Fat Agent Standard / Insurance

v1.0

Producer / Agency

Represents the insurance producer or agency participating in the sale, placement, servicing, or administration of insurance business, including standardized identity, licensing, lines of authority, carrier appointments, and carrier producer identifiers.

One Producer / Agency identifies who is selling or servicing the insurance and what authorization they hold. It does not define contracting workflow, compensation, or a Policy-specific producer role.

Identity

producer_agency_id, entity_type, and status are required. Exactly one of person_id or organization_id MUST be supplied. individual_producer MUST reference person_id. Agency and other distribution entities SHOULD reference organization_id. Do not embed Person or Organization. npn SHOULD be supplied when applicable and known. Status describes the Producer / Agency record, not a license or appointment.

Field	Type	Required	Description
`producer_agency_id`	string	Yes	Unique Fat Agent Standard identifier
`entity_type`	enum	Yes	Whether this record is an individual producer or a distribution entity Allowed: individual_producer, agency, brokerage, general_agency, mga, imo, fmo, other
`entity_type_description`	string	Yes*	Custom value when entity_type is other. Required when entity_type is other. MUST NOT be set otherwise.
person_id	string	No	Person referenced by an individual producer. Required when entity_type is individual_producer.
organization_id	string	No	Organization referenced by an agency or other distribution entity
`npn`	string	No	National Producer Number. Store as a string.
`status`	enum	Yes	Overall Producer / Agency record status Allowed: active, inactive, suspended, terminated, pending, other
`status_description`	string	Yes*	Custom value when status is other. Required when status is other. MUST NOT be set otherwise.

Contact — Phones

Contact MAY be supplied when useful. Person and Organization remain the canonical identity objects.

Field	Type	Required	Description
`type`	enum	Yes	Type of Producer / Agency phone number Allowed: business, mobile, 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 Producer / Agency email addresses.

Field Type Required Description

Field	Type	Required	Description
`type`	enum	Yes	Type of Producer / Agency email address Allowed: business, licensing, contracting, commissions, 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 Producer / Agency email address

Allowed: business, licensing, contracting, commissions, 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

Website

Field	Type	Required	Description
`website`	string (URI)	No	Producer or agency website

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	Producer / Agency relationship to the address Allowed: business, mailing, licensing, contracting, 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

Producer / Agency relationship to the address

Allowed: business, mailing, licensing, contracting, other

type_description

string

Yes*

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

Licenses

licenses[] represents insurance licenses held by the producer or agency. One producer MAY have many jurisdictional licenses. lines_of_authority are regulatory classifications and MUST NOT be confused with Product line_of_business. accident_health is a license line of authority, not a Fat Agent Standard product line.

Field	Type	Required	Description
`license_id`	string	Yes*	Unique license identifier
`jurisdiction`	string	Yes*	License jurisdiction. Use ISO 3166-2 such as US-OH when applicable.
`license_number`	string	Yes*	License number. Store as a string.
`license_type`	enum	Yes*	Type of license Allowed: producer, agency, adjuster, surplus_lines, limited_lines, other
`license_type_description`	string	Yes*	Custom value when license_type is other. Required when license_type is other. MUST NOT be set otherwise.
`status`	enum	Yes*	License status Allowed: active, inactive, expired, suspended, revoked, pending, other
`status_description`	string	Yes*	Custom value when status is other. Required when status is other. MUST NOT be set otherwise.
`resident_indicator`	boolean	No	Whether the license is resident
`effective_date`	string (date)	No	License effective date
`expiration_date`	string (date)	No	License expiration date
`lines_of_authority`	array[enum]	Yes*	Regulatory lines of authority on this license Allowed: life, accident_health, variable_life_variable_annuity, property, casualty, personal_lines, surplus_lines, limited_lines, other
`line_of_authority_description`	string	Yes*	Custom value when lines_of_authority contains other. Required when lines_of_authority contains other. MUST NOT be set otherwise.

Carrier Appointments

carrier_appointments[] identifies appointment or authorization with a Carrier. This is not the full contracting workflow. producer_code and agency_code are carrier-assigned identifiers. Appointment lines_of_business use Fat Agent Standard product lines, not license lines of authority.

