Faith Insurance

GuideOneInsurance is a special kind of niche-market insurance company.  While some insurance companies cover acts of God; GuideOneInsurance covers godly acts.  It offers “churchgoers” a special FaithGuard insurance plan that covers the following features:

1. Anyone involved in an automobile accident while driving to or from church services doesn’t have to pay their deductible.  [This concession makes no sense to me.  If God strikes down the cars of those driving to a church service, then clearly they have chosen the wrong religion.  I'd only waive the deductible for those who experience accidents while leaving church, as they've obviously chosen the correct religion if God is actively trying to prevent them from leaving.]
2. Up to $750 of tithing or church donations are covered in the event that the churchgoer loses his income as a result of an automobile accident.  Unlike the others, you can qualify for this one even if you weren’t injured while driving to church.  [I mean, Jesus Christ, people.  God wouldn't strike you down if you weren't so stingy and donated more money.]
3. The medical limits are doubled if injured while driving to or from a worship activity.  [As an atheist, even I support the spirit of this benefit, which encourages theists to be injured twice as much as atheists.]
4. Automobile loan payments of up to $3000 will be paid if the insured loses his income, but only if you happen to be driving to or from a church activity. [If you were driving to donate blood or volunteer at a soup kitchen, fuck you.  Your car isn't worth their money!]
5. Memorial service donations of $1000 will be given as a gift in the event that the insured dies in an automobile accident. And you don’t even have to be driving to church to get this one!  [Atheists, of course, will have to pay for their cremation themselves.  In hell.]

It is clear that conservative voters have never heard of this plan.  They’d no doubt have a riot over this insurance coverage, owing to their incessant fears of insurance policies that promote “death panels.”  Here we have a plan that offers incentives for churchgoers to get into automobile accidents and die!  They will literally pay you $1000 if you just drive off a cliff!  These are the death panelists we’ve been hearing about all this time!

The insurance company also offered a similar FaithGuard plan for homeowner’s and renter’s insurance, probably giving monetary incentives to those who accidentally burned their house down while lighting their religious shrines or who flooded their basements after trying to do in-home baptisms.  None of this should be surprising coming from an insurance company that focuses on niche markets, like churches, and whose tagline is “Place Your Faith in the Expert.”  Although I think, “FaithGuard: So easy a primitive, Sun-god worshipping cave man can do it!” is a much better motto.  But only if the mascot is a talking gecko of some sort, or possibly a snake.

Naturally, the FaithGuard policy is highly illegal and discriminatory.  Thankfully, the company has recently settled a court case after being sued by nontheists, and the in-depth, legal details of the FaithGuard insurance plan are no longer accessible from their website, indicating its pending removal.  Now people of faith everywhere will no longer feel so free to drive so recklessly, knowing God and illegal insurance policies are no longer protecting them.

Of course, the company claimed to welcome all applications, no matter the religious affiliation, sex, race, handicap, or familial status.  Although I’m sure those who attend mosques or temples felt quite welcome by the website’s frequent use of “church” and “churchgoer” in discussing the FaithGuard policy.  And I have to wonder whether they’d really donate $750 to a tithing Satanist’s place of worship, or if they’d instead send the claim to an adjustor to try to find any legal loophole with which to deny it.

Needless to say, I’m happy with my AtheistGuard insurance policy: Anyone in an accident while driving to or from a science- or education-related event gets a free lollipop!

Thanks to the affable Friendly Atheist for the story.