# BackNine Life Insurance

> Compare life insurance quotes and start electronic applications with BackNine.

- name: com.back9ins/life-insurance
- version: 1.0.1
- connection class: R0 (autonomous)
- trust: 80/100 flags: no-repository
- quality: 85/100 (new)
- owner: not claimed
- descriptor: https://api.protogrid.dev/v1/servers/com.back9ins%2Flife-insurance
- tools: https://api.protogrid.dev/v1/servers/com.back9ins%2Flife-insurance/tools

**An agent can connect right now, no human step.** Remote endpoint, no authentication, reachable on the last probe.

## Connection (mcpServers)

```json
{
  "mcpServers": {
    "life-insurance": {
      "type": "http",
      "url": "https://app.back9ins.com/api/v1/mcp/public"
    }
  }
}
```


## Trust

- hygiene: 80
- liveness: 100
- freshness: 100
- provenance: 45
- drivers: +dns-namespace +reachable +uptime-100% +updated-3d-ago -no-repository
- Derived from observable signals (official registry feed and our own credential-free probes); no code audit performed.

## Quality 85/100 (new)

### protocol: 75 (weight 25)

- warn `protocol.modern`: newest supported version is 2025-11-25; 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: 93 (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
- pass `tools.annotations`: 8 of 8 tools declare readOnlyHint or destructiveHint
- pass `tools.directory_hints`: every tool declares readOnlyHint, destructiveHint, idempotentHint and openWorldHint
- warn `tools.token_cost`: about 24,139 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 recorded for 2 of the 7 days needed

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

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

- tools: 8, about 24,139 tokens to load them all
- tool set hash: 7abf65812e26d0264e19fe57d6e0b599
- tools last changed: 2026-10-18T23:12:26.506Z
- badge: [![protogrid quality](https://protogrid.dev/badge/com.back9ins/life-insurance.svg)](https://protogrid.dev/servers/com.back9ins/life-insurance)
- Checks run on what our credential-free, read-only probes observe; tools are never called and no code audit is performed.

### Tool changes

- 2026-10-18 `update_life_eapp_insured` changed (annotations)
- 2026-10-18 `update_life_eapp_quote` changed (annotations)

Full history: https://api.protogrid.dev/v1/servers/com.back9ins%2Flife-insurance/changes

## Remotes

- https://app.back9ins.com/api/v1/mcp/public (streamable-http, auth none, reachable true, uptime30d 1)

## Packages

_none_

## Tools (8)

- `create_life_eapp`: Create an eApp from a quote_id returned by any public quote tool and return its private apply_link. Call only after the user selects that quote and explicitly asks to start an application. Retries for the same quote reuse the eApp. Give the user the private apply_link and explain that they must open it to continue in Quote & Apply, complete the remaining application steps, and sign where required. This MCP action does not complete or submit the application to a carrier or bind coverage.
- `get_life_quote_requirements`: Get required inputs for anonymous US life insurance and long-term-care quotes across enabled non-annuity product types, including product-specific inputs, solves, health labels, and rider filters. No name, email, phone, SSN, account, or existing application is needed.
- `quote_final_expense`: Get final-expense life insurance quotes, including small burial/funeral coverage. Supports the platform coverage range of $5,000 to $100,000,000, subject to carrier/product limits. No term duration. Uses monthly or annual payments and an explicit assumed health value. Each returned quote_id can be used with create_life_eapp after user selection.
- `quote_life_eapp`: Get fresh non-annuity quotes for the eApp created through public MCP, using its saved rating inputs and optional scenario changes. Requires its private application_token. Does not change the application. Returned quote_id selections are bound to this application and its current revision.
- `quote_life_insurance`: Quote all supported non-annuity products: term, non-med term, return-of-premium term, final expense (fex), UL, accumulation IUL (iul), protection IUL (piul), VUL where enabled/licensed, whole life, linked benefits, traditional LTC, and accidental death. Supports LTC/chronic illness riders on life products. Call get_life_quote_requirements first for enabled products and each product's schema/health labels. Use explicit user inputs. Returns consumer product details, comparison benefits, exam/application guidance, illustration values when available, and signed quote_id selections for create_life_eapp. Annuities are excluded.
- `quote_term_life`: Get term-life quotes using explicit user-provided rating inputs. Results include consumer product details, benefit comparisons, and quote-based application guidance. Each result includes an opaque quote_id valid for 30 minutes. After the user selects a quote and requests an application, call create_life_eapp to get their application link. Never invent missing inputs or an underwriting class.
- `update_life_eapp_insured`: Update the primary or joint insured's name, email, phone, or supported rating inputs for the eApp created through public MCP. Requires its private application_token and explicit user confirmation. Rating changes invalidate the selected quote and require fresh quotes before selection. SSNs, payment data, medical answers, agent/domain overrides, and signed/submitted application edits are not accepted. Give the user the private apply_link and explain that they must open it to continue in Quote & Apply, complete the remaining application steps, and sign where required. This MCP action does not complete or submit the application to a carrier or bind coverage.
- `update_life_eapp_quote`: Select a quote returned by quote_life_eapp for that same application. Requires its private application_token, application-bound quote_id, and explicit user confirmation. Applies the selected rating inputs and quote, retains quote history, and returns the completion link. Rejects stale selections and locked/submitted applications. Give the user the private apply_link and explain that they must open it to continue in Quote & Apply, complete the remaining application steps, and sign where required. This MCP action does not complete or submit the application to a carrier or bind coverage.