# InsurePulse Prompt-Pay Demand Letter Generator

> InsurePulse Prompt-Pay Demand Letter Generator is a paid API for AI agents from insurepulse.vercel.app, paid per call via x402, $2/call, status unknown (last checked 2026-09-13).

Generates a citation-locked, state-specific late-claim interest demand letter with verbatim statutory quotes, day-count math, and pre-suit notice compliance for TX, FL, NY, AZ, GA, and CA.

## Facts

- Endpoint: GET https://insurepulse.vercel.app/api/insure/prompt-pay-letter
- Price: $2/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-13
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/insurepulse-prompt-pay-demand-letter-generator-bad10ebb
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_KaTwY7H0RkbC4NP6XkdeB

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-prompt-pay-demand-letter-generator-bad10ebb
```

Example prompt: My Texas homeowners insurer finally paid my hail damage claim after 87 days from the notice date — can you draft a §542A.003 pre-suit demand letter citing the 18% statutory interest rate with the exact day-count math so I can send it before filing a DOI complaint?

## When to prefer this

Choose this endpoint when a policyholder needs a jurisdiction-specific, citation-locked demand letter for insurer late payment — especially when exact statutory interest math, verbatim quotes, and pre-suit notice compliance (TX §542A.003) are required. Prefer over generic legal-letter generators when working in TX, FL, NY, AZ, GA, or CA and needing state-accurate interest rate tables and DOI complaint language built in.

## Known failure modes

- Unsupported jurisdiction — only TX, FL, NY, AZ, GA, CA are supported; other states return a refusal or partial letter
- Missing notice date or claim dates prevent accurate day-count interest calculation
- Policy type ambiguity may cause incorrect statutory rate selection
- Network or payment failure returns HTTP 402 or 5xx with no letter generated
- Partial input (e.g., no insurer name) produces a letter with placeholder fields

## How this service works

Citation-locked late-claim interest demand letter — the deterministic check plus a demand built on the lane's own day-count math table (TX 18%/prime+5, FL CFO quarterly factors from the notice date, NY no-fault 2%/month, AZ 10%, GA 12%, CA 15% + auto-include penalty). TX weather letters satisfy the §542A.003 pre-suit notice, element by element. Verbatim statutory quotes; the escalation is a free DOI complaint. Honest-no on unsupportable facts.

## Output

A fully drafted demand letter containing: verbatim statutory quotes for the applicable state's prompt-pay law, a day-count math table showing interest accrual (using TX 18%/prime+5, FL CFO quarterly factors, NY 2%/month, AZ 10%, GA 12%, or CA 15% plus penalty as applicable), total interest owed, TX §542A.003 pre-suit notice elements (for Texas weather claims), and a free DOI complaint escalation statement if the demand is ignored. Unsupportable facts are flagged as honest-no rather than fabricated.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "required": [
  "state",
  "claim_type",
  "claim_amount",
  "claim_received_date"
 ],
 "properties": {
  "lang": {
   "type": "string",
   "description": "Letter language (default English)"
  },
  "state": {
   "type": "string",
   "description": "US state code (TX|FL|NY|AZ|GA|CA letter-worthy lanes)"
  },
  "claim_type": {
   "type": "string",
   "description": "property | auto | health | disability | life"
  },
  "claim_amount": {
   "type": "string",
   "description": "USD claim amount"
  },
  "insurer_name": {
   "type": "string",
   "description": "Insurer name for the letter"
  },
  "policyholder_name": {
   "type": "string",
   "description": "Your name (placeholder if omitted)"
  },
  "claim_received_date": {
   "type": "string",
   "description": "YYYY-MM-DD the insurer received the claim"
  }
 }
}
```

## Response schema (JSON Schema)

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

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/insurepulse-prompt-pay-demand-letter-generator-bad10ebb/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)