InsurePulse | Apiosk Gateway

Resource	Description
`https://insurepulse.theaslangroupllc.com/api/insure/auto?ref=apiosk`	Auto insurance premium estimate and coverage analysis — car insurance coverage adequacy, savings opportunities, carrier comparison, and a country-aware estimated annual premium range from public benchmarks. For insurance and personal-finance agents, any country.	Open
`https://insurepulse.theaslangroupllc.com/api/insure/life?ref=apiosk`	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.	Open
`https://insurepulse.theaslangroupllc.com/api/insure/home?ref=apiosk`	Home insurance premium estimate and coverage gap analysis — homeowners coverage adequacy, flood and catastrophe exposure, carrier comparison, and a country-aware estimated annual premium range from public benchmarks. For insurance and homebuyer agents, any country.	Open
`https://insurepulse.theaslangroupllc.com/api/insure/review?ref=apiosk`	Annual insurance review and policy-portfolio check — surfaces coverage gaps, overpayments, bundling savings, and life-stage adjustments across an entire set of policies. Country-aware. For insurance and personal-finance agents, any country.	Open
`https://insurepulse.theaslangroupllc.com/api/insure/renters?ref=apiosk`	Renters insurance premium estimate and coverage calculator — right coverage amounts, carrier comparison, umbrella guidance, and a country-aware estimated monthly premium from public benchmarks. For insurance and personal-finance agents, any country.	Open
`https://insurepulse.theaslangroupllc.com/api/insure/business?ref=apiosk`	Business insurance coverage planner and cost estimate — exactly which policies a small business needs (general liability, BOP, professional liability, workers comp), country-aware cost estimates from public benchmarks, and where to buy them. For small-business and insurance agents, any country.	Open
`https://insurepulse.theaslangroupllc.com/api/insure/claim?ref=apiosk`	Insurance claim should-I-file decision and premium-impact analysis — whether to file given the rate hit, plus a documentation checklist and adjuster-negotiation tips. Country-aware for non-US claimants. For insurance and personal-finance agents, any country.	Open
`https://insurepulse.theaslangroupllc.com/api/insure/disability?ref=apiosk`	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.	Open
`https://insurepulse.theaslangroupllc.com/api/insure/life-event?ref=apiosk`	Life-event insurance checklist and coverage to-do list — a prioritized insurance action plan triggered by marriage, a new baby, a home purchase, job change, divorce, or any major life change. Country-aware. For insurance and personal-finance agents, any country.	Open
`https://insurepulse.theaslangroupllc.com/api/insure/rate?ref=apiosk`	Insurance rate optimizer and lower-my-premium plan — explains why a policy is expensive and exactly how to reduce it (discounts, deductible moves, carrier switches), benchmarked against country averages. For insurance and personal-finance agents, any country.	Open
`https://insurepulse.theaslangroupllc.com/api/insure/umbrella?ref=apiosk`	Umbrella insurance and excess-liability calculator — whether a household needs it, how much coverage to carry, what it protects, and a country-aware estimated annual cost from public benchmarks. For insurance and personal-finance agents, any country.	Open
`https://insurepulse.theaslangroupllc.com/api/insure/health?ref=apiosk`	Health insurance explained — premium estimates, plan comparison & enrollment guidance for any country. How public/private coverage works where you live (marketplace, employer, national health system, or expat plan), what your situation implies, indicative premium ranges, decision framework, and common pitfalls (waiting periods, pre-existing conditions, network limits). Advisor-style, not a quote engine.	Open
`https://insurepulse.theaslangroupllc.com/api/insure/prompt-pay?ref=apiosk`	Late-claim interest check — insurers owe STATUTORY INTEREST when they pay late, and most policyholders never collect it. Deterministic day-count math: TX 18%/yr + fees (weather claims prime+5 w/ 542A notice), FL property from the NOTICE date (CFO quarterly table), NY no-fault 2%/month, AZ 10%, GA health 12%, CA health 15% + auto-include penalty. ERISA self-funded gate, clean-claim assumptions stated, limitations gates. Honest-no where the interest belongs to the provider. No LLM.	Open
`https://insurepulse.theaslangroupllc.com/api/insure/prompt-pay-letter?ref=apiosk`	Citation-locked late-claim interest demand letter — the deterministic check plus a demand built on the lane's own day-count math table (TX 18%/prime+5, FL CFO quarterly factors from the notice date, NY no-fault 2%/month, AZ 10%, GA 12%, CA 15% + auto-include penalty). TX weather letters satisfy the §542A.003 pre-suit notice, element by element. Verbatim statutory quotes; the escalation is a free DOI complaint. Honest-no on unsupportable facts.	Open

