Contracting

Represents the standardized transaction and data required to establish, change, renew, or terminate a producer or agency's contractual relationship and selling authority with an insurance carrier.

One Contracting object is one contracting case. It identifies who is seeking authority with which Carrier, what was requested, and what the Carrier decided. It does not submit contracts, run e-signature, or calculate commissions.

Identity

contracting_id, contracting_type, and status are required. One Producer / Agency MAY have multiple Contracting records over time or with different carriers. Dates MUST use YYYY-MM-DD.

Field	Type	Required	Description
`contracting_id`	string	Yes	Unique Fat Agent Standard identifier for the contracting transaction
`contracting_type`	enum	Yes	Kind of contracting transaction Allowed: new_contract, additional_appointment, additional_line, additional_product, hierarchy_change, compensation_change, reactivation, renewal, termination, other
`contracting_type_description`	string	Yes*	Custom value when contracting_type is other. Required when contracting_type is other. MUST NOT be set otherwise.
`status`	enum	Yes	Current contracting case status Allowed: draft, in_progress, ready_to_submit, submitted, received, under_review, requirements_outstanding, approved, approved_with_conditions, declined, withdrawn, completed, terminated, other
`status_description`	string	Yes*	Custom value when status is other. Required when status is other. MUST NOT be set otherwise.
`created_date`	string (date)	No	Date the contracting case was created
`submitted_date`	string (date)	No	Date the contracting case was submitted
`completed_date`	string (date)	No	Date the contracting case was completed

Parties

producer_agency_id and carrier_id are required. Do not embed Producer / Agency or Carrier. submitting_organization_id is the organization facilitating the case. It is not necessarily the producer being contracted.

Field	Type	Required	Description
producer_agency_id	string	Yes	Producer / Agency being contracted
carrier_id	string	Yes	Carrier with which authority is being requested
submitting_organization_id	string	No	Organization submitting or facilitating the case

Requested Authority

Requested Authority describes what the Producer / Agency is asking the Carrier to authorize. Jurisdictions do not prove licensing or appointment. product_ids allow contracting at a specific Product level when the carrier uses that model.

Field	Type	Required	Description
`jurisdictions`	array[string]	No	Requested jurisdictions. U.S. states SHOULD use ISO 3166-2 such as US-OH.
`lines_of_business`	array[enum]	No	Requested Fat Agent Standard lines 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.
`product_ids`	array[string]	No	Optional Product identifiers when contracting is product-specific

Hierarchy

Hierarchy identifies where the producer sits for this case. hierarchy_level is a string because carrier naming varies. Hierarchy does not define commission percentages or override mathematics.

Field	Type	Required	Description
upline_producer_agency_id	string	No	Immediate upline Producer / Agency for this case
`hierarchy_level`	string	No	Carrier or distribution hierarchy level
`carrier_hierarchy_code`	string	No	Optional carrier-assigned hierarchy identifier

Compensation

Compensation identifies the requested or agreed arrangement. It does not calculate commissions. Rates, schedules, advances, chargebacks, overrides, vesting, and payment calculations are outside Contracting v1.0.

Field	Type	Required	Description
`compensation_level`	string	No	Carrier or distribution compensation level identifier
`commission_schedule_id`	string	No	Optional reference to a commission schedule maintained outside this object
`assignment_type`	enum	No	How compensation is assigned Allowed: direct, assigned, split, other
`assignment_type_description`	string	Yes*	Custom value when assignment_type is other. Required when assignment_type is other. MUST NOT be set otherwise.

Requirements

requirements[] are items needed to complete the case. document_id MAY reference Document / Evidence when a document satisfies the requirement.

Field	Type	Required	Description
`requirement_id`	string	Yes*	Unique requirement identifier
`requirement_type`	enum	Yes*	Kind of requirement Allowed: producer_information, agency_information, license_verification, appointment_request, background_check, aml_training, product_training, state_training, e_and_o, w9, eft_banking, voided_check, business_entity_documents, ownership_information, hierarchy_approval, commission_assignment, carrier_agreement, disclosure, signature, document, other
`requirement_type_description`	string	Yes*	Custom value when requirement_type is other. Required when requirement_type is other. MUST NOT be set otherwise.
`status`	enum	Yes*	Requirement status Allowed: required, requested, pending, received, reviewed, accepted, rejected, waived, not_applicable, other
`status_description`	string	Yes*	Custom value when status is other. Required when status is other. MUST NOT be set otherwise.
`requested_date`	string (date)	No	Date the requirement was requested
`received_date`	string (date)	No	Date the requirement was received
`reviewed_date`	string (date)	No	Date the requirement was reviewed
`document_id`	string	No	Document or evidence that satisfies the requirement
`notes`	string	No	Optional notes

Compliance

Compliance summarizes major contracting compliance items. It does not replace licenses, training certificates, requirements, or the carrier decision.

