Agency Matrix review: pricing, downloads and accounting
Agency Matrix is Zywave's browser-based agency management system for personal lines agencies, especially those writing non-standard auto. It holds clients, households, policies, x-dates, documents and agency accounting, with texting and a CRM side for prospects.
It fits agencies with 1 to 50 employees, from one office to several. Zywave quotes it after a demo on two plans, and its TurboRater sends quotes and sold policies straight into the client record.
- Best for
- Personal lines and non-standard auto agencies with 1 to 50 employees
- Lines
- Personal lines
- Price
- Quote only, after a demo
- How it runs
- In a browser, nothing to install
- Carrier downloads
- IVANS retrieved for you. TEAM-UP and AL3 files uploaded by staff
- Accounting
- Payments, sweeps and commissions on both plans. General ledger on Performance
- Contract
- Renews on its own unless you give 60 days' notice
- Demo or trial
- Demo. No free trial
Our take
Agency Matrix suits a personal lines shop that lives on payments, sweeps (premium a carrier drafts from your bank account) and renewals, such as a non-standard auto agency taking premium at the counter. Paired with TurboRater, a sold quote lands in the client file without retyping.
Two things to weigh. The general ledger and custom permissions sit on the higher Performance plan, so price both plans. The contract renews on its own with no way to cancel early, so read the renewal date before you sign.
Pros
- TurboRater quotes and sold policies flow into the client file
- Sweep tracking and reconciliation on both plans
- Two-way texting saved to the client record
- Client portal for policies, ID cards and certificates
- Unlimited document storage
- Runs in a browser with nothing to install
Cons
- No published prices
- General ledger only on the Performance plan
- TEAM-UP and AL3 downloads need a manual upload
- No public API. Custom work needs a statement of work
- Auto-renews, with no cap on renewal increases
Plans and pricing
- How it's priced
- Quote only. Zywave prices the Business or Performance plan after a demo
- Setup and conversion
- A one-time professional services fee, due when you sign. Hours you don't use expire after 6 months
- Smaller setup option
- The Self service package covers activation, one admin user and group training
- Who to ask
- Zywave sales at (855) 454-6100
| Plan | Price | What it adds |
|---|---|---|
| BusinessCore AMS for personal lines shops | Quote only | Clients, policies, ACORD forms, texting, documents, payments, commissions, sweeps and reports |
| PerformanceAgencies that keep their books in the AMS | Quote only | General ledger, direct scanning, custom user permissions and the End-of-Day tab |
Plans from Zywave's Agency Matrix info sheet. TurboRater, the rater that feeds Agency Matrix, is sold separately.
Which plan has it
| Feature | Business | Performance |
|---|---|---|
| Client, policy and x-date records | ||
| ACORD forms | ||
| Texting from the client record | ||
| Unlimited document storage | ||
| Payments, sweeps and commission tracking | ||
| Submissions generator | ||
| Employee time clock | ||
| Direct scanning into the file | ||
| Custom user permissions | ||
| End-of-Day tab, a daily wrap-up of each person's work | ||
| General ledger |
Clients and policies
Agency Matrix holds the client, household, policy, claim, quote and x-date (a prospect's renewal date) records. Tabs on each client cover policies, payments, tasks, notes, attachments, household members, claims and sweeps.
- Client details
- Contact preferences, driver's license data, related accounts and tags
- Custom fields
- Custom policy types and fields on both plans
- Several offices
- Set up each office and report by location
Carrier downloads
- Download routes
- IVANS, the network most carriers use to send downloads, plus TEAM-UP and AL3 files (the carrier download format)
- Policy downloads
- IVANS retrieves them for you. TEAM-UP and AL3 files need a manual upload
- How often
- Daily or nightly after a policy change. Not live
- What updates
- Policy number, effective date, premium, coverages and named insured. You can limit downloads by line
- Commission statements
- Imported from CSV in a separate step
- eDocs
- eDocs and carrier messages arrive separately from policy files
- Unmatched downloads
- Exact matches process on their own. The rest wait in an exception queue for staff
Certificates, ACORD forms and claims
- ACORD forms
- Current ACORD forms, the industry's standard insurance forms, prefilled from agency, client and policy data. Includes state ID cards, supplements and loss notices
- Certificates
- ACORD 25 certificates with saved certificate holders
- Policy changes
- Change requests start from the client record. Endorsements arrive by download
- Claims
- A claims tab on each client, plus ACORD loss notices
- Signing forms
- A built-in typed signature. DocMatrix eSign is a separate Windows license
Rating and quoting
- Rater that connects
- TurboRater, Zywave's personal lines comparative rater, sold separately
- How quotes come in
- Quotes and sold policies move from TurboRater into the client record without retyping. Zywave sets up the bridge
- Website quotes
- TurboRater for Websites sends online quotes into Agency Matrix as leads
Accounting and commissions
On both plans
- Invoices, receipts and payments the agency takes in
- Sweep tracking and reconciliation, for carriers that draft premium from your account
- Bank deposits and reconciliation
- Commission tracking and reconciliation by carrier
- Taxes
General ledger
On Performance only, with financial statements, vendor invoices, checks and accounts payable reports.
