This MCP server lets AI agents interact with Seaworthy Insurance, an independent disability insurance brokerage, to retrieve information and submit quote requests on behalf of users.

• Submit a quote request: Collect user details (name, email, phone, profession, state, DOB, gender, income) and submit to the Seaworthy sales pipeline. A licensed broker follows up within one business day. Requires explicit user consent before submission.

• Get a specialty/profession guide: Retrieve tailored disability insurance coverage guidance for specific professions or medical specialties (e.g., CRNAs, dentists, orthopedic surgeons, attorneys).

• Compare carriers: Get a structured, carrier-neutral comparison of five major individual disability insurance carriers — Guardian, MassMutual, Principal, Ameritas, and The Standard — optionally filtered by profession or priority (e.g., own-occupation language, COLA, price, financial strength).

• Estimate benefit cap gap: Calculate the income replacement gap between a group LTD benefit cap and a target replacement level, factoring in income, tax rates, and benefit taxability.

• List riders: Retrieve structured definitions and trade-offs for major disability insurance riders (e.g., residual, COLA, future increase option, own-occupation, return of premium, catastrophic).

• Read education articles: Access named educational articles on disability insurance topics such as mental/nervous limitations, elimination periods, and group vs. individual coverage.

Enables submission of disability insurance quote requests that are written to Salesforce Web-to-Lead, allowing AI agents to initiate sales pipeline entries.