specification: FinOps Framework
specificationVersion: '1.0'
schema: https://www.finops.org/framework/
provider: TurboRater
providerId: turborater
created: '2026-07-10'
modified: '2026-07-10'
reconciled: false
tags:
- Insurance
- Comparative Rating
- Real-Time Rating
- ITC
- Zywave
- FinOps
- Cost Management
- FOCUS
description: >-
  FinOps view of TurboRater (ITC / Zywave) spend. TurboRater is sold as a
  subscription, and the rating API is provisioned to partners under a
  subscription plus, where applicable, quote-volume terms negotiated with
  ITC/Zywave sales. There is no public self-serve price and no published
  per-quote rate, so cost visibility comes from the partner contract rather than
  a metered usage dashboard. The dominant cost drivers are the base subscription,
  the number of lines/states/carrier connections enabled, and, for API partners,
  integration and comparative-quote volume.
notes: >-
  Per-unit and per-quote rates are contact-sales and not reconciled here. Model
  spend from the ITC/Zywave partner agreement. Endpoints are modeled
  (endpointsModeled=true), not published.
sources:
- https://www.zywave.com/sales-cloud/turborater/
- https://www.turborater.com/
- https://www.turborater.com/products/rating/features/integration
- https://focus.finops.org/focus-specification/v1-3/
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: Insurance Technologies Corporation (Zywave)
serviceCategory: Insurance Software and Comparative Rating
billingModel:
  pricingCategory: Subscription
  billingFrequency: Monthly
  billingCurrency: USD
  chargeCategories:
  - Purchase
  - Usage
focusColumns:
  ServiceName: TurboRater
  ServiceCategory: Insurance Software and Comparative Rating
  ProviderName: TurboRater
  PublisherName: Insurance Technologies Corporation (Zywave)
  InvoiceIssuerName: Zywave
  BillingCurrency: USD
  ChargeCategory: Purchase
  PricingCategory: Subscription
meters:
- name: subscription
  description: Base TurboRater subscription; contact-sales, driven by products, lines, and states.
  unit: months
  aggregation: sum
  dimensions:
  - account
  - product
- name: carrier_connections
  description: Number of enabled carrier connections/appointments feeding comparative rates.
  unit: connections
  aggregation: max
  dimensions:
  - account
  - carrier
- name: rating_api_quotes
  description: Comparative quote requests made through the rating API by an integration partner.
  unit: quotes
  aggregation: sum
  dimensions:
  - account
  - integration
principles:
- name: Visibility
  description: Because pricing is contract-based, track the base subscription, enabled lines/states/carrier connections, and API quote volume against the ITC/Zywave agreement rather than a usage dashboard.
- name: Allocation
  description: Map subscriptions and API integrations to the agency, brand, or lead-source they serve so cost ties to revenue-producing quoting.
- name: Optimization
  description: Right-size enabled carrier connections and states to those actually quoted; consolidate quoting into TurboRater to avoid duplicate rater subscriptions; negotiate quote-volume terms for high-throughput aggregator use.
- name: Accountability
  description: Assign an owner for the ITC/Zywave relationship; review the subscription and any quote-volume charges each renewal against actual quoting activity.
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com