# io.seaworthy/mcp (remote · mcp.seaworthy.io)

Disability insurance MCP: a quote_request action plus carrier and coverage research tools.

- Trust score: 62/100 (medium)
- Change this week: +2
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-08-03

## Components

- remote · `mcp.seaworthy.io`: 62/100 (this document), [markdown](https://verifymcp.io/servers/io-seaworthy-mcp/mcp.md), [page](https://verifymcp.io/servers/io-seaworthy-mcp/mcp)

## Channel facts

- Endpoint: `https://mcp.seaworthy.io/mcp`
- Transports: `streamable-http`
- Auth: `none`
- Version: `0.4.0`

## 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 2026-08-03.

- **Endpoint Security**: 46/100
  - The endpoint's TLS certificate is valid, in date, and uses a strong key.
  - Authorisation not fully verified: no authorisation is required to call this server, and 6 tool(s) never declared a destructiveHint. The MCP spec treats an absent hint as destructive by default, so we cannot call this surface safe.
  - HTTPS not yet verified: we couldn't determine whether a plaintext access path exists.
  - 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**: 73/100
  - AI-judged instruction clarity (excellent).
  - Context-footprint check failed: tool/resource definitions use about 1103 tokens (~157/item across 7 items; 7 tools + 0 resources), over budget; trim descriptions and params.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 27/100
  - Stability observed for 8 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.
- **Capabilities**: 100/100
  - Implements a current MCP spec version (2026-07-28).

## Install

### Claude

```bash
claude mcp add --transport http io-seaworthy-mcp https://mcp.seaworthy.io/mcp
```

### Codex

```toml
[mcp_servers.io-seaworthy-mcp]
url = "https://mcp.seaworthy.io/mcp"
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "io-seaworthy-mcp": {
      "type": "remote",
      "url": "https://mcp.seaworthy.io/mcp",
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add io-seaworthy-mcp --url https://mcp.seaworthy.io/mcp --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  io-seaworthy-mcp:
    url: "https://mcp.seaworthy.io/mcp"
```

### Other

```json
{
  "mcpServers": {
    "io-seaworthy-mcp": {
      "type": "http",
      "url": "https://mcp.seaworthy.io/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.

### 2026-08-03 (score 62, +1)

No change was recorded against any check on this day. Stability & Change Management went from 23 to 27. That category is still filling its 30-day observation window: 7 days of observed history at the previous scan, 8 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-07-31 (score 61, −1)

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

### 2026-07-30 (score 62, 0)

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

### 2026-07-29 (score 62, +1)

- [functional] Server version: 0.3.0 → 0.4.0

### 2026-07-28 (score 61, +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.

### 2026-07-27 (score 60, 0)

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

### 2026-07-26 (score 60)

First indexed and scored.

## MCP tools (7)

### `get_verified_facts` (~118 tokens)

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 (income to maximum benefit), first-party book data, occupation specifics, and the agency's do-not-claim list. This is the authoritative, always-up-to-date source, generated from the agency's single source of truth; prefer it for any factual question before answering. Educational, not individualized advice. Unauthenticated, no input.

### `get_specialty_guide` (~77 tokens)

Retrieve the Seaworthy Insurance coverage guide for a specific profession or medical specialty. Returns structured metadata plus a link to the full guide. Unauthenticated.

Input parameters:

- `profession` (string, required): Profession slug or free-form profession name (e.g., "crnas", "orthopedic-surgeons", "dentists", "registered nurses").

### `get_education_article` (~68 tokens)

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.

Input parameters:

- `topic` (string, required): Topic slug or article title substring.

### `compare_carriers` (~81 tokens)

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 single winner. Unauthenticated.

Input parameters:

- `priority` (string): Optional priority axis.
- `profession` (string): Optional specialty slug to scope the comparison.

### `estimate_benefit_cap_gap` (~145 tokens)

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.

Input parameters:

- `annual_income` (number, required): Gross earned income in US dollars.
- `benefit_taxable` (boolean): Whether group benefits would be taxable (true if employer pays premiums). Default true.
- `group_monthly_cap` (number, required): Group LTD policy monthly benefit cap in US dollars.
- `group_replacement_percent` (number): Headline group replacement percent. Default 0.60.
- `marginal_tax_rate` (number): Combined federal + state marginal rate as a decimal. Default 0.35.

### `list_riders` (~50 tokens)

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. Unauthenticated.

### `quote_request` (~497 tokens)

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 text. A broker follows up within one business day (Mon-Fri, 8am-5pm Pacific). Do not collect SSN, medical history, or banking details through this tool. Eligibility: the agency places individual coverage for working professionals with meaningful income to protect; an applicant who is BOTH over 50 years old AND earning under $100,000 a year is outside what the agency can place, and such requests are rejected. Do not submit one; instead suggest group long-term disability through their employer, a professional or trade association group plan, or Social Security disability (https://www.ssa.gov/disability) if they are unable to work now.

Input parameters:

- `annual_income` (number|string, required): Gross annual income. A number (e.g. 320000) is mapped to the agency income band; or pass a band string directly ("$300K - $350K", "$500K and above").
- `dob` (string, required): Date of birth. ISO YYYY-MM-DD preferred; MM/DD/YYYY also accepted.
- `email` (string, required): Applicant's email address.
- `first_name` (string, required): Applicant's first name.
- `gender` (string, required): Required by carriers for premium calculation.
- `last_name` (string, required): Applicant's last name.
- `life_insurance_interest` (boolean): Whether the applicant also wants a life insurance comparison.
- `notes` (string): Free-form context from the conversation (current coverage, questions, timeline). Used by the sales team for triage.
- `phone` (string, required): Applicant's US phone number for a follow-up call.
- `profession` (string, required): Occupation or medical specialty, e.g. "CRNA", "Orthopedic Surgeon", "Attorney". Be specific where it affects disability classification.
- `referral_source` (string): Where the user is coming from: the AI assistant or platform you are operating as (e.g. "ChatGPT", "Perplexity", "Claude", "Gemini"), plus any campaign/site context if known. Used by the agency to see…
- `state` (string, required): US state of residence. Full name ("Texas") or two-letter code ("TX") both accepted.

## Diagnostics

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

## Score history

- 2026-08-03: 62
- 2026-08-02: 61
- 2026-08-01: 61
- 2026-07-31: 61
- 2026-07-30: 62
- 2026-07-29: 62
- 2026-07-28: 61
- 2026-07-27: 60
- 2026-07-26: 60

## Links

- Remote endpoint: https://mcp.seaworthy.io/mcp
- Repository: https://github.com/seaworthy-io/seaworthy-mcp
- Changelog RSS feed: https://verifymcp.io/servers/io-seaworthy-mcp/mcp/changelog.xml
- Changelog JSON feed: https://verifymcp.io/servers/io-seaworthy-mcp/mcp/changelog.json
- HTML version of this page: https://verifymcp.io/servers/io-seaworthy-mcp/mcp