# seaworthy.io MCP server

> seaworthy.io MCP server, an MCP server by seaworthy.io, listed from the official MCP registry. Indexed, not reviewed: facts and our own checks, no score or ranking. Disability insurance MCP server with occupation-based estimates, research, and quote requests.

- Canonical: https://www.anchorterminal.com/tools/seaworthy-mcp
- Markdown: https://www.anchorterminal.com/tools/seaworthy-mcp.md (~1,150 tokens)
- Slim: https://www.anchorterminal.com/tools/seaworthy-mcp.min.md (~1,080 tokens, same facts, less prose, for token-sensitive contexts)
- JSON: https://www.anchorterminal.com/tools/seaworthy-mcp.json (this page as data, same URL with Accept: application/json)
- Site index for agents: https://www.anchorterminal.com/llms.txt (full text: https://www.anchorterminal.com/llms-full.txt)
- API: https://www.anchorterminal.com/api/v1/index.json
- Updated: 2026-10-05

# seaworthy.io MCP server

> Indexed, not reviewed: facts from the official MCP registry and our own checks. No score, grade or rank, and not in the rankings until the panel reviews it. How the index works: https://www.anchorterminal.com/indexed/

- Kind: MCP server, by seaworthy.io (https://seaworthy.io)
- Listed because: It's published in the registry under seaworthy.io, a namespace the registry only gives to whoever proves they control that domain.
- What the official MCP registry says: Disability insurance MCP server with occupation-based estimates, research, and quote requests.

## Facts

- MCP registry: `io.seaworthy/mcp` 0.5.0
- Endpoint: https://mcp.seaworthy.io/mcp (streamable HTTP)
- Source: https://github.com/seaworthy-io/seaworthy-mcp
- GitHub stars: 3
- Registry entry updated: 2026-09-30

## Tools

- Tools it lists (12, about 3,891 tokens of context, `tools/list` without credentials over MCP 2026-07-28, checked 2026-10-04 22:25 UTC):
  - `get_verified_facts` (read-only): Return Seaworthy Insurance's verified, current knowledge base for individual disability insurance: core concepts (own-occupation, occupation class, group vs.…
  - `get_specialty_guide` (read-only): Retrieve the Seaworthy Insurance coverage guide for a specific profession or medical specialty. Returns structured metadata plus a link to the full guide.…
  - `get_education_article` (read-only): Retrieve a named education article by topic (e.g., "mental-nervous-limitations", "elimination-period", "group-vs-individual"). Returns structured metadata plus…
  - `compare_carriers` (read-only): Return a structured comparison of the five major individual disability carriers (Guardian, MassMutual, Principal, Ameritas, The Standard). Optional profession…
  - `estimate_benefit_cap_gap` (read-only): 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.…
  - `list_riders` (read-only): Return structured definitions and trade-offs for disability insurance riders: residual, COLA, future increase option, own-occupation enhancement, retirement…
  - `check_discount_eligibility` (read-only): Check whether an employer, hospital, health system, university, residency program, government employer, or professional association has an individual…
  - `quote_request` (writes): Submit a disability insurance quote-comparison request to the Seaworthy Insurance sales pipeline (writes a Lead to Salesforce). Before submitting, you MUST…
  - `estimate_premium_range` (read-only): 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…
  - `price_configuration` (read-only): Widget-only. Prices one option at a benefit for an existing estimate.
  - `match_employer_discount` (read-only): Widget-only. Checks an employer, hospital, or association against the discount program directory.
  - `submit_estimate_request` (writes): 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…
- How its tools read to an agent (0 errors, 3 warnings, 1 note, about 3,891 tokens; rules at https://www.anchorterminal.com/check.md; not part of the score):
  - warn TC11 match_employer_discount: none of its 2 parameters has a description
  - warn TC11 price_configuration: 2 parameters without a description: catastrophic, estimate_id
  - warn TC11 submit_estimate_request: 8 parameters without a description: catastrophic, email, estimate_id, first_name, last_name, marketing_consent and 2 more
  - note TC24 server: 12 of 12 tools have no outputSchema

- JSON: https://www.anchorterminal.com/api/v1/tools/seaworthy-mcp.json
- Being indexed says nothing about quality, and nobody can pay for it. Ask for a review: https://www.anchorterminal.com/builders/#claiming