EZ Annuity

List all states with their basic rule

list_states

Read-only

All 50 states plus DC with each one's disclosure waiting period, whether independent advice is required, and the statute citation. Use to compare states or to find the right slug for state_transfer_rules.

Tool call template

This tool declares no required parameters. Add optional parameters from the input schema as needed.

{
  "id": 1,
  "jsonrpc": "2.0",
  "method": "tools/call",
  "params": {
    "arguments": {},
    "name": "list_states"
  }
}

Input Schema

Name	Required	Description	Default
No arguments

Schema Changelog

Changes observed during successful MCP inspections.

First observedOct 16, 2026

TDQS

A4.5/5.0

Behavior4/5

Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?

Annotations already declare readOnlyHint=true and openWorldHint=false. The description adds that the dataset is a complete, fixed enumeration ('All 50 states plus DC'), which usefully tells the agent there is no filtering, pagination, or partial-result concern.

Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.

Conciseness5/5

Is the description appropriately sized, front-loaded, and free of redundancy?

Two dense sentences, zero filler, with the returned fields front-loaded before the routing hint. Every clause carries information.

Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.

Completeness5/5

Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?

Despite having no output schema, the description lists the returned fields (waiting period, independent advice, citation), so an agent knows exactly what it gets. Nothing needed to call or interpret this tool is missing.

Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.

Parameters4/5

Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?

The tool takes no parameters, so there is nothing for the description to disambiguate; baseline 4 applies. The description appropriately spends its space on return contents instead.

Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.

Purpose5/5

Does the description clearly state what the tool does and how it differs from similar tools?

States a specific resource (all 50 states plus DC) and enumerates exactly what each entry contains: disclosure waiting period, independent advice requirement, statute citation. It also distinguishes itself from the state_transfer_rules sibling by positioning itself as the source of the slug that sibling needs.

Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.

Usage Guidelines4/5

Does the description explain when to use this tool, when not to, or what alternatives exist?

Gives two concrete use cases ('compare states', 'find the right slug for state_transfer_rules'), which is more than most tools offer and explicitly routes to a sibling. It stops short of stating when not to use it, but for a zero-parameter static list the guidance is strong.

Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.

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