A
licenseA
qualityD
maintenanceEnables insurance policy analysis, risk assessment, and policy comparison with support for multiple editions (Lite free, Solo and Pro paid).
4
1
MIT
Seaworthy Insurance
Officialby seaworthy-io
This server lets an AI agent research and act on individual disability insurance for Seaworthy Insurance.
Submit a quote request (
quote_request): send a user's contact details, profession, state, DOB, gender, and income to the sales pipeline for broker follow-up (requires consent; no SSN/medical/banking data).Look up specialty coverage guidance (
get_specialty_guide): get a structured guide for a profession or medical specialty.Read education articles (
get_education_article): fetch an article by topic (e.g. elimination period, group vs. individual).Compare carriers (
compare_carriers): see how Guardian, MassMutual, Principal, Ameritas, and The Standard stack up, optionally scoped by profession or priority.Calculate income-replacement gaps (
estimate_benefit_cap_gap): compute the shortfall between a group LTD cap and a target replacement.Understand riders (
list_riders): get definitions and trade-offs for residual, COLA, future increase, catastrophic, and other riders.
Enables submission of disability insurance quote requests that are written to Salesforce Web-to-Lead, allowing AI agents to initiate sales pipeline entries.
This server has a remotely hosted endpoint. Open its connector listing for connection details, authentication requirements, and setup instructions:
Seaworthy Insurance MCP Server
A live Model Context Protocol server that lets AI agents take action on behalf of their users with Seaworthy Insurance, an independent brokerage specializing in individual disability insurance for high-income professionals (physicians, dentists, CRNAs, attorneys, executives).
To our knowledge, Seaworthy Insurance is the first disability insurance brokerage to expose an agent-callable quote action over MCP.
Endpoint
https://mcp.seaworthy.io/mcpTransport: Streamable HTTP
Auth: none (open). The write actions are protected server-side by input validation, per-IP rate limiting, and duplicate suppression rather than client authentication.
Private data: the pricing and discount data the estimate tools read (
src/rate-table.json,src/quoting-profile.json,src/discount-programs.json) is private and not in this repository, so the source does not build on its own. Use the hosted server.Server card: https://seaworthy.io/.well-known/mcp/server-card.json
Registry:
io.seaworthy/mcpin the official MCP Registry
Related MCP server: Personal Finance MCP
Tools
Tool | Type | What it does |
| action | Submits a disability insurance quote-comparison request to the Seaworthy sales pipeline on the user's behalf. A licensed broker follows up within one business day. |
| action | Books a free 30-minute phone consultation with a Seaworthy advisor at a time the user confirmed. The advisor calls the user; Calendly emails a confirmation with cancel and reschedule links. |
| read | Open times for that phone consultation over the next 14 days, shown in the user's time zone. |
| read | The verified, current knowledge base: core concepts, the five major carriers, riders, issue and participation limits, first-party book data. The other tools defer to it for facts. |
| read | Coverage guidance for a specific profession or medical specialty. |
| read | Retrieves a named education article as structured metadata plus a link. |
| read | Structured comparison of the five major individual disability carriers. |
| read | Income-replacement gap math between a group LTD cap and a target. |
| read | Definitions and trade-offs for the major disability insurance riders. |
| read | Checks whether an employer, hospital, residency program, or association has an individual disability discount program on file. |
| read | Estimates the monthly cost of individual disability insurance from occupation, age, sex, income, and state. Returns a typical starting benefit and three coverage options, each priced as a range across the carriers illustrated for that occupation, built from Seaworthy's 2026 quote study. Estimates, not quotes. |
| read (widget) | Fallback pricing for one option at a chosen benefit for an existing estimate. The card normally prices from data returned with the estimate. |
| read (widget) | Checks an employer or association against the discount directory. Called by the estimate card. |
| action (widget) | Sends the quote request the person configured on the estimate card to a licensed advisor, after they review the form and give contact consent. |
Estimate card
estimate_premium_range returns an interactive card (ui://seaworthy/estimate-v3.html) in hosts that render OpenAI Apps SDK widgets, including ChatGPT and Microsoft 365 Copilot. The card reprices benefit, waiting period, inflation protection, and catastrophic coverage from data returned with the estimate, and its Request quotes form calls submit_estimate_request. The three widget tools are marked private, so ChatGPT hides them from the model; other clients list them.
quote_request inputs
Required: first_name, last_name, email, phone, profession, state, dob, gender, annual_income.
