Fat Agent
Fat Agent is an insurance operating system for independent agencies handling property and casualty, life and health, or both.
What Fat Agent is
Fat Agent is an insurance operating system for independent agencies handling property and casualty, life and health, or both. It brings together CRM, agency management, commissions, quoting, communications, websites, booking, and AI capabilities. Its CRM links a customer profile across leads, quotes, applications, policies, service, calls, texts, appointments, follow-up, and tasks. The quote engine supports a range of insurance products from that profile, while Pattie AI offers chat, customer-service, sales, quoting, underwriting, and product-help functions. Phone and SMS conversations stay attached to CRM records, with desktop and iPhone continuity; the mobile app also gives agents access to leads, conversation history, appointments, and notes. Fat Agent lists connections with several carriers and accepts policy, commission, and pending-case data through API, SFTP, or webhook. Plans include an Insurance CRM at $100/mo and an AMS plan at $50/mo; AI capacity is usage-based and limits apply.
Good
- CRM connects customer activity across policies and service.
- Quote engine covers life, auto, home, and other products.
- Phone and SMS conversations attach to CRM records.
- iPhone app provides leads, appointments, notes, and conversation history.
- Supports API, SFTP, or webhook data intake.
Watch out
- AI capacity is usage-based and subject to limits.
- Fat Ticket Part 2 health questions are not yet available.
Who it suits
Fat Agent suits independent insurance agencies that want customer records, quoting, communications, and agency workflows in one platform. Its iPhone app is for agents managing leads and client conversations on mobile.
Verdict
Fat Agent brings insurance CRM, agency workflows, quoting, communications, and AI tools together for independent agencies. Check the plan and usage limits that fit your agency, especially for AI capacity and the unfinished Fat Ticket Part 2 health questions.
Plans and prices
From Fat Agent's own pricing page, checked 1 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| AMS — P&C | $50 a month | Policy management · commission downloads · claims-related data access · $50/mo |
| Agency Website | $50 a month | Custom branded site · quote widgets · booking · chat · setup fee covers build time · $50/mo + setup |
| AMS — Life & Health | $50 a month | Policy management · pending case status · daily commissions · $50/mo |
| Additional Users | $50 a month | Organization seat · optional Pattie seat · optional phone line · $50/user /mo |
| Phone & SMS | $50 a month | Local number · included minutes and SMS · voice and two-way SMS · $50/line /mo |
| Pattie Intelligence Platform | $100 a month | Usage-based AI capacity (limits apply) · org knowledge base · web chat when enabled · $100/mo org; $50/user /mo additional agents |
| Insurance CRM | $100 a month | Unlimited leads and contacts · insurance funnels included · web chat included · booking, widgets, two-way email · $100/mo |
The facts
Each one read from Fat Agent's own pages, with the date it was checked.
Where it runs
- Application limitation
- Fat Ticket Part 1 is live, while Part 2 health questions are described as coming in a future release.checked 1 Oct 2026
What it does
- Carrier integrations
- Fat Agent says it has connections with Liberty Mutual, Nationwide, Assurant, Allianz, Branch, and Clearcover.checked 1 Oct 2026
- Communications
- Phone and SMS features keep calls and two-way text conversations attached to CRM records, with desktop and mobile continuity.checked 1 Oct 2026
- Compliance records
- The AMS page says agencies can keep licensing, contracting, and audit-friendly records organized with their other agency data.checked 1 Oct 2026
- CRM workflow
- Its CRM connects one customer profile across leads, quotes, applications, policies, service, calls, SMS, appointments, follow-up, and tasks.checked 1 Oct 2026
- Data integrations
- Fat Agent IDX accepts policy, commission, and pending-case data through API, SFTP, or webhook, with XML, AL3, or JSON in batch or real time.checked 1 Oct 2026
- Insurance quoting
- The quote engine supports life, auto, home, renters, condo, landlord, annuities, long-term care, disability, and other products from one customer profile.checked 1 Oct 2026
- Mobile support
- The mobile app is for iPhone and lets agents manage leads, call clients, send and receive SMS, review conversation history, and access appointments and notes.checked 1 Oct 2026
- Notable limitation
- Pattie pricing states that AI capacity is usage-based and limits apply.checked 1 Oct 2026
- Pattie AI
- Pattie provides Chat, CSR, Closer, Quoter, Underwriter, and Support AI capabilities for web chat, qualifying, quoting, drafting, underwriting expertise, and product help.checked 1 Oct 2026
- Product scope
- Fat Agent describes itself as an insurance operating system combining CRM, AMS, commissions, AI, web chat, phone and SMS, booking, mobile app, quote engine, quote widgets, websites, and funnels.checked 1 Oct 2026
- Security workflow
- The IDX page describes SFTP as a secure file-transfer workflow and says Fat Agent routes data to the correct producer accounts using agency and producer codes.checked 1 Oct 2026
- Support
- Pattie Support is described as showing users how to use Fat Agent.checked 1 Oct 2026
- Target users
- The platform is built for independent insurance agencies handling property and casualty, life and health, or both.checked 1 Oct 2026
The company
- Company background
- Fat Agent says it was built inside Insurance Geek and tested by that agency in production for over 20 years of insurance operations.checked 1 Oct 2026
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