"And whoever does not provide for relatives, and especially for family members, has denied the faith and is worse than an unbeliever" 1 Timothy 5:8
In biblical times society was based on an agrarian economy with land being passed on from generation to generation. Since families lived off the land, this acted as the equivalent of an insurance policy – the land provided the resource for providing for the family from generation to generation. With the shift to an industrial society we figured out that there is strength in numbers.
That’s the idea behind insurance: If enough people can pool their money and form a large enough fund, then together they can handle practically any financial disaster. Your motivation for contributing to an insurance fund is your own eligibility to draw from the fund if disaster hits your family.
Resources on this page should help you discern what actions you should take to protect your loved ones.