{"uid":"cap_TjYsu7Y0CGvOWVKuaCnU4","slug":"insurepulse-life-insurance-needs-calculator-dc5b6981","name":"InsurePulse Life Insurance Needs Calculator","description":"Life insurance needs calculator and coverage-amount estimate — how much term life to buy (DIME method), term length, carrier guidance, and a country-aware estimated premium from public benchmarks. For insurance and personal-finance agents, any country.","url":"https://insurepulse.theaslangroupllc.com/api/insure/life?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","properties":{"age":{"type":"integer","description":"Applicant age"},"debt":{"type":"number","description":"Other debt (student loans, auto, credit card) in USD"},"lang":{"type":"string","description":"Response language"},"income":{"type":"number","description":"Annual gross income in USD"},"mortgage":{"type":"number","description":"Remaining mortgage balance in USD"},"situation":{"type":"string","description":"Life situation description (e.g. 'married, 2 kids, dual income')"},"dependents":{"type":"integer","description":"Number of financial dependents"}}}},"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":{"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_sQyxGanRCK9yhTgc9jglK","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 term life insurance to buy (DIME method), recommended term length, carrier guidance, and country-aware estimated premium from public benchmarks","exampleAgentPrompt":"I'm a 35-year-old in the US with a $300,000 mortgage, $50,000 in other debts, $80,000 annual income, and two kids under 10 — can you use the DIME method to figure out how much term life insurance I need, how long the term should be, and give me an estimated monthly premium?","exampleUseCases":[{"title":"Young parent needs family protection plan","prompt":"I just became a parent and want to make sure my family is protected if something happens to me. I have a mortgage, some student loans, and I'm trying to figure out how much term life insurance I actually need and what it might cost me each month."},{"title":"Expat calculating coverage abroad","prompt":"I'm moving to Canada next year for work and want to get term life insurance sorted before I relocate. Can you help me figure out my coverage needs using the DIME method and give me an idea of what premiums might look like in Canada?"},{"title":"Self-employed professional reviewing policy","prompt":"I'm a freelancer with variable income and dependents relying on me. I want to calculate the right amount of term life coverage, understand what term length makes sense for my situation, and see which carriers might be a good fit for someone like me."}],"resultDescription":"Returns a DIME-method coverage amount recommendation, suggested term length in years, carrier guidance suited to the user's profile, and a country-aware estimated premium range based on public benchmark data","failureModes":["Missing required demographic inputs (age, income, dependents) returns a 400 error","Unsupported country code may fall back to generic benchmark estimates","Extreme edge-case inputs (age >80, income $0) may produce unreliable estimates","Payment failure via x402 protocol returns 402 before any computation occurs"],"whenToPreferThis":"Use this endpoint when a user needs a personalized life insurance needs calculation using the DIME method, especially when they want term-length guidance and carrier recommendations in addition to coverage amount — and when international/country-aware premium benchmarks are needed. Prefer over generic calculators when the agent needs structured output ready for downstream insurance planning workflows.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-10-27T18:37:16.796Z","isFirstParty":false,"canonicalSlug":"insurepulse-life-insurance-needs-calculator-dc5b6981"}