--- title: "Epic Life FAQ: Agents, Agency Owners and Coverage" description: "Answers about joining Epic Life as an agent, leads and licensing, agency ownership, and buying life insurance through an Epic Life agent by phone." url: https://epicline.preview.multisites.ai/faq publisher: Epic Life Group apply: https://epicline.preview.multisites.ai/apply quote: https://epicline.preview.multisites.ai/get-a-quote --- # Frequently asked questions. Straight answers for agents, agency owners and families. ## Joining as an agent ### What carriers do Epic Life agents have contracts with? Epic Life offers contracts with about 110 carriers for final expense, mortgage protection, term, IUL and whole life. Training focuses on carriers including Aflac, American Amicable, Corebridge Financial, American Home Life, Ameritas, F&G, Mutual of Omaha, Royal Neighbors of America and Transamerica. ### Do Epic Life agents only do telesales? Yes. Telesales on inbound calls is the Epic Life model and the only option for agents who want to use our system and training. Agents sell by phone rather than in clients' homes. ### Do Epic Life agents own their own business? Yes. All Epic Life agents are 1099 independent contractors. Agents own their book of business, and their residuals are vested from day one. ### Can Epic Life agents build downlines? Yes. Our structure allows downlines and overrides, and our business development training helps you build a team that earns you override income. ### Do I have to buy my own leads? Yes. Epic Life agents buy live transfers and direct call-in leads at a discounted rate from the lead vendors Epic Life has relationships with. The leads are exclusive to the agent who buys them. ### How many states do I need to be licensed in? At least 10 states. Our most successful agents are licensed in more than 25 states, because more licenses mean more calls you can take. ### Would I be a captive agent at Epic Life? No. None of our agents are captive. If Epic Life is not a good fit for either side, we provide a release quickly. ### Do I need prior insurance experience? No. Epic Life helps you get licensed with resources and guidance, then trains you through a mandatory, hands-on program that uses real calls to teach the Epic Life sales process and carrier systems. ## Agency ownership ### How much does it cost to open an Epic Life agency? There is no Epic Life fee to become an agency owner. State licensing fees and normal business start-up costs that are not related to Epic Life still apply. ### How are Epic Life agency owners paid? Agency owners are paid commissions directly by the carriers on policies their agency writes. Epic Life does not control or hold your money. ### How involved do I need to be as an owner? Epic Life expects agency owners to follow an owner/operator model, so every owner stays focused on growing the business personally. ### Can I hire my own staff? Yes. As the owner you can hire your own staff, and Epic Life can help you find people. We recommend spending your first year building your own book of business before you hire. ### What support do agency owners get? Daily training, post-launch support, one-on-one sessions with experts, webinars, contracting support, case design help and a licensed back-office team. The support covers your agents as well as you. ## Buying coverage ### Is Epic Life an insurance company? No. Epic Life Group is an independent agency. Our licensed agents compare policies from about 110 carriers, and the carrier you choose issues the policy and pays the claim. ### How are life insurance agents paid? In general, insurance carriers pay agents a commission when a policy is issued, and the carrier sets the premium. Ask your agent how they are paid on the policy they recommend. ### Can I buy life insurance over the phone? Yes. Many carriers allow a licensed agent to take the application by phone with a voice or electronic signature. Some policies still need a medical exam or records. Your agent tells you which before you apply. ### What kinds of coverage can Epic Life agents quote? Final expense and burial insurance, mortgage protection, term life, whole life, indexed universal life, accidental death coverage, and fixed and fixed index annuities. Availability depends on your state, age and health. ### What if I have health problems? Many carriers offer simplified issue policies with a few health questions, and guaranteed issue policies with none. Guaranteed issue policies usually have a waiting period before the full benefit is paid. An agent can compare both. ## 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)