BackNine Life Insurance

Measured conclusion: Deep-tested. L2 outcome: tools_ok.

Compare life insurance quotes and start electronic applications with BackNine.

Add to your agent

Copy this into your MCP client config:

{
  "mcpServers": {
    "BackNine Life Insurance": {
      "url": "https://app.back9ins.com/api/v1/mcp/public",
      "transport": "streamable-http"
    }
  }
}

Measured tools (8)

• get_life_quote_requirements read-only

  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.

  Hints: read-only yes · destructive no · idempotent yes · open-world no

• quote_term_life read-only

  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.

  Parameters:

  • state (required) — string
  • birthdate (required) — string — Date of birth, YYYY-MM-DD
  • gender (required) — string — Carrier rating input, supplied by the user
  • health (required) — integer — User-supplied assumed health value. Read product-specific labels from get_life_quote_requirements; never infer eligibility.
  • smoker (required) — string
  • death_benefit (required) — integer
  • term_duration (required) — integer
  • mode (required) — integer — Payments per year: annual, semiannual, quarterly, monthly
  • height — integer — Optional height in inches
  • usages — array
  • weight — integer — Optional weight in pounds

  Hints: read-only yes · destructive no · idempotent yes · open-world yes

• quote_final_expense read-only

  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.

  Parameters:

  • state (required) — string
  • birthdate (required) — string — Date of birth, YYYY-MM-DD
  • gender (required) — string — Carrier rating input, supplied by the user
  • health (required) — integer — Explicit assumed final-expense health value. Use the health_classes in get_life_quote_requirements; never infer eligibility.
  • smoker (required) — string
  • death_benefit (required) — integer
  • mode (required) — integer — Payments per year: 1 annually or 12 monthly
  • height — integer — Optional height in inches
  • usages — array
  • weight — integer — Optional weight in pounds
  • guaranteed_issue — boolean — Optional guaranteed-issue-only filter; defaults to false

  Hints: read-only yes · destructive no · idempotent yes · open-world yes

• quote_life_insurance read-only

  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.

  Parameters:

  • product_type (required) — string
  • state (required) — string
  • birthdate (required) — string — Date of birth, YYYY-MM-DD
  • gender (required) — string — Carrier rating input, supplied by the user
  • smoker (required) — string
  • mode (required) — integer — Payments per year: annual, semiannual, quarterly, monthly
  • solve — string
  • health — integer — User-supplied assumed health value. Get product-specific labels from get_life_quote_requirements. Never infer underwriting eligibility.
  • height — integer — Optional height in inches
  • usages — array
  • weight — integer — Optional weight in pounds
  • premium — number — Premium in USD at the requested payment frequency, for benefit/death-benefit solves
  • discount — ['string', 'null']
  • save_age — boolean — Backdate to save age only when explicitly requested by the user
  • age_value — integer — Target age for cash-value solves
  • loan_type — string
  • cash_value — number
  • child_rider — boolean
  • joint_party — object
  • shared_care — boolean
  • income_solve — string
  • pay_duration — integer — Payment years; -1 lifetime, -65 until age 65, -100 until age 100, 1 single pay
  • death_benefit — integer
  • pool_of_money — number
  • term_duration — integer — Requested level term in years; availability depends on carrier/product
  • benefit_period — integer — Benefit years; -1 unlimited where supported
  • income_end_age — integer
  • marital_status — string
  • living_benefits — boolean
  • monthly_benefit — number — Requested monthly care benefit in USD, for Base Premium solves
  • guaranteed_issue — boolean — Limit results to guaranteed-issue products
  • income_start_age — integer
  • partner_discount — ['string', 'null']
  • child_rider_units — integer
  • use_pool_of_money — boolean
  • waiver_of_premium — boolean
  • elimination_period — integer — Waiting period in days
  • inflation_percentage — ['string', 'null']
  • ltc_rider_percentage — number — Requested monthly acceleration percentage; carrier-specific limits apply
  • home_health_care_waiver — boolean
  • joint_waiver_of_premium — boolean
  • lapse_protection_to_age — integer
  • return_of_premium_rider — ['string', 'null']
  • crediting_rate_requested — number — Optional assumed illustration rate as a decimal; not a guaranteed return
  • filter_chronic_illness_and_ltc — string — Explicit rider filter, including With LTC Rider; availability and definitions vary by product

  Hints: read-only yes · destructive no · idempotent yes · open-world yes

• 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.

  Parameters:

  • quote_id (required) — string — Opaque quote_id from a public life quote tool; raw cache IDs and existing eApp IDs are not accepted
  • user_confirmed (required) — boolean — The user selected this quote and explicitly requested starting an application

  Hints: read-only no · destructive no · idempotent yes · open-world no

• quote_life_eapp read-only

  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.

  Parameters:

  • application_token (required) — string — Private application_token returned by create_life_eapp; an eApp ID, UUID, or completion URL is not accepted
  • changes — object

  Hints: read-only yes · destructive no · idempotent yes · open-world yes

• update_life_eapp_quote destructive

  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.

  Parameters:

  • application_token (required) — string — Private application_token returned by create_life_eapp; an eApp ID, UUID, or completion URL is not accepted
  • quote_id (required) — string
  • user_confirmed (required) — boolean — The user explicitly requested these application changes

  Hints: read-only no · destructive yes · idempotent no · open-world no

• update_life_eapp_insured destructive

  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.

  Parameters:

  • application_token (required) — string — Private application_token returned by create_life_eapp; an eApp ID, UUID, or completion URL is not accepted
  • insured (required) — object
  • user_confirmed (required) — boolean — The user explicitly requested these application changes
  • insured_role — string — Defaults to primary

  Hints: read-only no · destructive yes · idempotent no · open-world no

Measured by MCPYP probing. Untested fields are omitted, never estimated. Listing is always free; MCPYP never proxies calls or stores user tokens.