{"uid":"cap_CDrlJZXvVhM5AdzAhQTSN","slug":"xynaptic-insurance-premium-5ded58bc","name":"Xynaptic Insurance Premium","description":"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.","url":"https://api.xynaptic.io/v1/insurance-premium?utm_source=zero.xyz","method":"GET","headers":{},"bodySchema":{"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"}}}}},"responseSchema":null,"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.02","displayCostAsset":"USDC","priceDynamic":false,"priceHint":null,"priceStatus":"priced","priceSource":"probe","requiresHandshake":false,"reviewCount":0,"rating":{"score":"0.00","successRate":"0.00","reviews":0,"stars":null,"state":"unrated"},"availabilityStatus":"unknown","priceObserved":null,"sessionDeposit":null,"pricing":{"kind":"static","summary":"$0.02/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.02","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.02","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_pMlp_2o8-vaftvTC9g59s","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.02","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Decomposes an insurance premium into its constituent parts — taxes, legal contributions, pure premium, and commercial load — for educational and analytical clarity.","exampleAgentPrompt":"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?","exampleUseCases":[{"title":"Personal auto insurance cost transparency","prompt":"I pay $650 a year for auto insurance — can you decompose that premium and show me what portion is pure risk, what's taxes, and what's the insurer's commercial margin?"},{"title":"Comparing insurance cost structures","prompt":"I'm comparing two home insurance quotes and want to understand the pricing structure. Can you break down an annual premium of $1,200 for home insurance into its components — taxes, legal contributions, pure premium, and commercial load?"},{"title":"Financial education on insurance pricing","prompt":"I'm teaching a personal finance class and want a clear example of how a $900 annual auto insurance premium is structured — can you show me the pedagogical breakdown of taxes, pure premium, and commercial fees?"}],"resultDescription":"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.","failureModes":["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"],"whenToPreferThis":"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.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-10-02T18:45:30.680Z","isFirstParty":false,"canonicalSlug":"xynaptic-insurance-premium-5ded58bc"}