--- title: "Telesales Life Insurance Agent Jobs on Inbound Calls | Epic Life" description: "Telesales life insurance agent jobs at Epic Life: inbound phone sales, a day in the role, 1099 status, licensing, lead costs, and how pay works." url: https://epicline.preview.multisites.ai/careers/telesales-life-insurance-agent publisher: Epic Life Group apply: https://epicline.preview.multisites.ai/apply quote: https://epicline.preview.multisites.ai/get-a-quote --- # Telesales life insurance agent: selling on inbound calls A 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. For agentsUpdated October 14, 20264 min read 01 ## Phone-based selling You sell by phone, not door to door. Inbound calls are the Epic Life model. 02 ## 1099 contractor You are self-employed, not an employee. You manage your own taxes and expenses. 03 ## License required You need a state producer license. Epic Life requires at least 10 states. 04 ## Leads cost money Agents buy exclusive inbound leads at a discounted rate. They are not free. 05 ## AI call coaching AI call analysis and one-on-one sessions help you improve. ## What is a telesales life insurance agent? A telesales life insurance agent sells life insurance by phone. Most calls are inbound, meaning the caller asked for information first. The agent asks questions, finds a fit among carriers, quotes, and completes the application with the client on the line. This is different from door-to-door or kitchen-table selling. It is also different from cold calling. At Epic Life, telesales on inbound calls is the model. Agents who join work this way. ## How is telesales different from in-person selling? You trade travel and appointments for volume and speed. The call is the appointment. Factor Telesales (Epic Life) In-person selling Where you sell By phone In client homes and offices First contact Inbound call or live transfer Appointment you set or cold knocks How you meet clients Inbound phone calls Appointments and visits Application E-application with voice or e-signature Paper or tablet at the table Cost drivers Lead cost Mileage, time, lead cost Epic Life says its lead platform is built for TCPA and HIPAA compliance. That lets agents offer some products by phone that are often limited to face-to-face sales. Confirm which products and states apply to your license. ## What does a day look like? Epic Life does not publish a fixed schedule or call volume, and this page does not either. Here is the general shape of a telesales day, based on how inbound phone sales works: 1. Log into the CRM and phone system. Review callbacks and follow-ups. 2. Take inbound calls and live transfers as they arrive. 3. On each call, ask health and needs questions, use the quoting tool, and pick a carrier and product. 4. Complete the application, verify the bank account with GIACT, and submit. 5. Log notes. Let AI follow-up and automations handle reminders. 6. Review your scorecards and recorded calls. Join training or a one-on-one. The call flow is the core skill. See the [first 90 days as a telesales agent](https://epicline.preview.multisites.ai/guides/first-90-days-as-a-telesales-agent) for a week-by-week view. ## How do inbound calls work? Inbound means the client contacted the lead source first. Epic Life describes two types: direct call-in leads and live transfers. Both are exclusive to the agent and generated through Epic Life’s lead vendors. Agents buy them at a discounted rate. Each lead has a cost. Your profit is commission minus lead cost, minus chargebacks, minus your own expenses. Learn the full picture on the [inbound calls page](https://epicline.preview.multisites.ai/careers/inbound-calls) and in [inbound calls vs live transfers vs aged leads](https://epicline.preview.multisites.ai/guides/inbound-calls-vs-live-transfers-vs-aged-leads). ## What do I need to start? - A producer license in your home state and a plan to reach at least 10 states - Carrier contracts, which Epic Life’s back office helps arrange - A quiet workspace, a computer, and reliable internet - Willingness to be coached on recorded calls - A plan for self-employment taxes and business expenses New to licensing? Start at [new agents](https://epicline.preview.multisites.ai/careers/new-agents) and the [licensing page](https://epicline.preview.multisites.ai/careers/licensing). ## What are the rules on calling? Federal rules limit telemarketing. The FTC says businesses that sell by phone generally must check the National Do Not Call Registry and remove listed numbers from their lists. The FCC’s rules require consent for certain automated or prerecorded telemarketing calls. These rules are changing in the courts, so follow your agency’s compliance guidance. Epic Life’s platform flags risky language and is built for TCPA compliance, including Do Not Call. That helps, but you remain responsible for your own conduct. No agent has zero legal risk. ## What does the job pay? Pay is commission. It depends on your production, your contract level, your lead spend, and chargebacks. Epic Life does not publish income figures, and neither does this page. Telesales has real upside and real risk. Read [compensation](https://epicline.preview.multisites.ai/careers/compensation) before you decide. ## Tools and training you get Epic Life agents get a customized CRM with ScheduleBot, AI follow-up, funnels, and a phone system. They also get a comparative quoting tool and GIACT bank verification. See [technology](https://epicline.preview.multisites.ai/careers/technology). Training is mandatory and uses real leads. See [training](https://epicline.preview.multisites.ai/careers/training). ## Is telesales right for you? Telesales rewards people who like conversation, can stay calm with strangers, and follow a process. It is a poor fit for people who dislike the phone or who need a steady paycheck from week one. You may like it if You may not like it if You enjoy helping people decide You dislike being on the phone You can take coaching on recorded calls You resist feedback You like structured phone work You prefer meeting people in person You can manage money with uneven pay You need a guaranteed paycheck You follow rules carefully You cut corners under pressure ## What are the common mistakes? - Talking about the product before understanding the family. - Skipping the bank verification step and causing a failed first payment. - Letting follow-up slide when a prospect says “let me think.” - Ignoring compliance rules because the lead was inbound. - Spending on leads without tracking cost per sale. Good habits fix most of these. Coaching helps you catch them early. See [training](https://epicline.preview.multisites.ai/careers/training) for how. ## Next step If phone sales fits you, [apply to Epic Life](https://epicline.preview.multisites.ai/apply). If you want the final expense angle first, read the [final expense agent career page](https://epicline.preview.multisites.ai/careers/final-expense-agent). ## Frequently asked questions ### Is a telesales life insurance agent an employee or a 1099 contractor? At Epic Life, agents are 1099 independent contractors. The IRS says independent contractors are self-employed and owe self-employment tax. You pay your own business expenses and are paid commission, not a wage. Read your contract and talk to a tax adviser. ### Do I need a license to sell life insurance over the phone? Yes. You need a producer license in your home state, plus a nonresident license in each other state where your client lives. Epic Life requires licenses in at least 10 states. Its most successful agents hold licenses in 25 or more. ### Are the leads free? No. Epic Life agents buy direct call-in leads and live transfers at a discounted rate. The leads are exclusive and come through Epic Life's lead vendors. Lead cost comes out of your profit, so the math matters. See the compensation page for how to work it out. ### What equipment does a phone agent need? You need a reliable computer, a quiet space, and a solid internet connection. Ask Epic Life whether your role is in the office or remote. Epic Life provides a customized CRM, a phone system, a comparative quoting tool, and bank verification through GIACT. Ask Epic Life for the current setup list when you apply. ### Can I sell in states beyond my home state? Yes, if you hold a nonresident license in that state and a carrier appointment that covers it. NIPR handles nonresident applications for most states. Epic Life wants agents licensed in at least 10 states so they can take calls from many parts of the country. ### How is call quality monitored and coached? Epic Life describes AI call analysis with custom feedback and scorecards, real-time guidance during calls, and flags for risky language. You also get one-on-one sessions. Ask how recordings are stored and who can hear them before you start. ## Terms on this page - [Telephone Consumer Protection Act](https://epicline.preview.multisites.ai/glossary/tcpa) - [National Do Not Call Registry](https://epicline.preview.multisites.ai/glossary/national-dnc-registry) - [Producer License](https://epicline.preview.multisites.ai/glossary/producer-license) - [Contract Level](https://epicline.preview.multisites.ai/glossary/contract-level) - [Life Insurance](https://epicline.preview.multisites.ai/glossary/life-insurance) - [E-Application](https://epicline.preview.multisites.ai/glossary/e-application) - [Live Transfer](https://epicline.preview.multisites.ai/glossary/live-transfer) - [Telemarketing](https://epicline.preview.multisites.ai/glossary/telemarketing) - [Inbound Call](https://epicline.preview.multisites.ai/glossary/inbound-call) - [Appointment](https://epicline.preview.multisites.ai/glossary/appointment) ## Sources 1. [IRS: Independent contractor defined](https://www.irs.gov/businesses/small-businesses-self-employed/independent-contractor-defined) 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) 4. [FCC: One-to-One Consent Rule FAQ (TCPA)](https://docs.fcc.gov/public/attachments/DOC-408396A1.pdf) 5. [FTC: National Do Not Call Registry FAQs](https://consumer.ftc.gov/articles/national-do-not-call-registry-faqs) 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 - [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.](https://epicline.preview.multisites.ai/careers/new-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) - [Inbound calls vs live transfers vs aged leads: how to compare cost per saleInbound calls come from people who dial you. Live transfers connect a pre-screened person to you by phone. Aged leads are older contact records you must reach yourself. Compare them by cost per sale, not price per lead. Whatever you buy, follow TCPA and Do Not Call rules in 47 CFR 64.1200.](https://epicline.preview.multisites.ai/guides/inbound-calls-vs-live-transfers-vs-aged-leads) - [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.](https://epicline.preview.multisites.ai/careers/inbound-calls) - [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.](https://epicline.preview.multisites.ai/careers/training) - [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) ## 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)