> By the way, if sentence have no passive voice the word "изменила" is right, not "изменило", because "жизнь" is female.

"Изменило" can be used here. Example: "Его выкинуло из машины и несколько раз перевернуло (силой инерции).". Words in brackets can be omitted, which lead us to structure and cases of phrase from question.
However "жизнь изменилась" is used much more often. Conventional phrase. "Жизнь изменило" sounds unusual, despite of it's correctness, so, it took several seconds to understand why this case is used, even for me.