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OpenAPIGlossary1 tools Calculator1 tools Reference1 tools
InsureGlossary
48-term insurance glossary, a real out-of-pocket cost calculator, and a policy-type comparison
Unify Dynamics LLC
Tools3read-only
Sign-inNoneno account, no key
Data keptNoneprocessed in memory
PriceFreeoptional Pro limits
StatusLiveMCP + REST
Works withMCP · RESTany agent
Try asking
Real questions, and the tools your agent calls to answer them.
What does coinsurance mean?
Tools called
insurance_glossaryWhat's the difference between actual cash value and replacement cost?
Tools called
insurance_glossaryI have a $1,000 deductible, 20% coinsurance, and a $5,000 out-of-pocket max -- what does a $10,000 claim cost me?
Tools called
out_of_pocket_costWhat does homeowners insurance typically not cover?
Tools called
policy_type_comparisonHMO vs PPO, what's the difference?
Tools called
insurance_glossaryCompare auto, home, health, and life insurance coverage side by side
Tools called
policy_type_comparisonAbout
InsureGlossary is an insurance-literacy toolkit. insurance_glossary defines 48 terms across general, auto, home, health, and life insurance -- premium, deductible, copay, coinsurance, out-of-pocket max, actual cash value vs replacement cost, umbrella policy, rider, exclusion, subrogation, HMO vs PPO, term vs whole life, and more -- searchable by term or filterable by category. out_of_pocket_cost runs a claim through the real deductible -> coinsurance -> out-of-pocket-max waterfall: the member pays 100% up to the remaining deductible, then their coinsurance percentage of what's left (capped by remaining OOP-max room), after which the insurer pays 100% of the rest -- it accounts for amounts already met earlier in the period. policy_type_comparison lays out what auto, home, health, and life insurance typically cover, typically exclude, and their common riders, one type or all four side by side. General educational information, not insurance or legal advice.
Sources: Computed locally from a bundled insurance-terminology and policy-type reference dataset; the out-of-pocket calculator models the standard deductible/coinsurance/out-of-pocket-max cost-sharing structure used across US health, auto, and home policies -- fully local, zero upstream calls
Privacy
The publisher, Unify Dynamics LLC, states that tool inputs are processed in memory and not retained.
Data not collectedNo account, no profile, no stored prompts or results.
What it can do
3 tools, grouped by job. Every one is read-only or compute-only.
- Insurance glossaryDefinitions of 48 insurance terms across general, auto, home, health, and life insurance (premium, deductible, copay, coinsurance, out-of-pocket…
- Out of pocket costRuns a claim through the real deductible -> coinsurance -> out-of-pocket-max waterfall used by essentially every US health, auto, and home policy:…
- Policy type comparisonWhat auto, home, health, and life insurance typically cover, typically exclude, and their common optional riders — one policy type in depth, or…
Information
PublisherUnify Dynamics LLC
CategoryMoney & business
LanguagesEnglish
Built forUnited States
CompatibilityAny MCP client · any agent · REST
Version0.1.0
MCP endpoint
https://insureglossary.connectorbay.com/mcpREST APIopenapi.json
CountryWorldwide
Connect it to your agent
Three ways in, the same 3 tools.
MCP (Claude, Cursor, Windsurf, VS Code, any MCP client)
https://insureglossary.connectorbay.com/mcpREST
POST https://insureglossary.connectorbay.com/v1/tools/<tool>OpenAI function calling
https://connectorbay.com/openai/insureglossary.jsonOpenAI-compatible chat
https://connectorbay.com/v1/chat/completions · how it works- Add the MCP URL in your client's connector, MCP or integration settings (streamable HTTP, no OAuth).
- Key: none needed.
- Ask a question; the agent picks the right tool and answers from the live data.
InsureGlossary connector: questions and answers
What is the InsureGlossary connector?
InsureGlossary is an insurance-literacy toolkit. It is a hosted MCP server with 3 tools such as Insurance glossary, Out of pocket cost, Policy type comparison, published by Unify Dynamics LLC. It is independent and not affiliated with InsureGlossary.
How do I connect InsureGlossary to Claude, ChatGPT or Cursor?
Add the MCP endpoint https://insureglossary.connectorbay.com/mcp to your client's MCP, connector or integration settings (streamable HTTP, no OAuth). For REST, POST JSON to https://insureglossary.connectorbay.com/v1/tools/<tool>; the OpenAPI description is at /openapi.json. For OpenAI function calling, load https://connectorbay.com/openai/insureglossary.json.
Do I need an account or API key for InsureGlossary?
No. The connector needs no sign-in and no key. An optional Pro key only raises rate limits.
Is InsureGlossary read-only?
Yes. Every tool reads or computes. Nothing is created, changed, sent, paid or deleted in your account.
Is the InsureGlossary connector free?
Yes. It is free to use within the published rate limits; an optional Pro key raises them. There is no account to create.
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Documentation
Back to topWhat InsureGlossary is for
"What does coinsurance mean", "what's the difference between actual cash value and replacement cost", "I have a $1,000 deductible, 20% coinsurance, and a $5,000 out-of-pocket max — what will a $10,000 claim actually cost me", "what does homeowners insurance typically NOT cover" — the insurance-jargon and cost-sharing-math questions people ask before they call their agent or read the fine print themselves.
