life_insurance
Life Insurance Needs Calculator (DIME) — Coverage need by the DIME method: debt + income replacement + mortgage + education, minus what you already have.
This record as markdown: /tools/com-wingmanprotocol-agent-gateway/life-insurance.md
What life_insurance does on Gateway
AI agents call life_insurance to retrieve information from Gateway without modifying anything. It is typically the context-gathering step in research, monitoring, and reporting workflows, before the agent takes action elsewhere.
| Parameter | Type | Required | Description |
|---|---|---|---|
debts | number | — | Non-mortgage debts in USD |
income_years | number | — | Years of income to replace (default 10) |
num_children | number | — | Number of children to fund education for |
annual_income | number | — | Annual income to replace in USD |
final_expenses | number | — | Final expenses/funeral in USD (default 15000) |
existing_savings | number | — | Savings available to the family in USD |
mortgage_balance | number | — | Outstanding mortgage balance in USD |
existing_coverage | number | — | Existing life-insurance coverage in USD |
education_per_child | number | — | Education fund per child in USD (default 100000) |
Parameters from the server's own tool schema.
Why life_insurance is rated Low
This tool performs a financial calculation to estimate life insurance coverage needs using the DIME method. It computes a numerical result from inputs (debt, income, mortgage, education, existing coverage) but does not execute any transactions, move money, or modify data. It is a read/query-style calculator with no side effects, similar to the other calculators listed among sibling tools.
From the tool's definition Life Insurance Needs Calculator (DIME) — Coverage need by the DIME method: debt + income replacement + mortgage + education, minus what you already have.
Attacks that exploit this kind of access
The rule that runs life_insurance safely
PolicyLayer is an MCP gateway: it sits between your AI agents and Gateway, and checks every tool call against a rule you set before the call runs. Nothing changes on the server itself. For life_insurance, this is the rule to start with:
life_insurance is read-only, so it stays allowed. Everything else on the server is denied unless you say otherwise.
The button opens the PolicyLayer dashboard: create your workspace, connect Gateway, apply this rule, and every life_insurance call is checked against it from then on.
Questions about life_insurance
Life Insurance Needs Calculator (DIME) — Coverage need by the DIME method: debt + income replacement + mortgage + education, minus what you already have. It is categorised as a Read tool in the Gateway MCP Server, which means it retrieves data without modifying state.
life_insurance accepts 9 parameters: debts, income_years, num_children, annual_income, final_expenses, existing_savings, mortgage_balance, existing_coverage, education_per_child. The full parameter table on this page comes from the server's own tool schema.
Register the Gateway MCP server in PolicyLayer and add a rule for life_insurance: allow, deny, rate-limit, or require approval. Point your MCP client at the PolicyLayer proxy URL and the rule is enforced on every call, before it reaches Gateway. Nothing to install.
life_insurance is a Read tool with low risk. Read-only tools are generally safe to allow by default.
Yes. Add a rate_limit block to the life_insurance rule in your PolicyLayer policy. For example, setting max: 10 and window: 60 limits the tool to 10 calls per minute. Rate limits are tracked per agent session and reset automatically.
Set action: deny in the PolicyLayer policy for life_insurance. The AI agent will receive a policy violation error and cannot call the tool. You can also include a reason field to explain why the tool is blocked.
life_insurance is provided by the Gateway MCP server (https://wingmanprotocol.com/mcp). PolicyLayer sits as a proxy in front of this server to enforce policies before tool calls reach the server.
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