Life insurance agent careers, built on inbound calls.
You talk to people who asked for help. You quote from about 110 carriers. You keep what you build.
Getting started
- How to become a life insurance agent with no experienceYou do not need a degree or insurance experience to become a life insurance agent. You need a state producer license, which usually means pre-licensing study, a state exam, and a background check. Then you contract with carriers. Epic Life helps new agents get licensed with resources and guidance.
- Switching IMOs: what experienced agents should knowExperienced agents can move to Epic Life as 1099 independent contractors. Epic Life is independent, not captive, and says it gives releases quickly if the fit is wrong. Bring your licenses and carrier contracts. Ask in writing how vesting, chargebacks, and lead costs work before you sign anything.
- How life insurance licensing works across multiple statesYou get a resident life insurance license in your home state first. Then you add nonresident licenses in other states, usually through NIPR, to sell to clients there. Epic Life requires licenses in at least 10 states. Its most successful agents hold licenses in 25 or more.
The work
- Telesales life insurance agent: selling on inbound callsA telesales life insurance agent sells coverage by phone, mostly on inbound calls from people who asked for information. At Epic Life, agents work as licensed 1099 contractors. They buy exclusive inbound calls at a discounted rate, quote carriers, and complete applications with the client on the call.
- Is final expense a good career? What agents really doA final expense agent sells small whole life policies that help families pay funeral and end-of-life costs. Buyers are usually older adults. The work is phone or in-person sales with strict compliance rules. Income depends on production, lead cost, and chargebacks. Epic Life supports new agents with training and licensing help.
- Inbound calls for insurance agents: how Epic Life leads workInbound calls are phone calls from people who asked about insurance first. Epic Life agents buy exclusive direct call-in leads and live transfers, generated through Epic Life's lead vendors, at a discounted rate. The lead platform is built for TCPA and HIPAA compliance. Leads cost money, so lead math matters.
- Insurance sales training at Epic Life: AI coaching and mentorsEpic Life training is mandatory, hands-on, and progressive. After licensing and onboarding, agents learn the sales process and carrier systems on real leads. Tools include AI call analysis with scorecards, real-time guidance during calls, daily training, one-on-one sessions, and mentorship. The edge is sales skill, not shortcuts.
- The technology Epic Life agents use: CRM, quoting, and AIEpic Life agents use a customized CRM with ScheduleBot, AI follow-up, funnels, automations, a phone system, team management, email and social tools, and data validation. They also use a comparative quoting tool, GIACT bank-account verification, and AI appointment booking to organize their work and follow up with leads.
- Which carriers can Epic Life agents sell for?Epic Life is contracted with about 110 insurance carriers. Training focuses on Aflac, American Amicable, AIG / Corebridge Financial, American Home Life, Ameritas, F&G, Mutual of Omaha, Royal Neighbors of America, and Transamerica. Agents sell final expense, mortgage protection, term, whole life, IUL, accidental death, and annuities.
Pay and growth
- How do life insurance agents get paid? An honest breakdownLife insurance agents earn commission from carriers when policies are sold and paid. Pay depends on carrier, product, and contract level. Commissions may be advanced or earned as premiums are paid. Policies that lapse early can cause chargebacks. Lead costs reduce profit. Epic Life does not publish income figures.
- Start an insurance agency with Epic Life: how ownership worksEpic Life offers an owner/operator model with no cost to become an agency owner, apart from state fees and normal start-up costs. Carriers pay owners commissions directly, so Epic Life does not hold your money. You may build a downline and earn overrides. Epic advises focusing on personal production in year one.
What you need to start.
Epic Life agents are 1099 independent contractors paid by commission. There is no salary. We tell you that up front because the agents who succeed here plan for it.
Your first 90 days, week by week- A life insurance license, or the drive to earn one.
- Licenses in at least 10 states. Top agents hold 25 or more.
- A record that passes the background check most states require for a license.
- A budget for inbound calls, which you buy at our discounted rate.
- Coachability. You follow the process first, then make it yours.
Quote the carriers families already know.
About our 110 carrier contracts
Guides for agents.
- How to join an IMO: the questions to ask before you sign
- Life insurance chargebacks explained: how they work and how to protect your cash flow
- IMO vs FMO vs MGA: which structure fits an independent agent?
- Captive vs independent insurance agent: who owns your book?
- Inbound calls vs live transfers vs aged leads: how to compare cost per sale
- How to get a multi-state life insurance license: resident first, then nonresident
- Building an insurance agency: how overrides and downlines work, and what is legal
- Your first 90 days as a telesales life insurance agent: a week-by-week ramp
Start your climb.
Tell us where you are today and request a call about licensing, training and the calls.
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