I know some coaches - they're not so much "life coaches" but more corporate-focused.
They have a psychology background and/or have had a long career ending in some kind of burnout before retraining/rebranding.
I've had good and bad experiences and would say, you need to be in the right frame of mind to benefit from a coach. If you are dismissive, you won't get much out of it. I think as well, as with any relationship, you need to not have a total personality clash for it to work out.
I did think about buying some sessions privately from a coach I know who has recently gone it alone (unsurprisingly, the pandemic has not been a good year for coaches!) but my concern is my life will never be fixed, and I don't want to end up in a situation where I'm paying hundreds of pounds to a coach every month for the rest of my life. No one's life is ever perfect, and I don't want to start a service that has no end point.
Instead - and this links back to the comment about professional clutters above - I've resolved to spend some time in the New Year asking myself some hard questions and planning how to improve my life myself. The whole point of a coach is that they can ask the questions you know need to be asked but don't want to, so I'm just going to show myself some tough love.
I already have some ideas swirling around in the back of my mind - I know I'm not a lost cause, I just need to spend some time focussing on me. Deep down, I know I don't need to pay anyone to tell me that.