Seaworthy Insurance MCP server

• Registry nameio.seaworthy/mcpverified in the MCP registry

The registry name sits under seaworthy.io. The registry only lets a publisher use that namespace after proving control of the domain through DNS or HTTP.

• Stateanswerschecked 2026-10-18
• Tools12
• Server calls itselfSeaworthy Insurance MCP
• Server version0.5.0
• Protocol version2025-06-18

On 2026-10-18 the server answered initialize and tools/list without a sign-in. First answer in 317 ms.

• Whether its tools do the product's job has not been judged yet.

Said by rules from the measurements above. The likely first call is a model's pick from the tool list; read its description before relying on it.

• INITE MCP score86 of 100answers 100 · definitions 96 · context 91 · use 15 · connects 100
• Use3 GitHub stars
• Answered100% of days9 of 9 daily checks
• Median first answer438 ms
• Space in an agent's context≈ 4,119 tokensthe definitions of all its tools (14), which an agent carries on every turn
• Tool definitionsA · 96 of 100
• Typed results0 of 14 toolsdeclared outputSchema: results come typed, read once

• Parameters without a description: in 3 of 14

A program checks the server once a day: initialize and tools/list, no model. Tokens are the definitions' length at about four characters a token. The grade averages six checks of every tool's name, description, schema and annotations; it says how well the tools are described, not whether they work. The score weighs what was measured and nothing else: answering (25%), doing the product's job (25%), definitions (20%), context (10%), use (10%) and how readily a client connects (10%). A part that was not measured is left out, and a hidden instruction caps the score at 40. The state of vendors' MCP servers: method and numbers →

• 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…

• 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.

• 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.

• 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…

• 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.

• 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…

• 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…

• 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…

• 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…

• price_configuration

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

• match_employer_discount

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

• 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.