# Saylor Innovations Insurance Payout Estimator

> Saylor Innovations Insurance Payout Estimator is a paid API for AI agents from saylorinnovations.com, paid per call via x402, $0.01/call, status unknown (last checked 2026-10-30).

Calculates insurance payout estimates given loss amount, deductible, and policy limit, returning covered and uncovered amounts

## Facts

- Endpoint: GET https://saylorinnovations.com/api/insurance/payout?utm_source=zero.xyz
- Price: $0.01/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-30
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/saylor-innovations-insurance-payout-estimator-787470b7
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_i2j2LaE2IpDAwnisEOVdB

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 saylor-innovations-insurance-payout-estimator-787470b7
```

Example prompt: I had a loss of $15,000, my deductible is $2,500, and my policy limit is $100,000 — can you estimate how much my insurance will cover and what I'll have to pay out of pocket?

## When to prefer this

Use this endpoint when you need a fast, deterministic insurance payout calculation from three basic inputs (loss, deductible, policy limit) without needing actuarial tables, policy type specifics, or jurisdiction rules. Ideal for quick estimates in agent workflows, financial planning tools, or claim pre-screening where a formula-based result suffices rather than a full underwriting assessment.

## Known failure modes

- Missing required parameters (loss, deductible, or limit) results in an error
- Non-numeric or negative loss/limit values may return a validation error
- Deductible exceeding the loss amount may return a zero covered payout
- Policy limit lower than loss minus deductible is handled as a cap scenario
- Service unavailability returns a non-200 HTTP status

## How this service works

Insurance payout estimate from loss, deductible and policy limit - covered and uncovered amounts

## Output

Returns a JSON object with the original loss amount, deductible, and policy limit echoed back, along with the calculated covered payout amount, uncovered amount, the formula used for the computation, and a scope note clarifying what the estimate covers and its limitations.

## 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"
     ],
     "type": "string"
    },
    "queryParams": {
     "type": "object",
     "required": [
      "loss",
      "deductible",
      "limit"
     ],
     "properties": {
      "loss": {
       "type": "string",
       "description": "required positive loss amount (query)"
      },
      "limit": {
       "type": "string",
       "description": "required positive policy limit (query)"
      },
      "deductible": {
       "type": "string",
       "description": "required non-negative deductible (query)"
      }
     }
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string",
     "const": "json"
    },
    "example": {
     "type": "object",
     "required": [
      "loss_amount",
      "deductible",
      "policy_limit",
      "covered_payout",
      "scope_note"
     ],
     "properties": {
      "formula": {
       "type": "string",
       "description": "Formula used for the calculation"
      },
      "deductible": {
       "type": "number",
       "description": "Deductible amount"
      },
      "scope_note": {
       "type": "string",
       "description": "What this data covers and what it leaves out"
      },
      "loss_amount": {
       "type": "number",
       "description": "Loss amount"
      },
      "policy_limit": {
       "type": "number",
       "description": "Policy limit"
      },
      "covered_payout": {
       "type": "number",
       "description": "Covered payout"
      },
      "uncovered_amount": {
       "type": "number",
       "description": "Uncovered amount"
      }
     }
    }
   }
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/saylor-innovations-insurance-payout-estimator-787470b7/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from saylorinnovations.com](https://www.zero.xyz/host/saylorinnovations.com/llms.txt)