io.seaworthy/mcp

Official12 toolsLive

by seaworthy-io · TypeScript

Disability insurance MCP server with occupation-based estimates, research, and quote requests.

The io.seaworthy/mcp server is a live Model Context Protocol (MCP) implementation focused on disability insurance workflows. It provides a quote_request action for agents to take actions on behalf of users, along with carrier and coverage research tools tied to Seaworthy Insurance, an independent brokerage specializing in insurance.

🛠️ Key Features

Model Context Protocol (MCP) server
quote_request action
Carrier research tools
Coverage research tools
Topics: cloudflare-workers, disability-insurance, insurance, mcp, model-context-protocol, typescript

🚀 Use Cases

Request disability insurance quotes via agent actions
Research carriers and coverage for disability insurance needs

⚡ Developer Benefits

Live MCP server for AI agents to execute quote_request
Structured tooling for carrier and coverage research

⚠️ Limitations

Limited detail available beyond a quote_request action and research tooling for carriers and coverage

Topics

cloudflare-workersdisability-insuranceinsurancemcpmodel-context-protocoltypescript

Captured live from the server via tools/list.

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.

Parameters

No parameters.

Raw schema

{
  "type": "object",
  "properties": {},
  "additionalProperties": false
}

get_specialty_guide

Retrieve the Seaworthy Insurance coverage guide for a specific profession or medical specialty. Returns structured metadata plus a link to the full guide. Unauthenticated.

Parameters1

profession

string

required

Profession slug or free-form profession name (e.g., "crnas", "orthopedic-surgeons", "dentists", "registered nurses").

Raw schema

{
  "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

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.

Parameters1

topic

string

required

Topic slug or article title substring.

Raw schema

{
  "type": "object",
  "properties": {
    "topic": {
      "type": "string",
      "description": "Topic slug or article title substring."
    }
  },
  "required": [
    "topic"
  ],
  "additionalProperties": false
}

compare_carriers

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.

Parameters2

profession	string	optional	Optional specialty slug to scope the comparison.
priority	string	optional	Optional priority axis.

Raw schema

{
  "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

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.

Parameters5

annual_income	number	required	Gross earned income in US dollars.
group_monthly_cap	number	required	Group LTD policy monthly benefit cap in US dollars.
group_replacement_percent	number	optional	Headline group replacement percent. Default 0.60.
benefit_taxable	boolean	optional	Whether group benefits would be taxable (true if employer pays premiums). Default true.
marginal_tax_rate	number	optional	Combined federal + state marginal rate as a decimal. Default 0.35.

Raw schema

{
  "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.

Parameters

No parameters.

Raw schema

{
  "type": "object",
  "properties": {},
  "additionalProperties": false
}

check_discount_eligibility

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.

Parameters2

organization	string	required	Employer, institution, residency program, or association name (e.g., "Mayo Clinic", "Google", "NYU Langone", "University of Michigan residency").
state	string	optional	Optional two-letter US state code to narrow matches (e.g., "CA").

Raw schema

{
  "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

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.

Parameters12

first_name	string	required	Applicant's first name.
last_name	string	required	Applicant's last name.
email	string	required	Applicant's email address.
phone	string	required	Applicant's US phone number for a follow-up call.
profession	string	required	Occupation or medical specialty, e.g. "CRNA", "Orthopedic Surgeon", "Attorney". Be specific where it affects disability classification.
state	string	required	US state of residence. Full name ("Texas") or two-letter code ("TX") both accepted.
dob	string	required	Date of birth. ISO YYYY-MM-DD preferred; MM/DD/YYYY also accepted.
gender	string	required	Required by carriers for premium calculation.
annual_income	number \| string	required	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	boolean	optional	Whether the applicant also wants a life insurance comparison.
notes	string	optional	Free-form context from the conversation (current coverage, questions, timeline). Used by the sales team for triage.
referral_source	string	optional	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.

Raw schema

{
  "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

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.

Parameters10

occupation	string	required	Occupation or specialty, as specific as possible (e.g. "CRNA", "orthopedic surgeon", "software engineer", "attorney").
age	integer	required	Age in years.
sex	string	required	Carriers price disability insurance by sex.
annual_income	number	required	Gross annual earned income in US dollars.
state	string	required	Two-letter US state of residence. Carrier provisions and prices vary by state.
has_group_ltd	boolean	optional	Whether the person already has employer group long-term disability coverage. Default false.
employer	string	optional	Optional employer, hospital, residency program, or professional association the person mentioned, used to check discount programs.
benefit	integer	optional	Monthly benefit in US dollars, in $500 steps ($1,000 to $20,000; below $5,000 only for residents and students).
option	string	optional	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	boolean	optional	Include catastrophic disability coverage.

Raw schema

{
  "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

Widget-only. Prices one option at a benefit for an existing estimate.

Parameters4

estimate_id	string	required
benefit	integer	required	Monthly benefit in US dollars, in $500 steps ($1,000 to $20,000; below $5,000 only for residents and students).
option	string	required	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	boolean	required

Raw schema

{
  "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

Widget-only. Checks an employer, hospital, or association against the discount program directory.

Parameters2

estimate_id	string	optional
employer	string	required

Raw schema

{
  "type": "object",
  "properties": {
    "estimate_id": {
      "type": "string"
    },
    "employer": {
      "type": "string"
    }
  },
  "required": [
    "employer"
  ],
  "additionalProperties": false
}

submit_estimate_request

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.

Parameters14

estimate_id	string	required
option	string	required
elimination_period	number	optional	With option "custom": the waiting period the person configured.
inflation	boolean	optional	With option "custom": whether inflation protection was on.
benefit	integer	optional	Monthly benefit in US dollars, in $500 steps ($1,000 to $20,000; below $5,000 only for residents and students).
catastrophic	boolean	optional
first_name	string	required
last_name	string	required
email	string	required
phone	string	required
dob	string	required	YYYY-MM-DD
employer	string	optional	Optional employer, hospital, residency program, or association, used to check discount programs.
marketing_consent	boolean	optional
form_token	string	optional	Set by the estimate card. Requests without it are not sent.

Raw schema

{
  "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
}

README.md5 KBView on GitHub

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

code

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

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, 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.

Install

Tools (12)

get_verified_factsget_specialty_guideget_education_articlecompare_carriersestimate_benefit_cap_gaplist_riderscheck_discount_eligibilityquote_request

Remote endpoint

Streamable HTTP

Hosted server - connect over the network, no local install.

url

https://mcp.seaworthy.io/mcp

Add to VS Code Add to Cursor

claude_desktop_config.json

json

{
  "mcpServers": {
    "mcp": {
      "command": "npx",
      "args": [
        "-y",
        "mcp-remote",
        "https://mcp.seaworthy.io/mcp"
      ]
    }
  }
}

Desktop config is stdio-only; this bridges via mcp-remote. Native remote: Settings > Connectors.

🛠️ Key Features

🚀 Use Cases

⚡ Developer Benefits

⚠️ Limitations

Topics

get_verified_facts

get_specialty_guide

get_education_article

compare_carriers

estimate_benefit_cap_gap

list_riders

check_discount_eligibility

quote_request

estimate_premium_range

price_configuration

match_employer_discount

submit_estimate_request

Seaworthy Insurance MCP Server

Endpoint

Tools

Estimate card

quote_request inputs

Try it

Stack

Author

License

Install

Remote endpoint

Related servers

`quote_request` inputs