Method	Path	Description	Cost
GET	/api/insure/auto	Auto insurance premium estimate and coverage analysis — car insurance coverage adequacy, savings opportunities, carrier comparison, and a country-aware estimated annual premium range from public benchmarks. For insurance and personal-finance agents, any country.	$0.10 default	View details
GET	/api/insure/business	Business insurance coverage planner and cost estimate — exactly which policies a small business needs (general liability, BOP, professional liability, workers comp), country-aware cost estimates from public benchmarks, and where to buy them. For small-business and insurance agents, any country.	$0.10 default	View details
GET	/api/insure/claim	Insurance claim should-I-file decision and premium-impact analysis — whether to file given the rate hit, plus a documentation checklist and adjuster-negotiation tips. Country-aware for non-US claimants. For insurance and personal-finance agents, any country.	$0.08 default	View details
GET	/api/insure/disability	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.	$0.10 default	View details
GET	/api/insure/health	Health insurance explained — premium estimates, plan comparison & enrollment guidance for any country. How public/private coverage works where you live (marketplace, employer, national health system, or expat plan), what your situation implies, indicative premium ranges, decision framework, and common pitfalls (waiting periods, pre-existing conditions, network limits). Advisor-style, not a quote engine.	$0.15 default	View details
GET	/api/insure/home	Home insurance premium estimate and coverage gap analysis — homeowners coverage adequacy, flood and catastrophe exposure, carrier comparison, and a country-aware estimated annual premium range from public benchmarks. For insurance and homebuyer agents, any country.	$0.10 default	View details
GET	/api/insure/life	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.	$0.10 default	View details
GET	/api/insure/life-event	Life-event insurance checklist and coverage to-do list — a prioritized insurance action plan triggered by marriage, a new baby, a home purchase, job change, divorce, or any major life change. Country-aware. For insurance and personal-finance agents, any country.	$0.10 default	View details
GET	/api/insure/prompt-pay	Late-claim interest check — insurers owe STATUTORY INTEREST when they pay late, and most policyholders never collect it. Deterministic day-count math: TX 18%/yr + fees (weather claims prime+5 w/ 542A notice), FL property from the NOTICE date (CFO quarterly table), NY no-fault 2%/month, AZ 10%, GA health 12%, CA health 15% + auto-include penalty. ERISA self-funded gate, clean-claim assumptions stated, limitations gates. Honest-no where the interest belongs to the provider. No LLM.	$0.05 default	View details
GET	/api/insure/prompt-pay-letter	Citation-locked late-claim interest demand letter — the deterministic check plus a demand built on the lane's own day-count math table (TX 18%/prime+5, FL CFO quarterly factors from the notice date, NY no-fault 2%/month, AZ 10%, GA 12%, CA 15% + auto-include penalty). TX weather letters satisfy the §542A.003 pre-suit notice, element by element. Verbatim statutory quotes; the escalation is a free DOI complaint. Honest-no on unsupportable facts.	$2.00 default	View details
GET	/api/insure/rate	Insurance rate optimizer and lower-my-premium plan — explains why a policy is expensive and exactly how to reduce it (discounts, deductible moves, carrier switches), benchmarked against country averages. For insurance and personal-finance agents, any country.	$0.08 default	View details
GET	/api/insure/renters	Renters insurance premium estimate and coverage calculator — right coverage amounts, carrier comparison, umbrella guidance, and a country-aware estimated monthly premium from public benchmarks. For insurance and personal-finance agents, any country.	$0.08 default	View details
GET	/api/insure/review	Annual insurance review and policy-portfolio check — surfaces coverage gaps, overpayments, bundling savings, and life-stage adjustments across an entire set of policies. Country-aware. For insurance and personal-finance agents, any country.	$0.15 default	View details
GET	/api/insure/umbrella	Umbrella insurance and excess-liability calculator — whether a household needs it, how much coverage to carry, what it protects, and a country-aware estimated annual cost from public benchmarks. For insurance and personal-finance agents, any country.	$0.08 default	View details

Endpoint documentation

GET/api/insure/auto

$0.10 default

Description

Auto insurance premium estimate and coverage analysis — car insurance coverage adequacy, savings opportunities, carrier comparison, and a country-aware estimated annual premium range from public benchmarks. For insurance and personal-finance agents, any country.

