# Effective

> Insurance research for your code and your agents: competitor rate research, filing prep and objections, carrier financial checks and rating against competitors, over SERFF and Florida IRFS filings, NAIC financials, regulation and OSHA records. One REST API and one remote MCP server. Pay per row returned.

Connect with MCP at https://mcp.effectiveai.app/api/mcp/v2 (OAuth) or call https://api.effectiveai.app/api/v2 with a Bearer API key. Every charged response reports its cost in the `x-effective-credits` header.

## Pages

- [Home](https://effectiveai.dev/index.md): What Effective is, how to connect, a worked Claude example and use cases.
- [Use cases](https://effectiveai.dev/use-cases.md): Competitor rate research, filing prep and objections, carrier checks, rating against competitors, product tracking and employer risk: the question, data, calls and price for each.
- [Agents](https://effectiveai.dev/agents.md): Connect Claude, ChatGPT, Microsoft 365 Copilot or other MCP clients; the four MCP tools.
- [Pricing](https://effectiveai.dev/pricing.md): Plans, per-request and per-row prices, free items and billing facts.

## Docs

- [Docs index for LLMs](https://docs.effectiveai.app/llms.txt): every guide and reference page.
- [Agent connection instructions](https://docs.effectiveai.app/getting-started/agent-setup.md): how an agent connects itself and verifies access.
- [API quickstart](https://docs.effectiveai.app/getting-started/quickstart.md)
- [Usage and billing](https://docs.effectiveai.app/getting-started/billing.md)
- [OpenAPI spec](https://docs.effectiveai.app/openapi.json)

## Optional

- [All pages in one file](https://effectiveai.dev/llms-full.txt)