# 10Life Insurance (remote · mcp.10life.com)

Compare 10Life insurance. Single-trip travel is live. Stateless POST. GET returns 405.

- Trust score: 68/100 (medium)
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-11-05

## Components

- remote · `mcp.10life.com`: 68/100 (this document), [markdown](https://verifymcp.io/servers/com-10life-insurance/mcp.md), [page](https://verifymcp.io/servers/com-10life-insurance/mcp)

## Channel facts

- Endpoint: `https://mcp.10life.com/mcp`
- Transports: `streamable-http`
- Auth: `none`
- Version: `1.0.0`

## Trust breakdown

How this component scores in each security and reliability category. Every signal is checked automatically against the live server, and we only credit what we can confirm. Scores are 0–100 per category. Scoring method: https://verifymcp.io/docs/scoring (what has changed: https://verifymcp.io/docs/scoring/changelog)

Scored 2026-11-05.

- **Endpoint Security**: 74/100
  - The endpoint's TLS certificate is valid, in date, and uses a strong key.
  - No authorisation is required to call this server. Nothing on it is marked destructive, but we can't show that an anonymous caller can only read: full credit needs the server to list at least one tool and every tool to be verifiably read-only. We use a best-effort check of tool names and descriptions to tell read-only tools from tools that change things, so some genuinely read-only tools may not get full credit. Names that start with a read verb (get, list, read, search and similar) and accurate readOnlyHint annotations help. Meet that to earn full credit, or require authorisation.
  - HTTPS is enforced; there's no plaintext access path.
  - HSTS check failed: the Strict-Transport-Security header is absent.
  - DNSSEC check failed: this domain isn't protected by DNSSEC.
- **Transport & Reachability**: 100/100
  - Verified streamable-http transport via a live MCP handshake.
- **Schema Quality & AI Usability**: 52/100
  - AI-judged instruction clarity (good).
  - Context-footprint check failed: tool/resource definitions use about 1598 tokens (~532/item across 3 items; 3 tools + 0 resources), over budget; trim descriptions and params.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 20/100
  - Stability observed for 6 of 30 days with no destabilising changes; credit accrues until the full window elapses.
- **Tool Coverage**: 100/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 100% of tool parameters carry a description.
  - Structured output schemas are declared (67% of tools); any adoption earns full credit.
- **Tool Safety**: 100/100
  - No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.
  - We read all 3 captured tool definition(s), and no name or description among them implies an irreversible operation.
  - An AI judge read all 4 captured unit(s) of tool text and found none that tries to manipulate the model reading it.
- **Capabilities**: 60/100
  - Spec-recency check failed: implements MCP spec 2025-06-18; the latest is 2026-07-28.

## Install

### How do I install the 10Life Insurance MCP server?

10Life Insurance is a hosted endpoint at https://mcp.10life.com/mcp, so there is nothing to install locally. Ready-made configuration for Claude, Cursor, VS Code, Codex and 5 more is on this page, copied from each client's own documentation.

### Claude

```bash
claude mcp add --transport http com-10life-insurance 'https://mcp.10life.com/mcp'
```

### Cursor

```json
{
  "mcpServers": {
    "com-10life-insurance": {
      "url": "https://mcp.10life.com/mcp"
    }
  }
}
```

### VS Code

```json
{
  "servers": {
    "com-10life-insurance": {
      "type": "http",
      "url": "https://mcp.10life.com/mcp"
    }
  }
}
```

### Codex

```toml
[mcp_servers.com-10life-insurance]
url = "https://mcp.10life.com/mcp"
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "com-10life-insurance": {
      "type": "remote",
      "url": "https://mcp.10life.com/mcp",
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add com-10life-insurance --url 'https://mcp.10life.com/mcp' --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  com-10life-insurance:
    url: "https://mcp.10life.com/mcp"
```

### Netclaw

```json
{
  "McpServers": {
    "com-10life-insurance": {
      "Transport": "http",
      "Url": "https://mcp.10life.com/mcp"
    }
  }
}
```

### Vellum

```bash
assistant mcp add com-10life-insurance -t streamable-http -u 'https://mcp.10life.com/mcp'
```

### Other

```json
{
  "mcpServers": {
    "com-10life-insurance": {
      "type": "http",
      "url": "https://mcp.10life.com/mcp"
    }
  }
}
```

The mcpServers block is a cross-client convention. Remote transports vary, so check your client's docs.