Field	Type	Required	Description
`appointment_id`	string	Yes*	Unique appointment identifier
carrier_id	string	Yes*	Carrier this appointment is with
`jurisdiction`	string	No	Appointment jurisdiction. Use ISO 3166-2 such as US-OH when applicable.
`status`	enum	Yes*	Appointment status Allowed: pending, active, inactive, terminated, not_required, other
`status_description`	string	Yes*	Custom value when status is other. Required when status is other. MUST NOT be set otherwise.
`producer_code`	string	No	Carrier-assigned producer or agent code
`agency_code`	string	No	Carrier-assigned agency code
`effective_date`	string (date)	No	Appointment effective date
`termination_date`	string (date)	No	Appointment termination date
`lines_of_business`	array[enum]	No	Fat Agent Standard lines covered by the appointment 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.

Relationships

relationships[] identifies distribution hierarchy. It does not define commission percentages, schedules, overrides, vesting, advances, or chargebacks.

Field	Type	Required	Description
related_producer_agency_id	string	Yes*	Related Producer / Agency
`relationship_type`	enum	Yes*	Hierarchy relationship Allowed: member_of, subproducer_of, subagency_of, general_agent_for, mga_for, imo_for, fmo_for, upline, downline, other
`relationship_type_description`	string	Yes*	Custom value when relationship_type is other. Required when relationship_type is other. MUST NOT be set otherwise.
`effective_date`	string (date)	No	Relationship effective date
`termination_date`	string (date)	No	Relationship termination date

External References

external_references preserve identifiers from contracting platforms, AMS, CRM, licensing providers, and carrier portals. They MUST NOT contain 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

License Lines of Authority

lines_of_authority are regulatory classifications. They are intentionally distinct from Product line_of_business. accident_health is available only as a license line of authority. Health insurance remains outside Fat Agent Standard v1.0 product scope.

Line of Business	Allowed product_type
`life`	life
`accident_health`	accident_health
`variable_life_variable_annuity`	variable_life_variable_annuity
`property`	property
`casualty`	casualty
`personal_lines`	personal_lines
`surplus_lines`	surplus_lines
`limited_lines`	limited_lines
`other`	other

Appointment Lines of Business

carrier_appointments[].lines_of_business uses 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

producer_agency_id, entity_type, and status MUST be supplied.
Exactly one of person_id or organization_id MUST be supplied.
individual_producer MUST reference person_id.
Agency and other business distribution entities SHOULD reference organization_id.
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.
NPN and license numbers MUST be strings.
A Producer / Agency MAY hold multiple jurisdictional licenses.
Licensing lines of authority are regulatory classifications and MUST NOT be confused with Product line of business.
Carrier appointments are separate from state licenses.
Carrier appointment records MAY preserve carrier producer_code and agency_code.
Appointment status does not replace a complete future Contracting object or workflow.
Producer hierarchy relationships do not define compensation.
Commission schedules, overrides, vesting, advances, and chargebacks are outside Producer / Agency v1.0.
Transaction-specific producer roles belong on Policy, Application, or Quote relationships rather than permanent producer identity.
Contact addresses reference Address objects.
External references identify records in outside systems but MUST NOT contain integration transformation logic.
Health insurance remains outside Fat Agent Standard v1.0 product scope. accident_health remains available only as a regulatory license line of authority.
Dates MUST use ISO 8601 date format (YYYY-MM-DD).

{
  "producer_agency_id": "prod_100",
  "entity_type": "individual_producer",
  "person_id": "per_100",
  "npn": "12345678",
  "status": "active",
  "phones": [
    {
      "type": "business",
      "number": "6145550100"
    }
  ],
  "emails": [
    {
      "type": "business",
      "address": "agent@example.com"
    }
  ],
  "addresses": [
    {
      "address_id": "addr_100",
      "type": "business"
    }
  ],
  "licenses": [
    {
      "license_id": "lic_oh_100",
      "jurisdiction": "US-OH",
      "license_number": "OH123456",
      "license_type": "producer",
      "status": "active",
      "resident_indicator": true,
      "effective_date": "2020-01-01",
      "expiration_date": "2027-01-31",
      "lines_of_authority": [
        "life",
        "property",
        "casualty"
      ]
    }
  ],
  "carrier_appointments": [
    {
      "appointment_id": "appt_100",
      "carrier_id": "carrier_100",
      "jurisdiction": "US-OH",
      "status": "active",
      "producer_code": "A123456",
      "effective_date": "2026-01-01",
      "lines_of_business": [
        "life",
        "annuity"
      ]
    }
  ],
  "relationships": [
    {
      "related_producer_agency_id": "agency_100",
      "relationship_type": "member_of",
      "effective_date": "2020-01-01"
    }
  ]
}

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