{ "name": "InsurePulse", "description": "AI-synthesized insurance intelligence API. Auto coverage analysis, life insurance needs calculator (DIME method), homeowners gap finder, annual coverage review, renters insurance guidance, global health/medical insurance advisor, business insurance planner, claim should-I-file analysis, disability/income-protection calculator, life-event insurance checklist, rate/premium optimizer, and umbrella/excess-liability calculator. Global: country-aware norms and benchmark anchors. Returns structured JSON. Requires x402 micropayment (USDC on Base mainnet).", "version": "1.0.0", "url": "https://insurepulse.theaslangroupllc.com", "payment": { "protocol": "x402", "network": "eip155:8453", "asset": "USDC", "contract": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913", "payTo": "0x50ab2018c06c6E4eAA9BA52057Eb55eD284912fc", "price_range_usd": "0.08–0.15" }, "capabilities": [ "Auto insurance analysis — coverage adequacy, NAIC complaint ratios, discount stacking, carrier comparison", "Life insurance needs calculator — DIME method, term vs whole analysis, carrier recommendations", "Homeowners insurance gap finder — flood/earthquake exposure, dwelling replacement cost, endorsement guidance", "Annual coverage review — gaps, inflation erosion, overpayments, bundling savings, life stage triggers", "Renters insurance guide — coverage amounts, umbrella policy guidance, carrier comparison", "Health insurance advisor — global public/private system explainer, situation-based guidance, indicative premium estimates, decision framework, common pitfalls, enrollment channels", "Business insurance planner — which policies a small business needs (general liability, BOP, professional liability, workers comp), country-aware cost estimates", "Claim should-I-file analysis — premium-impact tradeoff, documentation checklist, adjuster-negotiation tips", "Disability/income-protection calculator — coverage amount, own-occupation vs any-occupation, carrier recommendations, country-aware premium estimate", "Life-event insurance checklist — prioritized action plan for marriage, new baby, home purchase, job change, divorce, and other major life events", "Rate/premium optimizer — why a policy is expensive and how to lower it, benchmarked against country averages", "Umbrella/excess-liability calculator — whether a household needs it, how much to carry, country-aware estimated annual cost" ], "data_sources": [ "Tavily: carrier rates, NAIC complaint ratios, coverage reviews, market context", "Claude synthesis: structured insurance analysis using actuarial and consumer frameworks" ], "endpoints": [ { "path": "/api/insure/auto", "method": "GET", "description": "Auto insurance profile analysis — coverage adequacy, savings opportunities, carrier comparison", "required_params": [], "optional_params": ["profile", "state", "vehicle", "lang"], "price_usd": 0.10 }, { "path": "/api/insure/life", "method": "GET", "description": "Life insurance needs calculator — DIME method, term vs permanent analysis, carrier guidance", "required_params": [], "optional_params": ["age", "income", "dependents", "mortgage", "debt", "situation", "lang"], "price_usd": 0.10 }, { "path": "/api/insure/home", "method": "GET", "description": "Homeowners insurance gap analysis — dwelling replacement cost, flood/earthquake exposure, endorsements", "required_params": [], "optional_params": ["location", "value", "sqft", "current_coverage", "lang"], "price_usd": 0.10 }, { "path": "/api/insure/review", "method": "GET", "description": "Annual insurance coverage review — gaps, overpayments, inflation erosion, bundling, life stage triggers (country-aware)", "required_params": [], "optional_params": ["policies", "life_stage", "net_worth", "country", "lang"], "price_usd": 0.15 }, { "path": "/api/insure/renters", "method": "GET", "description": "Renters insurance guide — coverage amounts, carrier comparison, umbrella policy guidance", "required_params": [], "optional_params": ["zip", "value", "dog", "net_worth", "lang"], "price_usd": 0.08 }, { "path": "/api/insure/health", "method": "GET", "description": "Global health/medical insurance advisor — how coverage works in the given country, situation implications, indicative premium estimate, decision