# WhyLingxi 保险顾问 Insurance Advisor

> 保险产品搜索、推荐、保费试算、核保预检。覆盖65家保司483款产品。China insurance MCP server.

- name: cn.whylingxi/insurance
- version: 3.1.1
- connection class: unknown (unknown)
- trust: 56/100 flags: unreachable
- quality: 73/100 (needs work)
- owner: not claimed
- descriptor: https://api.protogrid.dev/v1/servers/cn.whylingxi%2Finsurance
- tools: https://api.protogrid.dev/v1/servers/cn.whylingxi%2Finsurance/tools

**Not classified yet.** The remote endpoints have not been probed successfully, or the listing has nothing to connect to.

## Connection (mcpServers)

```json
{
  "mcpServers": {
    "insurance": {
      "type": "http",
      "url": "https://whylingxi.cn/mcp"
    }
  }
}
```


## Trust

- hygiene: 100
- liveness: 0
- freshness: 65
- provenance: 75
- drivers: +repository +dns-namespace -unreachable(13 failures) ~updated-140d-ago
- Derived from observable signals (official registry feed and our own credential-free probes); no code audit performed.

## Quality 73/100 (needs work)

### protocol: 75 (weight 25)

- warn `protocol.modern`: newest supported version is 2025-03-26; 2026-07-28 not supported, older versions are deprecated until 2027-07-28
- n/a `protocol.stateless`: only applies to 2026-07-28 servers
- pass `protocol.transport`: streamable HTTP
- n/a `protocol.list_ttl`: only applies to 2026-07-28 servers

### authorization: n/a (weight 15)

- n/a `auth.prm`, `auth.as_metadata`, `auth.cimd`: no remote uses OAuth
- n/a `auth.secret_in_url`: no templated URL

### tool hygiene: 71 (weight 30)

- pass `tools.descriptions`: every tool has a description
- pass `tools.description_length`: descriptions are concise
- pass `tools.schemas`: every tool has an object input schema
- fail `tools.annotations`: no tool declares readOnlyHint or destructiveHint, so clients cannot tell safe calls from risky ones
- fail `tools.directory_hints`: no tool declares all four of readOnlyHint, destructiveHint, idempotentHint and openWorldHint; missing: check_underwriting (readOnlyHint, destructiveHint, idempotentHint, openWorldHint); compare_products (readOnlyHint, destructiveHint, idempotentHint, openWorldHint); recommend (readOnlyHint, destructiveHint, idempotentHint, openWorldHint); …
- pass `tools.token_cost`: about 886 tokens to load every tool
- pass `tools.api_dump`: tools are not a one-to-one API dump

### stability: n/a (weight 15)

- n/a `stability.changes`, `stability.rug_pull`: tool history not recorded yet

### dependencies: n/a (weight 15)

- n/a `deps.known_vulns`, `deps.mcp_sdk_version`, `deps.resolvable`: no npm or PyPI package

- tools: 9, about 886 tokens to load them all
- badge: [![protogrid quality](https://protogrid.dev/badge/cn.whylingxi/insurance.svg)](https://protogrid.dev/servers/cn.whylingxi/insurance)
- Checks run on what our credential-free, read-only probes observe; tools are never called and no code audit is performed.

### Tool changes

_No tool definition changes recorded._

## Remotes

- https://whylingxi.cn/mcp (streamable-http, auth none, reachable false, uptime30d 0.48)

## Packages

_none_

## Tools (9)

- `answer_question`: 回答保险知识问题。默认返回知识库检索结果；传synthesize:true可获得LLM整合答案。
- `chat`: 自然语言多轮对话（适合信息不确定、需要引导的场景，或人类用户直接使用）。
- `check_underwriting`: 核保预判：根据用户健康状况，评估各产品的可投保性（可正常投保/需加费除外/可能拒保）。
- `compare_products`: 对比2-5款产品的关键维度（保费、保障、免赔额、续保等），返回结构化对比表。
- `get_premium`: 查询指定产品在特定年龄/性别下的精确保费数据。
- `get_product_detail`: 获取单个产品的结构化信息。compact=true时只返回摘要字段，适合Agent快速浏览；默认返回完整信息含条款详情。
- `get_schema`: 获取调用策略和字段优先级。调用流程：(1)收集用户age后即可调recommend(2)有health_conditions时自动附带核保结论(3)include_reasoning默认false,Agent自行组织语言(4)返回的source_url可直接给用户作为投保链接。本工具返回各能力的字段优先级、缺失影响、默认行为。
- `recommend`: 根据用户画像推荐保险方案（核心工具）。信息不全也可调用——返回最佳推荐+缺失字段提示。传入health_conditions自动附带核保结论。默认纯数据模式(<100ms)，设include_reasoning:true生成自然语言理由(+3s)。
- `search_products`: 按条件搜索保险产品，返回结构化JSON列表。支持按险种、年龄、预算、关键词筛选。