# InsurePulse Disability Insurance Analyzer

> 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.

## Facts

- Endpoint: GET https://insurepulse.vercel.app/api/insure/disability
- Price: $0.1/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-15
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/insurepulse-disability-insurance-analyzer-8dd054a0
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_QL8c3S4dIAhQedU4eYJ1K

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-disability-insurance-analyzer-8dd054a0
```

Example prompt: I'm a 38-year-old software engineer earning $150,000 a year with no disability insurance — can you run a disability insurance needs analysis for me and tell me how much coverage I need, what policy features to prioritize, and which carriers to consider?

## When to prefer this

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.

## Known failure modes

- 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

## 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.

## 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"
      },
      "income": {
       "type": "string",
       "description": "Annual income USD"
      },
      "occupation": {
       "type": "string",
       "description": "Occupation"
      },
      "employer_ltd": {
       "type": "string",
       "description": "Existing employer long-term disability (yes/no/details)"
      }
     }
    }
   },
   "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-disability-insurance-analyzer-8dd054a0/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)