PuntoSeguro · Seguros de vida y salud
Spanish insurance broker: real life-insurance quotes from 10+ insurers, coverage and applications.
我该使用它吗
质量与安全性
A
发现（3）
- LOWTool 'calculate_life_insurance_coverage' name length outside 3-30 range在 calculate_life_insurance_coverage 中
- LOWTool 'get_life_insurance_quote_details' name length outside 3-30 range在 get_life_insurance_quote_details 中
- LOWTool 'start_life_insurance_application' name length outside 3-30 range在 start_life_insurance_application 中
基于对工具定义和协议合规性的自动分析。
上下文开销
~3,125token 数（工具定义）
~6.2 KB典型响应大小
对注意力有显著影响（占 128k 上下文窗口的 2.44%）
这是每次将服务器的工具加载到模型上下文窗口时所消耗的大致 token 数。数值越高，可用于其他任务的注意力就越少。
安装
一键安装
将以下内容添加到你的 `claude_desktop_config.json` 文件中：
{
"mcpServers": {
"seguros-vida-salud": {
"url": "https://app.puntoseguro.com/mcp"
}
}
}远程端点
https://app.puntoseguro.com/mcpstreamable-http它能做什么
工具清单
工具（5）
🟢 只读🟡 写入🔴 删除⚪ 未知
🟢calculate_life_insurance_coverage(annual_net_income_eur, outstanding_debts_eur, existing_life_cover_eur)
Calculates an indicative life-insurance coverage amount for a resident of Spain with PuntoSeguro's published method: five years of net annual income plus outstanding debts, minus existing life cover, rounded up to the nearest 10,000 EUR. Returns the amount and its breakdown. Informational only; not individualized financial advice, premiums or savings products.
输入模式
{
"type": "object",
"properties": {
"annual_net_income_eur": {
"type": "number",
"minimum": 0,
"maximum": 100000000,
"description": "Annual net income to protect for dependants, in euros"
},
"outstanding_debts_eur": {
"default": 0,
"description": "Outstanding debts, including mortgage balance, in euros",
"type": "number",
"minimum": 0,
"maximum": 100000000
},
"existing_life_cover_eur": {
"default": 0,
"description": "Existing life-insurance cover already in force, in euros",
"type": "number",
"minimum": 0,
"maximum": 100000000
}
},
"required": [
"annual_net_income_eur"
],
"$schema": "http://json-schema.org/draft-07/schema#"
}输出模式
{
"type": "object",
"properties": {
"type": {
"type": "string",
"const": "life_insurance_coverage_calculation"
},
"methodology": {
"type": "string",
"const": "5 years of net income + outstanding debts - existing life cover"
},
"annual_net_income_eur": {
"type": "number",
"minimum": 0
},
"income_years": {
"type": "number",
"const": 5
},
"income_protection_eur": {
"type": "number",
"minimum": 0
},
"outstanding_debts_eur": {
"type": "number",
"minimum": 0
},
"existing_life_cover_eur": {
"type": "number",
"minimum": 0
},
"gross_protection_need_eur": {
"type": "number",
"minimum": 0
},
"additional_cover_needed_eur": {
"type": "number",
"minimum": 0
},
"calculated_coverage_eur": {
"type": "number",
"minimum": 0
},
"rounded_to_eur": {
"type": "number",
"const": 10000
},
"calculator_url": {
"type": "string",
"const": "https://www.puntoseguro.com/seguros-de-vida/calculadora-capital/"
},
"disclaimer": {
"type": "string"
}
},
"required": [
"type",
"methodology",
"annual_net_income_eur",
"income_years",
"income_protection_eur",
"outstanding_debts_eur",
"existing_life_cover_eur",
"gross_protection_need_eur",
"additional_cover_needed_eur",
"calculated_coverage_eur",
"rounded_to_eur",
"calculator_url",
"disclaimer"
],
"$schema": "http://json-schema.org/draft-07/schema#",
"additionalProperties": false
}🟢open_life_insurance_quote_form(coverage_amount_eur)
Displays PuntoSeguro's life-insurance quote form, in which the user types an exact date of birth and chooses a coverage amount; submitting it shows the quotes available through PuntoSeguro. Optionally preselects a coverage amount. Sends and stores no personal data. Residents of Spain only.
