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An agency management system (AMS) is designed to help insurance agencies manage their business. These systems provide a single location for customer data across insurers as well as financial and operational information across insurers. Agents can directly download commission information from the carriers and obtain useful reports on profit, cash flow, accounts receivable, payroll and payables. In addition to back-office features, agency management systems provide customer relationship management and marketing automation capabilities to help agents enhance relationships with clients and prospects.