Fat Agent Standard / Insurance

v1.0

Carrier

Represents an insurance company or risk-bearing insurance entity that offers, issues, or administers insurance products and contracts.

One Carrier is one regulated issuing or risk-bearing legal entity. Carrier identifies the insurance company. It does not define products, rates, or Adapter Layer mappings.

Identity

carrier_id, legal_name, and status are required. Use the issuing or risk-bearing legal entity, not only a marketing brand. brand_name may be shared by multiple Carrier objects. Status describes the Carrier record, not whether a Product is open for new business.

Field	Type	Required	Description
`carrier_id`	string	Yes	Unique Fat Agent Standard Carrier identifier
`legal_name`	string	Yes	Full legal name of the insurance entity
`brand_name`	string	No	Optional consumer-facing or commonly used brand
`carrier_type`	enum	No	High-level insurance-entity classification Allowed: insurance_company, fraternal_benefit_society, reciprocal, risk_retention_group, surplus_lines, reinsurer, other
`carrier_type_description`	string	Yes*	Custom value when carrier_type is other. Required when carrier_type is other. MUST NOT be set otherwise.
`status`	enum	Yes	Current Carrier record or entity status Allowed: active, inactive, runoff, rehabilitation, liquidation, merged, acquired, other
`status_description`	string	Yes*	Custom value when status is other. Required when status is other. MUST NOT be set otherwise.

Regulatory

Regulatory identifiers SHOULD be supplied whenever known. Store NAIC codes as strings so leading zeros are preserved. An NAIC company code identifies one regulated company. An NAIC group code identifies the group. Do not interchange them. Do not infer a code when unknown.

Field	Type	Required	Description
`naic_company_code`	string	No	NAIC company code for the regulated insurance company
`naic_group_code`	string	No	Optional NAIC group identifier
`naic_group_name`	string	No	Optional name of the associated insurance group
`domiciliary_state`	string	No	State of domicile. For U.S. carriers, use ISO 3166-2 such as US-OH.
`country`	string	No	ISO 3166-1 alpha-2 country code

Relationships

Parent and group relationships describe Standard-object links. naic_group_code describes regulatory group membership. They serve different purposes and MAY coexist. Distinct issuing legal entities MUST remain separate Carrier objects.

Field	Type	Required	Description
parent_carrier_id	string	No	Parent Carrier when the direct parent is itself a Carrier
parent_organization_id	string	No	Holding company, parent company, or other non-carrier parent Organization

Business

lines_of_business identifies high-level Carrier capability. Actual products belong in Product objects. jurisdictions are carrier-level operating or authorized jurisdictions. They do not mean every Product is available there, or that a Producer is licensed or appointed there.

Field	Type	Required	Description
`lines_of_business`	array[enum]	No	Broad lines the Carrier supports Allowed: life, annuity, long_term_care, disability, personal_auto, property, personal_umbrella, commercial, other
`line_of_business_description`	string	Yes*	Custom value when lines_of_business contains other. Required when lines_of_business contains other. MUST NOT be set otherwise.
`jurisdictions`	array[string]	No	Jurisdictions where the Carrier is represented as operating or authorized. U.S. states SHOULD use ISO 3166-2.
`website`	string (URI)	No	Carrier website

Contact — Phones

phones is an optional array of Carrier phone numbers.

Field	Type	Required	Description
`type`	enum	Yes	Type of Carrier phone number Allowed: main, customer_service, claims, producer_service, underwriting, billing, fax, other
`type_description`	string	Yes*	Custom value when type is other. Required when type is other. MUST NOT be set otherwise.
`number`	string	Yes	Phone number
`extension`	string	No	Phone extension

Contact — Emails

emails is an optional array of Carrier email addresses.