framework, pitfalls, enrollment channels", "required_params": ["country"], "optional_params": ["situation", "age_range", "priorities", "lang"], "price_usd": 0.15 }, { "path": "/api/insure/business", "method": "GET", "description": "Business insurance coverage planner and cost estimate — exactly which policies a small business needs (general liability, BOP, professional liability, workers comp), country-aware cost estimates from public benchmarks, and where to buy them", "required_params": ["business_type"], "optional_params": ["state", "employees", "revenue", "country", "lang"], "price_usd": 0.10 }, { "path": "/api/insure/claim", "method": "GET", "description": "Insurance claim should-I-file decision and premium-impact analysis — whether to file given the rate hit, plus a documentation checklist and adjuster-negotiation tips (country-aware)", "required_params": ["insurance_type", "situation"], "optional_params": ["damage_estimate", "deductible", "country", "lang"], "price_usd": 0.08 }, { "path": "/api/insure/disability", "method": "GET", "description": "Disability insurance and income-protection calculator — how much coverage to buy, own-occupation vs any-occupation, carrier recommendations, and a country-aware estimated premium", "required_params": [], "optional_params": ["occupation", "income", "employer_ltd", "country", "lang"], "price_usd": 0.10 }, { "path": "/api/insure/life-event", "method": "GET", "description": "Life-event insurance checklist — a prioritized insurance action plan triggered by marriage, a new baby, a home purchase, job change, divorce, or any major life change (country-aware)", "required_params": ["event"], "optional_params": ["details", "country", "lang"], "price_usd": 0.10 }, { "path": "/api/insure/rate", "method": "GET", "description": "Insurance rate optimizer and lower-my-premium plan — explains why a policy is expensive and exactly how to reduce it (discounts, deductible moves, carrier switches), benchmarked against country averages", "required_params": [], "optional_params": ["insurance_type", "state", "current_premium", "profile", "country", "lang"], "price_usd": 0.08 }, { "path": "/api/insure/umbrella", "method": "GET", "description": "Umbrella insurance and excess-liability calculator — whether a household needs it, how much coverage to carry, what it protects, and a country-aware estimated annual cost", "required_params": [], "optional_params": ["net_worth", "owns_home", "teen_drivers", "rental_property", "situation", "country", "lang"], "price_usd": 0.08 } ], "example_queries": [ "GET /api/insure/auto?profile=clean+record+10+years&state=Texas&vehicle=2019+Honda+Civic", "GET /api/insure/life?age=38&income=95000&dependents=2&mortgage=280000&debt=12000", "GET /api/insure/home?location=Austin+TX&value=420000&sqft=1800¤t_coverage=300000", "GET /api/insure/review?policies=auto,home,life&life_stage=new+baby&net_worth=350000&country=US", "GET /api/insure/renters?zip=78701&value=35000&dog=false&net_worth=120000", "GET /api/insure/health?country=US&situation=self-employed&age_range=35-44&priorities=cost", "GET /api/insure/business?business_type=consulting+firm&state=CA&revenue=500000", "GET /api/insure/claim?insurance_type=auto&situation=backed+into+a+parked+car&damage_estimate=3200&deductible=500", "GET /api/insure/disability?occupation=software+engineer&income=110000", "GET /api/insure/life-event?event=new-baby", "GET /api/insure/rate?insurance_type=auto&state=TX¤t_premium=1800", "GET /api/insure/umbrella?net_worth=750000&owns_home=yes&teen_drivers=yes" ], "network": "PulseNetwork", "sibling_apis": [ { "name": "WealthPulse", "url": "https://wealthpulse-phi.vercel.app", "relevance": "Financial health, debt payoff, retirement planning" }, { "name": "PropPulse", "url": "https://proppulse-gules.vercel.app", "relevance": "Home buying decisions, mortgage analysis" }, { "name": "RiskPulse", "url": "https://riskpulse-five.vercel.app", "relevance": "International travel insurance, expat coverage" } ], "openapi": "https://insurepulse.theaslangroupllc.com/openapi.json", "llms_txt": "https://insurepulse.theaslangroupllc.com/llms.txt", "disclaimer": "For informational purposes only. Not a licensed insurance recommendation. Always consult a licensed insurance agent." }