# InsurePulse Disability Insurance Calculator

> InsurePulse Disability Insurance Calculator is a paid API for AI agents from insurepulse.theaslangroupllc.com, paid per call via x402, $0.1/call, status unknown (last checked 2026-09-14).

Calculates how much disability insurance coverage to buy, explains key policy features (own-occupation vs any-occupation), recommends carriers, and provides a country-aware estimated premium from public benchmarks.

## Facts

- Endpoint: GET https://insurepulse.theaslangroupllc.com/api/insure/disability
- Price: $0.1/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-14
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/insurepulse-disability-insurance-calculator-0631cc1f
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_RxRCj3qm83YWxxVMzrjpR

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-calculator-0631cc1f
```

Example prompt: I'm a 38-year-old software engineer in Canada earning $120,000 a year — can you calculate how much disability insurance coverage I need, whether I should get an own-occupation policy, which carriers to consider, and what my estimated monthly premium would be?

## When to prefer this

Use this endpoint when a user needs a personalized disability insurance needs analysis, wants to understand own-occupation vs any-occupation policy distinctions, needs carrier recommendations, or wants a benchmark premium estimate — especially for cross-country use cases. Prefer this over generic insurance information when actionable, quantified coverage guidance is needed.

## Known failure modes

- Missing or invalid income input — calculator cannot produce meaningful coverage recommendation
- Unsupported country or locale — benchmark premium data may be unavailable or approximate
- Occupation not recognized — carrier recommendations or policy-type guidance may be generic
- Ambiguous or conflicting inputs (e.g. inconsistent age and income) — may produce low-confidence estimates
- API payment not processed — returns 402 Payment Required

## 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 recommended disability coverage amount, guidance on own-occupation vs any-occupation policy definitions, carrier recommendations suited to the user's profile and country, and an estimated premium based on publicly available benchmarks — all country-aware.

## Request schema (JSON Schema)

```json
{
 "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)"
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {}
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/insurepulse-disability-insurance-calculator-0631cc1f/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from insurepulse.theaslangroupllc.com](https://www.zero.xyz/host/insurepulse.theaslangroupllc.com/llms.txt)