# InsurePulse Prompt-Pay Demand Letter Preview

> InsurePulse Prompt-Pay Demand Letter Preview is a paid API for AI agents from insurepulse.theaslangroupllc.com, paid per call via x402, $0.25/call, status unknown (last checked 2026-09-13).

Checks whether a state prompt-pay statute applies to a claim and computes statutory deadlines, interest, and penalty math (with citations) for TX, FL, NY-PIP, AZ, GA-health, and CA-health — deterministic preview of a full demand letter.

## Facts

- Endpoint: GET https://insurepulse.theaslangroupllc.com/api/insure/prompt-pay-check
- Price: $0.25/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-preview-7936ad1c
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_opfnW5apsN-HLumK6l7e-

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-preview-7936ad1c
```

Example prompt: Check whether Texas prompt-pay law applies to my health insurance claim — the insurer received my claim on March 1, 2024 and finally paid on April 20, 2024 on a $3,200 claim — and compute the statutory deadline, any interest owed, and the penalty with legal citations.

## When to prefer this

Choose this endpoint when you need a deterministic, statute-specific legal computation — not an LLM guess — about whether a prompt-pay law applies and exactly how much interest and penalty is owed. Prefer it over general legal Q&A tools when you need citable day-count math and a penalty formula for TX, FL, NY-PIP, AZ, GA-health, or CA-health insurance claims. It is the right tool when a policyholder is evaluating whether to send a demand letter and wants a credible, citation-backed preview before committing to the full letter product.

## Known failure modes

- Jurisdiction not supported — only TX, FL, NY-PIP, AZ, GA-health, and CA-health are covered; other states return a clear no-support response
- Missing required date or claim amount inputs cause computation to fail
- Facts that cannot be verified or supported return an honest 'no' rather than a fabricated result
- Edge cases where claim type does not qualify under the applicable statute return a clear inapplicability determination

## How this service works

Agent-tier preview of the prompt-pay demand letter: does the statute apply, the statutory deadline computation, and the interest/penalty framework (day-count math, citations) for TX/FL/NY-PIP/AZ/GA-health/CA-health — deterministic, no LLM, same engine the $2 letter wraps. Includes an upsell pointer to the drafted, ready-to-send demand letter. Honest-no on unsupportable facts.

## Output

Returns a deterministic, citation-backed analysis: whether the applicable state prompt-pay statute covers the claim, the exact statutory deadline computed from the claim submission date, day-count math for elapsed time, calculated interest and penalty amounts under the state's formula, and specific statutory citations. Also includes a pointer to purchase the full drafted, ready-to-send demand letter.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "required": [
  "state",
  "claim_type",
  "claim_amount",
  "claim_received_date"
 ],
 "properties": {
  "state": {
   "type": "string",
   "description": "US state code (TX|FL|NY|AZ|GA|CA computed; LA|CO flagged; NJ|WA honest-no)"
  },
  "paid_date": {
   "type": "string",
   "description": "YYYY-MM-DD paid (omit if unpaid)"
  },
  "claim_type": {
   "type": "string",
   "description": "property | auto | health | disability | life"
  },
  "claim_amount": {
   "type": "string",
   "description": "USD claim amount from your records"
  },
  "plan_funding": {
   "type": "string",
   "description": "health: fully_insured | self_funded | government | church | unknown (ERISA gate)"
  },
  "weather_related": {
   "type": "string",
   "description": "TX property: true for hail/wind/hurricane (542A lane)"
  },
  "claim_received_date": {
   "type": "string",
   "description": "YYYY-MM-DD the insurer received the claim/notice/proof of loss"
  }
 }
}
```

## 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-preview-7936ad1c/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)