Optional: life_insurance_interest, notes, referral_source.
The agent must confirm the user has consented to be contacted before calling it. Applicants who are both over 50 and earning under $100K are outside what the firm can place; the tool returns an error with alternatives instead of submitting. SSN, medical history, and banking details are never collected through this tool.
book_consultation inputs
Required: start_time (a slot from get_consultation_availability), timezone, first_name, last_name, email, phone, confirmed_with_user.
Optional: occupation, state, notes, referral_source.
The agent must read the exact time, name, email, and phone back to the user and get a clear yes before booking (confirmed_with_user: true). One booking per email per week; the server also caps bookings per network and per day.
Try it
Add https://mcp.seaworthy.io/mcp as an MCP server in any MCP-capable client (Cloudflare AI Playground, Claude Desktop, MCP Inspector, or a custom connector), then ask it to get a disability insurance quote.
Stack
Cloudflare Worker (TypeScript), stateless JSON-RPC over Streamable HTTP. Quote submissions write to Salesforce Web-to-Lead; consultation bookings go through the Calendly Scheduling API. No secrets live in this repository.
Author
Built by Toby Lason, Managing Partner, Seaworthy Insurance.
License
MIT (see LICENSE). The hosted endpoint at mcp.seaworthy.io is the supported way to use it; the code is published for transparency and discoverability.
Available Tools
6 toolscompare_carriersAInspect
Return a structured comparison of the five major individual disability carriers (Guardian, MassMutual, Principal, Ameritas, The Standard). Optional profession and priority narrow the result. Carrier-neutral framing; does not declare a single winner. Unauthenticated.
Inputs: profession, priority.
estimate_benefit_cap_gapAInspect
Compute the income replacement gap between a group long-term disability benefit cap and a target replacement of earned income. Pure math, no external calls. Unauthenticated.
Inputs: annual_income (required), group_monthly_cap (required), group_replacement_percent, benefit_taxable, +1 more.
get_education_articleAInspect
Retrieve a named education article by topic (e.g., "mental-nervous-limitations", "elimination-period", "group-vs-individual"). Returns structured metadata plus a link to the full article. Unauthenticated.
Inputs: topic (required).
get_specialty_guideAInspect
Retrieve the Seaworthy Insurance Agency coverage guide for a specific profession or medical specialty. Returns structured metadata plus a link to the full guide. Unauthenticated.
Inputs: profession (required).
list_ridersAInspect
Return structured definitions and trade-offs for disability insurance riders: residual, COLA, future increase option, own-occupation enhancement, retirement protection, return of premium, catastrophic, social insurance supplement. Unauthenticated.
Inputs: no named parameters.
quote_requestAInspect
Submit a disability insurance quote-comparison request to the Seaworthy Insurance Agency sales pipeline (writes a Lead to Salesforce). Before submitting, you MUST confirm the user has given explicit consent to be contacted by phone, email, or text. A broker follows up within one business day (Mon-Fri, 8am-5pm Pacific). Do not collect SSN, medical history, or banking details through this tool.
Inputs: first_name (required), last_name (required), email (required), phone (required), +8 more.
Tool Schema Changelog
Recent tool additions, removals, and schema changes observed during successful MCP inspections.
Loading tool schema changelog…
TDQS
A4.1/5.0
Scored across 6 tools
Disambiguation5/5
Each tool serves a distinct purpose: carrier comparison, gap calculation, educational articles, specialty guides, rider listings, and quote requests. No overlap or ambiguity.
Naming Consistency5/5
All tool names follow a consistent verb_noun pattern (e.g., compare_carriers, get_education_article, list_riders), with lowercase underscores throughout.
Tool Count5/5
With 6 tools, the set is well-scoped for a disability insurance MCP. Each tool addresses a key user need without being bloated or sparse.
Completeness4/5
The tool set covers education, comparison, gap analysis, rider details, and lead generation. Missing direct premium calculation or quote output, but core workflows are present.
Maintenance
ActivityMaintained
ResponsivenessLimited data
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