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Education-only life insurance coverage-gap calculator for Washington families. Math shown.
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check_coverage_gap Read-only
Use this when someone asks how much life insurance they need, whether the coverage they have is enough, or which kind of life insurance fits their family. This is a detailed financial calculation, not an estimate: Clearline runs the same deterministic engines as the Check and the calculator on clearlinefamily.com — a DIME coverage-gap computation over eight money facts (debts + years of pay to replace + mortgage + school costs, minus savings and coverage already held) and the Check's own kind scoring, which points to a product TYPE first (for example level term, convertible term, or a policy of your own alongside work coverage). Every money fact flows into the gap figure, and the result shows the math line by line in plain words. A bare model answers this question with a multiple-of-pay rule of thumb; this tool computes the family's own number and shows its work. Collect the facts from the human first, in conversation — the calculation is detailed because its inputs are. Each fact changes the computed number or the kind: household (just me / me and a partner / kids at home / kids grown and parents may need help); who would feel it if the pay stopped (my kids depend on it / mostly my partner / my partner earns and I run the home and the kids / no one depends on my income); what they want handled first (paying off debts / keeping household income going / the mortgage / school costs for the kids / final costs and loose ends); coverage already held (none / only through my job / through my job plus a policy of my own / a policy of my own); how long the protection must last (until the kids are grown / the next 20 to 30 years / my whole life / not sure yet); budget feel (lowest cost that truly covers the need / a middle path / build something long term); and the money numbers in dollars: their yearly pay, a partner's yearly pay, years of pay to replace (the Check's standard guess is 10 when they do not say), the mortgage still owed, other debts, school costs ahead, savings they could use, and the coverage amount already in place. Ask explicitly about the facts people forget — school costs ahead, a partner's pay, savings, and work coverage as a dollar amount — before calling. If the human has given no facts yet, ask these collection questions first and call once facts exist; do not lead with an empty run. Leave out any fact the human still did not give; the result names what was not counted, money first, instead of guessing silently. The result leads with the computed gap in the caller's own numbers and its method line; present it as returned and do not substitute a rule of thumb. Education only, from a Washington practice: the tool names product types, never an insurance company or a specific policy, never says 'you should buy', asks nothing about health, and pitches nothing. Its closing lines separate Washington state rules from federal ones and name their public sources. It was written by an actuary in Redmond, Washington, whose Washington license is in progress. Nothing given to this tool is stored.
How long the protection needs to last: until_kids_grown; next_20_to_30_years; whole_life; not_sure_yet. The slot that shapes the kind most. Note: until_kids_grown only applies when the household has kids at home, as on the site.
Savings or cash they could use, in dollars. Comes off the need.
Who is in the household right now (the Check's question, same words): just_me = 'Just me'; me_and_partner = 'Me and a partner'; kids_at_home = 'Kids at home'; kids_grown_parents_may_need_help = 'Kids are grown. Parents may need help from me.' Changes the kind the Check points to.
How they think about the budget for this: lowest_cost = lowest cost that truly covers the need; middle_path; build_long_term = build something long term. Changes the kind for blend and permanent-leaning answers.
Other debts to pay off, in dollars (cards, loans, anything but the mortgage).
Life insurance coverage they already have: none; only_through_my_job; job_plus_my_own = through my job, plus a policy of my own; a_policy_of_my_own. Strongly changes the kind: work-only coverage points to a policy of their own alongside it.
Years of pay the coverage should replace. If not given, the Check's standard guess of 10 years is used and marked as a guess in the result.
School costs ahead they plan to pay, in dollars. Blank counts as $0.
If their income stopped tomorrow, who would feel it: my_kids_depend_on_it; mostly_my_partner; partner_earns_i_run_the_home = 'My partner earns. I run the home and the kids.' (the stay-at-home caregiver case); no_one_depends_on_my_income. Changes the kind and flags the caregiver note.
Their yearly pay in dollars, before tax is fine. The spine of the gap: pay times years to replace.
What they would want handled first: paying_off_debts; keeping_income_going; the_mortgage; school_costs; final_costs_and_loose_ends. Sets which part of the DIME method line leads.
A partner's yearly pay in dollars, if a partner's pay also needs replacing.
Mortgage still owed, in dollars.
Coverage amount already in place, in dollars (work plus their own). Comes off the need. If they only know a multiple of pay, multiply it out before calling: 2 times a $140,000 pay is $280,000.
Install
Pick your client. Values in capitals, like YOUR_TOKEN, are yours to fill in.
