# InsurePulse Annual Insurance Review

> InsurePulse Annual Insurance Review is a paid API for AI agents from insurepulse.vercel.app, paid per call via x402, $0.15/call, status unknown (last checked 2026-09-14).

Performs a comprehensive annual review of a user's entire insurance portfolio, surfacing coverage gaps, overpayments, bundling opportunities, and life-stage adjustments across any country.

## Facts

- Endpoint: GET https://insurepulse.vercel.app/api/insure/review
- Price: $0.15/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-14
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/insurepulse-annual-insurance-review-52b13df7
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_U7n6KTCZKw7FfM1C-UF4_

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-review-52b13df7
```

Example prompt: Can you do a full annual insurance review across all my policies — home, auto, and life — and tell me if I have any coverage gaps, places I'm overpaying, or bundling savings I'm missing? I'm 38, married with two kids, living in Texas.

## When to prefer this

Use this endpoint when you need a holistic, cross-policy annual insurance review rather than analysis of a single insurance type. It is ideal for personal-finance or insurance agents performing yearly client check-ins, life-event reassessments, or full portfolio audits across multiple policy types and countries.

## Known failure modes

- Incomplete or missing policy details result in partial analysis with lower confidence recommendations
- Unsupported or ambiguous country/region may reduce accuracy of local carrier and regulatory guidance
- Insufficient portfolio data may cause generic rather than personalized recommendations
- API returns 402 if payment of $0.15 USDC is not completed via x402 protocol

## How this service works

Annual insurance review and policy-portfolio check — surfaces coverage gaps, overpayments, bundling savings, and life-stage adjustments across an entire set of policies. Country-aware. For insurance and personal-finance agents, any country.

## Output

Returns a structured report covering identified coverage gaps, overpayment alerts, bundling savings opportunities, and recommended life-stage adjustments across the user's full insurance portfolio, applicable to any country.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "$schema": "https://json-schema.org/draft/2020-12/schema",
 "required": [
  "input"
 ],
 "properties": {
  "input": {
   "type": "object",
   "required": [
    "type",
    "method"
   ],
   "properties": {
    "type": {
     "type": "string",
     "const": "http"
    },
    "method": {
     "enum": [
      "GET",
      "HEAD",
      "DELETE"
     ],
     "type": "string"
    },
    "queryParams": {
     "type": "object",
     "properties": {
      "lang": {
       "type": "string",
       "description": "Response language"
      },
      "country": {
       "type": "string",
       "description": "ISO country code (e.g. US, UK, DE, CA, AU) — tailors norms and benchmark anchors. Default US."
      },
      "policies": {
       "type": "string",
       "description": "Current policies held (e.g. 'auto,home,life,umbrella')"
      },
      "net_worth": {
       "type": "number",
       "description": "Estimated net worth (in local currency) for umbrella/liability sizing"
      },
      "life_stage": {
       "type": "string",
       "description": "Recent life events (e.g. 'new baby', 'home purchase', 'retirement')"
      }
     }
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "errors": {
     "type": "object",
     "description": "Documented error responses, keyed by HTTP status code",
     "additionalProperties": {
      "type": "object",
      "required": [
       "description"
      ],
      "properties": {
       "example": {
        "type": "object"
       },
       "description": {
        "type": "string"
       }
      }
     }
    },
    "example": {
     "type": "object"
    }
   }
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/insurepulse-annual-insurance-review-52b13df7/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)