# InsurePulse

AI-synthesized insurance intelligence API. All endpoints require x402 micropayment (USDC on Base mainnet) via PAYMENT-SIGNATURE header. Returns structured JSON.

## Endpoints

GET /api/insure/auto?profile=clean+record+10+years&state=Texas&vehicle=2019+Honda+Civic
  Returns: coverage adequacy assessment, savings opportunities (bundling/telematics/discounts), carrier comparison with NAIC complaint ratios, action plan.
  Price: $0.10 USDC

GET /api/insure/life?age=38&income=95000&dependents=2&mortgage=280000&debt=12000
  Returns: DIME coverage calculation, term vs permanent analysis, recommended term length, carrier recommendations (Policygenius, SelectQuote, Haven Life), cost estimate.
  Price: $0.10 USDC

GET /api/insure/home?location=Austin+TX&value=420000&sqft=1800&current_coverage=300000
  Returns: dwelling replacement cost adequacy, flood/earthquake gap assessment, missing endorsements, liability gap analysis, carrier comparison.
  Price: $0.10 USDC

GET /api/insure/audit?policies=auto,home,life&life_stage=new+baby&net_worth=350000
  Returns: inflation erosion check, life stage trigger review, critical gaps, overpayment areas, bundling savings, prioritized action plan.
  Price: $0.15 USDC

GET /api/insure/renters?zip=78701&value=35000&dog=false&net_worth=120000
  Returns: recommended coverage amounts, carrier comparison (Lemonade, Toggle, State Farm), umbrella policy guidance, Amazon home security product suggestions.
  Price: $0.08 USDC

## Parameters

All endpoints support ?lang= for any language (Claude responds natively).

## Payment

Send GET without PAYMENT-SIGNATURE to receive 402 + payment requirements.
Sign payment and retry with PAYMENT-SIGNATURE header.
Payment settles on Base mainnet (USDC).
Payment address: 0x50ab2018c06c6E4eAA9BA52057Eb55eD284912fc

## Data Sources

- Tavily: carrier rates, NAIC complaint ratios, coverage reviews, state-specific market data
- Claude synthesis: structured insurance analysis using actuarial frameworks, DIME method, NAIC complaint ratio benchmarks

## Discovery

- OpenAPI: /openapi.json
- Agent discovery: /.well-known/agent.json

## Important

All endpoints include strong disclaimers. InsurePulse provides information only — not licensed insurance advice. Always recommend consulting a licensed insurance agent for final coverage decisions.

## Network

Part of PulseNetwork — 17+ specialized intelligence APIs.