If you turn on the radio long enough, you’ll hear it: a cheerful jingle promising that when disaster strikes, your insurance company will be there for you. The slogan’s so familiar it’s almost comforting.
But let’s be honest—companies go out of business. Policies lapse. Premiums rise. “Coverage may not apply in all areas.” We insure cars, houses, even our pets—yet somehow we forget to insure the one thing that’s guaranteed to outlast them all: our souls.
And that’s where Jesus starts talking about a different kind of coverage.
A policy written in His own blood.
A plan that never expires.
A company that’s already here.
Heaven Farm Insurance.
And like the sign says on the barn out front: Heaven Farm Is Here.
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Introduction — The Coverage Nobody Talks About
We live in a world obsessed with protection.
There’s flood insurance, crop insurance, phone insurance, even wedding insurance for couples who don’t trust their caterer. We’ll pay to protect almost everything—except the very life that outlasts everything.
Jesus knew we’d be like this. That’s why, just before He went to the cross, He told a story about people who thought they were covered… and found out too late they weren’t.
It’s the parable of the ten bridesmaids in Matthew 25.
Ten lamps. Ten women waiting for one bridegroom.
Five prepared. Five careless.
They all expected joy. Only half experienced it.
This is not a story about bad people.
It’s about uninsured people.
People who meant well, believed right, sang the songs, showed up for the ceremony—but forgot to check their spiritual policy.
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Clause #1 — Read the Fine Print: Small Details Matter
Every farmer knows the harvest doesn’t happen by accident.
You check the soil. You fix the fence. You oil the tractor.
Neglect one small thing and it all unravels.
The foolish bridesmaids missed one small thing—extra oil. They weren’t immoral or rebellious; they were simply inattentive.
Jesus was teaching that spiritual neglect is never neutral.
What seems small now grows enormous at midnight.
You can ignore prayer for a while, and the crops still look fine.
You can skip church for a season, and the barn still stands.
You can put off forgiveness, and the sky still looks blue.
Then one night the wind changes, and you discover how dry the field really is.
Faith isn’t something you “file and forget.” It’s more like irrigation—constant, steady, intentional. Stop tending it, and your field goes brittle.
A modern parable from the county fair:
A fellow named Jack once missed his own wedding. True story. Not because he didn’t love the bride—because he forgot to renew a $30 tag on his car.
That tiny lapse triggered tickets, fines, a suspended license, and—on the way to the church—an arrest.
He begged the officer, “It’s my wedding day!”
The cop said, “So’s the excuse.”
Jack eventually made it—but barely—and his insurance company refused to cover the accident because his license was invalid. The man who forgot to renew his tag now sells… insurance.
You can almost hear Jesus smiling: “The kingdom of heaven will be like that.”
We chuckle, but we all have neglected policies lying in a drawer somewhere.
Some are spiritual: prayer left unread, Scripture unopened, repentance unsigned.
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Clause #2 — Personal Coverage Only: You Can’t Be on Someone Else’s Policy
When the bridegroom finally arrived, the foolish bridesmaids turned to the wise:
“Share your oil with us!”
It sounds generous to ask—but this isn’t a policy you can split.
Your mother’s faith doesn’t cover you.
Your pastor’s prayers don’t count as your deductible.
Your spouse’s devotion doesn’t transfer to your account.
Heaven’s policy is individually underwritten.
There’s a sign over every heart that reads: “Coverage available—apply within.”
I saw a sign once in a mechanic’s shop that said,
“Lack of preparation on your part does not constitute an emergency on my part.”
That’s not rudeness—it’s reality.
Salvation works the same way.
God’s mercy is endless, but it’s also personal.
No one can make the decision for you; no one can keep your lamp burning but you.
You can stand in a church full of light and still be dark inside.
You can live near the gospel and never open the policy.
You can have all the right paperwork and still forget to sign the line marked “Trust.”
Heaven Farm doesn’t sell family plans.
Only individual coverage—each name hand-written in the Lamb’s Book of Life.
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Clause #3 — Policy Expiration: There Is Such a Thing as Too Late
Every farmer knows: there’s a window for planting. Miss it, and no amount of praying over the dirt will bring a harvest. You can’t sow corn in December and expect a July barbecue. Seasons matter.
Jesus drives the same truth home. When the cry went out, “The bridegroom is here!” the unprepared scrambled. They dashed off to find oil, waving IOUs to heaven. But while they were gone, the door closed.
It wasn’t cruelty. It was closure.
The party had begun.
They pounded on the door, breathless and ashamed:
“Sir, open for us!”
And from inside came the words no one ever wants to hear:
“I don’t know you.”
The saddest sentence in Scripture is only five words long.
Not “You sinned.”
Not “You failed.”
Just “I don’t know you.”
They weren’t denied because they were wicked—they were strangers.
They never filed the policy.
The Gospel Version of a Lapsed Policy
We all understand expiration. You forget to renew your driver’s license or your health insurance, and suddenly that little plastic card means nothing.
Grace isn’t like that—God’s mercy doesn’t expire—but human opportunity does. Every “later” risks becoming “never.”
You and I are not promised next harvest. We have this one. This season. This invitation.
Paul says it like this:
> “Behold, now is the accepted time; behold, now is the day of salvation.” (2 Cor. 6:2)
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A Door Still Open
There’s a rhythm to the way God works: warning ? wait ? welcome.
Judgment is never His first move. Mercy always leads.
That’s why the sign on the Heaven Farm office reads “Open 24 Hours—Walk In Only.”
No appointment required.
No co-pay.
No deductible.
Just come.
The premium has already been paid—fully, eternally—by the blood of Jesus Christ. The cross was the signature line. When He said “It is finished,” the policy went active.
That’s the good news of the gospel:
The company hasn’t folded.
The claim department never closes.
And the coverage is still available—today.
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An Invitation to Apply
Maybe you’ve spent years thinking you’d “get around to it.” You’ve been busy working your own acreage, promising to check your spiritual coverage when things slow down. Friend, the forecast is changing.
You don’t have to fear the fine print. There’s no hidden clause that cancels you out. The only exclusion is refusal.
If your lamp’s gone dim, come to the filling station.
If your soil’s gone dry, open the irrigation line of grace.
If you’ve let your policy lapse, re-enroll tonight.
Heaven Farm is here.
Right here.
Right now.
And the gates are wide open.
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For the Saints Already Covered
Maybe you’ve already signed on. This parable still calls your name.
Because readiness isn’t just about eternity—it’s about vitality.
Keep your oil fresh.
Keep your witness bright.
Keep your joy burning so the neighbors can see the glow through the barn slats.
Faith isn’t meant to sit in a drawer marked “afterlife.” It’s the daily assurance that Heaven’s already at work in your field.
Let the world see what it looks like when a soul is fully insured by grace.
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Closing Appeal
Tonight, the Lord walks the rows of His field, lantern in hand, calling softly through the twilight:
“My child, are you ready for the harvest?”
You don’t have to be afraid of that question.
You just have to answer it.
Heaven Farm Insurance isn’t a company—it’s a covenant.
No premiums, just presence.
No forms, just faith.
No policy number, just your name on His heart.
And when the storms come, when the trumpet sounds, when the final audit of eternity begins, the voice of your Savior will echo through the wind:
> “Don’t worry. He’s covered.”
Because Heaven Farm is here.