Documentation

Auto insurance analysis

Analyzes an auto insurance profile for coverage adequacy, identifies savings opportunities (bundling, telematics, good driver discounts), and recommends carriers based on NAIC complaint ratios and market rates.

**Price:** $0.1 USDC per call

Calls go directly to PulseNetwork. Paid routes use the live x402 challenge; Apiosk never rewrites payTo or settles the payment.

Pricing

$0.10 default

Authentication

No account or API key. Pay PulseNetwork directly using the live x402 challenge. The challenge is authoritative for price, network, asset and payTo.

Parameters

{
  "properties": {
    "lang": {
      "description": "Response language",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "profile": {
      "description": "Driver profile description (e.g. 'clean record 10 years, married, homeowner')",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "state": {
      "description": "State of registration (e.g. 'Texas', 'CA')",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "vehicle": {
      "description": "Vehicle description (e.g. '2020 Toyota Camry')",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    }
  },
  "required": [],
  "type": "object"
}

Links

External documentation ↗OpenAPI / Swagger ↗

GET/api/insure/business

$0.10 default

Description

Business insurance coverage planner and cost estimate — exactly which policies a small business needs (general liability, BOP, professional liability, workers comp), country-aware cost estimates from public benchmarks, and where to buy them. For small-business and insurance agents, any country.

Documentation

Business insurance guidance

Returns exactly which policies a small business needs (GL, BOP, professional liability, workers comp), cost estimates, and where to get them.

**Price:** $0.1 USDC per call

Calls go directly to PulseNetwork. Paid routes use the live x402 challenge; Apiosk never rewrites payTo or settles the payment.

Pricing

$0.10 default

Authentication

No account or API key. Pay PulseNetwork directly using the live x402 challenge. The challenge is authoritative for price, network, asset and payTo.

Parameters

{
  "properties": {
    "business_type": {
      "description": "Business type (e.g. consulting, retail, contractor)",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "employees": {
      "description": "Employee count",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "lang": {
      "description": "Response language",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "revenue": {
      "description": "Annual revenue USD",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "state": {
      "description": "State (e.g. Texas, CA)",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    }
  },
  "required": [],
  "type": "object"
}

Links

External documentation ↗OpenAPI / Swagger ↗

GET/api/insure/claim

$0.08 default

Description

Insurance claim should-I-file decision and premium-impact analysis — whether to file given the rate hit, plus a documentation checklist and adjuster-negotiation tips. Country-aware for non-US claimants. For insurance and personal-finance agents, any country.

Documentation

Insurance claims guidance

Answers whether to file given premium-impact analysis, with a documentation checklist and adjuster-negotiation tips.

**Price:** $0.08 USDC per call

Calls go directly to PulseNetwork. Paid routes use the live x402 challenge; Apiosk never rewrites payTo or settles the payment.

Pricing

$0.08 default

Authentication

No account or API key. Pay PulseNetwork directly using the live x402 challenge. The challenge is authoritative for price, network, asset and payTo.

Parameters

{
  "properties": {
    "damage_estimate": {
      "description": "Estimated damage USD",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "deductible": {
      "description": "Policy deductible USD",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "insurance_type": {
      "description": "Insurance type (auto, home, renters)",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "lang": {
      "description": "Response language",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "situation": {
      "description": "What happened",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    }
  },
  "required": [],
  "type": "object"
}

Links

External documentation ↗OpenAPI / Swagger ↗

GET/api/insure/disability

$0.10 default

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.

Documentation

Disability insurance analysis

Needs calculator, key policy features, and carrier recommendations for the most underinsured risk in America.

**Price:** $0.1 USDC per call

Calls go directly to PulseNetwork. Paid routes use the live x402 challenge; Apiosk never rewrites payTo or settles the payment.

Pricing

$0.10 default

Authentication

No account or API key. Pay PulseNetwork directly using the live x402 challenge. The challenge is authoritative for price, network, asset and payTo.

