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
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/mcpin 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. |
