Impact Leadership Network

What Impact Leadership Network does

Impact Leadership Network, Inc. (ILN) is a private, founder-owned financial services firm headquartered in Calabasas, California, that distributes insurance, securities, debt management, and financial planning products to individuals, families, and small business owners across all 50 states. The company operates through two core distribution structures: a nationwide network of 1,000+ licensed independent agents and agency owners who sell directly to consumers, and a securities division (ILN Securities) that offers brokerage and investment advisory services through a partnership with Vanderbilt Securities LLC, with Fidelity Clearing & Custody Solutions providing custody and clearing. Insurance products are distributed through ILN Insurance Agency (California License #6010927) and through 70+ third-party insurance carriers, spanning life insurance, annuities, long-term care, health and disability, and estate planning facilitated via a nationwide attorney network. Health and disability products are additionally offered in partnership with Clearwater Health, and debt management services charge 20–24% of enrolled debt.

The firm monetizes primarily through transaction-based commissions on insurance and securities products, supplemented by debt resolution fees and a $50-per-qualified-lead affiliate referral program with payouts processed via the Tremendous platform. The underlying technology is a web-based business platform that bundles CRM, lead management, affiliate tracking, marketing tools, webinar hosting, and training resources (Impact Library, Impact University) for agents and agency owners. Agents are recruited through career webinars, live events, and a referral program, and compensated via tiered commissions, residuals, and agency overrides. A standardized six-step client engagement process called the Money Discovery System (covering cashflow, emergency savings, debt elimination, risk protection, asset accumulation, and legacy protection) is deployed across the agent network, and weekly Tuesday webinars serve as the primary top-of-funnel mechanism for both client acquisition and agent recruitment.

The company has no disclosed funding history, no parent company, and remains founder-controlled (Dina & Elan Michael are co-founders). The stated market opportunity is anchored on the $84T intergenerational wealth transfer, 55M U.S. 401(k) accounts, and approximately 10,000 baby boomers retiring per day, which ILN targets through its 401(k)/IRA rollover, annuity, and retirement-income product lines.

Name

Impact Leadership Network

Legal name

Impact Leadership Network, Inc.

Website

https://theiln.agency

Company type

Private

Operating status

Operating

Headcount range

101–250 employees

Short description

Impact Leadership Network is a private financial services firm that distributes life insurance, annuities, securities, health insurance, debt management, and estate planning products through a nationwide network of 1,000+ independent agents and agency owners, serving individuals, families, and small business owners across all 50 states.

Ownership category

akta.pro rank

Headquarters

HQ city

Calabasas

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Product Commissions: ILN agents earn commissions on insurance products including life insurance, annuities, long-term care, and health/disability insurance. Commission structure is tiered with advancement opportunities and overrides for team leadership.
2. Securities/Investment Services: Securities offered through Vanderbilt Securities LLC, an affiliated broker-dealer. ILN agents and Registered Representatives (RR) and Investment Advisor Representatives (IAR) can offer investment advisory services, portfolio management, and retirement planning for a share of revenues.
3. Debt Management/Debt Settlement Fees: Debt resolution programs charge fees ranging from 20% to 24% of enrolled debt amount. Some programs are performance-based with no fees until settlement is reached; attorney-based programs may charge fees prior to settlement.
4. Affiliate Referral Fees: Earn $50 per qualified lead (career or client lead) through the affiliate referral program. Referral fees paid via Tremendous platform as Visa gift cards when affiliate reaches $250 minimum balance or 30 days after lead qualifies.
5. Agent Licensing and Training Services: Provides licensing training, exam prep, and continuing education for insurance (L&H Agent License) and securities licenses. Training includes Impact Library, Impact University, and field training programs.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels6 records

Core offering

Impact Leadership Network is a financial services distribution network that sells insurance, retirement, estate planning, debt management, and investment products to individuals, families, and business owners through a nationwide network of 1,000+ independent licensed agents. Core revenue comes from commissions on life, health, long-term care, and annuity products, securities transaction and advisory fees through its Vanderbilt Securities LLC partnership, and debt resolution program fees. The company also provides an integrated business platform and training infrastructure (ILN Business Platform) that recruits, equips, and supports financial professionals.

Differentiator

Problem solved

Functional benefit

Brands

• ILN Securities: Securities division offering investment advisory services, portfolio management, and retirement planning through their RIA and Broker-Dealer partner.

