Show HN: An MCP server that lets AI agents request disability insurance quotes
Seaworthy Insurance has launched an MCP server that enables AI agents to submit disability insurance quote requests on behalf of users. It includes tools like quote_request, get_specialty_guide, and more, with a focus on security and privacy.
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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, this 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/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_specialty_guide read Coverage guidance for a specific profession or medical specialty.
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.
get_education_article read Retrieves a named education article as structured metadata plus a link.
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. SSN, medical history, and banking details are never collected through this tool.
Security & privacy
This is a remote, stateless server. Connecting a client runs no code on the user's machine and gives the server no access to the local filesystem.
Read tools return only public, vendor-verified facts.
The one write tool (quote_request) is guarded server-side by input validation, per-IP rate limiting, and duplicate suppression, not by client credentials. That is why the endpoint can be open without exposing the pipeline to abuse.
No sensitive data (SSN, medical, banking) is ever accepted, and the agent must confirm consent before submitting.
Minimal data flow: submissions go to Seaworthy's CRM (Salesforce Web-to-Lead) and nowhere else. The server keeps no conversation or query history, and no secrets live in this repository.
Full details and a private disclosure channel are in SECURITY.md.
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.
About
Open MCP server for disability insurance: an agent-callable quote_request action plus carrier/coverage research tools, by Seaworthy Insurance Agency.
Topics
typescript
insurance
mcp
cloudflare-workers
model-context-protocol
disability-insurance
Resources
Readme
License
MIT license
Security policy
Security policy
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JavaScript 12.5%