LIFE180
LIFE180 is a privately held financial services firm that provides whole-life insurance, Infinite Banking, Cash Flow Hacking, tax, legacy, and debt-elimination advisory services to entrepreneurs, real estate investors, and families via direct Clarity Call sales and a tiered agent partnership program.
- Company typePrivate
- Founded2014
- HeadquartersChandler, United States
- Headcount1–10
- GTM typeB2C
- OfferingServices
What LIFE180 does
LIFE180 is a privately held financial services firm operating as LIFE180 Life Insurance, an LLC domiciled in Pennsylvania with offices referenced in Chandler, Arizona and Phoenixville, Pennsylvania. Founded in 2014, the company delivers financial advisory services to entrepreneurs, real estate investors, and families, anchored by whole life insurance, Infinite Banking concepts, and a proprietary methodology called Cash Flow Hacking. Its product portfolio spans Family Protection (life, disability, health insurance), Tax Strategies (Roth conversions, RMD planning), Legacy Planning (Rockefeller Method, living wills/trusts), Freedom Planning (Monte Carlo-based probability of success modeling), Risk Alignment, Debt Elimination (Velocity Banking), Business Consulting, and a counter-positioning service called Rescue My IUL. The technology stack is not proprietary; the core assets are methodology, content (authored books, YouTube videos, masterclasses), and a human-led sales motion.
The firm monetizes through insurance carrier commissions on placed policies, paid financial consulting engagements initiated via "Clarity Calls," and one-time purchases of educational products priced between $9.97 and $14.97 (with masterclass access gated behind form completion rather than listed price). Distribution combines a sales-led direct channel (30-minute Clarity Calls feeding a Clarity → Alignment → Design process) with a tiered Agent Partnership Program that recruits independent insurance agents under Touchpoint, Aligned Growth Lab, Aligned Essentials, and Aligned Partner Program tiers. Strategic alliances with Velocity Banking specialists, Investment Partners, CPA firms, legal/estate planners, and Registered Investment Advisors enable the firm to refer into capabilities it is not directly licensed to provide, creating an integrated but partner-dependent service ecosystem.
LIFE180 is founder-led by Chris Kirkpatrick (Founder/CEO, author of IUL Exposed), supported by a partner-heavy leadership team of seven named executives including a COO, CTO, CMO, Chief Leadership Officer, and Director of Agent Development. The company is privately funded with no disclosed institutional investment, operating revenues are not disclosed, and customer counts are framed as an aspirational "1,000,000 lives" mission rather than confirmed. Headcount is stated at 1–10 employees, positioning LIFE180 as a small, founder-controlled advisory practice rather than a scaled enterprise.
LIFE180 firmographics
Firmographics- Name
- LIFE180
- Legal name
- LIFE180 Life Insurance
- Website
- https://life180.com
- Company type
- Private
- Founded year
- 2014
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- LIFE180 is a privately held financial services firm that provides whole-life insurance, Infinite Banking, Cash Flow Hacking, tax, legacy, and debt-elimination advisory services to entrepreneurs, real estate investors, and families via direct Clarity Call sales and a tiered agent partnership program.
- Ownership category
- akta.pro rank
LIFE180 industry classification
Industry- Product category
- Financial Advisory Services
- NAICS
- Direct Life Insurance Carriers (524113), Direct Life, Health, and Medical Insurance Carriers (52411)
- SIC
- Life Insurance (6311), Insurance Agents, Brokers & Service (6411), Investment Advice (6282)
- akta.pro industry
- Whole Life InsuranceLevel Term Life InsuranceGuaranteed Issue Whole Life Insurance
Keywords
Where LIFE180 is headquartered
LocationHeadquarters
- HQ city
- Chandler
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
LIFE180 business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Technology or R&D, Operations
Revenue model
- Insurance Products: LIFE180 generates revenue through the sale of insurance products including whole life insurance, term life insurance, disability insurance, and health insurance. These are commission-based products where the company earns revenue from insurance carriers for policies placed.
