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MCP server for Seaworthy Insurance providing disability insurance quote comparison, specialty guides, educational articles, benefit calculations, and quote submission capabilities.
Strong tool definitions with comprehensive schemas and well-written descriptions. Excellent use of tool annotations for security/UX signaling. All 7 tools have explicit registration in src/tools.ts with names, descriptions, and input schemas. Descriptions are detailed and contextually appropriate (range 194-892 chars). Schemas are well-typed with proper constraints (enums, required fields). Minor gaps: output schemas not documented, some parameter descriptions could be more prescriptive about formats/ranges, no explicit error handling patterns documented in tool definitions.
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.
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.
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.
Retrieve the Seaworthy Insurance coverage guide for a specific profession or medical specialty. Returns structured metadata plus a link to the full guide. Unauthenticated.
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.
Output schemas not documented in tool definitions. Clients cannot infer what fields to expect from responses, forcing exploratory trial-and-error calls and wasting tokens parsing unstructured output.
Parameter descriptions lack prescriptive constraints. E.g., 'annual_income' (number) should specify 'Gross earned income in US dollars; typically $50,000 - $1,000,000+.' Format constraints and ranges guide LLM input and catch invalid values before API calls.
quote_request description includes complex eligibility rules ('over 50 AND earning under $100K rejected') but no explicit error pattern documenting what the tool returns on rejection. Agents need to know: is this a 400 Bad Request, or a 403 Forbidden with a message?
Inferred effective spec: 2026-07-28+.
| Scored | Grade | Overall | Spec posture | Rubric |
|---|---|---|---|---|
| 2026-09-23 | B | 72 | 2026-07-28+ | v2 |
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.
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.
'dob' parameter in quote_request accepts two formats ('ISO YYYY-MM-DD preferred; MM/DD/YYYY also accepted') but does not formally declare this via JSON Schema pattern or enum. LLMs may pass invalid formats; the tool must validate and return actionable error.
profession parameter in compare_carriers description says 'Optional specialty slug' but does not provide examples or a reference to available slugs (vs. get_specialty_guide which documents examples). Agents may guess wrong values.