Parameters

{
  "properties": {
    "employer_ltd": {
      "description": "Existing employer long-term disability (yes/no/details)",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "income": {
      "description": "Annual income USD",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "lang": {
      "description": "Response language",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "occupation": {
      "description": "Occupation",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    }
  },
  "required": [],
  "type": "object"
}

Links

External documentation ↗OpenAPI / Swagger ↗

GET/api/insure/health

$0.15 default

Description

Health insurance explained — premium estimates, plan comparison & enrollment guidance for any country. How public/private coverage works where you live (marketplace, employer, national health system, or expat plan), what your situation implies, indicative premium ranges, decision framework, and common pitfalls (waiting periods, pre-existing conditions, network limits). Advisor-style, not a quote engine.

Documentation

Health insurance explained

Global health/medical insurance advisor — how public/private coverage works in the user's country, situation-based implications, indicative premium estimates, decision framework, common pitfalls, and enrollment channels (names only, no quotes generated).

**Price:** $0.15 USDC per call

Calls go directly to PulseNetwork. Paid routes use the live x402 challenge; Apiosk never rewrites payTo or settles the payment.

Pricing

$0.15 default

Authentication

No account or API key. Pay PulseNetwork directly using the live x402 challenge. The challenge is authoritative for price, network, asset and payTo.

Parameters

{
  "properties": {
    "age_range": {
      "description": "Age range (e.g. 25-34)",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "country": {
      "description": "Country (e.g. US, UK, DE, IN, BR)",
      "required": true,
      "type": "string",
      "x-parameter-location": "query"
    },
    "lang": {
      "description": "Response language",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "priorities": {
      "description": "cost/coverage/dental/maternity/chronic",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "situation": {
      "description": "employed/self-employed/student/retiree/expat/family",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    }
  },
  "required": [
    "country"
  ],
  "type": "object"
}

Links

External documentation ↗OpenAPI / Swagger ↗

GET/api/insure/home

$0.10 default

Description

Home insurance premium estimate and coverage gap analysis — homeowners coverage adequacy, flood and catastrophe exposure, carrier comparison, and a country-aware estimated annual premium range from public benchmarks. For insurance and homebuyer agents, any country.

Documentation

Homeowners insurance gap analysis

Analyzes HO-3 coverage adequacy: dwelling replacement cost vs. current coverage, flood and earthquake exposure, missing endorsements (jewelry, sewer backup, equipment breakdown), and liability limits. Compares carriers.

**Price:** $0.1 USDC per call

Calls go directly to PulseNetwork. Paid routes use the live x402 challenge; Apiosk never rewrites payTo or settles the payment.

Pricing

$0.10 default

Authentication

No account or API key. Pay PulseNetwork directly using the live x402 challenge. The challenge is authoritative for price, network, asset and payTo.

Parameters

{
  "properties": {
    "current_coverage": {
      "description": "Current dwelling coverage amount in USD",
      "required": false,
      "type": "number",
      "x-parameter-location": "query"
    },
    "lang": {
      "description": "Response language",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "location": {
      "description": "City and state (e.g. 'Austin TX')",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "sqft": {
      "description": "Square footage",
      "required": false,
      "type": "integer",
      "x-parameter-location": "query"
    },
    "value": {
      "description": "Home value or purchase price in USD",
      "required": false,
      "type": "number",
      "x-parameter-location": "query"
    }
  },
  "required": [],
  "type": "object"
}

Links

External documentation ↗OpenAPI / Swagger ↗

GET/api/insure/life

$0.10 default

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.

Documentation

Life insurance needs calculator

Calculates life insurance coverage needs using the DIME method (Debt + Income × years + Mortgage + Education). Compares term vs permanent policies, recommends term length, and provides carrier guidance.

**Price:** $0.1 USDC per call

Calls go directly to PulseNetwork. Paid routes use the live x402 challenge; Apiosk never rewrites payTo or settles the payment.

Pricing

$0.10 default

Authentication

No account or API key. Pay PulseNetwork directly using the live x402 challenge. The challenge is authoritative for price, network, asset and payTo.

Parameters

{
  "properties": {
    "age": {
      "description": "Applicant age",
      "required": false,
      "type": "integer",
      "x-parameter-location": "query"
    },
    "debt": {
      "description": "Other debt (student loans, auto, credit card) in USD",
      "required": false,
      "type": "number",
      "x-parameter-location": "query"
    },
    "dependents": {
      "description": "Number of financial dependents",
      "required": false,
      "type": "integer",
      "x-parameter-location": "query"
    },
    "income": {
      "description": "Annual gross income in USD",
      "required": false,
      "type": "number",
      "x-parameter-location": "query"
    },
    "lang": {
      "description": "Response language",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "mortgage": {
      "description": "Remaining mortgage balance in USD",
      "required": false,
      "type": "number",
      "x-parameter-location": "query"
    },
    "situation": {
      "description": "Life situation description (e.g. 'married, 2 kids, dual income')",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    }
  },
  "required": [],
  "type": "object"
}

Links

External documentation ↗OpenAPI / Swagger ↗

GET/api/insure/life-event

$0.10 default

Description

Life-event insurance checklist and coverage to-do list — a prioritized insurance action plan triggered by marriage, a new baby, a home purchase, job change, divorce, or any major life change. Country-aware. For insurance and personal-finance agents, any country.