What it does
insurance_glossary defines 48 terms spanning general insurance concepts, auto, home, health, and life
insurance — premium, deductible, copay, coinsurance, out-of-pocket max, actual cash value vs. replacement
cost, umbrella policy, rider, exclusion, subrogation, HMO vs. PPO, term vs. whole life, and more — searchable
by term or filterable by category. out_of_pocket_cost runs a claim through the real deductible ->
coinsurance -> out-of-pocket-max waterfall used by essentially every US health, auto, and home policy: the
member pays 100% of costs up to the remaining deductible, then their coinsurance percentage of what's left
(capped by whatever out-of-pocket-max room remains), after which the insurer covers 100% of the rest — it
accounts for deductible and out-of-pocket amounts already met earlier in the period, for a mid-year claim.
policy_type_comparison lays out what auto, home, health, and life insurance typically cover, typically
exclude, and their common optional riders, one type in depth or all four side by side.
What it is not
Not insurance, legal, or financial advice, and not a substitute for your actual policy documents (the declarations page, policy wording, and Explanation of Benefits), your insurer, or a licensed insurance professional. The out-of-pocket calculator models the standard deductible/coinsurance/OOP-max structure used by most plans, but every real policy has its own definitions, sublimits, and exclusions that can change the right answer for a specific claim — always confirm against your actual policy before making a decision.
Built and maintained by Unify Dynamics LLC. Contact: agent@connectorbay.com.
Privacy policy
Back to topInsureGlossary — Privacy Policy
Effective 28 September 2026. Unify Dynamics LLC ("we", "us"), Menlo Park, California.
What InsureGlossary is. InsureGlossary is a connector (an MCP server and REST API) that AI assistants and personal agents call on your behalf to look up insurance terminology, run a generic out-of-pocket cost calculation, or compare policy types. You interact with your assistant; the assistant sends us only the numbers or terms needed for that one request.
What we receive. The arguments of each tool call — a glossary term or category, a claim amount, deductible, coinsurance percentage, and out-of-pocket max, or a policy type — the technical headers needed to serve the request (an IP address or a client identifier supplied by the assistant, and a Pro API key if you have one), and standard server logs.
Everything is computed locally from bundled reference data and the numbers you provide, and nothing is stored. There is no upstream call of any kind — the glossary and policy-type comparison are a bundled reference dataset, and the cost calculator is pure arithmetic — and no request, including any dollar figure you enter, is logged in request bodies, recorded, or used to train anything.
What we do not receive or store. We do not receive your conversation with the assistant, your name, your actual policy number, insurer name, or any other identifying or account information, and we do not build a profile from your queries: each request is answered independently and nothing carries over between requests. Rate-limit counters (a client identifier and timestamps) are held in memory for at most 24 hours. Hosting-provider access logs, which contain IP addresses and request paths but not request bodies, are retained for up to 30 days for security and abuse prevention.
Sub-processors. None — every tool is computed locally from a bundled dataset with no upstream call. Hosting: Vercel (United States regions).
Legal bases and your rights. Our processing is necessary to provide the service you request through your assistant. Because we store no personal data beyond short-lived logs, requests to access, correct or delete personal data are usually satisfied automatically; you can still contact agent@connectorbay.com and we will respond within 30 days. We do not sell or share personal information and do not use your data to train models.
Children. InsureGlossary is a general-audience service for adults; we knowingly collect no personal data from anyone.
Changes. We will post changes here with a new effective date.
Terms of service
Back to topInsureGlossary — Terms of Service
Effective 28 September 2026. These terms govern use of the InsureGlossary connector ("the Service") operated by Unify Dynamics LLC ("we", "us").
- The Service. InsureGlossary provides an insurance-terms glossary, an out-of-pocket cost calculator modeling a standard deductible/coinsurance/out-of-pocket-max structure, and a policy-type comparison reference — computed from bundled reference data and the numbers you provide. It is accessed through an AI assistant or directly over MCP or HTTP.
- Not insurance, legal, or financial advice. InsureGlossary's output is general educational information and a generic illustrative calculation — not a recommendation, not a quote, and not individualized insurance, legal, or financial advice. Consult your actual policy documents, your insurer, or a licensed insurance professional before making a decision.
- Generic model, not your specific policy. The out-of-pocket calculator models the deductible -> coinsurance -> out-of-pocket-max structure common to most US health, auto, and home policies. Real policies vary — sublimits, per-service copays, network tiers, and specific exclusions can all change your actual cost for a real claim. This tool does not know the terms of your specific policy.
- Reference data, not a substitute for your policy. The glossary and policy-type comparison describe common, general industry usage and typical coverage patterns; specific policies can define terms differently or add/remove coverage by endorsement. Always confirm against your actual policy wording.
- Acceptable use. Automated use within the published rate limits is welcome.
- Availability. The Service is provided "as is" without warranty. We may change, limit or discontinue it at any time.
- Data. Our Privacy Policy describes what we process. In short: every result is computed locally from bundled reference data and the numbers you provide, and nothing is stored.
- Pro keys. Optional Pro API keys are issued at our discretion, are personal to the holder and may be revoked for abuse.
- Liability. To the fullest extent permitted by law, Unify Dynamics LLC is not liable for any loss arising from use of, or reliance on, the Service, including any discrepancy between its output and an actual claim determination made by an insurer. Our total liability is limited to US $100.
- Governing law. California law; venue in San Mateo County, California.
- Contact. Unify Dynamics LLC · agent@connectorbay.com · https://connectorbay.com/insureglossary
Support
Back to topInsureGlossary support
Email agent@connectorbay.com. We answer within two business days.
- MCP endpoint:
https://insureglossary.connectorbay.com/mcp - REST API:
https://insureglossary.connectorbay.com/openapi.json - Live status: https://insureglossary.connectorbay.com/health
When you report a problem, include the question you asked your agent, roughly when, and which agent you used (for example Claude, ChatGPT or Gemini). Never send us passwords, account numbers or ID numbers. InsureGlossary never asks for them.