Freedom251 › Insurance CRM Software
Fat Agent
What Fat Agent is
Fat Agent is an insurance operating system for independent agencies working in property and casualty, life and health, or both. It combines customer relationship management, agency management, commissions, quoting, phone and SMS, booking, websites, funnels, and AI functions. Its CRM connects each customer profile to leads, quotes, applications, policies, service, calls, text messages, appointments, follow-up, and tasks. The quote engine supports life, auto, home, renters, condo, landlord, annuities, long-term care, disability, and other products from one profile.
Pattie AI provides capabilities for web chat, customer service, qualifying, quoting, underwriting expertise, and product help. Phone and SMS conversations attach to CRM records and can continue between desktop and mobile. The iPhone app lets agents manage leads, contact clients, review conversation history, and access 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, using XML, AL3, or JSON in batch or real time. The Insurance CRM costs $100 a month; AMS plans are $50 a month. Pattie AI costs $100 a month for the organization, plus $50 a month for each additional agent, with usage-based capacity limits.
Who it suits
Fat Agent suits independent insurance agencies handling property and casualty, life and health, or both, especially those seeking connected customer records, quoting, communications, and agency management. Its iPhone app and data intake options may also fit agencies that need mobile access and policy or commission data routed to producer accounts.
What it does well
- CRM connects customer records across sales, service, policies, and communications.
- Quote engine supports multiple personal and commercial insurance products.
- Phone and SMS conversations attach to CRM records.
- iPhone app includes leads, conversation history, appointments, and notes.
- IDX accepts data through API, SFTP, or webhook.
- AMS plans include policy management and commission features.
What to know first
- There is no free plan.
- Pattie AI capacity is usage-based and limits apply.
- Fat Ticket Part 2 health questions are described as coming in a future release.
- Phone & SMS costs $50 a month per line.
Limits
Pattie AI capacity is usage-based and limits apply. Fat Ticket Part 1 is live, while Part 2 health questions are described as coming in a future release.
Plans
| Plan | Billed and limits | Price |
|---|---|---|
| Insurance CRM | $100/mo · Unlimited leads and contacts · insurance funnels included · web chat included · booking, widgets, two-way email | $100 a month |
| Pattie Intelligence Platform | $100/mo org; $50/user /mo additional agents · Usage-based AI capacity (limits apply) · org knowledge base · web chat when enabled | $100 a month |
| AMS — Life & Health | $50/mo · Policy management · pending case status · daily commissions | $50 a month |
| AMS — P&C | $50/mo · Policy management · commission downloads · claims-related data access | $50 a month |
| Phone & SMS | $50/line /mo · Local number · included minutes and SMS · voice and two-way SMS | $50 a month |
| Agency Website | $50/mo + setup · Custom branded site · quote widgets · booking · chat · setup fee covers build time | $50 a month |
| Additional Users | $50/user /mo · Organization seat · optional Pattie seat · optional phone line | $50 a month |
As fatagent.com lists them, read 1 Oct 2026. The maker's own page has the final word.
Getting started
- Visit the Fat Agent website.
- Choose a plan for the functions your agency needs, such as Insurance CRM or an AMS plan.
- Add organization users, Pattie seats, or phone lines if needed; each has a listed monthly price.
- Use the web platform or the iPhone app to work with leads, records, appointments, and conversations.
- Connect policy, commission, or pending-case data through API, SFTP, or webhook if needed.
Verdict
Choose Fat Agent if your independent agency wants insurance CRM, quoting, communications, and agency management connected around customer profiles. Look elsewhere if your workflow depends on Fat Ticket Part 2 health questions now or needs AI capacity without usage limits.
Questions
How much does Fat Agent cost?
The Insurance CRM costs $100 a month. AMS — P&C and AMS — Life & Health each cost $50 a month; the Pattie Intelligence Platform costs $100 a month for the organization, plus $50 a month for each additional agent.
Is there a free plan?
No. Fat Agent is listed as paid and has no free plan.
Which platforms are available?
The listed platforms are API, iOS, and web. The mobile app is for iPhone.
What insurance products can the quote engine handle?
It supports life, auto, home, renters, condo, landlord, annuities, long-term care, disability, and other products from one customer profile.
Which carriers does Fat Agent connect with?
It lists connections with Liberty Mutual, Nationwide, Assurant, Allianz, Branch, and Clearcover.
Does Pattie AI have usage limits?
Yes. AI capacity is usage-based and limits apply.
Facts from Fat Agent's own pages
- Application limitation
- Fat Ticket Part 1 is live, while Part 2 health questions are described as coming in a future release. · fatagent.com, 1 Oct 2026
- Carrier integrations
- Fat Agent says it has connections with Liberty Mutual, Nationwide, Assurant, Allianz, Branch, and Clearcover. · fatagent.com, 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, 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, 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, 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, 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, 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, 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, 1 Oct 2026
- Notable limitation
- Pattie pricing states that AI capacity is usage-based and limits apply. · fatagent.com, 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, 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, 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, 1 Oct 2026
- Support
- Pattie Support is described as showing users how to use Fat Agent. · fatagent.com, 1 Oct 2026
- Target users
- The platform is built for independent insurance agencies handling property and casualty, life and health, or both. · fatagent.com, 1 Oct 2026
Where Fat Agent stands on Freedom251
- Insurance CRM Software#22 of 31