## Changelog

Every change recorded for this component, newest first. Days that predate change tracking, or that we cannot explain, say so: "we were watching and nothing happened" and "we were not watching" are different claims.

### 2026-11-05 (score 68, +5)

- [security improvement] HTTPS: unverified → pass

### 2026-11-03 (score 63, +1)

No change was recorded against any check on this day. Stability & Change Management went from 10 to 13. That category is still filling its 30-day observation window: 3 days of observed history at the previous scan, 4 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-11-01 (score 62, +1)

No change was recorded against any check on this day. Stability & Change Management went from 3 to 7. That category is still filling its 30-day observation window: 1 days of observed history at the previous scan, 2 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-10-31 (score 61, 0)

- [functional improvement] Stability: unverified → 0.03

### 2026-10-30 (score 61)

First indexed and scored.

## MCP tools (3)

### `describe_travel_decoder` (~62 tokens)

Describe travel comparison

List single-trip destinations, insurers, feature filters, score floors, and sort orders. Call this before list_travel_plans. Plans from later calls include purchase_url for the user who wants to buy. Comparison data is not a personal recommendation or a policy.

### `list_travel_plans` (~609 tokens)

List travel plans

Return at most 5 single-trip travel plans for one destination, trip length, and traveller mix, with scores, cover limits, premium, and purchase_url. There is no next page. Figures are indicative. The product page is the authority for price and cover.

Input parameters:

- `callReason` (string, required): Required. One or two sentences in the user's language stating their intention for this comparison: the trip, and what they want to optimize when they said so (price, medical cover, cancellation, belo…
- `carRentalExcess` (boolean): Keep only plans with 租車自付額.
- `durationDays` (number, required): Trip length in days. Required when dates are omitted. At least 1.
- `endDate` (string): Trip end YYYY-MM-DD. Default is start plus durationDays minus one day.
- `extremeSportsMedical` (boolean): Keep only plans with 業餘運動醫療保障.
- `followUpPhysiotherapy` (boolean): Keep only plans with 物理治療覆診.
- `insurerCodes` (array): Insurer codes from describe_travel_decoder. Case-insensitive.
- `locale` (string): zh-Hant-HK (default) or en.
- `lossOfTravelDocument` (boolean): Keep only plans with 遺失旅行證件.
- `mobilePhoneProtection` (boolean): Keep only plans with 手提電話保障.
- `premiumMax` (number): Maximum payable premium in HKD, after discount.
- `premiumMin` (number): Minimum payable premium in HKD, after discount.
- `priorRecommendationId` (string): recommendationId from an earlier list_travel_plans response, when this call continues that comparison.
- `regionCodes` (array): Destination codes from describe_travel_decoder. Default ["japan"]. Same role as geo_region[] on the comparison page.
- `sort` (string): Sort order. Default instant_purchase_first (即時投保優先). overall_score is 10Life評分. premium_by_plan is 保費 (低至高). medical_emergency_score is 醫療及緊急支援評分. accident_score is 個人意外評分. inconv_score is 旅程受阻評分. pr…
- `startDate` (string): Trip start YYYY-MM-DD. Default is today before 23:00 Hong Kong time, otherwise tomorrow.
- `tenlifeScoreMin` (number): Minimum 10Life score before destination weighting. Use 8, 7, or 6. Omit or 0 for any score.
- `travellers` (object): Traveller counts for this trip.
- `type` (string): Must be single. Annual travel is rejected.

Output parameters:

- `meta` (object)
- `plans` (array)

### `get_travel_plan` (~610 tokens)

Get one travel plan

Return one single-trip plan under the same filters as list_travel_plans, including purchase_url. A plan that does not match the filters is not found. Figures are indicative.