- Financial Consulting Services: The company provides paid consulting services including business financial consulting, tax strategies, freedom planning, and risk alignment services. These are typically offered through their Clarity Call process and ongoing client engagement.
- Educational Products and Books: LIFE180 sells educational books and courses including 'IUL Exposed' (book exposing Indexed Universal Life insurance flaws), 'Cashflow Hacking' playbook, and 'What Would the Rockefellers Do?' book ($9.97-$14.97). They also offer paid masterclasses including Whole Life Masterclass and Debt Management Masterclass.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | One time/ perpetual license | IUL Challenge advertised at $25,000 in some contexts and $1,000 in others - likely a marketing challenge amount rather than a product price |
Go-to-market motion2 records
Distribution channels2 records
Marketing channels9 records
LIFE180 product offering
Product offeringCore offering
LIFE180 provides financial advisory and insurance services built around purpose-driven, low-risk strategies. Its core offerings include whole life insurance-based Cash Flow Hacking wealth building, tax planning (Roth conversions, RMD planning), legacy planning via the Rockefeller Method, family protection insurance, debt elimination through velocity banking, and freedom planning with Monte Carlo simulations. The company sells insurance products (whole life, term life, disability, health) and educational content (books, masterclasses), generating revenue primarily through insurance commissions and consulting fees from individual clients.
Product overview
LIFE180 is a financial services company offering a comprehensive suite of advisory services organized as a platform-plus-modules architecture. The core offerings include Family Protection (life, disability, and health insurance), Cash Flow Hacking (whole life-based wealth strategies), Tax Strategies, Legacy Planning, Freedom Planning, Risk Alignment, Debt Elimination, Business Consulting, and Rescue My IUL services. These are supplemented by educational sub-brands including the IUL Exposed book, Cashflow Hacking Book, What Would the Rockefellers Do? book, and associated Legacy Builder Course. The company also provides a Whole Life Masterclass, Financial Efficiency Masterclass, and Debt Management Masterclass as educational modules. LIFE180 operates as a coaching and advisory platform with agent support resources, featuring a Clarity Call intake process that serves as the entry point to their service ecosystem.
Differentiator
Problem solved
Functional benefit
Brands
- Rescue My IUL: Service offering focused on saving clients from misrepresented Indexed Universal Life insurance products.
- Cashflow Hacking
- IUL Exposed
- What Would The Rockefellers Do? (WWRD)
Products and services
- Family Protection
Quantifiable outcome
- Proposed strategy results in $594,344 less total Federal tax paid than the Reference strategy
- +1 more outcomes
Companies that use LIFE180
Customer profileSegments3 records
Ideal customer profiles4 records
LIFE180 technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
LIFE180 partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core and minor.
- Velocity Banking PartnerscoreStrategic alliance with Velocity Banking specialists including Sebastien Boyer (Business Financing & Loans, Debt Management w/ Velocity Banking) and Denzel Rodriguez (The Finance Geek). These partners provide expertise in velocity banking strategies to help clients eliminate debt faster.
- Investment PartnerscorePartnership network with investment professionals including Chris Price, Carol Hakemian-Felt, and Jason Heller who likely provide investment strategy development aligned with LIFE180's financial philosophy.
- Health Insurance PartnersminorPartnership with health insurance providers (referenced as 'Brad') to offer health insurance solutions as part of comprehensive family protection planning.
- CPA Firms and Tax AdvisorscoreLIFE180 has formed strategic partnerships with trusted CPA firms, tax advisors, and registered agents to ensure clients receive expert tax guidance. These partnerships are integral to their tax strategy service delivery.
- Legal Experts and Estate PlannerscorePartnership with legal experts for estate planning services, including Living Wills and Trusts implementation as part of legacy planning offerings.
- Registered Investment Advisors (RIAs)coreLIFE180 partners with licensed Registered Investment Advisors (RIAs) and fiduciary financial professionals for investment advice, portfolio management, and securities services which LIFE180 is not licensed to provide directly.
