明乐智保 MCP（Minglezhibao Insurance Data）

io.github.minglezhibaoPublished by GitHub account minglezhibaov1.1.4Updated Nov 8, 2026

中国大陆寿险/分红产品数据：投保利益查询、保费现价测算、行业指标与竞品对比、需求转介；免费每日 30 次，OAuth 2.1 授权，无需 Key

VerifiedStreamable HTTPWeb executableFinanceData & Analytics

Overview

AI-generated overview

Remote MCP server for querying publicly disclosed Chinese mainland life, dividend and universal-life insurance data, with OAuth 2.1 sign-in and a free daily…

What you can do
  • Search companies, products, indicators, regions, articles and reports
  • Read a single product or company profile across several views
  • Query industry and company indicators, quarterly operating metrics, and liability-side interest rates
  • Calculate policy benefits, premium conversions and rate tables (agent identity plus paid subscription)
  • Generate shareable chart links and register an insurance need without using quota
When to use it
Useful when an assistant needs to answer questions about Chinese insurers' solvency, dividend fulfillment rates, universal-life settlement rates, regional premium income, or product cash-value and IRR figures, and to compare companies or products.
Requirements
A remote Streamable HTTP endpoint; no local runtime or API key. OAuth 2.1 authorization with dynamic client registration and PKCE, so the user signs in through the client. A free quota of 30 calls per day; the calculate tool additionally requires agent identity and a paid subscription.
Before you install
Signing in grants the server access tied to your account, and usage beyond the free daily quota requires a paid subscription. The calculate tool needs agent identity and a paid plan. The submit_insurance_need tool registers a need and may send contact details to the provider. Data is public disclosure only and is not insurance advice.

Installation

In SourceWeft

  1. Open 明乐智保 MCP（Minglezhibao Insurance Data） in the dashboard and add it to a workspace.
  2. Connect the required credentials. They are stored privately and never shown on public pages.
  3. Enable the server for the chats that should use its tools.

Web executable via Streamable HTTP. Remote servers run from the web runtime once configured in a workspace.

Use with an agent

Paste this prompt into Claude Code, Codex, Cursor or another agent — or into SourceWeft chat. The agent reads this server's install guide, shows you its publisher, endpoint and sign-in, and adds it to your client once you agree. Keys never go into a command.

Read https://sourceweft.com/mcp/io.github.minglezhibao%2Fmcp/install.md and connect the MCP server it describes to my client. Before changing any config, show me its publisher, endpoint and sign-in method and wait for my OK. Never put an API key in a command or in a file I would commit; ask me where it should come from.

Read the install guide the agent follows

Other MCP clients

Add this to your client's mcpServers config. The client completes OAuth sign-in on first connect.

{
  "mcpServers": {
    "minglezhibao-insurance-data": {
      "type": "http",
      "url": "https://minglezhibao.cn/api/mcp"
    }
  }
}

README

明乐智保 MCP（Minglezhibao Insurance Data）

中国大陆寿险 / 分红 / 万能险公开披露数据的 MCP 服务。 数据来源：各保险公司官方公开信息披露（审计报告 / 偿付能力报告 / 分红实现率公告 / 万能险结算利率公告）。

[Official MCP Registry] [Version] [Auth]

这是什么

一个 remote MCP server（Streamable HTTP），让 AI 助手可以直接查询中国 191 家保险公司的公开数据： 偿付能力、分红实现率、万能险结算利率、保费收入、产品费率与现金价值、投保利益（IRR）等。

不做什么：不销售保险、不承保、不收款、不提供投保建议。仅做公开数据查询与解读。

快速连接

端点

https://minglezhibao.cn/api/mcp

认证方式：OAuth 2.1（无需手工申请 API Key）

本服务遵循 MCP 授权规范 + RFC 9728，客户端可自动发现授权服务：

# 1) 未授权时返回 401，并告知授权服务位置GET https://minglezhibao.cn/api/mcp→ 401 Unauthorized  WWW-Authenticate: Bearer resource_metadata="https://minglezhibao.cn/.well-known/oauth-protected-resource"
# 2) 客户端读取受保护资源元数据GET https://minglezhibao.cn/.well-known/oauth-protected-resource
# 3) 客户端读取授权服务器元数据（含动态客户端注册 + PKCE S256）GET https://minglezhibao.cn/.well-known/oauth-authorization-server