Products and services

• Life Insurance
• 401(k) / IRA Rollover
• Long Term Care Insurance
• Annuities
• Estate Planning
• Health and Disability Insurance
• Debt Management
• Financial Planning
• College Planning
• Business Solutions
• ILN Securities
• Money Discovery
• Affiliate Referral Program
• Agent/Partner Platform
• Live Webinars

Quantifiable outcome

• Members can save up to 60% and $10,000 a year on health benefits
• +2 more outcomes

Named customers3 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Five partnerships are on record, tiered core and strategic.

• Vanderbilt Financial Group (Vanderbilt Securities, LLC)coreChannel Partner/ Reseller/ DistributorVanderbilt Financial Group is the marketing name for Vanderbilt Securities, LLC and its affiliates. Securities are offered through Vanderbilt Securities, LLC, a separate and unaffiliated entity. Vanderbilt is Member FINRA, SIPC, registered with MSRB. Clearing agent: Fidelity Clearing & Custody Solutions. Advisory services offered through Vanderbilt Advisory Services. This partnership enables ILN agents to offer securities and investment advisory services.
• ILN Insurance AgencycoreChannel Partner/ Reseller/ DistributorInsurance products are offered through ILN affiliations including ILN Insurance Agency in California, License #6010927. This is a subsidiary/affiliate entity that enables ILN to offer insurance products through its network of agents.
• Clearwater HealthstrategicTechnology or IntegrationClearwater Health is a health benefits provider partnered with ILN to offer new class of health plans designed for individuals, families, and businesses. ILN promotes Clearwater Health plans with members able to save up to 60% and $10,000 a year.
• 70+ Insurance CarrierscoreChannel Partner/ Reseller/ DistributorILN provides agents access to 70+ industry leading insurance carriers and financial product providers, enabling comprehensive product selection for client needs.
• Fidelity Clearing & Custody SolutionscoreTechnology or IntegrationFidelity Clearing & Custody Solutions serves as the clearing agent for Vanderbilt Securities, LLC, enabling securities custody and clearing services for ILN's securities operations.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Primerica: Primerica is the largest publicly traded multi-level financial services marketer in North America, distributing term life insurance, mutual funds, and debt management products through a vast independent sales force. It is the most direct large-scale analogue to ILN's independent agent distribution model across insurance and investments.
• Family First Life: Family First Life is a fast-growing life insurance-focused IMO with agency ownership models and a similar recruiting-driven GTM targeting career-changers — directly comparable to ILN's agency channel and agent acquisition funnel.
• World Financial Network (World Insurance Associates): World Insurance Associates is a multi-line insurance distribution platform that offers carriers, agents, and financial services producers access to product shelf, training, and back-office tools — comparable to ILN's hybrid insurance and financial services distribution network.
• Equis Financial: Equis Financial is a multi-product IMO that provides agents access to dozens of carriers, training, and back-office support. Its open-architecture carrier access and agent-centric platform overlap directly with ILN's value proposition.
• Symmetry Financial Group: Symmetry is a large independent IMO that recruits and supports life insurance agents with training, lead systems, and agency-building overrides — closely mirroring ILN's agent recruiting, tiered overrides, and platform-driven GTM.

Broad incumbents

• LPL Financial: LPL Financial is the largest U.S. independent broker-dealer and RIA custodian, providing registered representatives and investment advisors with compliance, custody, and product access — directly comparable to the role Vanderbilt Securities plays for ILN Securities.
• Transamerica: Transamerica is a major multi-line financial services company offering life insurance, annuities, retirement plans, and investment products — competing with ILN across retirement, annuity, and life insurance product lines.
• Cetera Financial Group: Cetera is a large independent broker-dealer and RIA platform serving financial advisors with custody, compliance, and product access. It is comparable to the securities infrastructure ILN relies on for its investment advisory business.
• Northwestern Mutual: Northwestern Mutual is a leading U.S. multi-line financial services incumbent offering life insurance, disability income, annuities, and wealth management through a captive advisor network — directly competing with ILN for life insurance and retirement planning households.
• New York Life: New York Life is one of the largest mutual life insurers with a captive agent force selling life, long-term care, retirement, and investment products — directly overlapping ILN's product mix and competing for similar middle-market clients.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries2 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 Impact Leadership Network