# InsurePulse Life Insurance Needs Calculator

> 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

## Facts

- Endpoint: GET https://insurepulse.vercel.app/api/insure/life
- 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-life-insurance-needs-calculator-5b34680d
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_C78c1d0r06C4VfOVKV7Zp

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-life-insurance-needs-calculator-5b34680d
```

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?

## When to prefer this

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.

## Known failure modes

- 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

## 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 request

```json
{
 "age": 34,
 "debts": 50000,
 "mortgage": 320000,
 "dependents": 2,
 "savingsGoal": 100000,
 "annualIncome": 85000,
 "spouseIncome": 0,
 "maritalStatus": "married",
 "existingCoverage": 0
}
```

## 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": {
      "age": {
       "type": "integer",
       "description": "Applicant age"
      },
      "debt": {
       "type": "number",
       "description": "Other debt (student loans, auto, credit card) in USD"
      },
      "lang": {
       "type": "string",
       "description": "Response language"
      },
      "income": {
       "type": "number",
       "description": "Annual gross income in USD"
      },
      "mortgage": {
       "type": "number",
       "description": "Remaining mortgage balance in USD"
      },
      "situation": {
       "type": "string",
       "description": "Life situation description (e.g. 'married, 2 kids, dual income')"
      },
      "dependents": {
       "type": "integer",
       "description": "Number of financial dependents"
      }
     }
    }
   },
   "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-life-insurance-needs-calculator-5b34680d/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)