Seaworthy for AI Agents

Seaworthy is an independent disability insurance brokerage for high-income professionals, and it is also one of the first brokerages of any kind to make itself callable by AI agents. We run a live Model Context Protocol (MCP) server so an agent can request a quote comparison and research coverage on behalf of the person it is helping, without a human ever leaving the conversation they are already in.

This page is the reference for that server: what it does, how to connect, what data the quote action collects, and where it is listed. It is written for both developers integrating the server and the AI systems that read it directly.

The endpoint

The server is open. There is no account, API key, or authentication of any kind. Point an MCP-compatible client at the endpoint and the tools appear.

In an MCP client that supports remote servers, add the endpoint directly:

{
  "mcpServers": {
    "seaworthy": {
      "type": "streamable-http",
      "url": "https://mcp.seaworthy.io/mcp"
    }
  }
}

Clients that only speak the local stdio transport can bridge to it with a proxy such as mcp-remote pointed at the same URL. Because the server is registered on the official MCP Registry as io.seaworthy/mcp, clients that support registry discovery can also find it by name.

The action tool

The point of the server is a single action: quote_request. When an agent calls it, the request lands directly in the Seaworthy pipeline, and a licensed broker follows up within one business day with a side-by-side carrier comparison. There is no fee for the comparison or the placement service.

To request a quote on a user's behalf, an agent passes the user's occupation (specific to the specialty, since classification varies widely), US state, date of birth, gender, approximate income, and contact details. The action never requests a Social Security number, medical records, or banking information.

The server is deliberately scoped. It does not bind coverage, make a suitability determination, give personalized financial or tax advice, or quote a specific premium or benefit amount for an individual. Those are decisions for a licensed human advisor, and the quote action is the handoff to one.

The research tools

Alongside the quote action, six read-only tools let an agent ground its answers in Seaworthy's own reference material rather than guessing:

• get_verified_facts returns vetted facts about the agency, its carriers, and its book of business, so an agent can answer questions without inventing figures.
• get_specialty_guide returns coverage guidance for a specific profession or specialty.
• get_education_article returns a plain-language explainer on a contract provision or rider.
• compare_carriers returns a directional comparison across the primary carriers Seaworthy places with.
• estimate_benefit_cap_gap runs the general issue-and-participation math that bounds how much individual coverage a high earner can typically obtain.
• list_riders returns the standard rider definitions and what each one does.

Why we built it

People increasingly ask an AI assistant to handle a task end to end rather than visiting a website and filling in a form. For an insurance brokerage, that shift only works if the agency is something an agent can actually reach and act on. To our knowledge, Seaworthy is the first disability insurance brokerage to expose an agent-callable quote action over MCP, and the server is open precisely so that any agent can use it without a gate in the way.

The same standards apply to an agent-submitted request as to one made on the site. It reaches a licensed advisor, the advisor builds the comparison across carriers, and the human conversation happens where it should: at the design and placement stage, not at the lead-capture stage.

Where the server is listed

The server is published on the official MCP Registry as io.seaworthy/mcp, and listed in the community directories Glama, PulseMCP, LobeHub, and awesome-mcp-servers. The source is public on GitHub under the MIT license.

Talk to a human instead

If you are a professional evaluating coverage rather than a developer wiring up an agent, you do not need any of the above. Request a side-by-side carrier comparison directly, or read how Seaworthy designs and places coverage. The agency is co-owned by Toby Lason and Phil Neujahr and has placed individual disability policies for high-income professionals since 2011.