Input parameters:

- `callReason` (string, required): Required. One or two sentences in the user's language stating their intention for this comparison: the trip, and what they want to optimize when they said so (price, medical cover, cancellation, belo…
- `carRentalExcess` (boolean): Keep only plans with 租車自付額.
- `durationDays` (number, required): Trip length in days. Required when dates are omitted. At least 1.
- `endDate` (string): Trip end YYYY-MM-DD. Default is start plus durationDays minus one day.
- `extremeSportsMedical` (boolean): Keep only plans with 業餘運動醫療保障.
- `followUpPhysiotherapy` (boolean): Keep only plans with 物理治療覆診.
- `insurerCodes` (array): Insurer codes from describe_travel_decoder. Case-insensitive.
- `locale` (string): zh-Hant-HK (default) or en.
- `lossOfTravelDocument` (boolean): Keep only plans with 遺失旅行證件.
- `mobilePhoneProtection` (boolean): Keep only plans with 手提電話保障.
- `planCode` (string, required): plan_code from a previous list_travel_plans result.
- `premiumMax` (number): Maximum payable premium in HKD, after discount.
- `premiumMin` (number): Minimum payable premium in HKD, after discount.
- `priorRecommendationId` (string): recommendationId from an earlier list_travel_plans response, when this call continues that comparison.
- `regionCodes` (array): Destination codes from describe_travel_decoder. Default ["japan"]. Same role as geo_region[] on the comparison page.
- `sort` (string): Sort order. Default instant_purchase_first (即時投保優先). overall_score is 10Life評分. premium_by_plan is 保費 (低至高). medical_emergency_score is 醫療及緊急支援評分. accident_score is 個人意外評分. inconv_score is 旅程受阻評分. pr…
- `startDate` (string): Trip start YYYY-MM-DD. Default is today before 23:00 Hong Kong time, otherwise tomorrow.
- `tenlifeScoreMin` (number): Minimum 10Life score before destination weighting. Use 8, 7, or 6. Omit or 0 for any score.
- `travellers` (object): Traveller counts for this trip.
- `type` (string): Must be single. Annual travel is rejected.

Output parameters:

- `meta` (object)
- `plan` (object)

## Diagnostics

Captured diagnostic sections: TLS, DNSSEC, Authorisation, Transports. The full working is on the page: https://verifymcp.io/servers/com-10life-insurance/mcp#diagnostics

## Score history

- 2026-11-05: 68
- 2026-11-04: 63
- 2026-11-03: 63
- 2026-11-02: 62
- 2026-11-01: 62
- 2026-10-31: 61
- 2026-10-30: 61

## Common questions

### What is the 10Life Insurance MCP server?

10Life Insurance is an MCP server listed in the public MCP registry as com.10life/insurance. Compare 10Life insurance. Single-trip travel is live. Stateless POST. GET returns 405. This page covers its hosted endpoint (https://mcp.10life.com/mcp).

### Is the 10Life Insurance MCP server safe to use?

10Life Insurance scores 68 out of 100 on VerifyMCP. That is a record of what we were able to check automatically, not an endorsement. The category breakdown on this page shows every signal behind the number, including the ones we could not confirm.

### What tools does the 10Life Insurance MCP server expose?

10Life Insurance exposes 3 tools: describe_travel_decoder, list_travel_plans, get_travel_plan. Their descriptions and schemas cost roughly 1,281 tokens of context every time the server is loaded.

### Does the 10Life Insurance MCP server require authentication?

No. We connected to 10Life Insurance without credentials and it answered, so anything it exposes is reachable by anyone who knows the address.

### Is the 10Life Insurance MCP server still maintained?

10Life Insurance is still listed as active in the MCP registry. We last reached this channel on 5 November 2026. Those dates come from our own scans of the registry and the channel itself, not from anything the publisher announced.

### What did VerifyMCP test on the 10Life Insurance MCP server?

VerifyMCP ran 13 checks on 10Life Insurance, covering TLS certificate, Authorization, HTTPS, HSTS header and 9 more. Supply Chain Security and Provenance & Transparency do not apply to a hosted endpoint, so they were not tested. The score does not measure everything, and the scoring documentation lists what it leaves out.

## Links

- Remote endpoint: https://mcp.10life.com/mcp
- Website: https://www.10life.com/
- Changelog RSS feed: https://verifymcp.io/servers/com-10life-insurance/mcp.xml
- Changelog JSON feed: https://verifymcp.io/servers/com-10life-insurance/mcp/changelog.json
- Trust report (JSON): https://verifymcp.io/servers/com-10life-insurance/mcp.json
- HTML version of this page: https://verifymcp.io/servers/com-10life-insurance/mcp