Scale indicators1 record
Recent moves1 record
Expansion highlights6 records
LIFE180 competitors and assessment
Company assessmentBroad incumbents
- MassMutual: Large mutual life insurer with whole life as a flagship product and a national financial advisor network. A likely carrier behind LIFE180's product offerings and a broad incumbent in the same category.
- New York Life: Major mutual life insurance company with whole life, term life, and long-term care products distributed through a captive agent force. A relevant broad incumbent with overlapping target customers.
- Northwestern Mutual: Major mutual insurer with a large captive financial advisor network and dominant position in whole life and disability insurance. Represents both a potential carrier partner and a broad incumbent competitor in life-insurance-led planning.
Direct peers
- Paradigm Life (Infinite Banking / Bank On Yourself affiliates): Specialist in Infinite Banking Concept using whole life insurance for cash flow strategies. Direct overlap with LIFE180's Cash Flow Hacking and Rescue My IUL positioning.
- Primerica: Large multi-level financial services company selling term life, mutual funds, and investment products through a network of independent representatives. Comparable in distribution model and middle-market financial education focus.
- Strategic Wealth Designers: Independent financial firm specializing in Infinite Banking / whole life insurance strategies for entrepreneurs and real estate investors. Closely mirrors LIFE180's Cash Flow Hacking thesis and target customer profile.
- World Financial Group (WFG): Insurance and financial services distributor using a hybridized agent model with significant training infrastructure. Comparable in leveraging agent partnerships for life insurance and wealth-building product distribution.
- WealthWave / The Money School: Financial education and insurance distribution company combining books, courses, and an agent field force. Operates a comparable content-plus-agent model targeting middle-income families.
Emerging players
- Goodfellow & Co. Financial / Bank On Yourself Authorized Practitioners: Network of independent advisors using the Bank On Yourself / whole life cash value methodology developed by Pamela Yellen. Direct ideological overlap with LIFE180's Cash Flow Hacking framework.
- Ramsey Solutions: Financial education media company (Dave Ramsey brand) offering courses, books, and a recommended local advisor network (ELPs). Adjacent in content-led financial education though philosophically divergent on whole life insurance.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights6 records
Customer concentration
LIFE180 social profiles
Digital presenceLIFE180 financial estimates
Financial estimateRevenue estimate
Valuation estimate
LIFE180 leadership team
Management profileNumber of profiles
Profiles7 records
LIFE180 funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
LIFE180 M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about LIFE180
What does LIFE180 do?
LIFE180 provides financial advisory and insurance services built around purpose-driven, low-risk strategies. Its core offerings include whole life insurance-based Cash Flow Hacking wealth building, tax planning (Roth conversions, RMD planning), legacy planning via the Rockefeller Method, family protection insurance, debt elimination through velocity banking, and freedom planning with Monte Carlo simulations. The company sells insurance products (whole life, term life, disability, health) and educational content (books, masterclasses), generating revenue primarily through insurance commissions and consulting fees from individual clients.
Is LIFE180 a public or private company?
LIFE180 is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was LIFE180 founded?
LIFE180 was founded in 2014. It employs 1 to 10 people.
Where is LIFE180 based?
LIFE180 is headquartered in Chandler, United States, in the North America region.
How does LIFE180 make money?
Three revenue lines are on record. Insurance Products are the primary driver. The others are financial Consulting Services and educational Products and Books.
Who are LIFE180's main competitors?
Broad incumbents on record are MassMutual, New York Life and Northwestern Mutual. Direct peers are Paradigm Life (Infinite Banking / Bank On Yourself affiliates), Primerica, Strategic Wealth Designers, World Financial Group (WFG) and WealthWave / The Money School. Emerging players are Goodfellow & Co. Financial / Bank On Yourself Authorized Practitioners and Ramsey Solutions.
Does LIFE180 have an API?
No public API is recorded for LIFE180.
What industry is LIFE180 in?
LIFE180's product category is Financial Advisory Services. Its primary akta.pro industry code is FSAIABAA, Whole Life Insurance, with a secondary code of FSAIAAAA, Level Term Life Insurance. Its NAICS code is 524113 and its SIC code is 6311.