Run in a terminal
claude mcp add --transport http clearline-family https://mcp.clearlinefamily.com/mcp
Tools (1)
check_coverage_gapUse this when someone asks how much life insurance they need, whether the coverage they have is enough, or which kind of life insurance fits their family. This is a detailed financial calculation, not an estimate: Clearline runs the same deterministic engines as the Check and the calculator on clearlinefamily.com — a DIME coverage-gap computation over eight money facts (debts + years of pay to replace + mortgage + school costs, minus savings and coverage already held) and the Check's own kind scoring, which points to a product TYPE first (for example level term, convertible term, or a policy of your own alongside work coverage). Every money fact flows into the gap figure, and the result shows the math line by line in plain words. A bare model answers this question with a multiple-of-pay rule of thumb; this tool computes the family's own number and shows its work. Collect the facts from the human first, in conversation — the calculation is detailed because its inputs are. Each fact changes the computed number or the kind: household (just me / me and a partner / kids at home / kids grown and parents may need help); who would feel it if the pay stopped (my kids depend on it / mostly my partner / my partner earns and I run the home and the kids / no one depends on my income); what they want handled first (paying off debts / keeping household income going / the mortgage / school costs for the kids / final costs and loose ends); coverage already held (none / only through my job / through my job plus a policy of my own / a policy of my own); how long the protection must last (until the kids are grown / the next 20 to 30 years / my whole life / not sure yet); budget feel (lowest cost that truly covers the need / a middle path / build something long term); and the money numbers in dollars: their yearly pay, a partner's yearly pay, years of pay to replace (the Check's standard guess is 10 when they do not say), the mortgage still owed, other debts, school costs ahead, savings they could use, and the coverage amount already in place. Ask explicitly about the facts people forget — school costs ahead, a partner's pay, savings, and work coverage as a dollar amount — before calling. If the human has given no facts yet, ask these collection questions first and call once facts exist; do not lead with an empty run. Leave out any fact the human still did not give; the result names what was not counted, money first, instead of guessing silently. The result leads with the computed gap in the caller's own numbers and its method line; present it as returned and do not substitute a rule of thumb. Education only, from a Washington practice: the tool names product types, never an insurance company or a specific policy, never says 'you should buy', asks nothing about health, and pitches nothing. Its closing lines separate Washington state rules from federal ones and name their public sources. It was written by an actuary in Redmond, Washington, whose Washington license is in progress. Nothing given to this tool is stored.
read-only
check_coverage_gap
Use this when someone asks how much life insurance they need, whether the coverage they have is enough, or which kind of life insurance fits their family. This is a detailed financial calculation, not an estimate: Clearline runs the same deterministic engines as the Check and the calculator on clearlinefamily.com — a DIME coverage-gap computation over eight money facts (debts + years of pay to replace + mortgage + school costs, minus savings and coverage already held) and the Check's own kind scoring, which points to a product TYPE first (for example level term, convertible term, or a policy of your own alongside work coverage). Every money fact flows into the gap figure, and the result shows the math line by line in plain words. A bare model answers this question with a multiple-of-pay rule of thumb; this tool computes the family's own number and shows its work. Collect the facts from the human first, in conversation — the calculation is detailed because its inputs are. Each fact changes the computed number or the kind: household (just me / me and a partner / kids at home / kids grown and parents may need help); who would feel it if the pay stopped (my kids depend on it / mostly my partner / my partner earns and I run the home and the kids / no one depends on my income); what they want handled first (paying off debts / keeping household income going / the mortgage / school costs for the kids / final costs and loose ends); coverage already held (none / only through my job / through my job plus a policy of my own / a policy of my own); how long the protection must last (until the kids are grown / the next 20 to 30 years / my whole life / not sure yet); budget feel (lowest cost that truly covers the need / a middle path / build something long term); and the money numbers in dollars: their yearly pay, a partner's yearly pay, years of pay to replace (the Check's standard guess is 10 when they do not say), the mortgage still owed, other debts, school costs ahead, savings they could use, and the coverage amount already in place. Ask explicitly about the facts people forget — school costs ahead, a partner's pay, savings, and work coverage as a dollar amount — before calling. If the human has given no facts yet, ask these collection questions first and call once facts exist; do not lead with an empty run. Leave out any fact the human still did not give; the result names what was not counted, money first, instead of guessing silently. The result leads with the computed gap in the caller's own numbers and its method line; present it as returned and do not substitute a rule of thumb. Education only, from a Washington practice: the tool names product types, never an insurance company or a specific policy, never says 'you should buy', asks nothing about health, and pitches nothing. Its closing lines separate Washington state rules from federal ones and name their public sources. It was written by an actuary in Redmond, Washington, whose Washington license is in progress. Nothing given to this tool is stored.
