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For over a century, business owners have used the cash value of their life insurance policies as working capital when traditional financing disappeared.

Here are real businesses that survived and scaled because of it.

1929 -J.C. Penney

During the Great Depression, James Cash Penney used the cash value of his life insurance to cover payroll and daily expenses.

The company survived one of the worst economic collapses in history.

Today, JCPenney generates billions in revenue.

1939 - Foster Farms

Foster Farms began when Max and Verda Foster borrowed $1,000 against a life insurance policy to buy an 80 acre chicken farm.

That small policy loan became a global food brand.

1955 - Disneyland

When banks wouldn’t lend enough capital, Walt Disney borrowed against the cash value of his life insurance to help fund Disneyland.

Today, The Walt Disney Company is one of the largest entertainment companies in the world.

1961 - McDonald’s

Ray Kroc used policy loans from two life insurance policies to buy out his partners, pay key employees, and fund marketing.

McDonald's now operates in over 100 countries.

1980 - Pampered Chef

Doris Christopher started her business with a $3,000 life insurance policy loan.

Years later, Pampered Chef was acquired by Berkshire Hathaway for $1.5 billion.

Life insurance was used because it offered liquidity, control, and certainty when banks and markets couldn’t.

That lesson still applies today.

If you’re a business owner earning real money and want capital you control, that grows safely, and doesn’t disappear when banks tighten lending, this is a conversation worth having.

Comment "LIFE" below and I'll let's set up a time to talk.