Paradigm Life

What Paradigm Life does

Paradigm Life is a privately held financial services firm founded in 2007 and headquartered in Salt Lake City, Utah, that operates as an insurance broker and wealth strategy educator for individual consumers across the United States. The company's core offering is the Perpetual Wealth Strategy, a proprietary system built around the Wealth Maximization Account — a structured, dividend-paying whole life insurance policy designed to provide guaranteed growth, tax-free access to cash value via policy loans, and multi-generational wealth transfer. Supporting products include annuities, disability insurance, long-term care insurance, term life insurance, and premium financing, enabling cross-sell within a single client relationship.

The business model is commission-based: Paradigm Life earns revenue from mutual insurance carriers (including Penn Mutual, New York Life, OneAmerica, MassMutual, Guardian, and OhioNational) for placing and structuring policies on their behalf. Distribution is consultative and sales-led, delivered through a team of licensed Wealth Strategists (some holding RICP and CLTC designations) who conduct free strategy sessions and develop tailored plans for clients in segments such as wealth builders, pre-retirees, legacy-focused individuals, high-income earners, business owners, and real estate investors. The company supplements its consultative sales motion with an extensive content marketing ecosystem — a podcast, webinars, free Perpetual Wealth 101 course, founder-authored book (over 65,000 copies sold), and a category-rich blog — to drive top-of-funnel lead generation. The firm has served more than 8,500 clients cumulatively since inception and operates with a headcount of 101–250 employees.

Name

Paradigm Life

Legal name

Paradigm Life

Website

https://paradigmlife.net

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

101–250 employees

Short description

Paradigm Life is a privately held Salt Lake City-based insurance broker and wealth educator that places whole life insurance and related policies for individual consumers across the United States through a proprietary system called the Perpetual Wealth Strategy.

Ownership category

akta.pro rank

Product category

Wealth Management and Insurance Brokerage

NAICS

Direct Life Insurance Carriers (524113), Direct Health and Medical Insurance Carriers (524114), Portfolio Management and Investment Advice (523940)

SIC

Insurance Agents, Brokers & Service (6411), Life Insurance (6311), Accident & Health Insurance (6321)

akta.pro primary industry

Whole Life Insurance (FSAIABAA)

akta.pro secondary industries

Level Term Life Insurance (FSAIAAAA), Whole Life / UL Policy Riders & Add-ons (e.g., Waiver of Premium, Accidental Death, Child Term, LTC/Chronic Illness) (FSAIABAK), Managed Platforms & Wrap Programs for Private Clients (Model Portfolios, UMA/SMAs) (FSAAABAM)

Keywords

• Whole life insurance
• Wealth management services
• Insurance brokerage services
• Retirement income planning
• Financial planning advisory

Headquarters

HQ city

Salt Lake City

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D, Others

Revenue model

1. Insurance Policy Commissions: Paradigm Life acts as an insurance broker, structuring and placing whole life insurance policies and other insurance products. Revenue is generated through commissions from insurance carriers (Penn Mutual, New York Life, OneAmerica, MassMutual, Guardian, etc.) for policies placed. The company creates custom Wealth Maximization Accounts tailored to each client's financial situation.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels8 records

Core offering

Paradigm Life is a U.S. insurance brokerage and wealth advisory firm that designs and places whole life insurance policies—most notably the proprietary Wealth Maximization Account (WMA)—alongside annuities, disability, long-term care, and term life coverage. Its work is organized around the proprietary Perpetual Wealth Strategy, which guides individual clients through customized policy structuring, Family Banking, retirement income planning, and legacy/estate strategies using dividend-paying whole life insurance underwritten by partner carriers.

Product overview

Paradigm Life offers a unified wealth management platform centered on the Perpetual Wealth Strategy™ system. The core product is the Wealth Maximization Account (WMA), a structured whole life insurance policy that serves as the foundational tool. The portfolio includes insurance products (Whole Life Insurance, Annuities, Disability Insurance, Long-Term Care Insurance, Term Life Insurance) and specialized strategies (Family Banking, Life Insurance Retirement Plan/LIRP, Premium Financing). The company acts as a financial services firm providing wealth-building education, planning tools, and insurance brokerage services to help clients build wealth, protect assets, and plan for retirement.

