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MCP server for AI agents to request disability insurance quotes for high-income pros.
Grounded in available product and source data
Seaworthy Insurance MCP Server is a live Model Context Protocol server built by Toby Lason, Managing Partner at Seaworthy Insurance Agency, an independent brokerage specializing in individual disability insurance for high-income professionals such as physicians, dentists, CRNAs, attorneys, and executives. It lets AI agents act on a user's behalf against Seaworthy's own systems rather than just answering general questions about disability insurance. According to the project, this is, to its knowledge, the first disability insurance brokerage to expose an agent-callable quote action over MCP.
Its central tool is quote_request, which submits a disability insurance quote-comparison request to Seaworthy's sales pipeline on the user's behalf; the project states a licensed broker follows up within one business day. Required inputs are name, email, phone, profession, state, date of birth, gender, and annual income, with optional fields for life insurance interest, notes, and referral source. Five additional read-only tools support research before that step — get_specialty_guide, compare_carriers, estimate_benefit_cap_gap, list_riders, and get_education_article — covering profession-specific guidance, carrier comparisons, income-replacement gap math, rider definitions, and linked education articles respectively.
The endpoint (mcp.seaworthy.io/mcp) uses Streamable HTTP transport and does not require client authentication to connect. Rather than verifying who is calling it, the project states the write action is protected server-side through input validation, per-IP rate limiting, and duplicate suppression.
The project states it runs as a Cloudflare Worker written in TypeScript, exchanging stateless JSON-RPC messages over the Streamable HTTP transport.
The project states SSN, medical history, and banking details are never collected through any tool, and that read tools return only public, vendor-verified facts rather than personal records.
The project states submissions go only to Seaworthy's own CRM system (Salesforce Web-to-Lead) and nowhere else, and that the server keeps no conversation or query history.
The project states the calling agent must confirm the user has consented to being contacted before invoking quote_request.
