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InsurePulse Disability Insurance Analyzer
x402
InsurePulse Disability Insurance Analyzer is a paid API for AI agents from insurepulse.vercel.app, paid per call via x402, $0.1/call, status unknown (last checked 2026-09-15).
Analyzes disability insurance needs, returns a needs calculator, key policy features, and carrier recommendations for income-protection coverage.
Price / call$0.1
Success—
StatusUnknown
How this service works
Disability insurance and income-protection calculator — how much coverage to buy, key policy features (own-occupation vs any-occupation), carrier recommendations, and a country-aware estimated premium from public benchmarks. For insurance and personal-finance agents, any country.
Output
Returns a disability insurance needs calculator (income replacement amount, benefit period, elimination period), a breakdown of key policy features to look for (own-occupation definition, residual benefits, COLA riders), and a curated list of top carrier recommendations tailored to the user's situation.
Example use cases
Assess income protection gaps for self-employed
“I'm a freelance consultant making $120,000 annually with no safety net if I get injured. Can you analyze how much disability insurance I actually need, break down the policy features that matter most for someone like me, and recommend carriers that specialize in self-employed coverage?”
Evaluate adequacy of employer group plan
“My employer provides disability insurance but I'm not sure if it's enough — I make $85,000 and have significant student loans and a mortgage. Can you calculate whether I'm adequately covered, explain what features I should look for in a supplemental individual policy, and show me what gap coverage might cost?”
Compare disability needs across life stage
“I just got promoted to a director role at $180,000 and my family circumstances changed with a new baby. My old disability coverage feels insufficient now. Can you run a fresh needs analysis for my new income level, highlight the policy features that protect high earners, and recommend the best carriers for my situation?”
Technical details
Endpoint
GEThttps://insurepulse.vercel.app/api/insure/disabilityWhen to prefer
Use this endpoint when a user needs a structured disability insurance needs assessment — especially when they have no existing disability coverage or are unsure whether their employer-provided group policy is sufficient. Prefer this over generic insurance endpoints when the specific risk being addressed is income loss due to disability, not life, health, or property risks.
Side effects
- Missing or invalid income/occupation inputs may return a generic or incomplete analysis
- Service may return 402 if payment header is not provided or USDC payment fails
- Carrier recommendations may not reflect real-time underwriting availability in all states
- Vercel cold-start latency may cause occasional slow responses
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| inputrequired | object | |
| output | object |
Tags
x402
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