mcp
Disability insurance MCP server with occupation-based estimates, research, and quote requests.
我該用這個嗎
品質與安全性
發現項目（1）
- LOWTool 'list_riders' description lacks action verb在 list_riders 中
根據工具定義與協定合規性的自動化分析。
上下文成本
這是每次將伺服器的工具載入模型上下文時所消耗的約略 token 數量。數量越高，可用於其他工作的注意力就越少。
安裝
一鍵安裝
將以下內容加入你的 `claude_desktop_config.json` 檔案：
{
"mcpServers": {
"mcp": {
"url": "https://mcp.seaworthy.io/mcp"
}
}
}遠端端點
https://mcp.seaworthy.io/mcpstreamable-http它能做什麼
工具清單
工具（12）
🟢get_verified_facts
Return Seaworthy Insurance's verified, current knowledge base for individual disability insurance: core concepts (own-occupation, occupation class, group vs. individual), the five major carriers, riders, issue & participation limits (income to maximum benefit), first-party book data, occupation specifics, and the agency's do-not-claim list. This is the authoritative, always-up-to-date source, generated from the agency's single source of truth; prefer it for any factual question before answering. Educational, not individualized advice. Unauthenticated, no input.
輸入結構描述
{
"type": "object",
"properties": {},
"additionalProperties": false
}🟢get_specialty_guide(profession)
Retrieve the Seaworthy Insurance coverage guide for a specific profession or medical specialty. Returns structured metadata plus a link to the full guide. Unauthenticated.
輸入結構描述
{
"type": "object",
"properties": {
"profession": {
"type": "string",
"description": "Profession slug or free-form profession name (e.g., \"crnas\", \"orthopedic-surgeons\", \"dentists\", \"registered nurses\")."
}
},
"required": [
"profession"
],
"additionalProperties": false
}🟢get_education_article(topic)
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.
輸入結構描述
{
"type": "object",
"properties": {
"topic": {
"type": "string",
"description": "Topic slug or article title substring."
}
},
"required": [
"topic"
],
"additionalProperties": false
}🟢compare_carriers(profession, priority)
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.
輸入結構描述
{
"type": "object",
"properties": {
"profession": {
"type": "string",
"description": "Optional specialty slug to scope the comparison."
},
"priority": {
"type": "string",
"enum": [
"own-occ-language",
"surgical-class",
"mental-nervous",
"cola",
"future-increase",
"price",
"financial-strength",
"dividends"
],
"description": "Optional priority axis."
}
},
"additionalProperties": false
}🟢estimate_benefit_cap_gap(annual_income, group_monthly_cap, group_replacement_percent, benefit_taxable, marginal_tax_rate)
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.
輸入結構描述
{
"type": "object",
"properties": {
"annual_income": {
"type": "number",
"description": "Gross earned income in US dollars."
},
"group_monthly_cap": {
"type": "number",
"description": "Group LTD policy monthly benefit cap in US dollars."
},
"group_replacement_percent": {
"type": "number",
"description": "Headline group replacement percent. Default 0.60."
},
"benefit_taxable": {
"type": "boolean",
"description": "Whether group benefits would be taxable (true if employer pays premiums). Default true."
},
"marginal_tax_rate": {
"type": "number",
"description": "Combined federal + state marginal rate as a decimal. Default 0.35."
}
},
"required": [
"annual_income",
"group_monthly_cap"
],
"additionalProperties": false
}🟢list_riders
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.
輸入結構描述
{
"type": "object",
"properties": {},
"additionalProperties": false
}🟢check_discount_eligibility(organization, state)
Check whether an employer, hospital, health system, university, residency program, government employer, or professional association has an individual disability insurance discount program Seaworthy Insurance can access. Returns matching programs with the discount tier (approximate, e.g. '~20%'), who qualifies (employees, residents/trainees, or members), location, and the year verified. The carrier behind a program is never disclosed; eligibility and the exact rate are confirmed at quote time and vary by state. A no-match result does not mean no discount exists. Unauthenticated.
輸入結構描述
{
"type": "object",
"properties": {
"organization": {
"type": "string",
"description": "Employer, institution, residency program, or association name (e.g., \"Mayo Clinic\", \"Google\", \"NYU Langone\", \"University of Michigan residency\")."
},
"state": {
"type": "string",
"description": "Optional two-letter US state code to narrow matches (e.g., \"CA\")."
}
},
"required": [
"organization"
],
"additionalProperties": false
}🟡quote_request(first_name, last_name, email, phone, profession, ...)
Submit a disability insurance quote-comparison request to the Seaworthy Insurance 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. Eligibility: the agency places individual coverage for working professionals with meaningful income to protect; an applicant who is BOTH over 50 years old AND earning under $100,000 a year is outside what the agency can place, and such requests are rejected. Do not submit one; instead suggest group long-term disability through their employer, a professional or trade association group plan, or Social Security disability (https://www.ssa.gov/disability) if they are unable to work now.