Documentation

Life-event insurance checklist

Prioritized coverage to-do list triggered by marriage, a new baby, a home purchase, divorce, or any major life change.

**Price:** $0.1 USDC per call

Calls go directly to PulseNetwork. Paid routes use the live x402 challenge; Apiosk never rewrites payTo or settles the payment.

Pricing

$0.10 default

Authentication

No account or API key. Pay PulseNetwork directly using the live x402 challenge. The challenge is authoritative for price, network, asset and payTo.

Parameters

{
  "properties": {
    "details": {
      "description": "Additional context",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "event": {
      "description": "Life event (marriage, baby, home-purchase, divorce)",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "lang": {
      "description": "Response language",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    }
  },
  "required": [],
  "type": "object"
}

Links

External documentation ↗OpenAPI / Swagger ↗

GET/api/insure/prompt-pay

$0.05 default

Description

Late-claim interest check — insurers owe STATUTORY INTEREST when they pay late, and most policyholders never collect it. Deterministic day-count math: TX 18%/yr + fees (weather claims prime+5 w/ 542A notice), FL property from the NOTICE date (CFO quarterly table), NY no-fault 2%/month, AZ 10%, GA health 12%, CA health 15% + auto-include penalty. ERISA self-funded gate, clean-claim assumptions stated, limitations gates. Honest-no where the interest belongs to the provider. No LLM.

Documentation

Late-claim interest check — statutory prompt-pay interest math (deterministic, no LLM)

Insurers owe STATUTORY INTEREST when they pay claims late. Consumer lanes: TX first-party 18%/yr + fees with ch. 542A weather routing (prime+5, pre-suit notice), FL property (§55.03 CFO quarterly table, accrues from the NOTICE date, no request needed), NY no-fault PIP 2%/month (30-day-month convention, 65-3.9(c) toll), AZ all-first-party 10%, GA health 12% (insured-inclusive), CA health/disability 15% + auto-include penalty (post-2025 accruals). ERISA self-funded gate, clean-claim assumption stated, limitations gates, per-quarter FL segmentation. FLAG-only LA/CO (court-found penalties); honest-no NJ/WA (provider-only).

**Price:** $0.05 USDC per call

Calls go directly to PulseNetwork. Paid routes use the live x402 challenge; Apiosk never rewrites payTo or settles the payment.

Pricing

$0.05 default

Authentication

No account or API key. Pay PulseNetwork directly using the live x402 challenge. The challenge is authoritative for price, network, asset and payTo.

Parameters

{
  "properties": {
    "acted_within_30_of_denial": {
      "description": "NY-PIP: was arbitration/suit filed within 30 days of denial",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "all_items_date": {
      "description": "TX: date all requested items were provided",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "amount_paid": {
      "description": "USD partial payment",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "claim_amount": {
      "description": "USD claim amount from your records",
      "required": true,
      "type": "string",
      "x-parameter-location": "query"
    },
    "claim_received_date": {
      "description": "YYYY-MM-DD the insurer received the claim/notice/proof of loss",
      "required": true,
      "type": "string",
      "x-parameter-location": "query"
    },
    "claim_type": {
      "description": "property | auto | health | disability | life",
      "required": true,
      "type": "string",
      "x-parameter-location": "query"
    },
    "date_of_loss": {
      "description": "FL: the 5-yr limitations clock runs from the date of loss",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "denial_date": {
      "description": "NY-PIP: denial date (drives the 65-3.9(c) interest toll)",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "hmo_plan": {
      "description": "CA: true for Knox-Keene/DMHC plans",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "interest_included": {
      "description": "auto-pay lanes: did the payment include the interest",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "paid_date": {
      "description": "YYYY-MM-DD paid (omit if unpaid)",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "plan_funding": {
      "description": "health: fully_insured | self_funded | government | church | unknown (ERISA gate)",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "state": {
      "description": "US state code (TX|FL|NY|AZ|GA|CA computed; LA|CO flagged; NJ|WA honest-no)",
      "required": true,
      "type": "string",
      "x-parameter-location": "query"
    },
    "submission_method": {
      "description": "GA: electronic | paper (deadline fork)",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "submitted_by": {
      "description": "insured_reimbursement | provider_assigned",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "third_party": {
      "description": "true if claiming against someone ELSE's insurer (honest-no)",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "weather_related": {
      "description": "TX property: true for hail/wind/hurricane (ch. 542A lane) — REQUIRED for TX property",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    }
  },
  "required": [
    "state",
    "claim_type",
    "claim_received_date",
    "claim_amount"
  ],
  "type": "object"
}

