The problem areas articulated by the former Chief Justice Dahiru Musdapher concerning causative factors of insurgency and instability in Nigeria, is examined in this article and a solution is proposed utilising an institutional framework that incorporates both religious and political actors. Nigeria is currently at a crossroads. At the end of the day, given the dynamics of the turbulence in the polity, policy choices will certainly dictate whether Nigeria can survive as a state or fail and splinter into fledgling micro-mini states. The indicators are glaring, profuse and ominous. Justice Dahiru Musdapher, recently summarized the situation with the observation that Boko Haram insurgency, political violence, corruption, nepotism, tribalism, indiscipline, abduction and kidnappings, armed robbery, murder and extortion, bombings of places of worship and innocent Nigerians are all the indicators of a failing state.