Life will knock you down.

What helps you bounce back when that happens? Resilience is the ability to bounce back when life knocks you down. It’s the ability to keep fighting through all types of circumstances. The resilient person knows what is in and out of their control and focuses on the former. They focus on their responses and decision-making

Even if the outcome is terrible, the resilient person doesn’t let that keep them down. Focusing this way leads to a less anxious life. How can you apply this lesson to your financial strategy?

The same way. By focusing on what you can control and building resilience. During your life, you have a great need for financing.

Here are just a few examples:

  • college
  • cars
  • wedding
  • real estate (primary and investment)
  • starting a business

I’m sure you can think of some other examples. For most of these, you would go to a bank. Throw in some hard money, private lenders, and seller financing, and most people have exhausted their options. Can you control whether or not a bank or other lender provides you with the capital you need? No, you can’t.

Not even the equity inside your completely paid-off home is guaranteed to be loaned against by the banks. You’ll still go through their painful (in most cases) underwriting process.
This is precisely why it makes sense for you to decide to build an alternate line of credit.

In the 1950’s Walt Disney, to provide capital for his business, sold his house and used his life insurance cash value as collateral to secure a loan of about $50,000, “the limit of my personal borrowing ability.” (Walt Disney as quoted in an article at huffpost .com, take a look at the photo). He couldn’t secure funding from the traditional sources and so turned to the only other options he had. As a result, he could keep fighting with the odds stacked against him, and we now have Disneyland.

I know there are many other reasons why Walt succeeded. But, this story illustrates the level of resilience your financial strategy has with financing options. Whether it’s for real estate investments, funding your business payroll, providing money for a medical emergency, or a host of other situations, you need sources of financing. And a properly structured and funded whole life insurance policy can solve this problem.

Let’s recap:

  • being resilient means you can bounce back
  • you know what’s in and out of your control and focus on the former
  • a resilient portfolio works in any market, no matter how uncertain or volatile
  • an alternative source of financing adds resilience to your financial strategy
  • the right whole life insurance policy or policies can fill this roll

What other sources of alternative financing do you use?

Do you feel resilient in your life and finances?

Do you have someone on your team helping you with these concepts? If not, please reach out to us at