Links

External documentation ↗OpenAPI / Swagger ↗

GET/api/insure/prompt-pay-letter

$2.00 default

Description

Citation-locked late-claim interest demand letter — the deterministic check plus a demand built on the lane's own day-count math table (TX 18%/prime+5, FL CFO quarterly factors from the notice date, NY no-fault 2%/month, AZ 10%, GA 12%, CA 15% + auto-include penalty). TX weather letters satisfy the §542A.003 pre-suit notice, element by element. Verbatim statutory quotes; the escalation is a free DOI complaint. Honest-no on unsupportable facts.

Documentation

Citation-locked late-claim interest demand letter ($2)

Runs the prompt-pay check, then drafts the interest demand with the lane's exact day-count math table and verbatim statutory quotes. TX weather letters self-identify as the §542A.003 pre-suit notice with its three required elements. Auto-pay lanes lead with "this interest is owed without any demand". Escalation is a free DOI complaint. Honest-no on unsupportable facts — the engine result is returned and no letter is sold.

**Price:** $2 USDC per call

Calls go directly to PulseNetwork. Paid routes use the live x402 challenge; Apiosk never rewrites payTo or settles the payment.

Pricing

$2.00 default

Authentication

No account or API key. Pay PulseNetwork directly using the live x402 challenge. The challenge is authoritative for price, network, asset and payTo.

Parameters

{
  "properties": {
    "claim_amount": {
      "description": "USD claim amount",
      "required": true,
      "type": "string",
      "x-parameter-location": "query"
    },
    "claim_number": {
      "description": "Claim number (placeholder if omitted)",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "claim_received_date": {
      "description": "YYYY-MM-DD the insurer received the claim",
      "required": true,
      "type": "string",
      "x-parameter-location": "query"
    },
    "claim_type": {
      "description": "property | auto | health | disability | life",
      "required": true,
      "type": "string",
      "x-parameter-location": "query"
    },
    "insurer_name": {
      "description": "Insurer name for the letter",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "lang": {
      "description": "Letter language (default English)",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "policy_number": {
      "description": "Policy number (placeholder if omitted)",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "policyholder_name": {
      "description": "Your name (placeholder if omitted)",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "state": {
      "description": "US state code (TX|FL|NY|AZ|GA|CA letter-worthy lanes)",
      "required": true,
      "type": "string",
      "x-parameter-location": "query"
    }
  },
  "required": [
    "state",
    "claim_type",
    "claim_received_date",
    "claim_amount"
  ],
  "type": "object"
}

Links

External documentation ↗OpenAPI / Swagger ↗

GET/api/insure/rate

$0.08 default

Description

Insurance rate optimizer and lower-my-premium plan — explains why a policy is expensive and exactly how to reduce it (discounts, deductible moves, carrier switches), benchmarked against country averages. For insurance and personal-finance agents, any country.

Documentation

Insurance rate optimizer

Explains why a policy is expensive and exactly how to lower it: discounts, deductible moves, and carrier switches.

**Price:** $0.08 USDC per call

Calls go directly to PulseNetwork. Paid routes use the live x402 challenge; Apiosk never rewrites payTo or settles the payment.

Pricing

$0.08 default

Authentication

No account or API key. Pay PulseNetwork directly using the live x402 challenge. The challenge is authoritative for price, network, asset and payTo.

