I was among the millions of people who recently received a mailing from Nationwide for vehicle insurance. The teaser on the envelop stated "You've Been Pre-Forgiven." While I realize Nationwide was not marketing to specific denominations I am certain a number of Lutherans opened that envelop while throwing away other unopened junk mail.

It turns out "pre-forgiven" means the insurer might not increase your insurance premium after the first vehicle accident or minor traffic violation. Maybe I'm a little distrustful but it sounds like Nationwide has already raised premiums on everyone. The only way to benefit is to have an accident or traffic violation. If you have neither the offer does not include a refund of part of the premium. 

That said, maybe this insurance strategy does provide a theological metaphor for understanding the Lord's Supper. One condition for receiving Holy Communion is that the person has received forgiveness of sins through God-given faith in Jesus. Roman Catholicism teaches we must earn the merits of Christ's forgiveness for sins committed after baptism. So for Catholicism there is no "pre-forgiveness." Biblically speaking faith and forgiveness found in baptism cover all sins now and in the future. Since our actual sins do offend God and our neighbor we continue to make confession and receive absolution as well as participate in the Lord's Supper. However, we make confession and go the Lord's Table with confidence, knowing that we are "pre-forgiven" through faith in Christ.

It turns out "pre-forgiveness" is not insurance we purchase but assurance of forgiveness that Christ already bought for us.