Field	Type	Required	Description
`background_check_status`	enum	No	Status of required background review Allowed: not_required, not_started, pending, current, expired, failed, waived, other
`background_check_status_description`	string	Yes*	Custom value when background_check_status is other. Required when background_check_status is other. MUST NOT be set otherwise.
`aml_status`	enum	No	Anti-Money Laundering training or compliance status Allowed: not_required, not_started, pending, current, expired, failed, waived, other
`aml_status_description`	string	Yes*	Custom value when aml_status is other. Required when aml_status is other. MUST NOT be set otherwise.
`e_and_o_status`	enum	No	Errors and Omissions insurance requirement status Allowed: not_required, not_started, pending, current, expired, failed, waived, other
`e_and_o_status_description`	string	Yes*	Custom value when e_and_o_status is other. Required when e_and_o_status is other. MUST NOT be set otherwise.
`training_status`	enum	No	Overall required training status Allowed: not_required, not_started, pending, current, expired, failed, waived, other
`training_status_description`	string	Yes*	Custom value when training_status is other. Required when training_status is other. MUST NOT be set otherwise.
`suitability_status`	enum	No	Suitability-related qualification status Allowed: not_required, not_started, pending, current, expired, failed, waived, other
`suitability_status_description`	string	Yes*	Custom value when suitability_status is other. Required when suitability_status is other. MUST NOT be set otherwise.

Agreements

agreements[] record agreement or signature state. The Standard does not perform e-signature.

Field	Type	Required	Description
`agreement_id`	string	Yes*	Unique agreement identifier
`agreement_type`	enum	Yes*	Kind of agreement Allowed: producer_agreement, agency_agreement, carrier_contract, commission_agreement, assignment_agreement, privacy_agreement, business_associate_agreement, disclosure, other
`agreement_type_description`	string	Yes*	Custom value when agreement_type is other. Required when agreement_type is other. MUST NOT be set otherwise.
`document_id`	string	No	Document containing the agreement
`signature_status`	enum	Yes*	Signature state Allowed: not_required, not_sent, sent, viewed, signed, declined, expired, other
`signature_status_description`	string	Yes*	Custom value when signature_status is other. Required when signature_status is other. MUST NOT be set otherwise.
`signed_date`	string (date)	No	Date the agreement was signed

Carrier Decision

carrier_decision records the Carrier's decision. reason_codes are carrier or system strings. producer_code and agency_code MAY later update Producer / Agency appointments.

Field	Type	Required	Description
`decision`	enum	Yes*	Carrier decision on the contracting request Allowed: pending, approved, approved_with_conditions, declined, withdrawn, terminated, other
`decision_description`	string	Yes*	Custom value when decision is other. Required when decision is other. MUST NOT be set otherwise.
`decision_date`	string (date)	No	Date of the decision
`effective_date`	string (date)	No	Date the decision becomes effective
`reason_codes`	array[string]	No	Carrier or system reason codes
`producer_code`	string	No	Carrier-assigned producer identifier resulting from contracting
`agency_code`	string	No	Carrier-assigned agency identifier resulting from contracting
`notes`	string	No	Optional decision notes

Appointments

appointments[] are jurisdictional appointment results for this case. Producer / Agency stores the reusable current appointment relationship. Systems are not required to synchronize automatically.

Field	Type	Required	Description
`appointment_id`	string	Yes*	Unique appointment result identifier
`jurisdiction`	string	Yes*	Appointment jurisdiction. Use ISO 3166-2 such as US-OH when applicable.
`status`	enum	Yes*	Appointment result status Allowed: pending, active, inactive, terminated, not_required, declined, other
`status_description`	string	Yes*	Custom value when status is other. Required when status is other. MUST NOT be set otherwise.
`appointment_date`	string (date)	No	Date the appointment became effective
`termination_date`	string (date)	No	Date the appointment terminated
`lines_of_business`	array[enum]	No	Fat Agent Standard lines on the appointment result 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.

External References

external_references preserve case or transaction IDs from carrier platforms, e-sign, licensing providers, and Fat Agent workflow. They MUST NOT contain proprietary integration 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

Contracting Types

contracting_type describes the kind of authority or relationship change being requested.