输入模式
{
"type": "object",
"properties": {
"coverage_amount_eur": {
"description": "Coverage amount in euros to preselect, only if the user already stated or calculated one",
"type": "number",
"exclusiveMinimum": 0,
"maximum": 10000000
}
},
"$schema": "http://json-schema.org/draft-07/schema#"
}输出模式
{
"type": "object",
"properties": {
"type": {
"type": "string",
"const": "life_insurance_quote_form"
},
"coverage_amount_eur": {
"anyOf": [
{
"type": "number",
"exclusiveMinimum": 0,
"maximum": 10000000,
"description": "Requested life-insurance coverage amount in euros"
},
{
"type": "null"
}
]
},
"suggested_amounts_eur": {
"type": "array",
"items": {
"type": "number",
"exclusiveMinimum": 0
}
},
"missing_fields": {
"type": "array",
"items": {
"type": "string"
}
}
},
"required": [
"type",
"coverage_amount_eur",
"suggested_amounts_eur"
],
"$schema": "http://json-schema.org/draft-07/schema#",
"additionalProperties": false
}🟢list_life_insurance_quotes(birth_year, birth_month, birth_day, coverage_amount_eur)
Returns the indicative annual life-insurance protection (vida riesgo) premiums available through PuntoSeguro for a resident of Spain, given an exact date of birth and a coverage amount: insurer ids, insurer names and premiums for death, death and disability, double and triple capital, and displays the comparison interface where supported. When the date of birth or the coverage amount is missing, it returns PuntoSeguro's quote form and the list of missing details instead of quotes. Results are limited to the insurers available through PuntoSeguro and are not a whole-market comparison.
输入模式
{
"type": "object",
"properties": {
"birth_year": {
"type": "integer",
"minimum": 1900,
"maximum": 2026,
"description": "Four-digit birth year"
},
"birth_month": {
"type": "integer",
"minimum": 1,
"maximum": 12,
"description": "Birth month from 1 to 12"
},
"birth_day": {
"type": "integer",
"minimum": 1,
"maximum": 31,
"description": "Birth day from 1 to 31"
},
"coverage_amount_eur": {
"type": "number",
"exclusiveMinimum": 0,
"maximum": 10000000,
"description": "Requested life-insurance coverage amount in euros"
}
},
"$schema": "http://json-schema.org/draft-07/schema#"
}输出模式
{
"type": "object",
"properties": {
"type": {
"type": "string",
"enum": [
"life_insurance_quote_list",
"life_insurance_quote_form"
]
},
"coverage_amount_eur": {
"anyOf": [
{
"type": "number",
"exclusiveMinimum": 0,
"maximum": 10000000,
"description": "Requested life-insurance coverage amount in euros"
},
{
"type": "null"
}
]
},
"quote_count": {
"type": "integer",
"minimum": 0,
"maximum": 9007199254740991
},
"quotes": {
"type": "array",
"items": {
"type": "object",
"properties": {
"insurer_id": {
"type": "integer",
"exclusiveMinimum": 0,
"maximum": 9007199254740991
},
"insurer_name": {
"type": "string"
},
"annual_death_premium_eur": {
"type": "number",
"minimum": 0,
"description": "Indicative annual death-only premium in euros; 0 means unavailable, not free"
},
"annual_death_and_disability_premium_eur": {
"type": "number",
"minimum": 0,
"description": "Indicative annual death-and-disability premium in euros; 0 means unavailable"
},
"annual_double_capital_premium_eur": {
"type": "number",
"minimum": 0,
"description": "Indicative annual double-capital premium in euros; 0 means unavailable"
},
"annual_triple_capital_premium_eur": {
"type": "number",
"minimum": 0,
"description": "Indicative annual triple-capital premium in euros; 0 means unavailable"
},
"supports_decreasing_capital": {
"type": "boolean"
},
"supports_mortgage_protection": {
"type": "boolean"
},
"capital_types": {
"type": "array",
"items": {
"type": "string",
"enum": [
"fixed",
"decreasing"
]
}
}
},
"required": [
"insurer_id",
"insurer_name",
"annual_death_premium_eur",
"annual_death_and_disability_premium_eur",
"annual_double_capital_premium_eur",
"annual_triple_capital_premium_eur",
"supports_decreasing_capital",
"supports_mortgage_protection",
"capital_types"
],
"additionalProperties": false
}
},
"error": {
"type": "string"
},
"suggested_amounts_eur": {
"type": "array",
"items": {
"type": "number",
"exclusiveMinimum": 0
}
},
"missing_fields": {
"type": "array",
"items": {
"type": "string"
}
}
},
"required": [
"type",
"coverage_amount_eur"
],
"$schema": "http://json-schema.org/draft-07/schema#",
"additionalProperties": false
}🟢get_life_insurance_quote_details(insurer_id, birth_year, birth_month, birth_day, coverage_amount_eur, ...)
