Dynamic Life Financial
Dynamic Life Financial is a Florida-based advisory firm founded in 2022 that distributes indexed life insurance with Living Benefits riders, fixed indexed annuities, and retirement accounts from carrier partners to individual consumers, business owners, and employer-sponsored employee populations, earning revenue through commissions.
- Company typePrivate
- Founded2022
- HeadquartersRoyal Palm Beach, United States
- Headcount1–10
- GTM typeB2C
- OfferingServices
What Dynamic Life Financial does
Dynamic Life Financial, LLC is a Florida-based financial services advisory firm founded in 2022 that distributes insurance and investment products sourced from a curated set of carrier partners. The firm sells Indexed Universal Life (IUL) insurance with Living Benefits (Accelerated Benefits) riders, fixed indexed annuities, and tax-advantaged retirement accounts (Traditional/Roth/SEP/SIMPLE IRAs and 403(b)s) to individual consumers, business owners, and employees of client businesses. It also offers college funding strategies, Buy-Sell Agreement structuring, and a no-cost employee financial wellness program delivered through employer partnerships.
The firm operates without a proprietary technology platform; its core operational capability is licensed advisory distribution and client relationship management executed via in-person, video conference, and phone consultations. Educational content is delivered through a video library sourced from the Alliance Group partnership. The product portfolio is structured around principal-protected indexed crediting strategies tied to the S&P 500, NASDAQ, and other indices with a 0% floor, and Living Benefits riders that allow access to 30%-90% of the policy death benefit while alive for qualifying critical, chronic, or terminal illness events. Maximum Living Benefits exposure per insured is capped at $1,500,000.
Revenue is generated exclusively through commissions paid by carrier partners — National Life Group, Ameritas Life, Foresters Financial, SILAC Insurance, and F&G Annuities — with the firm explicitly stating no fees are charged to clients and 100% of client money flowing into the underlying product. The go-to-market combines sales-led individual advisory work with a B2B2C employee financial wellness channel where services are offered at no cost to employers. The firm is affiliated with the Five Rings Financial and Alliance Group professional networks and serves clients nationwide across America from its Wellington, Florida headquarters.
Dynamic Life Financial firmographics
Firmographics- Name
- Dynamic Life Financial
- Legal name
- Dynamic Life Financial, LLC
- Website
- https://dynamiclifefinancial.com
- Company type
- Private
- Founded year
- 2022
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Dynamic Life Financial is a Florida-based advisory firm founded in 2022 that distributes indexed life insurance with Living Benefits riders, fixed indexed annuities, and retirement accounts from carrier partners to individual consumers, business owners, and employer-sponsored employee populations, earning revenue through commissions.
- Ownership category
- akta.pro rank
Dynamic Life Financial industry classification
Industry- Product category
- Financial Advisory and Insurance Services
- NAICS
- Portfolio Management and Investment Advice (523940)
- SIC
- Insurance Agents, Brokers & Service (6411), Investment Advice (6282)
- akta.pro primary industry
- Simplified Issue Whole Life / UL Insurance (FSAIABAH)
- akta.pro secondary industries
- Retirement Plan Participant Advice & Managed Accounts (FSAEABAF), Guaranteed Issue Term Life Insurance (FSAIAAAG)
Keywords
Where Dynamic Life Financial is headquartered
LocationHeadquarters
- HQ city
- Royal Palm Beach
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Dynamic Life Financial business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Technology or R&D, Operations
Revenue model
- Commission-based revenue from insurance and investment products: The company's business model is based on providing access to financial products without charging additional fees to clients. Revenue is generated through commissions paid by their preferred carrier partners (National Life Group, Ameritas Life, Foresters Financial, SILAC Insurance, F&G Annuities) on insurance policies and investment products sold to clients. 100% of client money goes into their investment or insurance product rather than administrative or management fees.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | No-cost financial advisory services to clients |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels5 records
Dynamic Life Financial product offering
Product offeringCore offering
Dynamic Life Financial is a financial services advisory firm that distributes Indexed Universal Life Insurance with Living Benefits, Fixed Index Annuities, and tax-advantaged retirement accounts (IRA, Roth IRA, SEP-IRA, SIMPLE-IRA, 403(b)) sourced from a panel of carrier partners. The firm delivers these offerings through licensed financial professionals via in-person, phone, and video consultations at no cost to clients, and extends them to employees through an employer-sponsored financial wellness channel.
