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Menlo Insurance Customer MCP

Menlo Insurance Services (Opero Labs Inc.) · Insurance & Annuities

MCP ServerCommunity

A customer-authorized MCP server for property and casualty insurance quote requests in California and Texas. Compatible assistants can discover quote products, start a private application, answer ordinary application questions, review the application and consent before requesting submission, and retrieve status and follow-up questions. Chat and the website share the same application questions and validation. Protected information, signatures and purchase remain on the website. Remote endpoint: the listed endpoint. Tool access is free; insurance premiums are separate. No investment advice, life insurance or annuities, and no insurance services outside California or Texas.

property and casualtyinsurance quotesCaliforniaTexasconsumer insurance
Status
Community
Auth
None
Hosting
Remote
Community rating
Not rated yet
Role
System

Provides one system's data and actions. Reads and writes inside a single product of record; it can act, but only within its own walls. More on System servers → All seven roles →

Open documentation →

Caveats

  • Vendor-reported: the quote flow comes from the submitter. The endpoint answered an MCP handshake on October 6, 2026; the authorization model for starting a private application was not independently confirmed.
  • Property and casualty only, California and Texas only. No life insurance, annuities or investment advice.
  • Built for the end customer: an assistant can start and submit a quote application on the client's behalf. Advisors should not submit applications for clients without their direct consent.
  • Protected information, signatures and purchase stay on the Menlo website. Tool access is free; premiums are separate.
  • Start with read-only scopes and keep client-side approval prompts on until the connection is proven.
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How to connect Menlo Insurance Customer MCP

Step 1

Remote server: paste a URL

Menlo Insurance Customer MCP publishes a remote (Streamable HTTP) endpoint, so nothing is installed locally. Add it as a custom connector in Claude, ChatGPT or your IDE and paste the endpoint below.

Endpoint

https://www.menloinsurance.com/mcp

Client config snippet

{
  "mcpServers": {
    "9d2798b5-41f2-40c4-94f2-d103e4282e58": {
      "url": "https://www.menloinsurance.com/mcp"
    }
  }
}

Step 2

Authenticate with no credentials

No credentials are required for public data. Rate limits still apply, so avoid bulk pulls from a chat client.

Step 3

Verify, then widen access

Restart your client, confirm the server's tools appear, and run one read-only question first. Keep client-side approval prompts on for any tool that can write, trade or send. Confirm with your firm's compliance policy before connecting systems holding client data.

Prompts that use this server

Starter prompts from the Practice Stacks that rely on Insurance & Annuities.

Planning data-gathering gap check

What's still missing before a plan can be built.

Financial PlanningFinancial PlanningInsurance & Annuities

Read-only: compare the planning inputs on file for <client name> in the planning tool against what the insurance and annuity records actually show, and list what is missing, stale or inconsistent before I build or update a plan: income, expenses, balances, coverage amounts, riders, premiums, beneficiaries, goals and assumptions. Output Item / Value in plan / Value at source / Status / Last updated. Do not edit the plan or write any assumption, flag gaps and mismatches rather than filling them in.

Guardrail · Read-only. Never let a tool invent a planning assumption.

Insurance and protection gap review

Coverage on file versus what the plan implies.

Financial PlanningInsurance & AnnuitiesFinancial Planning

Read-only: list <client name>'s in-force coverage, life, disability, LTC, annuity riders, with carrier, benefit, term and cost, then compare against the protection need implied by the plan. Flag gaps and expiring coverage. No product recommendations and no applications. Note where policy data could not be verified.

Guardrail · Read-only. Product recommendations require suitability review, not a chat tool.

In-force policy summary

Every policy on one page, with the details that matter.

Insurance & Annuity ReviewInsurance & Annuities

Read-only: build one in-force summary for <client name> by combining every connected insurance source, carrier or policy-administration data and any independent policy-review or annuity-data tool. Show carrier, type, face amount or benefit, premium, term or maturity, ownership, beneficiaries and the source tool for each line, and flag any field where two sources disagree or one source has no record of a policy. Mask policy numbers to the last four characters. Do not change beneficiaries, request changes, or submit anything to a carrier.

Guardrail · Read-only. Beneficiary and ownership changes are never done from a chat tool.

Read the full connection guide →