White Christians love Heaven. They're terrified of Hell. Thanks to God's handy-dandy sovereignty, a believer's salvation-stance is really a one-and-done scenario. So when that conversion takes place (no matter how mundane the back-story might be) there's really no reason to wonder about the ultimate outcome.
And yet, ever the cautious critters, white Christians just don't want to leave it to chance. They've been known to repeatedly ask Jesus into their heart... JUST in case the previous conversion(s) didn't "take."
"Back in Sunday School, I remember singing Into my heart Lord Jesus, does that count?" wonders the white Christian. "Or does it have to be verbally said? I've always just sort of assumed that I was a Christian since that point. I'd better say it again out loud just to play it safe."
It almost seems as if white Christians have more faith in their insurance company than in their Lord. Perhaps if God had some sort of jingle for his salvation, there would be a little more confidence. Something along the lines of, "You're in good hands with Yaweh," or "Like a good neighbor, Salvation is there."
Expert level white Christians may even refer to a base-level conversions such as the thief on the cross as "Fire insurance."