--- title: "Insurance Carriers for Independent Agents: 110 Options" description: "Epic Life holds contracts with about 110 carriers. See the focus carriers, the product lines agents sell, and why carrier choice matters for clients." url: https://epicline.preview.multisites.ai/careers/carriers publisher: Epic Life Group apply: https://epicline.preview.multisites.ai/apply quote: https://epicline.preview.multisites.ai/get-a-quote --- # 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. For agentsUpdated October 14, 20264 min read 01 ## About 110 carriers Epic Life holds contracts with about 110 insurance carriers. 02 ## Nine focus carriers Training concentrates on a core group so you learn their systems well. 03 ## Seven product lines Final expense, mortgage protection, term, whole life, IUL, accidental death, and annuities. 04 ## Choice helps clients Different carriers accept different ages, health histories, and states. 05 ## Contracting support A back office team helps with carrier contracting. ## How many carriers does Epic Life work with? Epic Life Group has contracts with about 110 insurance carriers. That is the carrier access agents can draw on. Epic Life is an agency, not an insurer. The carriers issue the policies and pay the commissions. Not every agent is contracted with every carrier, and not every carrier sells in every state. Your options depend on your licenses, contract level, and what each carrier allows. ## What carriers does training focus on? Training concentrates on a core group so agents learn the carrier systems well. The focus carriers are: Carrier Role in training Aflac Focus carrier American Amicable Focus carrier AIG / Corebridge Financial Focus carrier American Home Life Focus carrier Ameritas Focus carrier F&G Focus carrier Mutual of Omaha Focus carrier Royal Neighbors of America Focus carrier Transamerica Focus carrier Other carrier logos on Epic Life’s current site include Lincoln Financial, National Life Group, Baltimore Life, and United Home Life. A logo is not a promise that a product is available to you. Ask Epic Life which carriers and products are open in your states. ## What products can agents sell? Epic Life agents sell these product lines. Each has its own rules. Product Short description Final expense Small whole life policies for funeral and end-of-life costs Mortgage protection Life coverage aimed at paying a mortgage if the owner dies Term life Coverage for a set number of years Whole life Permanent coverage with cash value Indexed universal life (IUL) Permanent coverage with cash value linked to an index Accidental death Pays if death results from a covered accident Fixed and fixed-index annuities Savings and income contracts issued by insurers Learn the terms in the glossary: [term life](https://epicline.preview.multisites.ai/glossary/term-life-insurance), [whole life](https://epicline.preview.multisites.ai/glossary/whole-life-insurance), and [annuity](https://epicline.preview.multisites.ai/glossary/annuity). Consumers can read our [coverage guides](https://epicline.preview.multisites.ai/life-insurance/final-expense). Agents selling IUL and annuities must not promise returns. ## Why does carrier choice matter? Carriers differ in who they accept and what they charge. A client with a health condition may be declined by one carrier and approved by another. Price for the same client can differ by carrier. A client who lives in one state may not be able to buy a product that is sold in another. An independent agent can compare. That is the main value to clients. It is also a reason Epic Life says it is not captive. Read [captive vs independent agent](https://epicline.preview.multisites.ai/guides/captive-vs-independent-agent) for the trade-offs. Epic Life’s comparative quoting tool supports this on the call. See [technology](https://epicline.preview.multisites.ai/careers/technology). ## How do contracts and contract levels work? A producer license lets you sell insurance in a state. The NAIC model act says the license does not by itself give you authority to represent a carrier. You also need an appointment from each carrier. Epic Life’s back office includes contracting support. Your contract level with each carrier affects your commission rate. Levels depend on the carrier and the agreement. Do not assume a rate before you see your contract. See [compensation](https://epicline.preview.multisites.ai/careers/compensation) and the glossary entry for [contract level](https://epicline.preview.multisites.ai/glossary/contract-level). ## How do I choose which carriers to learn first? Start with the focus carriers. Learn how each one underwrites, what health conditions it accepts, and how its application works. Then add carriers that fill gaps, such as clients with serious health issues or those outside the usual age range. Epic Life also offers help with hard-to-place cases, case design, and product illustrations through its licensed service team. Read [training](https://epicline.preview.multisites.ai/careers/training). ## What mistakes do agents make when choosing carriers? - Always using the one carrier they know best, even when another fits better. - Skipping the underwriting guide and quoting a client who will be declined. - Chasing the highest commission instead of the product the client can keep paying for. - Ignoring state availability until the application is rejected. - Forgetting that a lapse leads to a chargeback. The fix is simple. Learn the focus carriers, read each underwriting guide, and use the quoting tool to compare. A better fit means a policy that stays in force, which protects the client and your pay. ## How do I know a carrier fits a client? Match three things: the client’s health, age, and state; the budget; and the goal. Start