Differentiator

Problem solved

Functional benefit

Products and services

• Wealth Maximization Account (WMA) A uniquely structured whole life insurance policy that pays dividends and grows wealth with certainty, serving as the cornerstone tool of the Perpetual Wealth Strategy. Includes paid-up additions rider, 7-pay level funding, and guaranteed loan against cash value. For individual clients building tax-advantaged, guaranteed wealth.
• Perpetual Wealth Strategy A comprehensive wealth-building system designed to help families efficiently grow wealth, minimize tax, maximize cash flow, and leave a lasting legacy. Used to help thousands of families build wealth outside of Wall Street.
• Whole Life Insurance Permanent life insurance designed to build sustainable wealth, featuring dividend-paying policies with cash value access and guaranteed loan options. For individuals and families seeking guaranteed growth and tax-advantaged wealth accumulation.
• Annuities Retirement income products that provide protection from loss and volatility, guaranteed lifetime income, and legacy benefits for families. For pre-retirees and retirees seeking protected lifetime income streams.
• Disability Insurance Safety net insurance protecting income and family wealth in case of disability, available as short-term and long-term coverage. For working individuals and families needing income protection.
• Long-Term Care Insurance Policies designed to support long-term care needs, providing peace of mind and reducing financial burdens on loved ones. For individuals and families planning for potential long-term care costs.
• Term Life Insurance Temporary life insurance coverage for specific periods, ideal for protecting families during debt payoff periods such as mortgages or tuition. For families seeking time-bound, lower-premium protection.
• Premium Financing Financing solution enabling clients to fund insurance premiums strategically. For high-net-worth individuals and business owners seeking to fund large policies without liquidating other assets.

Quantifiable outcome

• 8,500+ clients served since 2007
• +1 more outcomes

Named customers5 records

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Five partnerships are on record, tiered core.

• Penn MutualcoreTechnology or IntegrationMutual insurance company that underwrites whole life insurance policies for Paradigm Life clients. Penn Mutual is described as a 'highly rated mutual insurance company' and one of the carriers used to customize Wealth Maximization Account policies.
• New York LifecoreTechnology or IntegrationMutual insurance company that underwrites whole life insurance policies for Paradigm Life clients. Used as one of the insurance carriers to structure custom Wealth Maximization Accounts.
• OneAmericacoreTechnology or IntegrationMutual insurance company partner providing whole life insurance underwriting for Paradigm Life client policies. One of the carriers used to customize Wealth Maximization Account plans.
• MassMutualcoreTechnology or IntegrationMajor mutual insurance company partner that underwrites policies for Paradigm Life clients. MassMutual is described as a 'highly rated mutual insurance company' and noted as one of many carriers they work with.
• GuardiancoreTechnology or IntegrationInsurance company partner providing whole life insurance underwriting. Guardian is specifically mentioned as a carrier for disability insurance policies as well as whole life insurance, making it a multi-product partner.

Scale indicators4 records

Recent moves7 records

Expansion highlights4 records

Direct peers

• Living Wealth: Living Wealth is a wealth management and life insurance firm that similarly promotes infinite banking-style strategies using dividend-paying whole life insurance. It directly overlaps with Paradigm Life on target customer, product category (whole life / LIRP), and educational content-driven GTM.
• Quotacy: Quotacy is an online life insurance brokerage that compares term and permanent policies from multiple carriers on behalf of consumers. It is directly comparable as an independent life insurance broker placing policies with multiple carriers, though its delivery is digital-first versus Paradigm Life's advisor-led model.
• Zander Insurance: Zander Insurance is an independent brokerage offering term, whole, disability, and other personal insurance products through agent-led service. It is comparable as an independent insurance broker distributing multiple carriers' life and protection products to US households with a relationship-driven model.

Broad incumbents

• SelectQuote: SelectQuote is a large publicly traded insurance brokerage that distributes term, whole, and other life insurance products through direct-to-consumer digital channels. It is comparable as a US life insurance brokerage but operates at much larger scale and across broader product categories than Paradigm Life's niche whole life focus.
• MassMutual: MassMutual is one of Paradigm Life's core carrier partners for whole life underwriting and also operates its own captive agent network. It is comparable as a mutual life insurance provider with overlapping product offerings, and represents both a supply partner and a potential distribution competitor.
• New York Life: New York Life is another key carrier partner underwriting whole life policies for Paradigm Life while running its own career agent system. It is comparable as a mutual whole life issuer but functions as an incumbent that could choose to disintermediate independent producer relationships.
• Penn Mutual: Penn Mutual is a mutual insurer that underwrites Paradigm Life's Wealth Maximization Accounts. As a comparable whole life-focused mutual carrier, it serves the same end clients with similar permanent products and competes indirectly via its own producer relationships.

Emerging players

• Policygenius: Policygenius is a digital-first insurance marketplace that brokers life (term and some permanent), disability, and other coverage. It competes for the same US households seeking life insurance but reaches them through a tech-led online experience rather than Paradigm Life's consultative wealth-strategist model.
• Ladder Financial: Ladder is an insurtech offering instant-issue term life insurance online with no commission-based agents. It targets a younger, digitally native segment that may overlap with prospects Paradigm Life tries to convert, representing a channel-disruption threat to the consultative whole life sale.
• Bestow: Bestow is an insurtech providing term life insurance online with instant decisions and no medical exams in many cases. It competes for the same household life insurance dollar but targets digitally native consumers who may otherwise be prospects for Paradigm Life's wealth strategy motion.

Market position

Strengths1 record

Weaknesses1 record

Competitive moat4 records

Key risks2 records

Key highlights6 records

Customer concentration

• Xx.com/paradigmlife
• YouTubeyoutube.com/c/ParadigmLife
• Facebookfacebook.com/paradigmlife
• LinkedInlinkedin.com/company/paradigm-life
• Instagraminstagram.com/paradigmlife

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Paradigm Life