Returns the coverage sections, included and excluded items, payment options and premium variants of one quote, identified by an insurer id from list_life_insurance_quotes for the same date of birth and coverage amount. Residents of Spain only.
输入模式
{
"type": "object",
"properties": {
"insurer_id": {
"type": "integer",
"exclusiveMinimum": 0,
"maximum": 9007199254740991,
"description": "Insurer id returned by list_life_insurance_quotes"
},
"birth_year": {
"type": "integer",
"minimum": 1900,
"maximum": 2026,
"description": "Four-digit birth year"
},
"birth_month": {
"type": "integer",
"minimum": 1,
"maximum": 12,
"description": "Birth month from 1 to 12"
},
"birth_day": {
"type": "integer",
"minimum": 1,
"maximum": 31,
"description": "Birth day from 1 to 31"
},
"coverage_amount_eur": {
"type": "number",
"exclusiveMinimum": 0,
"maximum": 10000000,
"description": "Requested life-insurance coverage amount in euros"
},
"coverage_variant": {
"default": "death",
"description": "Coverage variant to inspect; use death when the user has not selected another variant",
"type": "string",
"enum": [
"death",
"death_and_disability",
"double_capital",
"triple_capital"
]
}
},
"required": [
"insurer_id",
"birth_year",
"birth_month",
"birth_day",
"coverage_amount_eur"
],
"$schema": "http://json-schema.org/draft-07/schema#"
}输出模式
{
"type": "object",
"properties": {
"type": {
"type": "string",
"const": "life_insurance_quote_details"
},
"insurer_id": {
"type": "integer",
"exclusiveMinimum": 0,
"maximum": 9007199254740991
},
"coverage_amount_eur": {
"type": "number",
"exclusiveMinimum": 0,
"maximum": 10000000,
"description": "Requested life-insurance coverage amount in euros"
},
"coverage_variant": {
"default": "death",
"description": "Coverage variant to inspect; use death when the user has not selected another variant",
"type": "string",
"enum": [
"death",
"death_and_disability",
"double_capital",
"triple_capital"
]
},
"quote": {
"type": "object",
"properties": {
"insurer_name": {
"type": "string"
},
"annual_death_premium_eur": {
"type": "number",
"minimum": 0,
"description": "Indicative annual death-only premium in euros; 0 means unavailable, not free"
},
"annual_death_and_disability_premium_eur": {
"type": "number",
"minimum": 0,
"description": "Indicative annual death-and-disability premium in euros; 0 means unavailable"
},
"annual_double_capital_premium_eur": {
"type": "number",
"minimum": 0,
"description": "Indicative annual double-capital premium in euros; 0 means unavailable"
},
"annual_triple_capital_premium_eur": {
"type": "number",
"minimum": 0,
"description": "Indicative annual triple-capital premium in euros; 0 means unavailable"
},
"selected_annual_premium_eur": {
"type": "number",
"exclusiveMinimum": 0,
"description": "Indicative annual premium for the selected available coverage variant"
},
"supports_decreasing_capital": {
"type": "boolean"
},
"supports_mortgage_protection": {
"type": "boolean"
},
"capital_types": {
"type": "array",
"items": {
"type": "string",
"enum": [
"fixed",
"decreasing"
]
}
},
"coverage_sections": {
"type": "array",
"items": {
"type": "object",
"properties": {
"heading": {
"type": "string"
},
"items": {
"type": "array",
"items": {
"type": "object",
"properties": {
"title": {
"type": "string"
},
"included": {
"type": "boolean"
},
"note": {
"anyOf": [
{
"type": "string"
},
{
"type": "null"
}
]
}
},
"required": [
"title",
"included",
