{"uid":"cap_QL8c3S4dIAhQedU4eYJ1K","slug":"insurepulse-disability-insurance-analyzer-8dd054a0","name":"InsurePulse Disability Insurance Analyzer","description":"Disability insurance and income-protection calculator — how much coverage to buy, key policy features (own-occupation vs any-occupation), carrier recommendations, and a country-aware estimated premium from public benchmarks. For insurance and personal-finance agents, any country.","url":"https://insurepulse.vercel.app/api/insure/disability","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","properties":{"lang":{"type":"string","description":"Response language"},"income":{"type":"string","description":"Annual income USD"},"occupation":{"type":"string","description":"Occupation"},"employer_ltd":{"type":"string","description":"Existing employer long-term disability (yes/no/details)"}}}},"additionalProperties":false},"output":{"type":"object","required":["type"],"properties":{"type":{"type":"string"},"errors":{"type":"object","description":"Documented error responses, keyed by HTTP status code","additionalProperties":{"type":"object","required":["description"],"properties":{"example":{"type":"object"},"description":{"type":"string"}}}},"example":{"type":"object"}}}}},"responseSchema":null,"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.1","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":"$0.1/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.1","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.1","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_nJuQCpGbapZNhCWi0ALvQ","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.1","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Analyzes disability insurance needs, returns a needs calculator, key policy features, and carrier recommendations for income-protection coverage.","exampleAgentPrompt":"I'm a 38-year-old software engineer earning $150,000 a year with no disability insurance — can you run a disability insurance needs analysis for me and tell me how much coverage I need, what policy features to prioritize, and which carriers to consider?","exampleUseCases":[{"title":"Assess income protection gaps for self-employed","prompt":"I'm a freelance consultant making $120,000 annually with no safety net if I get injured. Can you analyze how much disability insurance I actually need, break down the policy features that matter most for someone like me, and recommend carriers that specialize in self-employed coverage?"},{"title":"Evaluate adequacy of employer group plan","prompt":"My employer provides disability insurance but I'm not sure if it's enough — I make $85,000 and have significant student loans and a mortgage. Can you calculate whether I'm adequately covered, explain what features I should look for in a supplemental individual policy, and show me what gap coverage might cost?"},{"title":"Compare disability needs across life stage","prompt":"I just got promoted to a director role at $180,000 and my family circumstances changed with a new baby. My old disability coverage feels insufficient now. Can you run a fresh needs analysis for my new income level, highlight the policy features that protect high earners, and recommend the best carriers for my situation?"}],"resultDescription":"Returns a disability insurance needs calculator (income replacement amount, benefit period, elimination period), a breakdown of key policy features to look for (own-occupation definition, residual benefits, COLA riders), and a curated list of top carrier recommendations tailored to the user's situation.","failureModes":["Missing or invalid income/occupation inputs may return a generic or incomplete analysis","Service may return 402 if payment header is not provided or USDC payment fails","Carrier recommendations may not reflect real-time underwriting availability in all states","Vercel cold-start latency may cause occasional slow responses"],"whenToPreferThis":"Use this endpoint when a user needs a structured disability insurance needs assessment — especially when they have no existing disability coverage or are unsure whether their employer-provided group policy is sufficient. Prefer this over generic insurance endpoints when the specific risk being addressed is income loss due to disability, not life, health, or property risks.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-15T12:33:27.772Z","isFirstParty":false}