{"uid":"cap_vPfZ64J4RGSRU42BDMJ0G","slug":"insurepulse-annual-insurance-portfolio-audit-863a27bc","name":"InsurePulse Annual Insurance Portfolio Audit","description":"Annual insurance review for insurance and personal-finance agents. Surfaces coverage gaps, overpayments, bundling savings, and life-stage adjustments across an entire policy portfolio.","url":"https://insurepulse.vercel.app/api/insure/audit","method":"GET","headers":{},"bodySchema":{"type":"object","$schema":"https://json-schema.org/draft/2020-12/schema"},"responseSchema":null,"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.15","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":"$0.15/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.15","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.15","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_TPUCM_6eq_ys3MX36d5HN","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.15","costPer":"request","priority":0,"asset":null,"unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Performs a comprehensive annual review of an entire insurance policy portfolio, surfacing coverage gaps, overpayments, bundling savings, and life-stage adjustments.","exampleAgentPrompt":"Can you do a full annual insurance audit across all my policies — home, auto, life, and renters — and tell me where I have coverage gaps, where I'm overpaying, and what adjustments I should make now that we just had a second kid?","exampleUseCases":[{"title":"Coverage gaps after major life purchase","prompt":"I just bought a rental property and want to make sure my insurance portfolio covers everything properly. Can you review all my policies — home, auto, life, and umbrella — and tell me what gaps I might have and if there are any bundling savings I'm missing?"},{"title":"Annual premium optimization across all policies","prompt":"It's been a couple years since I reviewed my insurance. Can you do a full audit of everything I have and flag any policies where I might be overpaying or missing out on bundle discounts? I want to make sure I'm getting the best rates."},{"title":"Life-stage adjustment after retirement transition","prompt":"I'm about to retire and my lifestyle is changing significantly. Can you look at my entire insurance portfolio — home, auto, life, disability, the works — and tell me what coverage adjustments make sense for this next chapter and where I could be spending less?"}],"resultDescription":"Returns a structured audit report covering: identified coverage gaps by policy type, flagged overpayments and premium inefficiencies, bundling opportunities that could reduce total premium spend, and life-stage-specific coverage adjustments recommended for the household's current situation.","failureModes":["Incomplete or missing policy data results in partial audit with gaps noted","Invalid or unrecognized policy types return an error or are skipped","Insufficient household profile data may limit life-stage recommendations","Service unavailable or payment failure (402) if USDC payment not properly attached"],"whenToPreferThis":"Use this endpoint when a user wants a holistic, cross-portfolio insurance review rather than analysis of a single policy type. It is the right choice for annual review workflows, major life events prompting a full reassessment, or when an agent needs to identify systemic gaps and savings across all coverage types simultaneously. Prefer single-policy endpoints (auto, home, life, disability) when the user is focused on one specific coverage area.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-15T06:41:20.441Z","isFirstParty":false}