Product overview
Dynamic Life Financial offers a suite of financial services centered on Indexed Universal Life Insurance products with Living Benefits protection, combined with indexed annuity investments. The core portfolio includes Living Benefits Life Insurance (providing access to 30%-90% of death benefit for qualifying health events), Retirement Planning (covering IRA, Roth IRA, SEP-IRA, SIMPLE-IRA, and 403(b) options), Growth Investments (fixed index annuities with S&P500/NASDAQ tracking and 0% floor guarantees through partners SILAC Insurance and F&G Annuities), College Funding, Business Services (including Buy-Sell Agreements and payroll-based IRA plans), and a no-cost Employee Financial Services program. Supporting offerings include an educational video library and downloadable financial planning tools. The company operates as part of Five Rings Financial and Alliance Group networks, working with carrier partners including National Life Group, Ameritas Life, Foresters Financial, SILAC Insurance, and F&G Annuities.
Differentiator
Problem solved
Functional benefit
Products and services
- Living Benefits Life Insurance Indexed Universal Life Insurance policy with an Accelerated Benefits Rider (Living Benefits) that allows policyholders to access 30%-90% of their death benefit while alive for qualifying events such as critical illness, critical injury, chronic illness, or terminal illness, with maximum Living Benefit not to exceed $1,500,000 per insured across all contracts and riders.
- Retirement Planning Comprehensive retirement planning services spanning IRA, Roth IRA, SEP-IRA, SIMPLE-IRA, and 403(b) account strategies with tax-advantaged indexed investment options, designed for individuals seeking tax-advantaged long-term growth.
- Growth Investments Fixed index annuities and indexed investment products tied to indices such as the S&P 500 and NASDAQ with 0% floor guarantees, offering diversification without loss of principal; carrier partners include SILAC Insurance and F&G Annuities.
- College Funding Tax-advantaged college savings strategies with flexible withdrawal options usable for any educational expense, positioned as a comparison versus state-provided 529 programs.
- Business Services Financial services for business owners including payroll-based IRA plans, business partnership protection via Buy-Sell Agreements, and tax-deductible coverage leveraging business designation.
- Employee Financial Wellness Program No-cost employee financial wellness program that gives employees access to IRAs, growth investments, college funding, retirement income, and life insurance with Living Benefits, delivered through employer partnerships at no charge to the employer.
Quantifiable outcome
- Starting to invest 10 years earlier can yield up to 300% more gains by retirement age
- +3 more outcomes
Companies that use Dynamic Life Financial
Customer profileSegments3 records
Ideal customer profiles2 records
Dynamic Life Financial technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Dynamic Life Financial partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core and flagship.
- National Life GroupcoreNational Life Group is a preferred carrier partner providing indexed universal life insurance products. They have been in business over 170 years and were ranked #1 in Indexed Life Sales in 2022. They offer the broadest Living Benefits protection program in the industry, including coverage for 13-19 qualifying illnesses. Added Alzheimer's and Lewy Body Dementia diagnoses and Fertility Journey in 2023.
- Ameritas Life Corp.coreAmeritas Life has been serving the community for over 130 years, offering insurance, financial services, and employee benefits. They provide one of the most diverse lists of Living Benefits criteria and have strong Indexed Universal Life policy value accumulation performance. They have won the Benchmark Portal Center of Excellence Award for 16 consecutive years.
- Foresters FinancialcoreForesters Financial is a 145+ year old fraternal organization headquartered in Toronto, Canada, offering excellent Living Benefits coverage with flexibility for covering diabetics and marijuana users in the United States and Canada. They provide life insurance with a larger purpose.
- SILAC InsurancecoreSILAC Insurance has over 80 years of experience with a focus on innovation, no management fees, and customer focus. They offer innovative exclusive index options including RavenPack Artificial Intelligence index by Credit Suisse and Generations 5 Nasdaq-based index offered by Salt Financial.
- F&G Annuities and LifecoreF&G Annuities (Fidelity & Guaranty) has over 60 years of history with innovation and collaboration. They offer some of the highest-performing fixed index annuities with tremendous flexibility. Named Top Workplace in Iowa for four consecutive years as of September 2021.
- Alliance GroupflagshipDynamic Life Financial is a member of Alliance Group, which provides educational videos, product resources, and a network of financial professionals. Alliance Group is described as 'all about helping people' and provides the company's video content library including award-winning Living Benefits videos.