Line of Business	Allowed product_type
`new_contract`	Establish a new producer/agency relationship with a Carrier
`additional_appointment`	Request additional jurisdictional appointment or authority
`additional_line`	Add a line of business
`additional_product`	Add authority for a specific Product
`hierarchy_change`	Change upline or distribution hierarchy
`compensation_change`	Change the applicable compensation level or schedule
`reactivation`	Restore a previously inactive or terminated relationship
`renewal`	Renew a contractual relationship when the carrier requires renewal
`termination`	End the contractual relationship or authority
`other`	Requires contracting_type_description

Lines of Business

Requested and appointment lines use Fat Agent Standard product lines. Health insurance and group insurance are outside Fat Agent Standard v1.0.

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

contracting_id, contracting_type, status, producer_agency_id, and carrier_id 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.
One Contracting object represents one contracting transaction or case.
A Producer / Agency MAY have multiple Contracting records with the same Carrier over time.
Contracting references Producer / Agency and Carrier rather than duplicating those objects.
Requested jurisdictions describe the authority being requested. They do not prove licensing or appointment.
Requested lines and products describe requested selling authority. Product definitions remain separate.
Hierarchy identifies distribution relationships for the contracting transaction.
Compensation fields identify the applicable or requested arrangement but do not calculate commissions.
Commission rates, schedules, advances, chargebacks, overrides, vesting, and payment calculations are outside Contracting v1.0.
Requirements MAY reference Document / Evidence.
Compliance statuses summarize major contracting compliance items and do not replace source evidence.
Agreements record agreement or signature state. The Standard does not perform e-signature.
Carrier Decision records the Carrier's contracting decision.
Appointment results MAY be used to populate or update reusable appointment data in Producer / Agency.
Carrier producer and agency codes returned through contracting MAY be reused in Producer / Agency carrier appointments.
External references preserve external case or transaction identifiers without embedding proprietary integration logic.
Proprietary carrier API mappings, credentials, automation, routing, and submission logic remain outside the Standard.
Health insurance remains outside Fat Agent Standard v1.0 product scope.
Dates MUST use ISO 8601 date format (YYYY-MM-DD).

{
  "contracting_id": "contract_100",
  "contracting_type": "new_contract",
  "status": "requirements_outstanding",
  "created_date": "2026-09-17",
  "submitted_date": "2026-09-18",
  "producer_agency_id": "prod_100",
  "carrier_id": "carrier_100",
  "submitting_organization_id": "org_imo_100",
  "requested_authority": {
    "jurisdictions": [
      "US-OH",
      "US-IN",
      "US-FL"
    ],
    "lines_of_business": [
      "life",
      "annuity"
    ],
    "product_ids": [
      "prod_iul_100",
      "prod_fia_100"
    ]
  },
  "hierarchy": {
    "upline_producer_agency_id": "agency_imo_100",
    "hierarchy_level": "Level 51",
    "carrier_hierarchy_code": "HIER-51"
  },
  "compensation": {
    "compensation_level": "120",
    "commission_schedule_id": "comm_sched_120",
    "assignment_type": "direct"
  },
  "requirements": [
    {
      "requirement_id": "req_100",
      "requirement_type": "license_verification",
      "status": "accepted",
      "received_date": "2026-09-18"
    },
    {
      "requirement_id": "req_101",
      "requirement_type": "aml_training",
      "status": "accepted",
      "document_id": "doc_aml_100"
    },
    {
      "requirement_id": "req_102",
      "requirement_type": "e_and_o",
      "status": "pending"
    }
  ],
  "compliance": {
    "background_check_status": "current",
    "aml_status": "current",
    "e_and_o_status": "pending",
    "training_status": "current",
    "suitability_status": "current"
  },
  "agreements": [
    {
      "agreement_id": "agreement_100",
      "agreement_type": "producer_agreement",
      "document_id": "doc_contract_100",
      "signature_status": "signed",
      "signed_date": "2026-09-18"
    }
  ],
  "carrier_decision": {
    "decision": "pending"
  },
  "appointments": [
    {
      "appointment_id": "appt_result_oh",
      "jurisdiction": "US-OH",
      "status": "pending",
      "lines_of_business": [
        "life",
        "annuity"
      ]
    }
  ],
  "external_references": [
    {
      "system": "carrier_contracting_platform",
      "reference_id": "CASE-827361",
      "reference_type": "contracting_case_id"
    }
  ]
}

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