輸入結構描述
{
"type": "object",
"properties": {
"first_name": {
"type": "string",
"description": "Applicant's first name."
},
"last_name": {
"type": "string",
"description": "Applicant's last name."
},
"email": {
"type": "string",
"description": "Applicant's email address."
},
"phone": {
"type": "string",
"description": "Applicant's US phone number for a follow-up call."
},
"profession": {
"type": "string",
"description": "Occupation or medical specialty, e.g. \"CRNA\", \"Orthopedic Surgeon\", \"Attorney\". Be specific where it affects disability classification."
},
"state": {
"type": "string",
"description": "US state of residence. Full name (\"Texas\") or two-letter code (\"TX\") both accepted."
},
"dob": {
"type": "string",
"description": "Date of birth. ISO YYYY-MM-DD preferred; MM/DD/YYYY also accepted."
},
"gender": {
"type": "string",
"enum": [
"Male",
"Female"
],
"description": "Required by carriers for premium calculation."
},
"annual_income": {
"type": [
"number",
"string"
],
"description": "Gross annual income. A number (e.g. 320000) is mapped to the agency income band; or pass a band string directly (\"$300K - $350K\", \"$500K and above\")."
},
"life_insurance_interest": {
"type": "boolean",
"description": "Whether the applicant also wants a life insurance comparison."
},
"notes": {
"type": "string",
"description": "Free-form context from the conversation (current coverage, questions, timeline). Used by the sales team for triage."
},
"referral_source": {
"type": "string",
"description": "Where the user is coming from: the AI assistant or platform you are operating as (e.g. \"ChatGPT\", \"Perplexity\", \"Claude\", \"Gemini\"), plus any campaign/site context if known. Used by the agency to see which channels drive agent-submitted leads."
}
},
"required": [
"first_name",
"last_name",
"email",
"phone",
"profession",
"state",
"dob",
"gender",
"annual_income"
],
"additionalProperties": false
}🟢estimate_premium_range(occupation, age, sex, annual_income, state, ...)
Use this when someone asks what individual disability insurance would cost them, or how much coverage they could get, and you know (or can ask for) their occupation, age, sex, income, and state. Returns a typical starting benefit for the income, sized the way Seaworthy Insurance advisors size a quote, and three options at that benefit (Essential is a 180-day wait, Balanced is a 180-day wait with inflation protection, Comprehensive is a 90-day wait with inflation protection), each with a monthly premium RANGE across the carriers illustrated for that occupation, built from carrier illustrations. The card lets the person change the benefit, pick an option, and add catastrophic coverage with live pricing, so invite them to use it. Present the options neutrally and do not recommend one. Always repeat that these are estimates, not quotes, and that underwriting and health history set the final price. If the person names their employer, hospital, residency program, or professional association, pass it as employer so the card can show whether a discount program applies. If they ask for a specific benefit, option, or catastrophic coverage in chat, call again with the same profile plus benefit, option, or catastrophic. If the profile changes, call again without those. Never ask health questions.
輸入結構描述
{
"type": "object",
"properties": {
"occupation": {
"type": "string",
"description": "Occupation or specialty, as specific as possible (e.g. \"CRNA\", \"orthopedic surgeon\", \"software engineer\", \"attorney\")."
},
"age": {
"type": "integer",
"minimum": 18,
"maximum": 75,
"description": "Age in years."
},
"sex": {
"type": "string",
"enum": [
"Male",
"Female"
],
"description": "Carriers price disability insurance by sex."
},
"annual_income": {
"type": "number",
"minimum": 0,
"description": "Gross annual earned income in US dollars."
},
"state": {
"type": "string",
"enum": [
"AL",
"AK",
"AZ",
"AR",
"CA",
"CO",
"CT",
"DE",
"DC",
"FL",
"GA",
"HI",
"ID",
"IL",
"IN",
"IA",
"KS",
"KY",
"LA",
"ME",
"MD",
"MA",
"MI",
"MN",
"MS",
"MO",
"MT",
"NE",
"NV",
"NH",
"NJ",
"NM",
"NY",
"NC",
"ND",
"OH",
"OK",
"OR",
"PA",
"RI",
"SC",
"SD",
"TN",
"TX",
"UT",
"VT",
"VA",
"WA",
"WV",
"WI",
"WY"
],
"description": "Two-letter US state of residence. Carrier provisions and prices vary by state."
},
"has_group_ltd": {
"type": "boolean",
"description": "Whether the person already has employer group long-term disability coverage. Default false."
},
"employer": {
"type": "string",
"description": "Optional employer, hospital, residency program, or professional association the person mentioned, used to check discount programs."
