{"uid":"cap_RxRCj3qm83YWxxVMzrjpR","slug":"insurepulse-disability-insurance-calculator-0631cc1f","name":"InsurePulse Disability Insurance Calculator","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.theaslangroupllc.com/api/insure/disability?utm_source=zero.xyz","method":"GET","headers":{},"bodySchema":{"type":"object","properties":{"properties":{"type":"string"}}},"responseSchema":{"type":"json","errors":{"400":{"example":{"error":"invalid request"},"description":"Invalid or missing parameter(s). Returned before the payment gate on paid requests, so a malformed call is never charged. JSON body: { error: <what is wrong and how to fix it> } plus usage hints."},"402":{"description":"Payment required — x402 v2 challenge; the accepts array lists scheme, network, and amount. Retry the same request with a PAYMENT-SIGNATURE (v2) or X-PAYMENT (v1) header. Verification is free."},"500":{"example":{"error":"upstream_failed"},"description":"Unexpected server error. If a payment settled without a usable result, contact info@theaslangroupllc.com with the settlement tx hash for a re-run or credit."}}},"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":{"p10Cents":"10.0000","medianCents":"10.0000","p90Cents":"10.0000","minCents":"10.0000","maxCents":"10.0000","p95Cents":"10.0000","sampleCount":1,"varies":false,"failureChargeRate":1},"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_ijOJvyQkjmZpOjqT-E1rE","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":"Calculates how much disability insurance coverage to buy, explains key policy features (own-occupation vs any-occupation), recommends carriers, and provides a country-aware estimated premium from public benchmarks.","exampleAgentPrompt":"I'm a 38-year-old software engineer in Canada earning $120,000 a year — can you calculate how much disability insurance coverage I need, whether I should get an own-occupation policy, which carriers to consider, and what my estimated monthly premium would be?","exampleUseCases":null,"resultDescription":"Returns a recommended disability coverage amount, guidance on own-occupation vs any-occupation policy definitions, carrier recommendations suited to the user's profile and country, and an estimated premium based on publicly available benchmarks — all country-aware.","failureModes":["Missing or invalid income input — calculator cannot produce meaningful coverage recommendation","Unsupported country or locale — benchmark premium data may be unavailable or approximate","Occupation not recognized — carrier recommendations or policy-type guidance may be generic","Ambiguous or conflicting inputs (e.g. inconsistent age and income) — may produce low-confidence estimates","API payment not processed — returns 402 Payment Required"],"whenToPreferThis":"Use this endpoint when a user needs a personalized disability insurance needs analysis, wants to understand own-occupation vs any-occupation policy distinctions, needs carrier recommendations, or wants a benchmark premium estimate — especially for cross-country use cases. Prefer this over generic insurance information when actionable, quantified coverage guidance is needed.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-10-27T19:12:28.419Z","isFirstParty":false,"canonicalSlug":"insurepulse-disability-insurance-calculator-0631cc1f"}