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Fat Agent
What it 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, booking, websites, funnels and AI capabilities. A customer profile connects leads, quotes, applications, policies, service, calls, SMS, appointments, follow-up and tasks. The quote engine supports products including auto, home, life, renters, annuities, long-term care and disability. Pattie AI offers capabilities for web chat, customer service, qualifying, quoting, underwriting expertise and product help; AI capacity is usage-based and limits apply. Phone and text conversations attach to CRM records, with desktop and mobile continuity. The iPhone app lets agents manage leads, contact clients, view conversation history, appointments and notes. Fat Agent lists connections with Liberty Mutual, Nationwide, Assurant, Allianz, Branch and Clearcover. Its IDX accepts policy, commission and pending-case data through API, SFTP or webhook. The Insurance CRM costs $100/mo, and AMS plans are $50/mo. Other listed offerings include phone, SMS, websites, additional users and Pattie.
For and against
For
- Connects customer profiles across insurance workflows
- Quotes multiple insurance product types
- Attaches calls and texts to CRM records
- iPhone app includes leads, appointments and notes
Against
- No free plan
- Pattie AI capacity is usage-based and limited
- Fat Ticket Part 2 health questions are not yet released
The verdict
Fat Agent combines agency management, CRM, quoting and communication tools for independent agencies. Buyers should account for usage-based AI limits and the listed monthly plan costs.
Who it suits
Fat Agent is aimed at independent insurance agencies working in property and casualty, life and health, or both. It may suit agencies seeking connected CRM, quoting and communications workflows.
Plans and prices
AMS — P&C
Policy management · commission downloads · claims-related data access
Read 1 Oct 2026 · fatagent.com
Agency Website
Custom branded site · quote widgets · booking · chat
Read 1 Oct 2026 · fatagent.com
AMS — Life & Health
Policy management · pending case status · daily commissions
Read 1 Oct 2026 · fatagent.com
Additional Users
Organization seat · optional Pattie seat · optional phone line
Read 1 Oct 2026 · fatagent.com
Phone & SMS
Local number · included minutes and SMS · voice and two-way SMS
Read 1 Oct 2026 · fatagent.com
Pattie Intelligence Platform
Usage-based AI capacity (limits apply) · org knowledge base · web chat when enabled
Read 1 Oct 2026 · fatagent.com
Insurance CRM
Unlimited leads and contacts · insurance funnels included · web chat included · booking, widgets, two-way email
Read 1 Oct 2026 · fatagent.com
On the record
- Application limitation
- Fat Ticket Part 1 is live, while Part 2 health questions are described as coming in a future release.fatagent.com · read 1 Oct 2026
- Carrier integrations
- Fat Agent says it has connections with Liberty Mutual, Nationwide, Assurant, Allianz, Branch, and Clearcover.fatagent.com · read 1 Oct 2026
- Communications
- Phone and SMS features keep calls and two-way text conversations attached to CRM records, with desktop and mobile continuity.fatagent.com · read 1 Oct 2026
- 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.fatagent.com · read 1 Oct 2026
- Compliance records
- The AMS page says agencies can keep licensing, contracting, and audit-friendly records organized with their other agency data.fatagent.com · read 1 Oct 2026
- CRM workflow
- Its CRM connects one customer profile across leads, quotes, applications, policies, service, calls, SMS, appointments, follow-up, and tasks.fatagent.com · read 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.fatagent.com · read 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.fatagent.com · read 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.fatagent.com · read 1 Oct 2026
- Notable limitation
- Pattie pricing states that AI capacity is usage-based and limits apply.fatagent.com · read 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.fatagent.com · read 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.fatagent.com · read 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.fatagent.com · read 1 Oct 2026
- Support
- Pattie Support is described as showing users how to use Fat Agent.fatagent.com · read 1 Oct 2026
- Target users
- The platform is built for independent insurance agencies handling property and casualty, life and health, or both.fatagent.com · read 1 Oct 2026
