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Thursday, March 11, 2021

Walther on Life Insurance: A curse, not a blessing (Der Lutheraner, 1881)

      I have previously blogged on this subject from the teaching in Franz Pieper's Christliche Dogmatik, where Friedrich Bente's essay was quoted.  Now someone in the LC-MS, in order to justify the rampant acceptance of Life Insurance in that church body, might wonder that C. F. W. Walther did not touch on this controversial subject – but they would be quite mistaken.  In the Sept. 1881 issue of Der Lutheraner, p. 141, Walther hardly soft-pedals this matter:
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C. F. W. Walther (image: Find-A-Grave)

Life insurance. Now even secular newspapers, edited by godless writers, are beginning to raise their voices against the swindles to which especially the Life Insurance companies give rise. One of such swindles is that speculators insure the lives of arbitrary, mostly already old and infirm people, who have nothing further to do with the matter and at most receive a few dollars in tips for insuring their lives. Of course, the insurer's hope for great profit is based on the hope that the person he has insured will die soon. The consequence of this is not seldom murder of the insured. During the last ten years, probably half a dozen cases have come to light in which people whose lives were insured by others out of speculation have been killed by the insurers or on their behalf. God knows in how many other cases this has happened, in which the crime has remained hidden. Even a godless paper therefore rightly calls life insurance - "death lottery". It is sad that even people who want to be good Christians insure their lives. Hitherto it has been thought that the best life insurance companies are the so-called "mutual" ones, which do not require an annual deposit, but only a certain tax as often as a member of the company dies; but the "Illinois State Paper" points out that this is the "newest and most abominable form of gambling, on a par with gambling houses". Oh shame, that even “Christians”, denying the living God, participate in fraudulent institutions, in order to see their own provided for after their death! Such bequeath instead of a blessing — a curse, which also consumes the blessing. W. [Walther]

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      Now today's Life Insurance companies will vehemently deny Walther's points.  But why do so many murder mystery stories involve Life Insurance fraud today?  The story writers/ screenwriters want to create stories that are believable, and what is more believable than Life Insurance fraud?  And why would Life Insurance companies investigate for fraud… if there wasn't fraud (i.e. murder, etc.) being committed? — Walther's vehemence against Life Insurance for Christians makes Pieper's Dogmatik seem mild by comparison, but Pieper makes exactly the same point, except the English translation of this portion was omitted!

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