Look at it this way, insurance is likened to being under the Law, if we don't renew it from time to time then we are not forgiven. Assurance is being under His Grace!  This brings us comfort! A religious education or the world's ways restrain us like the law but if we receive the light of the truth and have an assumption of the knowledge of Christ in our heads, it may be of some present service to us; but we must receive the love of the truth, and hide God's Word in our heart, or it will not sanctify and save us.  

Isaiah32 17 1