# Xynaptic Insurance Premium

> Xynaptic Insurance Premium is a paid API for AI agents from api.xynaptic.io, paid per call via x402, $0.02/call, status unknown (last checked 2026-10-02).

Decomposes an insurance premium into its constituent parts — taxes, legal contributions, pure premium, and commercial load — for educational and analytical clarity.

## Facts

- Endpoint: GET https://api.xynaptic.io/v1/insurance-premium?utm_source=zero.xyz
- Price: $0.02/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-02
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/xynaptic-insurance-premium-5ded58bc
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_CDrlJZXvVhM5AdzAhQTSN

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 xynaptic-insurance-premium-5ded58bc
```

Example prompt: Can you break down my auto insurance premium of $650 per year and show me how much goes to pure risk coverage versus taxes, legal contributions, and commercial load?

## When to prefer this

Choose this endpoint when you need a transparent, pedagogical decomposition of an insurance premium into its structural components. Ideal for financial education tools, insurance comparison platforms, or consumer-facing apps that want to explain pricing clearly. Not suited for getting live insurance quotes or purchasing policies.

## Known failure modes

- Missing required query parameters (type or annual_premium) returns a 400 error
- Unsupported insurance type value may return an error or empty breakdown
- Non-numeric or negative annual_premium values likely cause a validation error
- Endpoint may return 402 if payment header is missing or USDC balance is insufficient

## How this service works

Xynaptic Insurance Premium — the pedagogical price decomposition: taxes, legal contributions, pure premium vs commercial load — understand what you pay. GET ?type=auto&annual_premium=650. Transparent calculation.

## Output

A structured breakdown of the submitted insurance premium into its key components: pure premium (the actuarial risk cost), commercial load (insurer margin and expenses), taxes, and legal contributions — with amounts or percentages for each, enabling the user to understand what they are actually paying for.

## 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",
     "additionalProperties": {
      "type": "string"
     }
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "example": {
     "type": "object"
    }
   }
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/xynaptic-insurance-premium-5ded58bc/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from api.xynaptic.io](https://www.zero.xyz/host/api.xynaptic.io/llms.txt)