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InsurePulse Life Insurance Needs Calculator
x402
InsurePulse Life Insurance Needs Calculator 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).
Calculates the right life insurance coverage amount, term length, and carrier guidance for an individual or family
Price / call$0.1
Success—
StatusUnknown
How this service works
Life insurance needs calculator and coverage-amount estimate — how much term life to buy (DIME method), term length, carrier guidance, and a country-aware estimated premium from public benchmarks. For insurance and personal-finance agents, any country.
Output
Returns a recommended coverage amount in dollars, suggested term length in years, policy type guidance (e.g. term vs. whole life), and carrier selection guidance tailored to the individual or family's financial profile and risk factors
Example use cases
Example prompt
“I'm 34 years old, married with two kids, earning $85,000 a year, have a $320,000 mortgage, and my spouse doesn't work — can you calculate how much life insurance coverage I need, what term length makes sense, and which type of carrier I should look at?”
Technical details
Endpoint
GEThttps://insurepulse.vercel.app/api/insure/lifeWhen to prefer
Use this endpoint when an agent needs to compute a personalized life insurance coverage recommendation — coverage amount, term, and carrier direction — based on an individual or family's financial profile. Prefer this over generic financial calculators when the user specifically needs life insurance sizing and policy guidance.
Side effects
- Missing required personal/financial inputs returns an error or incomplete recommendation
- Unusual edge cases (e.g. very high net worth or complex estate) may yield generic guidance
- Carrier recommendations may not reflect real-time underwriting availability or regional restrictions
- API returns 402 if payment of 0.1 USDC is not included in the request
Input
{
"age": 34,
"debts": 50000,
"mortgage": 320000,
"dependents": 2,
"savingsGoal": 100000,
"annualIncome": 85000,
"spouseIncome": 0,
"maritalStatus": "married",
"existingCoverage": 0
}Schema · Request body
| Field | Type | Description |
|---|---|---|
| inputrequired | object | |
| output | object |
Output
{
"benchmark": {
"line": "life",
"unit": "20yr term, $500k, healthy 35yo",
"source": "industry term-life averages",
"country": "US",
"currency": "USD",
"avg_annual": 300,
"key_factors": [
"age",
"health/smoking",
"term length",
"face amount",
"gender"
],
"typical_range": [
150,
700
]
},
"providers": [
{
"url": "https://www.policygenius.com/life-insurance/",
"best_for": "Full carrier comparison with live quotes in minutes; licensed agents for complex cases",
"provider": "Policygenius",
"description": "Compare 12+ life insurance carriers side-by-side — term, whole, and universal",
"commission_note": "May earn a referral fee"
},
{
"url": "https://www.ethoslife.com",
"best_for": "Quick, no-exam term life up to $2M; ages 20-65",
"provider": "Ethos Life",
"description": "Fast online term life insurance — approval in minutes with no medical exam for many applicants",
"commission_note": ""
},
{
"url": "https://havenlife.com",
"best_for": "Healthy applicants under 60 wanting top-rated carrier with fast approval",
"provider": "Haven Life (MassMutual)",
"description": "A+ rated instant-decision term life insurance up to $3M",
"commission_note": ""
}
],
"disclaimer": "For informational purposes only. Not a licensed insurance recommendation.",
"action_plan": [
"Provide annual income so DIME income-replacement component can be fully calculated — current estimate is conservative.",
"Apply for $750K 25-year term now; locks in low age-34 rates before health changes.",
"Compare at least 3 carriers via Policygenius or SelectQuote to find best underwriting fit.",
"Name and review beneficiaries carefully; store policy docs in a fireproof lockbox (Amazon: SentrySafe SFW123GDC).",
"Reassess coverage in 5 years or after major life changes (income growth, new dependents, home equity)."
],
"generated_at": "2026-07-01T04:28:56.459Z",
"cost_estimate": {
"note": "Income unknown; coverage floored at mortgage + education. Add 10–12× income when known. Estimate based on public benchmarks — not a quote. Smoker/poor health can 2–4× premiums.",
"monthly_premium_range_term": "$30–$55/month for healthy 34yo, $750K 25-yr term"
},
"coverage_analysis": {
"dime_calculation": {
"debt": 0,
"mortgage": 320000,
"education": 220000,
"total_recommended": 540000,
"income_replacement": 0
},
"income_rule_estimate": 0,
"recommended_coverage": 750000,
"recommended_term_years": 25,
"policy_type_recommendation": "term"
},
"network_referrals": [
{
"url": "https://wealthpulse-phi.vercel.app/api/wealth/snapshot",
"why": "Fit insurance into a financial plan",
"price": "$0.10",
"vertical": "WealthPulse"
},
{
"url": "https://clear-care-pulse.vercel.app/api/care/oop",
"why": "Out-of-pocket health cost estimate",
"price": "$0.10",
"vertical": "ClearCarePulse"
},
{
"url": "https://autopulse-navy.vercel.app/api/auto/value",
"why": "Vehicle value for coverage",
"price": "$0.10",
"vertical": "AutoPulse"
}
],
"carrier_recommendations": [
{
"url": "https://havenlife.com",
"why": "Instant-issue term, competitive rates, A++ rated, ideal for healthy 34yo.",
"carrier": "Haven Life (MassMutual)"
},
{
"url": "https://www.protective.com",
"why": "Among lowest term premiums nationally; strong financial ratings.",
"carrier": "Protective Life"
},
{
"url": "https://www.lgamerica.com",
"why": "Consistently competitive term pricing; A+ AM Best rated.",
"carrier": "Banner Life"
},
{
"url": "https://www.policygenius.com",
"why": "Compare 12+ carriers instantly; no-exam options available.",
"carrier": "Policygenius (broker)"
},
{
"url": "https://eapps.naic.org/cis",
"why": "Verify carrier complaint ratios before buying.",
"carrier": "NAIC Complaint Check"
}
]
}Tags
x402
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