with the goal, such as covering funeral costs or paying a mortgage. Then check which carriers accept the client’s health history. Then compare price and benefit terms. Write down why you picked the carrier. If a client or regulator asks later, you can explain the reasoning. This habit also helps you learn which carriers accept which health conditions, which saves time on future calls. ## What should I ask about carriers before I join? - Which carriers will I be contracted with on day one? - What is my contract level with each? - Which products are open in my licensed states? - How long does contracting take? - When and how are commissions paid out? ## Next step Ready to see the carrier list for your states? [Apply to Epic Life](https://epicline.preview.multisites.ai/apply). Already experienced? Read [experienced agents](https://epicline.preview.multisites.ai/careers/experienced-agents). ## Frequently asked questions ### How many carriers does Epic Life work with? Epic Life states it has contracts with about 110 carriers. Not every carrier sells every product in every state, and not every agent is contracted with every carrier. Ask about the carriers and contract levels available to you in your licensed states. ### Which carriers does Epic Life focus on? Training focuses on Aflac, American Amicable, AIG / Corebridge Financial, American Home Life, Ameritas, F&G, Mutual of Omaha, Royal Neighbors of America, and Transamerica. The current site also shows Lincoln Financial, National Life Group, Baltimore Life, and United Home Life among other carrier logos. ### Why does carrier choice matter for clients? Each carrier sets its own age limits, health questions, price, and state availability. A client turned down by one carrier may qualify at another. An independent agent can compare options. A captive agent can offer only one company's products. ### Is Epic Life an insurance company? No. Epic Life Group is an independent life insurance agency. Carriers issue the policies. It is not the same company as EPIC Life Insurance Company of Wisconsin or EPIC Insurance Brokers & Consultants. Always check which company issues a policy. ### What is a carrier appointment? An appointment, also called contracting, is a carrier's approval for you to sell its products. A state license alone does not authorize you to represent a carrier. Epic Life's back office helps agents with contracting. Contract level affects your commission. ### Can I sell all products for every carrier? Not necessarily. Carriers decide which products and states each agent may sell, and products differ by state. You also need the right license for the product. Ask for the list of carriers and products available to you before you commit. ## Terms on this page - [Indexed Universal Life](https://epicline.preview.multisites.ai/glossary/indexed-universal-life) - [Independent Agent](https://epicline.preview.multisites.ai/glossary/independent-agent) - [Producer License](https://epicline.preview.multisites.ai/glossary/producer-license) - [Contract Level](https://epicline.preview.multisites.ai/glossary/contract-level) - [Funeral Costs](https://epicline.preview.multisites.ai/glossary/funeral-costs) - [Underwriting](https://epicline.preview.multisites.ai/glossary/underwriting) - [Appointment](https://epicline.preview.multisites.ai/glossary/appointment) - [Contracting](https://epicline.preview.multisites.ai/glossary/contracting) - [Cash Value](https://epicline.preview.multisites.ai/glossary/cash-value) - [Chargeback](https://epicline.preview.multisites.ai/glossary/chargeback) ## Sources 1. [NAIC: Producer Licensing Model Act (#218)](https://content.naic.org/sites/default/files/model-law-218.pdf) 2. [NAIC: Producer Licensing](https://content.naic.org/insurance-topics/producer-licensing) 3. [NIPR: Apply for an insurance license](https://nipr.com/licensing-center/apply-for-a-license) Written by the Epic Life Group team and checked against the sources above on October 14, 2026. Rules and products change. Confirm details with a licensed agent or your state insurance department. ## Keep reading - [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.](https://epicline.preview.multisites.ai/careers/final-expense-agent) - [Captive vs independent insurance agent: who owns your book?A captive agent sells for one insurer or its family. An independent agent can offer many carriers. Ownership of the client list and renewals depends on the contract, not the label. Many captive agreements give the insurer rights to the book. Independent agents often keep theirs. Read the agreement before you choose.](https://epicline.preview.multisites.ai/guides/captive-vs-independent-agent) - [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.](https://epicline.preview.multisites.ai/careers/compensation) - [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.](https://epicline.preview.multisites.ai/careers/telesales-life-insurance-agent) - [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.](https://epicline.preview.multisites.ai/careers/experienced-agents) - [Your first 90 days as a telesales life insurance agent: a week-by-week rampPlan your first 90 days in three phases: get licensed and contracted, learn the sales process and carrier systems, then take live calls and build habits. Timing depends on your state and your carriers. No one can promise income. Focus on process, call review, and tracking your own numbers.](https://epicline.preview.multisites.ai/guides/first-90-days-as-a-telesales-agent) ## Start your climb. Tell us where you are today and request a call about licensing, training and the calls. [Apply to join](https://epicline.preview.multisites.ai/apply) Shopping for coverage instead? [Get a quote](https://epicline.preview.multisites.ai/get-a-quote)