# PuntoSeguro · Seguros de vida y salud (remote · app.puntoseguro.com)

Spanish insurance broker: real life-insurance quotes from 10+ insurers, coverage and applications.

- Trust score: 82/100 (high trust)
- Change this week: +3
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-11-06

## Components

- remote · `app.puntoseguro.com`: 82/100 (this document), [markdown](https://verifymcp.io/servers/com-puntoseguro-seguros-vida-salud/app.md), [page](https://verifymcp.io/servers/com-puntoseguro-seguros-vida-salud/app)

## Channel facts

- Endpoint: `https://app.puntoseguro.com/mcp`
- Transports: `streamable-http`
- Auth: `none`
- Version: `3.9.1`

## 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 2026-11-06.

- **Endpoint Security**: 80/100
  - 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.
  - The HSTS (Strict-Transport-Security) header is present.
  - 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**: 78/100
  - 100% of prompts and resources have a non-trivial description (not blank, and not just the item's name).
  - AI-judged instruction clarity (excellent).
  - Context-footprint check failed: tool/resource definitions use about 2297 tokens (~208/item across 11 items; 7 tools + 4 resources), over budget; trim descriptions and params.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 60/100
  - Stability observed for 18 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 (100% 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 7 captured tool definition(s), and no name or description among them implies an irreversible operation.
  - An AI judge read all 9 captured unit(s) of tool text and found none that tries to manipulate the model reading it.
- **Capabilities**: 100/100
  - Implements a supported MCP spec version (2025-11-25); the latest is 2026-07-28.
  - Supports UI / widget rendering.

## Install

### How do I install the PuntoSeguro · Seguros de vida y salud MCP server?

PuntoSeguro · Seguros de vida y salud is a hosted endpoint at https://app.puntoseguro.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-puntoseguro-seguros-vida-salud 'https://app.puntoseguro.com/mcp'
```

### Cursor

```json
{
  "mcpServers": {
    "com-puntoseguro-seguros-vida-salud": {
      "url": "https://app.puntoseguro.com/mcp"
    }
  }
}
```

### VS Code

```json
{
  "servers": {
    "com-puntoseguro-seguros-vida-salud": {
      "type": "http",
      "url": "https://app.puntoseguro.com/mcp"
    }
  }
}
```

### Codex

```toml
[mcp_servers.com-puntoseguro-seguros-vida-salud]
url = "https://app.puntoseguro.com/mcp"
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "com-puntoseguro-seguros-vida-salud": {
      "type": "remote",
      "url": "https://app.puntoseguro.com/mcp",
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add com-puntoseguro-seguros-vida-salud --url 'https://app.puntoseguro.com/mcp' --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  com-puntoseguro-seguros-vida-salud:
    url: "https://app.puntoseguro.com/mcp"
```

### Netclaw

```json
{
  "McpServers": {
    "com-puntoseguro-seguros-vida-salud": {
      "Transport": "http",
      "Url": "https://app.puntoseguro.com/mcp"
    }
  }
}
```

### Vellum

```bash
assistant mcp add com-puntoseguro-seguros-vida-salud -t streamable-http -u 'https://app.puntoseguro.com/mcp'
```

### Other

```json
{
  "mcpServers": {
    "com-puntoseguro-seguros-vida-salud": {
      "type": "http",
      "url": "https://app.puntoseguro.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.

### 2026-11-06 (score 82, 0)

- [functional] We updated how we score, so this day's move reflects our rubric, not a change to the server

### 2026-11-05 (score 82, +1)

No change was recorded against any check on this day. Stability & Change Management went from 53 to 57. That category is still filling its 30-day observation window: 16 days of observed history at the previous scan, 17 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-11-04 (score 81, 0)

- [security improvement] Authorization: unverified → partial
- [security improvement] Injection markers: unverified → pass
- [functional improvement] Endpoint reachability: unreachable → reachable
- [functional improvement] Tool coverage: unverified → 100
- [functional improvement] Stability: unverified → 0.53
- [functional improvement] Schema quality: unverified → 100
- [functional improvement] MCP protocol: unverified → pass

### 2026-11-03 (score 81, 0)

- [security regression] Endpoint reachability: reachable → unreachable
- [security regression] Stability: 0.47 → unverified
- [security regression] Tool safety: pass → unverified
- [security regression] Authorization: partial → unverified
- [functional regression] Schema quality: 100 → unverified
- [functional regression] Capabilities: pass → unverified
- [functional regression] Tool coverage: 100 → unverified

### 2026-11-02 (score 81, +1)

No change was recorded against any check on this day. Stability & Change Management went from 43 to 47. That category is still filling its 30-day observation window: 13 days of observed history at the previous scan, 14 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-10-31 (score 80, +1)

No change was recorded against any check on this day. Stability & Change Management went from 37 to 40. That category is still filling its 30-day observation window: 11 days of observed history at the previous scan, 12 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-10-29 (score 79, +1)

No change was recorded against any check on this day. Stability & Change Management went from 30 to 33. That category is still filling its 30-day observation window: 9 days of observed history at the previous scan, 10 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-10-27 (score 78, +1)

- [security] The server rewrote its instructions, which are the text every model session reads
- [security] Tool “list_health_insurance_quotes” rewrote its description, which is the text the model reads
- [functional] Server version: 3.11.0 → 3.12.0

## MCP tools (7)

### `calculate_life_insurance_coverage` (~146 tokens)

Calculate life-insurance coverage

Calculates an indicative life-insurance coverage amount for a resident of Spain with PuntoSeguro's published method: five years of net annual income plus outstanding debts, minus existing life cover, rounded up to the nearest 10,000 EUR. Returns the amount and its breakdown. Informational only; not individualized financial advice, premiums or savings products.