支持的授权能力：authorization_code · refresh_token · 动态客户端注册 · PKCE（S256） ⇒ 常见 MCP 客户端（Claude、Cursor、VS Code、Cline 等）点一次授权即可，无需手工贴 Key。

客户端配置样例

见本仓 mcp.json。

免费额度

每日 30 次，无需付费即可连接试用。超出后按订阅额度调用。

9 个工具

工具按「动词 + 参数」组织，用 kind / view / dataset 参数区分子能力，而不是拆成一堆工具名。

#工具做什么关键参数
1search发现对象（公司 / 产品 / 指标 / 地区 / 文章 / 报告 6 类）kind
2get_product单个产品全貌（6 视角）view
3get_company单个公司全貌（2 视角）view
4get_market行业 / 公司指标（7 数据集）dataset + view
5get_ops季度经营指标（4 视角）view
6get_rate负债端利率（预定利率 / 结算利率等）kind + view
7calculate投保利益 / 保费换算 / 费率表三语义查询（需代理人身份 + 付费订阅）—
8get_chart_link生成可分享的图表链接—
9submit_insurance_need需求登记（不占配额，不构成投保建议）—

详见 docs/tools.md。

7 个场景 prompts

prompts/list 提供 7 个可直接调用的场景菜谱：

company_scan · product_review · product_compare · pension_planning · industry_ranking 等

数据覆盖

域内容
公司191 家中国保险公司：综合评分、8 维度排名、财务摘要
偿付能力核心 / 综合偿付能力充足率、SARMRA 评分、风险评级（季度粒度）
分红险全行业分红产品历年分红实现率（增额 / 终了 / 现金红利），支持公司横向对比
万能险全行业万能险产品月度结算利率历史
保费全国各省市保费收入（按地区 / 年度 / 月度）
产品数万个寿险 / 年金险产品的费率表、现金价值表、投保利益与 IRR
财务总资产、净利润、ROE、保费收入等 24 项指标历年趋势

示例问法

  • 平安人寿的偿付能力和分红实现率怎么样？
  • 今年哪几家保险公司分红实现率超过 100%？
  • 万能险最新月度结算利率最高的 10 家公司是哪些？
  • 30 岁男性年交 5 万的某款增额终身寿，第 20 年现金价值是多少？
  • 北京去年的保费收入多少？

相关链接

合规说明

  • 本服务仅提供公开披露信息的查询与整理，不构成投保建议。
  • 数据口径以各保险公司官方披露原文为准；历史数据不代表未来。
  • 不提供保本、保证收益类表述；不对产品收益优劣作评判。

License

MIT（见 LICENSE）。数据版权归各原始披露机构所有。

Source: README.md at commit 32db8ad

Tools

0
This server asks you to sign in, so SourceWeft could not read its tools without an account and has not indexed them. What a connected account sees can depend on that account and its permissions.

Version history

4
  1. v1.1.4LatestNov 7, 2026
  2. v1.1.1Oct 1, 2026
  3. v1.1.0Oct 1, 2026
  4. v1.0.0Sep 16, 2026

Score

75% of the applicable checks met

How complete this listing is, computed from the registry entry, the endpoint and public sources. Not a rating of the server and not a statement that it is safe or working today: reachability is a dated check, and no installs or reviews go into the score.

  • Reached in the last 30 daysRequired25 pts
  • Auth declaredRequired10 pts
  • Tools listed15 pts

    Answer tools/list without a credential, or ship a package that starts in a sandbox without one.

  • DescriptionRequired15 pts
  • Logo10 pts
  • Documentation15 pts
  • License10 pts

    Declare a license in the repository or the registry entry.