Parameters

{
  "properties": {
    "current_premium": {
      "description": "Current premium USD",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "insurance_type": {
      "description": "Insurance type (auto, home, etc.)",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "lang": {
      "description": "Response language",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "profile": {
      "description": "Policyholder profile",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "state": {
      "description": "State",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    }
  },
  "required": [],
  "type": "object"
}

Links

External documentation ↗OpenAPI / Swagger ↗

GET/api/insure/renters

$0.08 default

Description

Renters insurance premium estimate and coverage calculator — right coverage amounts, carrier comparison, umbrella guidance, and a country-aware estimated monthly premium from public benchmarks. For insurance and personal-finance agents, any country.

Documentation

Renters insurance guide

Calculates recommended renters insurance coverage amounts, identifies common gaps (undervalued property, jewelry sublimits, roommate coverage), recommends umbrella policy when net worth warrants it, and compares carriers.

**Price:** $0.08 USDC per call

Calls go directly to PulseNetwork. Paid routes use the live x402 challenge; Apiosk never rewrites payTo or settles the payment.

Pricing

$0.08 default

Authentication

No account or API key. Pay PulseNetwork directly using the live x402 challenge. The challenge is authoritative for price, network, asset and payTo.

Parameters

{
  "properties": {
    "dog": {
      "description": "Whether tenant has a dog (affects liability)",
      "required": false,
      "type": "boolean",
      "x-parameter-location": "query"
    },
    "lang": {
      "description": "Response language",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "net_worth": {
      "description": "Estimated net worth in USD",
      "required": false,
      "type": "number",
      "x-parameter-location": "query"
    },
    "value": {
      "description": "Estimated personal property value in USD",
      "required": false,
      "type": "number",
      "x-parameter-location": "query"
    },
    "zip": {
      "description": "ZIP code for rate context",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    }
  },
  "required": [],
  "type": "object"
}

Links

External documentation ↗OpenAPI / Swagger ↗

GET/api/insure/review

$0.15 default

Description

Annual insurance review and policy-portfolio check — surfaces coverage gaps, overpayments, bundling savings, and life-stage adjustments across an entire set of policies. Country-aware. For insurance and personal-finance agents, any country.

Documentation

Annual insurance coverage review

Comprehensive insurance review covering inflation erosion of coverage limits, life stage triggers requiring policy updates, coverage gaps, overpayment areas, and bundling savings opportunities. Global: pass country for non-US norms and benchmark anchors.

**Price:** $0.15 USDC per call

Calls go directly to PulseNetwork. Paid routes use the live x402 challenge; Apiosk never rewrites payTo or settles the payment.

Pricing

$0.15 default

Authentication

No account or API key. Pay PulseNetwork directly using the live x402 challenge. The challenge is authoritative for price, network, asset and payTo.

Parameters

{
  "properties": {
    "country": {
      "description": "ISO country code (e.g. US, UK, DE, CA, AU) — tailors norms and benchmark anchors. Default US.",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "lang": {
      "description": "Response language",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "life_stage": {
      "description": "Recent life events (e.g. 'new baby', 'home purchase', 'retirement')",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "net_worth": {
      "description": "Estimated net worth (in local currency) for umbrella/liability sizing",
      "required": false,
      "type": "number",
      "x-parameter-location": "query"
    },
    "policies": {
      "description": "Current policies held (e.g. 'auto,home,life,umbrella')",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    }
  },
  "required": [],
  "type": "object"
}

Links

External documentation ↗OpenAPI / Swagger ↗

GET/api/insure/umbrella

$0.08 default

Description

Umbrella insurance and excess-liability calculator — whether a household needs it, how much coverage to carry, what it protects, and a country-aware estimated annual cost from public benchmarks. For insurance and personal-finance agents, any country.

Documentation

Umbrella insurance analysis

Whether a household needs umbrella coverage, how much, what it covers, and how to add it for $150-300 a year.

**Price:** $0.08 USDC per call

Calls go directly to PulseNetwork. Paid routes use the live x402 challenge; Apiosk never rewrites payTo or settles the payment.

Pricing

$0.08 default

Authentication

No account or API key. Pay PulseNetwork directly using the live x402 challenge. The challenge is authoritative for price, network, asset and payTo.

Parameters

{
  "properties": {
    "lang": {
      "description": "Response language",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "net_worth": {
      "description": "Net worth USD",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "owns_home": {
      "description": "Owns home (yes/no)",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "rental_property": {
      "description": "Owns rental property (yes/no)",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "situation": {
      "description": "Additional context",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "teen_drivers": {
      "description": "Teen drivers (yes/no)",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    }
  },
  "required": [],
  "type": "object"
}

Links

External documentation ↗OpenAPI / Swagger ↗