{"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","method":"GET","headers":{},"bodySchema":{"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)"}}},"responseSchema":{"type":"json","example":{}},"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_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":"2026-09-14T00:35:46.088Z","isFirstParty":false}