PPI – Does the Church Mis-sell Personal Assurance? (Friendly Friday: Al Molineaux)

Source: Hacking Christianity

A recent ruling by the High Court in Britain condemned UK banks for mis-selling Payment Protection Insurance (PPI) when offering mortgages for individuals to buy property. The court took the view that customers had agreed to take on the extra cost involved because they believed that they might not be granted the loans if they were to refuse.

There is little evidence that banks overtly told customers that this was the case but the methods employed in the transactions left a clear implication that agreeing to PPI was an essential part of the process.

There are perhaps lessons for the church, and related mission based organisations, to learn from this ruling.

Firstly, people agree to propositions for a variety of reasons and we should not assume that the overt call for a response is fully understood by the hearer.

An alter call might well be seen as having a clear evangelical message by those who attend the church regularly. The visitor, however, might be responding to the suggested answer to a particular felt need on that occasion.

For example; a young girl arrives at church fresh from the break up of a long standing committed relationship. During the sermon the preacher affirms that speaking with God can offer comfort to those in crisis.

The regular attender hears this as a call to ‘become a Christian’ and ‘start attending the church’. The guest, however, hears that their pain can be eased by praying.

The appeal is given and the woman responds. The church counts this as a decision to become a follower of Christ and processes her application for assurance according.

Thus there are two different interpretations of the same event. The church now speaks to her as if she has made a full commitment to become a disciple of Jesus Christ. She is ‘sold’ personal assurance on the back of responding to receiving comfort for her felt need.

Secondly, churches and agencies might offer an individual some much needed help in their moment of crisis. During the delivery of this kindness a church worker explains the gospel and offers to pray with them if they desire to respond.

The person in need senses that to refuse this part of the deal might lead to the help being withdrawn or limited and so agrees to become a ‘follower of Jesus’.

The church worker may not have intended to mis-communicate the message but in their eagerness to see people respond they perhaps ignore the emotional vulnerability of those in need.

If we consider the high court ruling and allow this to reflect on the two examples above we might consider that some parts of the church could be accused of mis-selling.

Here are a few thoughts to help church leaders avoid falling into such a trap.

1. Avoid using the Barnum Effect*

We perhaps need to be careful in our calls for a response to the gospel that we do not offer a proposition so wide that it could include just about everyone whilst making it look as if we are speaking specifically to individuals.

Appeals that start off with some suggested insight into the circumstances of the intended responder but end up being aimed at ‘anyone who is breathing’ undermine the strength of the message.

2. Avoid the commoditisation of individuals.

There is a danger that churches measure such responses as the number of ‘souls saved’ as if this were some key performance indicator. We should never turn people’s story into a mere measurement of our success.

It’s not that measurement is in itself wrong but that we can begin to count the initial act of getting people to respond as the main indicator of success.

Every person’s back story is more important than the ecclesiological statistics of any given church.

3. Understand that behind every person there are many others.

Behind those who responds are others who will develop their own commentary on how the church treats this newcomer.

Families are understandably concerned when their loved ones adopt new patterns of behaviour. The church is rightly judged for how it treats these people.

Much of our teaching, explicitly or otherwise, draws people out of their old life and into a new community. This can cause a division between individuals and their families. One has to question whether this is a goal consistent with the gospel message.

I have often heard evangelical leaders asking the question ‘why is the back door bigger than the front?’ in the context of church growth.

Perhaps to fully answer this we need to understand more about the journey made by those coming into the church.

If, as we have seen, there is the possibility that the church and those who respond to an appeal can view this transaction in a different way, we must make every effort to handle these moments with care.

We don’t want to be accused of mis-selling personal assurance.


(* The Forer effect (also called the Barnum Effect after P.T. Barnum’s observation that “we’ve got something for everyone”) is the observation that individuals will give high accuracy ratings to descriptions of their personality that supposedly are tailored specifically for them, but are in fact vague and general enough to apply to a wide range of people.)


Thanks to my good web friend, Al Molineaux for this challenging guest piece.  Connect with him on Twitter.