Input parameters:

- `annual_net_income_eur` (number, required): Annual net income to protect for dependants, in euros
- `existing_life_cover_eur` (number): Existing life-insurance cover already in force, in euros
- `outstanding_debts_eur` (number): Outstanding debts, including mortgage balance, in euros

Output parameters:

- `additional_cover_needed_eur` (number)
- `annual_net_income_eur` (number)
- `calculated_coverage_eur` (number)
- `calculator_url` (string)
- `disclaimer` (string)
- `existing_life_cover_eur` (number)
- `gross_protection_need_eur` (number)
- `income_protection_eur` (number)
- `income_years` (number)
- `methodology` (string)
- `outstanding_debts_eur` (number)
- `rounded_to_eur` (number)
- `type` (string)

### `open_life_insurance_quote_form` (~97 tokens)

Open life-insurance quote form

Displays PuntoSeguro's life-insurance quote form, in which the user types an exact date of birth and chooses a coverage amount; submitting it shows the quotes available through PuntoSeguro. Optionally preselects a coverage amount. Sends and stores no personal data. Residents of Spain only.

Input parameters:

- `coverage_amount_eur` (number): Coverage amount in euros to preselect, only if the user already stated or calculated one

Output parameters:

- `coverage_amount_eur`
- `missing_fields` (array)
- `suggested_amounts_eur` (array)
- `type` (string)

### `list_life_insurance_quotes` (~182 tokens)

List life-insurance quotes

Returns the indicative annual life-insurance protection (vida riesgo) premiums available through PuntoSeguro for a resident of Spain, given an exact date of birth and a coverage amount: insurer ids, insurer names and premiums for death, death and disability, double and triple capital, and displays the comparison interface where supported. When the date of birth or the coverage amount is missing, it returns PuntoSeguro's quote form and the list of missing details instead of quotes. Results are limited to the insurers available through PuntoSeguro and are not a whole-market comparison.

Input parameters:

- `birth_day` (integer): Birth day from 1 to 31
- `birth_month` (integer): Birth month from 1 to 12
- `birth_year` (integer): Four-digit birth year
- `coverage_amount_eur` (number): Requested life-insurance coverage amount in euros

Output parameters:

- `coverage_amount_eur`
- `error` (string)
- `missing_fields` (array)
- `quote_count` (integer)
- `quotes` (array)
- `suggested_amounts_eur` (array)
- `type` (string)

### `get_life_insurance_quote_details` (~163 tokens)

Get life-insurance quote details

Returns the coverage sections, included and excluded items, payment options and premium variants of one quote, identified by an insurer id from list_life_insurance_quotes for the same date of birth and coverage amount. Residents of Spain only.

Input parameters:

- `birth_day` (integer, required): Birth day from 1 to 31
- `birth_month` (integer, required): Birth month from 1 to 12
- `birth_year` (integer, required): Four-digit birth year
- `coverage_amount_eur` (number, required): Requested life-insurance coverage amount in euros
- `coverage_variant` (string): Coverage variant to inspect; use death when the user has not selected another variant
- `insurer_id` (integer, required): Insurer id returned by list_life_insurance_quotes

Output parameters:

- `coverage_amount_eur` (number): Requested life-insurance coverage amount in euros
- `coverage_variant` (string): Coverage variant to inspect; use death when the user has not selected another variant
- `insurer_id` (integer)
- `quote` (object)
- `type` (string)

### `start_life_insurance_application` (~208 tokens)

Start a life-insurance application

Returns the secure link to start an application on puntoseguro.com for one quote, identified by an insurer id from list_life_insurance_quotes, a coverage option, the date of birth and the coverage amount. The application, health questionnaire and signature are completed by the user on puntoseguro.com; this tool submits nothing and collects no personal data. The final premium is subject to the insurer's underwriting.

