CoverSavvy Term Life Rates

Connection

This is a Model Context Protocol (MCP) server using Streamable HTTP transport.

Endpoint: https://mcp.coversavvy.com/mcp

Works with Claude, ChatGPT, and any MCP-compatible AI agent or client.

Dataset

Field	Range
Ages	20–65 (46 values)
Genders	female, male
Health classes	preferred, standard, standard_tobacco
Coverage amounts	$100K – $4M (24 values)
Term lengths	10, 15, 20, 25, 30 years

Methodology: average of 2-3 lowest quotes from leading U.S. life insurance carriers.

Tools

list_options

Returns all valid parameter values. Call this first to know what's queryable.

Parameters: None

query_rates

Returns the monthly and annual premium for a specific profile.

Parameters (all required):

{
  "age": 35,            // integer, 20–65
  "gender": "male",     // "male" or "female"
  "health_class": "preferred",  // "preferred", "standard", or "standard_tobacco"
  "coverage": 500000,   // integer, see list_options for valid amounts
  "term": 20            // 10, 15, 20, 25, or 30
}

Returns: monthly_premium, annual_premium, carrier_count, source attribution

compare_terms

Returns rates across all term lengths for a fixed profile. Answers "should I get a 20 or 30 year term?"

Parameters: age, gender, health_class, coverage (same as query_rates, minus term)

compare_health_classes

Returns rates across all health classes for a fixed profile. Shows the cost impact of health rating.

Parameters: age, gender, coverage, term (same as query_rates, minus health_class)

Example: Claude Desktop

Add this to your Claude Desktop MCP config (claude_desktop_config.json):

{
  "mcpServers": {
    "coversavvy": {
      "url": "https://mcp.coversavvy.com/mcp"
    }
  }
}

Then ask Claude: "What's the monthly cost of a $500K, 20-year term life policy for a 35-year-old male in preferred health?"

Coverage Amounts

All 24 valid values:

$100,000
$200,000
$300,000
$400,000
$500,000
$600,000
$700,000
$800,000
$900,000
$1,000,000
$1,100,000
$1,200,000
$1,300,000
$1,400,000
$1,500,000
$1,600,000
$1,700,000
$1,800,000
$1,900,000
$2,000,000
$2,500,000
$3,000,000
$3,500,000
$4,000,000