{
  "name": "InsurePulse",
  "description": "AI-synthesized insurance intelligence API. Auto coverage analysis, life insurance needs calculator (DIME method), homeowners gap finder, annual coverage audit, and renters insurance guidance. Returns structured JSON. Requires x402 micropayment (USDC on Base mainnet).",
  "version": "1.0.0",
  "url": "https://insurepulse.vercel.app",
  "payment": {
    "protocol": "x402",
    "network": "eip155:8453",
    "asset": "USDC",
    "contract": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
    "payTo": "0x50ab2018c06c6E4eAA9BA52057Eb55eD284912fc",
    "price_range_usd": "0.08–0.15"
  },
  "capabilities": [
    "Auto insurance analysis — coverage adequacy, NAIC complaint ratios, discount stacking, carrier comparison",
    "Life insurance needs calculator — DIME method, term vs whole analysis, carrier recommendations",
    "Homeowners insurance gap finder — flood/earthquake exposure, dwelling replacement cost, endorsement guidance",
    "Annual coverage audit — gaps, inflation erosion, overpayments, bundling savings, life stage triggers",
    "Renters insurance guide — coverage amounts, umbrella policy guidance, carrier comparison"
  ],
  "data_sources": [
    "Tavily: carrier rates, NAIC complaint ratios, coverage reviews, market context",
    "Claude synthesis: structured insurance analysis using actuarial and consumer frameworks"
  ],
  "endpoints": [
    {
      "path": "/api/insure/auto",
      "method": "GET",
      "description": "Auto insurance profile analysis — coverage adequacy, savings opportunities, carrier comparison",
      "required_params": [],
      "optional_params": ["profile", "state", "vehicle", "lang"],
      "price_usd": 0.10
    },
    {
      "path": "/api/insure/life",
      "method": "GET",
      "description": "Life insurance needs calculator — DIME method, term vs permanent analysis, carrier guidance",
      "required_params": [],
      "optional_params": ["age", "income", "dependents", "mortgage", "debt", "situation", "lang"],
      "price_usd": 0.10
    },
    {
      "path": "/api/insure/home",
      "method": "GET",
      "description": "Homeowners insurance gap analysis — dwelling replacement cost, flood/earthquake exposure, endorsements",
      "required_params": [],
      "optional_params": ["location", "value", "sqft", "current_coverage", "lang"],
      "price_usd": 0.10
    },
    {
      "path": "/api/insure/audit",
      "method": "GET",
      "description": "Annual insurance coverage audit — gaps, overpayments, inflation erosion, bundling, life stage review",
      "required_params": [],
      "optional_params": ["policies", "life_stage", "net_worth", "lang"],
      "price_usd": 0.15
    },
    {
      "path": "/api/insure/renters",
      "method": "GET",
      "description": "Renters insurance guide — coverage amounts, carrier comparison, umbrella policy guidance",
      "required_params": [],
      "optional_params": ["zip", "value", "dog", "net_worth", "lang"],
      "price_usd": 0.08
    }
  ],
  "example_queries": [
    "GET /api/insure/auto?profile=clean+record+10+years&state=Texas&vehicle=2019+Honda+Civic",
    "GET /api/insure/life?age=38&income=95000&dependents=2&mortgage=280000&debt=12000",
    "GET /api/insure/home?location=Austin+TX&value=420000&sqft=1800&current_coverage=300000",
    "GET /api/insure/audit?policies=auto,home,life&life_stage=new+baby&net_worth=350000",
    "GET /api/insure/renters?zip=78701&value=35000&dog=false&net_worth=120000"
  ],
  "network": "PulseNetwork",
  "sibling_apis": [
    { "name": "WealthPulse", "url": "https://wealthpulse-phi.vercel.app", "relevance": "Financial health, debt payoff, retirement planning" },
    { "name": "PropPulse", "url": "https://proppulse-gules.vercel.app", "relevance": "Home buying decisions, mortgage analysis" },
    { "name": "RiskPulse", "url": "https://riskpulse-five.vercel.app", "relevance": "International travel insurance, expat coverage" }
  ],
  "openapi": "https://insurepulse.vercel.app/openapi.json",
  "llms_txt": "https://insurepulse.vercel.app/llms.txt",
  "disclaimer": "For informational purposes only. Not a licensed insurance recommendation. Always consult a licensed insurance agent."
}