# Seaworthy Insurance MCP Server

A live [Model Context Protocol](https://modelcontextprotocol.io) server that lets AI agents take action on behalf of their users with [Seaworthy Insurance](https://seaworthy.io), 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/mcp
```

- **Transport:** Streamable HTTP
- **Auth:** none (open). The write action is protected server-side by input validation, per-IP rate limiting, and duplicate suppression rather than client authentication.
- **Server card:** https://seaworthy.io/.well-known/mcp/server-card.json
- **Registry:** `io.seaworthy/mcp` in the [official MCP Registry](https://registry.modelcontextprotocol.io)

## Tools

| Tool | Type | What it does |
|------|------|--------------|
| `quote_request` | 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. |
| `get_verified_facts` | 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. |
| `get_specialty_guide` | read | Coverage guidance for a specific profession or medical specialty. |
| `get_education_article` | read | Retrieves a named education article as structured metadata plus a link. |
| `compare_carriers` | read | Structured comparison of the five major individual disability carriers. |
| `estimate_benefit_cap_gap` | read | Income-replacement gap math between a group LTD cap and a target. |
| `list_riders` | read | Definitions and trade-offs for the major disability insurance riders. |
| `check_discount_eligibility` | read | Checks whether an employer, hospital, residency program, or association has an individual disability discount program on file. |
| `estimate_premium_range` | 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. |
| `price_configuration` | 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. |
| `match_employer_discount` | read (widget) | Checks an employer or association against the discount directory. Called by the estimate card. |
| `submit_estimate_request` | 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.

## 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. No secrets live in this repository.

## Author

Built by [Toby Lason](https://seaworthy.io/team/toby-lason/), Managing Partner, Seaworthy Insurance.

## License

MIT (see [LICENSE](LICENSE)). The hosted endpoint at `mcp.seaworthy.io` is the supported way to use it; the code is published for transparency and discoverability.