- Producer commissions
- Producer splits set up during implementation
- Card payments
- Through Fiserv. Staff enter a payment in Agency Matrix and in the Fiserv portal as separate steps
- Paying carriers
- Agency Matrix records money in. It doesn't send payments to carriers
Documents, email and e-signature
- Storage
- Unlimited on both plans. Performance adds direct scanning
- Outlook files inbound and outbound email to the right client
- Mass email and letters
- Email blasts and letters on both plans
Tasks, texting and phones
- Tasks and renewals
- Tasks, alerts and production dashboards. An x-date view lists upcoming expirations to remarket
- Sales pipeline
- Prospects, quotes and x-dates on the client record
- Texting
- Two-way texting through Twilio, saved to the client, on both plans
- Phones
- Incoming calls open the caller's client record
- Daily work
- An employee time clock, and the End-of-Day tab on Performance
- Reports
- Revenue and commission by producer, retention, staff workload, closing ratios and carrier use. Accounting, sweep and custom reports can run on a schedule
Mobile and client portal
Staff on the go
Agency Matrix runs in a browser, so staff can work from any device with an internet connection.
Clients
A website plugin lets clients you approve view policies and print ID cards and certificates. Zywave Websites offers an agency website with the same portal.
Integrations and API
| Connects to | Type | Direction | What it does |
|---|---|---|---|
| TurboRater | Rater | Into Agency Matrix | Quotes and sold policies, sold separately |
| TurboRater for Websites | Website quoting | Into Agency Matrix | Online quotes arrive as leads |
| IVANS | Carrier downloads | Into Agency Matrix | Policy and endorsement downloads |
| TEAM-UP | Carrier downloads | Into Agency Matrix | Policy downloads |
| Microsoft Outlook | Into Agency Matrix | Files email to the client | |
| Twilio | Texting | Both ways | Texting from the client record |
| Fiserv | Payments | Separate entry | Credit card processing |
| Zywave Websites | Client portal | Out of Agency Matrix | Website portal with policies, ID cards and certificates |
- API
- No public API. Custom integrations need a separate statement of work with Zywave
Hosting and product status
- How it runs
- In a web browser, with no local software
- Uptime
- 99.9%, per Zywave
- Product status
- Current. Zywave sells it as its personal lines AMS beside Partner Platform and BrokerageBuilder
Getting started
Book a demo
Zywave shows the system and quotes a plan and a one-time setup fee.
Sign the order
The services fee is due at signing. Ask your current vendor for a full database backup now.
Convert your data
One import from a backup of your old system, one AL3 file per carrier or a CSV. Which fields carry over depends on your old vendor.
Check it in a test system
You review the converted data before it loads into your live system.
Set up and train
The team sets up users, offices, downloads, commissions and the TurboRater bridge, with one-on-one training.
Zywave plans 10 to 12 weeks. Extra imports, imports over 400 GB, fields outside the data template and fixes asked for more than 60 days after the import cost extra.
Support and training
- Channels
- Phone, chat inside Agency Matrix and the support.zywave.com portal with tickets and callbacks
- Hours
- Monday to Thursday 7:30 a.m. to 6 p.m. Central, Friday until 5 p.m.
- Training
- One-on-one at setup, then live and on-demand courses in Zywave University
Security
How client data is protected
- SOC 2 Type II
- Permissions by role for producers, service staff and admins
- Custom user permissions on Performance
Contract and your data
- Term
- Set in your order under Zywave's Master Subscription Agreement
- Renewal
- Renews for the same length on its own
- Notice
- In writing, at least 60 days before the term ends
- Price changes
- Renewal fees can rise once a year, with no cap
- Canceling early
- Not allowed for convenience. Orders can't be canceled or refunded
- Payment
- Due in 30 days. Late fees are 1.5% a month
- Your data when you leave
- Access ends the day the agreement ends. Customer and policy reports export, and a full data extract is quoted separately
From Zywave's Master Subscription Agreement, checked October 2026.
What users say
Themes that come up most often in public user reviews, as of October 2026.
What users like
- Easy to learn for basic users
- Client information in one place
- Texting clients from the system
- Cloud access
What users dislike
- Outages, glitches and slow screens
- Uneven support
- Few product updates
- Costs to extract data when leaving
- Download corrections and limited carrier coverage
Agency Matrix alternatives
- EZLynxQuote onlyIts own rater with 330+ carriers, built in
- QQCatalystQuote onlyVertafore's browser AMS with a PL Rating bridge
- HawkSoft$99 a seat a monthPublished price and month-to-month terms
- Momentum AMSFrom $119 a monthPublished plans with a CRM and automation built in
- Partner PlatformQuote onlyZywave's system for agencies writing commercial lines
See every option in insurance agency management systems.
Frequently asked questions
How much does Agency Matrix cost?
Zywave quotes it after a demo and publishes no prices. You pay for the Business or Performance plan plus a one-time setup fee due when you sign.
Is Agency Matrix cloud based?
Yes. It runs in a web browser, so there is nothing to install.
Does Agency Matrix download policies from carriers?
Yes. IVANS downloads arrive on their own, while TEAM-UP and AL3 files are uploaded by staff.
Does Agency Matrix work with TurboRater?
Yes. TurboRater is sold separately by Zywave and sends quotes and sold policies into Agency Matrix.
Does Agency Matrix have a general ledger?
Only on the Performance plan. Both plans track payments, sweeps, commissions and taxes.
Can I cancel Agency Matrix early?
No. The agreement renews on its own unless you give written notice at least 60 days before the term ends.
How we researched this review. We based this review on the terms and product pages published by Agency Matrix, reviewed in October 2026, together with our team's experience working with insurance agents and agency owners since 2008.
Corrections
Vendors change their pricing all the time and they don't email us when they do. So if you see a price on here that's gone up, a plan Agency Matrix quit selling or a contract term that reads different now, let us know and send the link to the page where Agency Matrix has it. Somebody here pulls up that page and checks it before we change anything on ours.