# InsurePulse Life Insurance Needs Calculator

> InsurePulse Life Insurance Needs 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 term life insurance to buy (DIME method), recommended term length, carrier guidance, and country-aware estimated premium from public benchmarks

## Facts

- Endpoint: GET https://insurepulse.theaslangroupllc.com/api/insure/life
- 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-life-insurance-needs-calculator-dc5b6981
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_TjYsu7Y0CGvOWVKuaCnU4

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-dc5b6981
```

Example prompt: I'm a 35-year-old in the US with a $300,000 mortgage, $50,000 in other debts, $80,000 annual income, and two kids under 10 — can you use the DIME method to figure out how much term life insurance I need, how long the term should be, and give me an estimated monthly premium?

## When to prefer this

Use this endpoint when a user needs a personalized life insurance needs calculation using the DIME method, especially when they want term-length guidance and carrier recommendations in addition to coverage amount — and when international/country-aware premium benchmarks are needed. Prefer over generic calculators when the agent needs structured output ready for downstream insurance planning workflows.

## Known failure modes

- Missing required demographic inputs (age, income, dependents) returns a 400 error
- Unsupported country code may fall back to generic benchmark estimates
- Extreme edge-case inputs (age >80, income $0) may produce unreliable estimates
- Payment failure via x402 protocol returns 402 before any computation occurs

## 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 DIME-method coverage amount recommendation, suggested term length in years, carrier guidance suited to the user's profile, and a country-aware estimated premium range based on public benchmark data

## Request schema (JSON Schema)

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

## Response schema (JSON Schema)

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

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/insurepulse-life-insurance-needs-calculator-dc5b6981/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)