Input parameters:

- `birth_day` (integer, required): Birth day from 1 to 31
- `birth_month` (integer, required): Birth month from 1 to 12
- `birth_year` (integer, required): Four-digit birth year
- `coverage_amount_eur` (number, required): Requested life-insurance coverage amount in euros
- `coverage_variant` (string): Coverage option the user chose; death if the user has not chosen another
- `insurer_id` (integer, required): Insurer id returned by list_life_insurance_quotes for the same date of birth and coverage amount

Output parameters:

- `annual_premium_eur` (number)
- `application_url` (string)
- `coverage_amount_eur` (number): Requested life-insurance coverage amount in euros
- `coverage_variant` (string)
- `insurer_id` (integer)
- `insurer_name` (string)
- `type` (string)

### `get_life_insurance_prices_by_age` (~177 tokens)

Get life-insurance prices by age

Returns annual life-insurance protection (vida riesgo) premiums available through PuntoSeguro for a resident of Spain, given an age in whole years and a coverage amount, without a date of birth: insurer ids, insurer names and premiums for death, death and disability, double capital, triple capital and death and disability plus 30,000 EUR for serious illnesses. Each premium is the highest that can apply at that age, so with the exact date of birth (list_life_insurance_quotes) the premium is the same or lower; the date of birth is also needed for the application link. Not a whole-market comparison.

Input parameters:

- `age` (integer, required): Age of the person to insure, in whole years (18-70)
- `coverage_amount_eur` (number, required): Requested life-insurance coverage amount in euros

Output parameters:

- `age` (integer)
- `coverage_amount_eur` (number)
- `price_note` (string)
- `quote_count` (integer)
- `quotes` (array)
- `type` (string)

### `list_health_insurance_quotes` (~188 tokens)

List health-insurance quotes

Returns indicative monthly private health-insurance (seguro de salud) premiums available through PuntoSeguro for residents of Spain, given the age of each person to insure and their province: insurer, product, cover type (full, outpatient or reimbursement), copay, main covers, documentation and a link to apply on puntoseguro.com, and displays the comparison interface where supported. When the ages or the province are missing, it returns PuntoSeguro's quote form and the list of missing details instead of quotes. Uses no medical information. Results are limited to the insurers available through PuntoSeguro and are not a whole-market comparison.

Input parameters:

- `insured_ages` (array): Age in whole years (0-99) of each person to insure, one entry per person
- `province` (string): Spanish province where the insured people live; for the Balearic Islands choose the island option

Output parameters:

- `currency` (string)
- `insured_count` (integer)
- `missing_fields` (array)
- `offer_count` (integer)
- `offers` (array)
- `premium_period` (string)
- `province` (string)
- `type` (string)
- `unavailable_insurers` (array)

## Diagnostics

Captured diagnostic sections: TLS, DNSSEC, Authorisation, Transports. The full working is on the page: https://verifymcp.io/servers/com-puntoseguro-seguros-vida-salud/app#diagnostics

## Score history

- 2026-11-06: 82
- 2026-11-05: 82
- 2026-11-04: 81
- 2026-11-03: 81
- 2026-11-02: 81
- 2026-11-01: 80
- 2026-10-31: 80
- 2026-10-30: 79
- 2026-10-29: 79
- 2026-10-28: 78
- 2026-10-27: 78
- 2026-10-26: 77
- 2026-10-25: 77
- 2026-10-24: 76
- 2026-10-23: 76
- 2026-10-22: 75
- 2026-10-21: 75
- 2026-10-20: 74
- 2026-10-19: 74

## Common questions

### What is the PuntoSeguro · Seguros de vida y salud MCP server?

PuntoSeguro · Seguros de vida y salud is an MCP server listed in the public MCP registry as com.puntoseguro/seguros-vida-salud. Spanish insurance broker: real life-insurance quotes from 10+ insurers, coverage and applications. This page covers its hosted endpoint (https://app.puntoseguro.com/mcp).

### Is the PuntoSeguro · Seguros de vida y salud MCP server safe to use?

PuntoSeguro · Seguros de vida y salud scores 82 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 PuntoSeguro · Seguros de vida y salud MCP server expose?

PuntoSeguro · Seguros de vida y salud exposes 7 tools: calculate_life_insurance_coverage, open_life_insurance_quote_form, list_life_insurance_quotes, get_life_insurance_quote_details, start_life_insurance_application, and 2 more. Their descriptions and schemas cost roughly 1,161 tokens of context every time the server is loaded.

### Does the PuntoSeguro · Seguros de vida y salud MCP server require authentication?

No. We connected to PuntoSeguro · Seguros de vida y salud without credentials and it answered, so anything it exposes is reachable by anyone who knows the address.

### Is the PuntoSeguro · Seguros de vida y salud MCP server still maintained?

PuntoSeguro · Seguros de vida y salud is still listed as active in the MCP registry. We last reached this channel on 6 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 PuntoSeguro · Seguros de vida y salud MCP server?

VerifyMCP ran 14 checks on PuntoSeguro · Seguros de vida y salud, covering TLS certificate, Authorization, HTTPS, HSTS header and 10 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://app.puntoseguro.com/mcp
- Website: https://www.puntoseguro.com/puntoseguro-en-chatgpt/
- Changelog RSS feed: https://verifymcp.io/servers/com-puntoseguro-seguros-vida-salud/app.xml
- Changelog JSON feed: https://verifymcp.io/servers/com-puntoseguro-seguros-vida-salud/app/changelog.json
- Trust report (JSON): https://verifymcp.io/servers/com-puntoseguro-seguros-vida-salud/app.json
- HTML version of this page: https://verifymcp.io/servers/com-puntoseguro-seguros-vida-salud/app