God’s Providence Triumphs over Disaster
My friend was having a cup of Hazelnut coffee at Panera with an acquaintance who suffered a catastrophic financial loss. Unscrupulous business associates swindled him out of everything he owned, forcing him into bankruptcy and foreclosure of his home. He even lost his so-called friends. Only his wife & children stood by him.
For a few years, the acquaintance had to live in his daughter’s home, sleeping in an upstairs’ bedroom and watching TV from a couch in the basement. When his wife got a job as a grade school teacher and he got a job as a document courier, they were able to move into their own small condo.
His job as a courier required that he drive over 400 miles a day. He started at 8am at the Bank’s Main Office to pick up the mail to be delivered to various Branch Banks throughout the state. At the end of the day, he picked up bags of checks to be processed at the Bank’s Main Office, where his day ended at 8pm. He returned home, exhausted. He was able to perform these duties while suffering from a permanent disability in both legs. The job was mainly driving.
While their combined current income provided sufficient food, clothing, and shelter, they had nothing for emergencies or retirement. He lost all their assets during the fraudulent swindle scheme. He also lost his $900,000 of term life insurance because he couldn’t pay the premiums. Even his death wouldn’t provide for his family.
One day, he got a phone call from his youngest son who got a job at the Life Insurance Company that issued his life insurance policies. The son asked if he still had his actual policies. My friend found them in a box, in the basement, and sent them to his son.
A month later, my friend’s acquaintance got a phone call from a lady who said she worked in the “Disability Waiver of Premium” Department. All of the policies that he sent had that disability waiver. She asked if my friend’s acquaintance had all his medical records involving his permanent leg disability. He found those medical records in a box in the garage, and mailed them to her. Then she called a month later, asking for his federal Tax Returns for the 3 years prior to his disability and the 3 years after. Those were easier to find, and he mailed them within a few days.
About a month after all of the requested documentation was sent to the “Disability Waiver of Premium” Department that lady called and said that she had good news:
- The Insurance Company re-instated $800,000 of his Life Insurance policies because his permanent disability occurred BEFORE he stopped paying his premiums.
- The “Waiver” required that all those policies should be converted to “Whole Life” policies that have “Cash Surrender Value”, and back-dated 6 years, to the year of reinstatement.
- Those conversions resulted in the “creation” of over $100,000 of immediate “Cash Surrender Value”, which would increase every year.
My friend’s acquaintance was mute. He didn’t know what to say or ask. Finally, he asked if she could send him a letter confirming all the things that she told him. She replied that the letter was already in the mail. He got the letter a few days later. It stated exactly what she said, only with more details.
The man’s financial life was restored. He could receive the annual increase in Cash Surrender “Dividends” as income to live on. He could receive accumulated “Cash Surrender” funds to be used for emergencies or a down payment on a new home. All of this happened without any planning on his part. It was a “Miracle”.
My friend’s acquaintance discovered that God’s Providence trumped all of his clever self-reliant schemes in the past. Like Solomon discovered that all of his Wealth, Power, and Pleasure was “Vanity. All is vanity>” Like Job discovered, in pain & loss, that, “God knows me.” And “My Redeemer lives.”
A relationship with God is NOT “The opium of the masses.” – like Marx said. A relationship with God is like the “Good Shepherd” who lies down in verdant pastures with me, and I shall not want.”