BackNine Life Insurance

Create an eApp from a quote_id returned by any public quote tool and return its private apply_link. Call only after the user selects that quote and explicitly asks to start an application. Retries for the same quote reuse the eApp. Give the user the private apply_link and explain that they must open it to continue in Quote & Apply, complete the remaining application steps, and sign where required. This MCP action does not complete or submit the application to a carrier or bind coverage.

Get required inputs for anonymous US life insurance and long-term-care quotes across enabled non-annuity product types, including product-specific inputs, solves, health labels, and rider filters. No name, email, phone, SSN, account, or existing application is needed.

Get final-expense life insurance quotes, including small burial/funeral coverage. Supports the platform coverage range of $5,000 to $100,000,000, subject to carrier/product limits. No term duration. Uses monthly or annual payments and an explicit assumed health value. Each returned quote_id can be used with create_life_eapp after user selection.

Get fresh non-annuity quotes for the eApp created through public MCP, using its saved rating inputs and optional scenario changes. Requires its private application_token. Does not change the application. Returned quote_id selections are bound to this application and its current revision.

Quote all supported non-annuity products: term, non-med term, return-of-premium term, final expense (fex), UL, accumulation IUL (iul), protection IUL (piul), VUL where enabled/licensed, whole life, linked benefits, traditional LTC, and accidental death. Supports LTC/chronic illness riders on life products. Call get_life_quote_requirements first for enabled products and each product's schema/health labels. Use explicit user inputs. Returns consumer product details, comparison benefits, exam/application guidance, illustration values when available, and signed quote_id selections for create_life_eapp. Annuities are excluded.

Get term-life quotes using explicit user-provided rating inputs. Results include consumer product details, benefit comparisons, and quote-based application guidance. Each result includes an opaque quote_id valid for 30 minutes. After the user selects a quote and requests an application, call create_life_eapp to get their application link. Never invent missing inputs or an underwriting class.

Update the primary or joint insured's name, email, phone, or supported rating inputs for the eApp created through public MCP. Requires its private application_token and explicit user confirmation. Rating changes invalidate the selected quote and require fresh quotes before selection. SSNs, payment data, medical answers, agent/domain overrides, and signed/submitted application edits are not accepted. Give the user the private apply_link and explain that they must open it to continue in Quote & Apply, complete the remaining application steps, and sign where required. This MCP action does not complete or submit the application to a carrier or bind coverage.

Select a quote returned by quote_life_eapp for that same application. Requires its private application_token, application-bound quote_id, and explicit user confirmation. Applies the selected rating inputs and quote, retains quote history, and returns the completion link. Rejects stale selections and locked/submitted applications. Give the user the private apply_link and explain that they must open it to continue in Quote & Apply, complete the remaining application steps, and sign where required. This MCP action does not complete or submit the application to a carrier or bind coverage.