- Five Rings FinancialflagshipDynamic Life Financial is part of Five Rings Financial, a national organization of financial professionals. The company holds itself to the highest fiduciary standards as part of this organization.
Scale indicators3 records
Recent moves6 records
Expansion highlights5 records
Dynamic Life Financial competitors and assessment
Company assessmentDirect peers
- National Agents Alliance: Independent life insurance agency organization focused on IUL, mortgage protection, and final expense products distributed via a national agent network; comparable go-to-market and carrier-relationship model.
- Five Rings Financial: National organization of financial professionals that Dynamic Life Financial is a member of; offers the same indexed life insurance and living benefits products through member agents and competes for the same IUL and retirement planning clients.
- Symmetry Financial Group: Large independent life insurance IMO selling IUL, term life, and retirement products through a remote-agent model; competes directly with Dynamic Life Financial for the same individual and small-business life insurance clients.
- Alliance Group: IMO and financial professional network that Dynamic Life Financial belongs to; provides similar IUL, indexed annuity, and living benefits product access and training across member agents nationwide.
Broad incumbents
- MassMutual: Large mutual life insurance carrier with a captive career agent force and a broad suite of whole life, universal life, and retirement products; competes for the same retirement, income, and life insurance buyers.
- New York Life: Large mutual life insurance carrier with a captive agency system selling whole life, universal life, and retirement income products; directly competes for the same individual and small-business clients pursuing guaranteed and indexed solutions.
- World Financial Group (WFG): Large multi-carrier IMO with a broader financial services portfolio; overlaps with Dynamic Life Financial on life insurance and retirement products distributed through a similar independent agent model.
- Northwestern Mutual: Large mutual life insurance and financial services firm with a captive advisor network; competes in the same retirement planning, life insurance, and wealth advisory space with a much larger national footprint.
Emerging players
- Haven Life: Direct-to-consumer term life insurance platform backed by MassMutual; represents the online, no-advisor channel that is increasingly competing for the same middle-income life insurance buyer.
- Policygenius: Online insurance marketplace that aggregates term, whole life, and disability quotes from multiple carriers; competes for the same digitally-savvy life insurance shopper that Dynamic Life Financial targets via its website and educational video content.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights7 records
Customer concentration
Dynamic Life Financial social profiles
Digital presenceDynamic Life Financial financial estimates
Financial estimateRevenue estimate
Valuation estimate
Dynamic Life Financial leadership team
Management profileNumber of profiles
Dynamic Life Financial funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Dynamic Life Financial 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 Dynamic Life Financial
What does Dynamic Life Financial do?
Dynamic Life Financial is a financial services advisory firm that distributes Indexed Universal Life Insurance with Living Benefits, Fixed Index Annuities, and tax-advantaged retirement accounts (IRA, Roth IRA, SEP-IRA, SIMPLE-IRA, 403(b)) sourced from a panel of carrier partners. The firm delivers these offerings through licensed financial professionals via in-person, phone, and video consultations at no cost to clients, and extends them to employees through an employer-sponsored financial wellness channel.
Is Dynamic Life Financial a public or private company?
Dynamic Life Financial is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Dynamic Life Financial founded?
Dynamic Life Financial was founded in 2022. It employs 1 to 10 people.
Where is Dynamic Life Financial based?
Dynamic Life Financial is headquartered in Royal Palm Beach, United States, in the North America region.
How does Dynamic Life Financial make money?
One revenue line is on record: commission-based revenue from insurance and investment products.
Who are Dynamic Life Financial's main competitors?
Direct peers on record are National Agents Alliance, Five Rings Financial, Symmetry Financial Group and Alliance Group. Broad incumbents are MassMutual, New York Life, World Financial Group (WFG) and Northwestern Mutual. Emerging players are Haven Life and Policygenius.
Does Dynamic Life Financial have an API?
No public API is recorded for Dynamic Life Financial.
What industry is Dynamic Life Financial in?
Dynamic Life Financial's product category is Financial Advisory and Insurance Services. Its primary akta.pro industry code is FSAIABAH, Simplified Issue Whole Life / UL Insurance, with a secondary code of FSAEABAF, Retirement Plan Participant Advice & Managed Accounts. Its NAICS code is 523940 and its SIC code is 6411.