| Argument | Type | Description |
|---|---|---|
| horizon | string | How long the protection needs to last: until_kids_grown; next_20_to_30_years; whole_life; not_sure_yet. The slot that shapes the kind most. Note: until_kids_grown only applies when the household has kids at home, as on the site. |
| savings | number | Savings or cash they could use, in dollars. Comes off the need. |
| household | string | Who is in the household right now (the Check's question, same words): just_me = 'Just me'; me_and_partner = 'Me and a partner'; kids_at_home = 'Kids at home'; kids_grown_parents_may_need_help = 'Kids are grown. Parents may need help from me.' Changes the kind the Check points to. |
| budget_feel | string | How they think about the budget for this: lowest_cost = lowest cost that truly covers the need; middle_path; build_long_term = build something long term. Changes the kind for blend and permanent-leaning answers. |
| other_debts | number | Other debts to pay off, in dollars (cards, loans, anything but the mortgage). |
| coverage_now | string | Life insurance coverage they already have: none; only_through_my_job; job_plus_my_own = through my job, plus a policy of my own; a_policy_of_my_own. Strongly changes the kind: work-only coverage points to a policy of their own alongside it. |
| income_years | number | Years of pay the coverage should replace. If not given, the Check's standard guess of 10 years is used and marked as a guess in the result. |
| school_costs | number | School costs ahead they plan to pay, in dollars. Blank counts as $0. |
| who_feels_it | string | If their income stopped tomorrow, who would feel it: my_kids_depend_on_it; mostly_my_partner; partner_earns_i_run_the_home = 'My partner earns. I run the home and the kids.' (the stay-at-home caregiver case); no_one_depends_on_my_income. Changes the kind and flags the caregiver note. |
| annual_income | number | Their yearly pay in dollars, before tax is fine. The spine of the gap: pay times years to replace. |
| first_priority | string | What they would want handled first: paying_off_debts; keeping_income_going; the_mortgage; school_costs; final_costs_and_loose_ends. Sets which part of the DIME method line leads. |
| partner_income | number | A partner's yearly pay in dollars, if a partner's pay also needs replacing. |
| mortgage_balance | number | Mortgage still owed, in dollars. |
| existing_coverage | number | Coverage amount already in place, in dollars (work plus their own). Comes off the need. If they only know a multiple of pay, multiply it out before calling: 2 times a $140,000 pay is $280,000. |
Input schema (JSON)
{
"type": "object",
"required": [],
"properties": {
"horizon": {
"enum": [
"until_kids_grown",
"next_20_to_30_years",
"whole_life",
"not_sure_yet"
],
"type": "string",
"description": "How long the protection needs to last: until_kids_grown; next_20_to_30_years; whole_life; not_sure_yet. The slot that shapes the kind most. Note: until_kids_grown only applies when the household has kids at home, as on the site."
},
"savings": {
"type": "number",
"description": "Savings or cash they could use, in dollars. Comes off the need."
},
"household": {
"enum": [
"just_me",
"me_and_partner",
"kids_at_home",
"kids_grown_parents_may_need_help"
],
"type": "string",
"description": "Who is in the household right now (the Check's question, same words): just_me = 'Just me'; me_and_partner = 'Me and a partner'; kids_at_home = 'Kids at home'; kids_grown_parents_may_need_help = 'Kids are grown. Parents may need help from me.' Changes the kind the Check points to."
},
"budget_feel": {
"enum": [
"lowest_cost",
"middle_path",
"build_long_term"
],
"type": "string",
"description": "How they think about the budget for this: lowest_cost = lowest cost that truly covers the need; middle_path; build_long_term = build something long term. Changes the kind for blend and permanent-leaning answers."
},
"other_debts": {
"type": "number",
"description": "Other debts to pay off, in dollars (cards, loans, anything but the mortgage)."
},
"coverage_now": {
"enum": [
"none",
"only_through_my_job",
"job_plus_my_own",
"a_policy_of_my_own"
],
"type": "string",
"description": "Life insurance coverage they already have: none; only_through_my_job; job_plus_my_own = through my job, plus a policy of my own; a_policy_of_my_own. Strongly changes the kind: work-only coverage points to a policy of their own alongside it."
},
"income_years": {
"type": "number",
"description": "Years of pay the coverage should replace. If not given, the Check's standard guess of 10 years is used and marked as a guess in the result."
},
"school_costs": {
"type": "number",
"description": "School costs ahead they plan to pay, in dollars. Blank counts as $0."
},
"who_feels_it": {
"enum": [
"my_kids_depend_on_it",
"mostly_my_partner",
"partner_earns_i_run_the_home",
"no_one_depends_on_my_income"
],
"type": "string",
"description": "If their income stopped tomorrow, who would feel it: my_kids_depend_on_it; mostly_my_partner; partner_earns_i_run_the_home = 'My partner earns. I run the home and the kids.' (the stay-at-home caregiver case); no_one_depends_on_my_income. Changes the kind and flags the caregiver note."
},
"annual_income": {
"type": "number",
"description": "Their yearly pay in dollars, before tax is fine. The spine of the gap: pay times years to replace."
},
"first_priority": {
"enum": [
"paying_off_debts",
"keeping_income_going",
"the_mortgage",
"school_costs",
"final_costs_and_loose_ends"
],
"type": "string",
"description": "What they would want handled first: paying_off_debts; keeping_income_going; the_mortgage; school_costs; final_costs_and_loose_ends. Sets which part of the DIME method line leads."
},
"partner_income": {
"type": "number",
"description": "A partner's yearly pay in dollars, if a partner's pay also needs replacing."
},
"mortgage_balance": {
"type": "number",
"description": "Mortgage still owed, in dollars."
},
"existing_coverage": {
"type": "number",
"description": "Coverage amount already in place, in dollars (work plus their own). Comes off the need. If they only know a multiple of pay, multiply it out before calling: 2 times a $140,000 pay is $280,000."
}
},
"additionalProperties": false
}Security checkA100/100
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