specification: FinOps Framework
specificationVersion: '1.0'
schema: https://www.finops.org/framework/
provider: Globe Life
providerId: globe-life
created: '2026-05-04'
# Provenance stamped 2026-08-11: this artifact was written by the API Evangelist
# bulk sweep dated 2026-05-04, not harvested from the provider. See roadmap#35.
method: generated
modified: '2026-05-05'
reconciled: false
tags:
  - FinOps
  - FOCUS
  - Insurance
  - Life Insurance
description: 'FinOps framing for Globe Life: insurance carrier with policyholder-facing premium revenue
  rather than API consumption costs. Not a typical FinOps-billed surface.'
notes: Reconcile only if Globe Life launches a developer-facing platform with consumption pricing.
sources:
  - https://www.globelifeinsurance.com/
alignedWith:
  framework: FinOps Foundation Framework
  frameworkUrl: https://www.finops.org/framework/
  dataSpec: FOCUS
  dataSpecVersion: '1.3'
  dataSpecUrl: https://focus.finops.org/focus-specification/v1-3/
publisherName: Globe Life Inc.
serviceCategory: Insurance
billingModel:
  pricingCategory: Insurance Premium
  billingFrequency: Monthly
  billingCurrency: USD
  chargeCategories:
    - Purchase
    - Refund
    - Adjustment
focusColumns:
  ServiceName: Globe Life
  ServiceCategory: Insurance
  ProviderName: Globe Life
  PublisherName: Globe Life Inc.
  InvoiceIssuerName: Globe Life Inc.
  BillingCurrency: USD
meters:
  - name: policy_premium
    description: Monthly insurance premium charged per active policy
    unit: policy-month
    aggregation: sum
    dimensions:
      - product_line
      - state
  - name: claims_paid
    description: Insurance claim payouts (revenue offset, not API cost)
    unit: claim
    aggregation: sum
principles:
  - name: Visibility
    description: Track active policies and premium ledgers via Globe Life policyholder statements.
  - name: Allocation
    description: For corporate-paid group policies, allocate premium cost to the covered employee population.
  - name: Optimization
    description: Review coverage adequacy and term selection at renewal; consolidate riders where possible.
  - name: Accountability
    description: HR/benefits team owns group-policy spend; individual policyholders own personal premiums.
maintainers:
  - FN: Kin Lane
    email: kin@apievangelist.com