">>"Because the prophets will tell you to whom the prophecies are referring."<<So Israel is NOT ..."

What happens to people who never ..."
"This is beautiful, Cleanslate.Thank you."

What happens to people who never ..."
"Because the prophets will tell you to whom the prophecies are referring."

What happens to people who never ..."
"How do you know they were specifically referring Israel?"

What happens to people who never ..."

Browse Our Archives

Follow Us!

What Are Your Thoughts?leave a comment
  • Good point, Alan.  I’ve actually been concerned quite often by the “victory” and “joy” sales of many Evangelicals.  The whole story of a “personal relationship with Jesus” fits in this category to me…and I say this fully recognizing that these are loaded words that could be misunderstood.  What I mean is that the intimate, personal, palpable connection some Christians (I presume) generally feel, is NOT the experience of all committed Christians (me, for example) and I worry about those who might come expecting the former, encounter an experience more like mine, and get bitter about having been sold a bill of goods by the church.

    I don’t mean to denigrate others’ personal experiences, but to portray them as the norm–even as what God desires, is problematic to me.

  • Ian

    Ya I tend to view coming forward for an altar call not where a true decision for Christ happens. Im careful to connect with that person personally and talk them through what they are getting on board for. A few passages come to mind. Luke 14:25-33 and Phillipians 2:12-13

    • @e51a6cdddfa1c6de563a37d433eee1e9:disqus , I agree with ya. You’re using wisdom there…

  • Alan Molineaux

    Dan – Thanks.

    I think the ‘one size fits all’ version of Christian pilgrimage is not good enough to cover the shapes and sizes of us human beings.

    Ian – I agree

    We did a study in Zacchaeus and found it difficult to pinpoint when he became ‘safe with God’. Especially when you revisit the idea of repentance.

  • Anonymous

    As one who responded to an altar call in my early teens and never responded to the call that Christ had made on the night, I have often wondered about churches who live by the altar call – and, of course, semons on giving.

    No one was there to help me understand what happened and in my many years in church, I have yet to attend one that that makes this a practice.   It is no wonder to me why the “older” churches are passing away in favor of the “latter day” saints who promote high intensity sound as a method of stirring the young.  Apparently, they have recognized the response that youngsters provide when listening to the “music” of our day.

    Has no one noticed that Jesus seldom ministered from a pulpit and certainly, never had an altar call.

    He relied on the truth to do its work in the heart of the follower, which of course led to disciplesip – not because of doctrine and process, but because the newcomers listened with their hearts.

    We would do well to return to the concepts He established and abandon our carefully honed opinions.

  • LT

    Another person cannot give assurance of salvation to another person,  if you are doing that you neeed to stop it.  Only the Holy Spirit can give you assurance, I urge all professing Christians to read the book of 1st John, it has a series of tests to see if your faith is genuine saving faith or non-saving faith.  Test yourself, make sure your faith is real, you do not want to be wrong in this eternal matter.

  • asaaasasas

  • Stevenbrainbis

    There are perhaps lessons for the church, and related mission based organisations, to learn from this ruling.
    ppi reclaim

  • Josephyoungbis

    There are perhaps lessons for the church, and related mission based organisations, to learn from this ruling.
    claim back ppi

  • Josephyoungbis

    Thanks to my good web friend, Al Molineaux for this challenging guest piece.  Connect with him on Twitter.
      mis sold ppi

  • allengodwinbis

    Families are understandably concerned when their loved ones adopt new patterns of behaviour. The church is rightly judged for how it treats these people.__________________
     mis sold ppi

  • Rhemaads11

    How To Claim Back PPI contact us and we will advise you. People who have been claiming PPI on their own have been denied while others have been paid below what they deserve. The payments are delayed unnecessarily. If are looking for How To Claim Back PPI hassle free, you will need a PPI Claim expert who has the knowledge and experience to handle the matter successfullyhttp://www.howtoclaimbackppi.org.uk 

  • Rhemaads11
  • PPI Claims