"note"
],
"additionalProperties": false
}
}
},
"required": [
"heading",
"items"
],
"additionalProperties": false
}
},
"payment_options": {
"type": "array",
"items": {
"type": "object",
"properties": {
"title": {
"type": "string"
},
"included": {
"type": "boolean"
},
"note": {
"anyOf": [
{
"type": "string"
},
{
"type": "null"
}
]
}
},
"required": [
"title",
"included",
"note"
],
"additionalProperties": false
}
}
},
"required": [
"insurer_name",
"annual_death_premium_eur",
"annual_death_and_disability_premium_eur",
"annual_double_capital_premium_eur",
"annual_triple_capital_premium_eur",
"selected_annual_premium_eur",
"supports_decreasing_capital",
"supports_mortgage_protection",
"capital_types",
"coverage_sections",
"payment_options"
],
"additionalProperties": false
}
},
"required": [
"type",
"insurer_id",
"coverage_amount_eur",
"coverage_variant",
"quote"
],
"$schema": "http://json-schema.org/draft-07/schema#",
"additionalProperties": false
}🟢start_life_insurance_application(insurer_id, birth_year, birth_month, birth_day, coverage_amount_eur, ...)
Returns the secure link to start an application on puntoseguro.com for one quote, identified by an insurer id from list_life_insurance_quotes, a coverage option, the date of birth and the coverage amount. The application, health questionnaire and signature are completed by the user on puntoseguro.com; this tool submits nothing and collects no personal data. The final premium is subject to the insurer's underwriting.
输入模式
{
"type": "object",
"properties": {
"insurer_id": {
"type": "integer",
"exclusiveMinimum": 0,
"maximum": 9007199254740991,
"description": "Insurer id returned by list_life_insurance_quotes for the same date of birth and coverage amount"
},
"birth_year": {
"type": "integer",
"minimum": 1900,
"maximum": 2026,
"description": "Four-digit birth year"
},
"birth_month": {
"type": "integer",
"minimum": 1,
"maximum": 12,
"description": "Birth month from 1 to 12"
},
"birth_day": {
"type": "integer",
"minimum": 1,
"maximum": 31,
"description": "Birth day from 1 to 31"
},
"coverage_amount_eur": {
"type": "number",
"exclusiveMinimum": 0,
"maximum": 10000000,
"description": "Requested life-insurance coverage amount in euros"
},
"coverage_variant": {
"default": "death",
"description": "Coverage option the user chose; death if the user has not chosen another",
"type": "string",
"enum": [
"death",
"death_and_disability",
"double_capital",
"triple_capital"
]
}
},
"required": [
"insurer_id",
"birth_year",
"birth_month",
"birth_day",
"coverage_amount_eur"
],
"$schema": "http://json-schema.org/draft-07/schema#"
}输出模式
{
"type": "object",
"properties": {
"type": {
"type": "string",
"const": "life_insurance_application_link"
},
"insurer_id": {
"type": "integer",
"exclusiveMinimum": 0,
"maximum": 9007199254740991
},
"insurer_name": {
"type": "string"
},
"coverage_amount_eur": {
"type": "number",
"exclusiveMinimum": 0,
"maximum": 10000000,
"description": "Requested life-insurance coverage amount in euros"
},
"coverage_variant": {
"type": "string"
},
"annual_premium_eur": {
"type": "number",
"minimum": 0
},
"application_url": {
"type": "string",
"format": "uri"
}
},
"required": [
"type",
"insurer_id",
"insurer_name",
"coverage_amount_eur",
"coverage_variant",
"annual_premium_eur",
"application_url"
],
"$schema": "http://json-schema.org/draft-07/schema#",
"additionalProperties": false
}社区
证据
最近观测
已验证未记录版本5 个工具