Field Type Required Description

Field	Type	Required	Description
`type`	enum	Yes	Type of Carrier email address Allowed: general, customer_service, claims, producer_service, underwriting, billing, other
`type_description`	string	Yes*	Custom value when type is other. Required when type is other. MUST NOT be set otherwise.
`address`	string (email)	Yes	Email address

type

enum

Yes

Type of Carrier email address

Allowed: general, customer_service, claims, producer_service, underwriting, billing, other

type_description

string

Yes*

Custom value when type is other. Required when type is other. MUST NOT be set otherwise.

address

string (email)

Yes

Email address

Addresses

addresses is an optional array of references. Each item contains address_id, type, and type_description when type is other. Address fields belong on Address and MUST NOT be duplicated here.

Field Type Required Description

Field	Type	Required	Description
address_id	string	Yes	ID of the related Address object
`type`	enum	Yes	Carrier's relationship to the address Allowed: headquarters, mailing, claims, billing, administrative, other
`type_description`	string	Yes*	Custom value when type is other. Required when type is other. MUST NOT be set otherwise.

address_id

string

Yes

ID of the related Address object

type

enum

Yes

Carrier's relationship to the address

Allowed: headquarters, mailing, claims, billing, administrative, other

type_description

string

Yes*

Custom value when type is other. Required when type is other. MUST NOT be set otherwise.

External References

external_references preserve identifiers used by external insurance systems. They identify the Carrier. They MUST NOT contain proprietary Adapter Layer transformation logic.

Field	Type	Required	Description
`system`	string	Yes*	External system
`reference_id`	string	Yes*	Identifier assigned by that system
`reference_type`	string	No	Type of reference

Lines of Business

lines_of_business is a high-level Carrier capability list. Health insurance and group insurance are outside Fat Agent Standard v1.0. When lines_of_business contains other, line_of_business_description MUST be supplied.

Line of Business	Allowed product_type
`life`	life
`annuity`	annuity
`long_term_care`	long_term_care
`disability`	disability
`personal_auto`	personal_auto
`property`	property
`personal_umbrella`	personal_umbrella
`commercial`	commercial
`other`	other

Validation Rules

carrier_id, legal_name, and status MUST be supplied.
When an enum value is other, the companion {field}_description field is required and MUST be a non-empty string. That companion field MUST NOT be set unless the enum value is other.
naic_company_code and naic_group_code MUST be strings so leading zeros are preserved.
An NAIC company code identifies an individual regulated company. An NAIC group code identifies a group. Do not interchange them.
Distinct issuing or risk-bearing legal insurance entities SHOULD have distinct Carrier objects.
brand_name MAY be shared by multiple Carrier objects.
parent_carrier_id and parent_organization_id do not replace regulatory identifiers.
Carrier-level jurisdictions do not imply that every Product is available in every listed jurisdiction.
Carrier-level jurisdictions do not imply that a Producer is licensed or appointed.
Carrier MUST NOT embed Product objects. Product references Carrier using carrier_id.
Carrier contact addresses reference Address objects instead of duplicating address fields.
External references MAY identify the Carrier in external systems but MUST NOT contain proprietary Adapter Layer mapping logic.
Carrier MUST NOT contain rates, quote calculations, rating tables, underwriting answers, or product-specific configuration.
Health insurance and group insurance MUST NOT appear on Carrier.
Regulatory information SHOULD preserve the source value and MUST NOT be inferred when unknown.

{
  "carrier_id": "carrier_100",
  "legal_name": "Example Life Insurance Company of North America",
  "brand_name": "Example Life",
  "carrier_type": "insurance_company",
  "status": "active",
  "naic_company_code": "12345",
  "naic_group_code": "0123",
  "naic_group_name": "Example Insurance Group",
  "domiciliary_state": "US-MN",
  "country": "US",
  "parent_organization_id": "org_example_group",
  "lines_of_business": [
    "life",
    "annuity"
  ],
  "jurisdictions": [
    "US-OH",
    "US-IN",
    "US-FL",
    "US-TX"
  ],
  "website": "https://example.com",
  "phones": [
    {
      "type": "producer_service",
      "number": "8005550100"
    }
  ],
  "addresses": [
    {
      "address_id": "addr_carrier_100",
      "type": "headquarters"
    }
  ],
  "external_references": [
    {
      "system": "carrier_api",
      "reference_id": "EXLIFE",
      "reference_type": "carrier_identifier"
    }
  ]
}

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