address financial risk. Prayer, Scripture and Christian community address something a policy never can.
THE BRAND LINE
Insurance can cover a bill. It cannot replace faith.
That distinction is where the God's Insurance concept works best: clever enough to start a conversation, clear enough not to confuse a metaphor with a financial product.
FAQ
Questions about Christian insurance.
Is God's Insurance an insurance company?
No. God's Insurance is a Christian lifestyle and ecommerce brand. It does not sell, quote, broker or arrange insurance.
Are healthcare-sharing ministries health insurance?
No. The ministries listed on this page explicitly state that they are not insurance. Their rules, obligations and protections differ from insurance contracts.
Is Thrivent a Christian organization?
Thrivent describes itself as a membership-owned financial services organization serving members who share a common bond of Christianity. Its insurance products are offered to eligible members.
Are Knights of Columbus and Catholic Order of Foresters broadly Christian?
They are specifically Catholic fraternal organizations. They belong on this guide because Catholicism is a major Christian tradition, but their membership and product eligibility should be checked directly.
Does appearing here mean God's Insurance recommends a company?
No. The list is educational. Always verify current terms, eligibility and availability directly with the provider and, when appropriate, a licensed insurance professional.
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