Faith as an insurance policy?

Sometimes you hear that belief in God is like a cosmic insurance policy.

Last night someone at church made a profound statement about this belief.

The problem with this cliche is not that it isn't true, but it's that people don't understand what insurance policies actually do.

Insurance policies don't stop the calamity from happening.
Insurance policies help you get through the disaster and move on.

To this extent, faith in God works in a similar way.
It won't stop the storms of life occurring, but it will help you ride them out.