# InsurePulse Annual Insurance Portfolio Audit

> InsurePulse Annual Insurance Portfolio Audit is a paid API for AI agents from insurepulse.vercel.app, paid per call via x402, $0.15/call, status unknown (last checked 2026-09-15).

Performs a comprehensive annual review of an entire insurance policy portfolio, surfacing coverage gaps, overpayments, bundling savings, and life-stage adjustments.

## Facts

- Endpoint: GET https://insurepulse.vercel.app/api/insure/audit
- Price: $0.15/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-15
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/insurepulse-annual-insurance-portfolio-audit-863a27bc
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_vPfZ64J4RGSRU42BDMJ0G

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability insurepulse-annual-insurance-portfolio-audit-863a27bc
```

Example prompt: Can you do a full annual insurance audit across all my policies — home, auto, life, and renters — and tell me where I have coverage gaps, where I'm overpaying, and what adjustments I should make now that we just had a second kid?

## When to prefer this

Use this endpoint when a user wants a holistic, cross-portfolio insurance review rather than analysis of a single policy type. It is the right choice for annual review workflows, major life events prompting a full reassessment, or when an agent needs to identify systemic gaps and savings across all coverage types simultaneously. Prefer single-policy endpoints (auto, home, life, disability) when the user is focused on one specific coverage area.

## Known failure modes

- Incomplete or missing policy data results in partial audit with gaps noted
- Invalid or unrecognized policy types return an error or are skipped
- Insufficient household profile data may limit life-stage recommendations
- Service unavailable or payment failure (402) if USDC payment not properly attached

## How this service works

Annual insurance review for insurance and personal-finance agents. Surfaces coverage gaps, overpayments, bundling savings, and life-stage adjustments across an entire policy portfolio.

## Output

Returns a structured audit report covering: identified coverage gaps by policy type, flagged overpayments and premium inefficiencies, bundling opportunities that could reduce total premium spend, and life-stage-specific coverage adjustments recommended for the household's current situation.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "$schema": "https://json-schema.org/draft/2020-12/schema"
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/insurepulse-annual-insurance-portfolio-audit-863a27bc/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from insurepulse.vercel.app](https://www.zero.xyz/host/insurepulse.vercel.app/llms.txt)