---
title: "What Is Submission? Definition | Epic Life Glossary"
description: "A submission is the act of sending a completed insurance application to the carrier for review. After submission, underwriting reviews it and the..."
url: https://epicline.preview.multisites.ai/glossary/submission
publisher: Epic Life Group
apply: https://epicline.preview.multisites.ai/apply
quote: https://epicline.preview.multisites.ai/get-a-quote
---

Technology and operations

# Submission

A submission is the act of sending a completed insurance application to the carrier for review. After submission, underwriting reviews it and the carrier decides to issue, decline, or ask for more information.

## Why it matters

Agents want clean submissions, with all questions answered and signatures complete, because errors cause delays. Some carriers return a decision at once, while others take days. A submitted case is not a sale until the policy is issued and the first premium is paid. Commission rules differ by carrier. Families should keep copies of what they signed and confirm the planned payment date.

Source: [law.cornell.edu](https://www.law.cornell.edu/wex/underwriting)

[Read next, for agentsThe technology Epic Life agents use: CRM, quoting, and AI](https://epicline.preview.multisites.ai/careers/technology)

## Where we use this term

-   [How do life insurance agents get paid? An honest breakdown](https://epicline.preview.multisites.ai/careers/compensation)

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