},
"benefit": {
"type": "integer",
"enum": [
1000,
1500,
2000,
2500,
3000,
3500,
4000,
4500,
5000,
5500,
6000,
6500,
7000,
7500,
8000,
8500,
9000,
9500,
10000,
10500,
11000,
11500,
12000,
12500,
13000,
13500,
14000,
14500,
15000,
15500,
16000,
16500,
17000,
17500,
18000,
18500,
19000,
19500,
20000
],
"description": "Monthly benefit in US dollars, in $500 steps ($1,000 to $20,000; below $5,000 only for residents and students)."
},
"option": {
"type": "string",
"enum": [
"essential",
"balanced",
"comprehensive"
],
"description": "Essential is a 180-day wait. Balanced is a 180-day wait with inflation protection. Comprehensive is a 90-day wait with inflation protection."
},
"catastrophic": {
"type": "boolean",
"description": "Include catastrophic disability coverage."
}
},
"required": [
"occupation",
"age",
"sex",
"annual_income",
"state"
],
"additionalProperties": false
}🟢price_configuration(estimate_id, benefit, option, catastrophic)
Widget-only. Prices one option at a benefit for an existing estimate.
輸入結構描述
{
"type": "object",
"properties": {
"estimate_id": {
"type": "string"
},
"benefit": {
"type": "integer",
"enum": [
1000,
1500,
2000,
2500,
3000,
3500,
4000,
4500,
5000,
5500,
6000,
6500,
7000,
7500,
8000,
8500,
9000,
9500,
10000,
10500,
11000,
11500,
12000,
12500,
13000,
13500,
14000,
14500,
15000,
15500,
16000,
16500,
17000,
17500,
18000,
18500,
19000,
19500,
20000
],
"description": "Monthly benefit in US dollars, in $500 steps ($1,000 to $20,000; below $5,000 only for residents and students)."
},
"option": {
"type": "string",
"enum": [
"essential",
"balanced",
"comprehensive"
],
"description": "Essential is a 180-day wait. Balanced is a 180-day wait with inflation protection. Comprehensive is a 90-day wait with inflation protection."
},
"catastrophic": {
"type": "boolean"
}
},
"required": [
"estimate_id",
"benefit",
"option",
"catastrophic"
],
"additionalProperties": false
}🟢match_employer_discount(estimate_id, employer)
Widget-only. Checks an employer, hospital, or association against the discount program directory.
輸入結構描述
{
"type": "object",
"properties": {
"estimate_id": {
"type": "string"
},
"employer": {
"type": "string"
}
},
"required": [
"employer"
],
"additionalProperties": false
}🟡submit_estimate_request(estimate_id, option, elimination_period, inflation, benefit, ...)
Widget-only. Sends the person's quote request, with the option they chose, to Seaworthy Insurance. Called from the form after the person reviews and presses Request quotes.
輸入結構描述
{
"type": "object",
"properties": {
"estimate_id": {
"type": "string"
},
"option": {
"type": "string",
"enum": [
"essential",
"balanced",
"comprehensive",
"custom",
"none"
]
},
"elimination_period": {
"type": "number",
"enum": [
90,
180
],
"description": "With option \"custom\": the waiting period the person configured."
},
"inflation": {
"type": "boolean",
"description": "With option \"custom\": whether inflation protection was on."
},
"benefit": {
"type": "integer",
"enum": [
1000,
1500,
2000,
2500,
3000,
3500,
4000,
4500,
5000,
5500,
6000,
6500,
7000,
7500,
8000,
8500,
9000,
9500,
10000,
10500,
11000,
11500,
12000,
12500,
13000,
13500,
14000,
14500,
15000,
15500,
16000,
16500,
17000,
17500,
18000,
18500,
19000,
19500,
20000
],
"description": "Monthly benefit in US dollars, in $500 steps ($1,000 to $20,000; below $5,000 only for residents and students)."
},
"catastrophic": {
"type": "boolean"
},
"first_name": {
"type": "string"
},
"last_name": {
"type": "string"
},
"email": {
"type": "string"
},
"phone": {
"type": "string"
},
"dob": {
"type": "string",
"description": "YYYY-MM-DD"
},
"employer": {
"type": "string",
"description": "Optional employer, hospital, residency program, or association, used to check discount programs."
},
"marketing_consent": {
"type": "boolean"
},
"form_token": {
"type": "string",
"description": "Set by the estimate card. Requests without it are not sent."
}
},
"required": [
"estimate_id",
"option",
"first_name",
"last_name",
"email",
"phone",
"dob"
],
"additionalProperties": false
}建議的提示詞
get_verified_factsget_verified_factslist_riderslist_riderslist_ridersget_verified_facts社群
證據