Your phone rings. Your book grows.

Sell life insurance on exclusive inbound calls. Quote about 110 carriers. Own every policy you write from day one.

Apply to join See how it works

Epic Life agents and staff standing together outdoors on a lawn, smiling.

110carriers

contracted, so you can fit the policy to the person.

10+states

licensed at minimum. Top agents hold 25 or more.

Day 1vesting

You own your book of business from your first policy.

$0to own an agency

No Epic Life fee to open your own agency. State fees apply.

For agentsBuild a sales career that compounds.Training, inbound calls, carrier access and a path to your own agency.Explore careers For familiesFind coverage that fits your budget and your health.Request a call from a licensed agent who compares carriers by phone.See coverage options

The climb, step by step.

Four stages take you from your first license to running your own agency.

Get licensed
No experience needed. We guide you through your resident license, then nonresident licenses in 10 or more states.
Licensing path
Learn the system
A hands-on training program on real calls, with mentors, daily sessions and AI scorecards on your calls.
How training works
Take inbound calls
Exclusive direct call-in leads and live transfers from people who already asked for coverage.
About the calls
Build your agency
Recruit and train a downline, earn overrides, and open your own Epic Life agency at no cost.
Agency ownership

Everything a phone agent needs, in one place.

Exclusive inbound calls

Direct call-in leads and live transfers, generated for Epic Life agents and not shared. You buy them at a discounted rate and talk to people who already asked about coverage.

How the calls work

AI call coaching

Scorecards on your calls, suggested rebuttals in real time, and practice on the objections you miss most.

110

Carriers to quote

Fit the policy to the client's age, health and budget.

A CRM built for telesales

ScheduleBot, AI follow-up, a full phone system, a comparative quoting tool and GIACT bank verification.

Built for TCPA and HIPAA compliance

Our lead platform is built for Do Not Call and consent rules, and stores health information on AWS. That opens products by phone that are often limited to face-to-face sales.

Benefits for owners

Medical, dental, vision and a 401(k) plan for agency owners.

Quote the carriers families already know.

About our 110 carrier contracts

Agents look for magic beans. A better lead list, a hot product, a new script.

The magic beans are your sales skills. We teach them.

See the training program

Rule one

Care about the client.

Rule two

Be the expert on the call.

Straight answers before you sign.

Recruiting pages hide the hard parts. Here they are. Read our guide on what to ask any agency before you join.

You are a 1099 contractor, not captive.If it is not a fit, we provide your release quickly.
You own your book from day one.Your renewals and residuals are vested from your first policy.
You pay for your calls, at our discounted rate.Leads are not free. Ask for current lead pricing before you start.
Carriers pay agency owners directly.Epic Life does not hold your money.
We publish no income promises.Your pay depends on your production, lead spend and chargebacks. We show you the math.
Telesales on inbound calls is the model.You sell by phone, in the states where you hold a license.

Shopping for life insurance? Talk to an agent who can compare.

Epic Life agents are licensed and work with about 110 carriers. Tell us what you need and request a call to compare options.

Get a quote

Learn the business before you need it.

For agentsHow to join an IMO: the questions to ask before you signTo join an IMO, get licensed, apply, and sign a contract that links you to carriers. Before you sign, ask in writing about fees, release terms, lead costs, chargebacks, contract levels, and vesting. A good IMO answers plainly. A weak one dodges. This guide lists every question and Epic Life's answers.For agentsLife insurance chargebacks explained: how they work and how to protect your cash flowA life insurance chargeback is commission a carrier takes back when a policy lapses or cancels before the agent has earned the full advance. Carriers pay advances up front and earn them out over a set period. Chargebacks vary by carrier and contract. You can reduce them with good fit, clean applications, and a cash reserve.For familiesHow much does final expense insurance cost, and what sets the price?Final expense insurance cost depends mostly on your age, health, tobacco use, the coverage amount, and the policy type. A healthy 60-year-old pays far less per month than a 78-year-old with health problems. No honest guide can give one price. A licensed agent can compare real quotes from several carriers for you.

All 16 guides The life insurance glossary

Questions agents and families ask us.

Is Epic Life an insurance company?

No. Epic Life Group is an independent life insurance agency. Our licensed agents compare policies from about 110 insurance carriers, and the carrier you choose issues your policy. We are not affiliated with EPIC Life Insurance Company or EPIC Insurance Brokers & Consultants.

Do I need insurance experience to join Epic Life?

No. Many Epic Life agents start with no insurance background. We help you get licensed, then put you through a mandatory hands-on training program that teaches the Epic Life sales process and carrier systems on real calls.

Do Epic Life agents have to buy their own leads?

Yes. Agents buy exclusive direct call-in leads and live transfers at a discounted rate through the vendors Epic Life works with. Ask for current lead pricing before you start so you can plan your budget.

How many states do I need to be licensed in?

At least 10 states. Our most successful agents are licensed in 25 or more states, because more licenses mean more of the inbound calls can be routed to you.

Are Epic Life agents captive?

No. Every Epic Life agent is a 1099 independent contractor. You own your book of business and your residuals are vested from day one. If the fit is not right for either side, we provide a release quickly.

Can I build a team or own an agency?

Yes. Epic Life allows downlines and overrides, and offers business development training. You can also open your own Epic Life agency with no Epic Life fee. State licensing fees and normal business start-up costs still apply.

Start your climb.

Tell us where you are today and request a call about licensing, training and the calls.

Apply to join

Shopping for coverage instead? Get a quote