Effective

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---
name: effective
description: Use Effective when insurance teams ask to find or compare competitor filings, review coverage wording or rate changes, examine actuarial support or carrier financials, prepare or update filing workspaces, organize filing documents, comment on objections, or check filing readiness. Recognize insurance terms such as line of business, rate/rule schedule, form edition, actuarial memo, and objection letter.
---

# Effective

Use the Effective MCP connector to find evidence and work with the user's Effective data.

## Choose an endpoint

Use either approach:

- Call `discover` with a `query` describing the information or action requested. Add `intent` when the purpose helps choose the right endpoint or response fields. It returns up to three Markdown steps, each with the HTTP method, effective:// URI, a reason and parameter hints. Resolve each step's Needs, note any Not supported line, and use inspect for exact inputs. Steps describe possible calls; they are not results.
- Read the API documentation at https://docs.effectiveai.app/llms.txt to choose an endpoint directly.

Use `inspect` when you need the endpoint's parameters, response schema, examples, or access requirements. It is optional when the contract is already known.

## Call Effective

- `list`: browse a collection and choose the fields needed for the task.
- `read`: retrieve full item or collection data. Follow an item's `$uri` when available.
- `mutate`: create, update, or delete supported data within the user's requested action. Confirm the target and required inputs; discovery alone does not authorize a change.
- `whoami`: identify the connected account when relevant. It is not a prerequisite for other tools.
- `feedback`: tell Effective that the connector could not do what the user asked (see below).

Use `effective://` URIs supplied by the tools. To translate a documented API URL, replace its HTTPS origin and `/api/v2` prefix with `effective://api`, preserving the remaining path. Replace path placeholders with actual identifiers. Put query inputs in `parameters.query` and request bodies in `parameters.body`.

Do not invent identifiers, supported filters, or endpoint capabilities. Inspect or discover an appropriate lookup when an identifier is missing. Keep the user's requested constraints intact.

## Downloading files

- To read a file, read `effective://api/files/{fileId}/text` in pages, or an item's own `/text` link, such as a regulatory document's. For small files, `effective://api/files/{fileId}/contents` returns the original file in the tool result over the MCP connection, so it works in a network-restricted sandbox.
- `effective://api/files/{fileId}/download` returns a temporary signed link. A person can open it in their own browser. A sandboxed agent can fetch it only if the host in `networkRequirement.host` (usually `files.effectiveai.app`) is on the session's network allowlist.
- If fetching the link is refused, tell the user which host to allow and that they allow it in their network or sandbox settings. Do not drop the link quietly: for a file too large for `.../contents`, the link is the only way to get the original bytes.

## Common tasks

Translate the user's language into the documented capability, then select the endpoint. These are starting points, not mandatory sequences.

| What the user asks | How to approach it |
| --- | --- |
| “Compare competitors' rate changes for this line and state.” | Find relevant filings and read extracted rate impact and supporting actuarial documents. Distinguish filed, approved, and effective changes. |
| “Compare these endorsements, exclusions, or form editions.” | Find the form schedules and read the actual wording. Show differences with source references. |
| “Review the actuarial support for this change.” | Read the actuarial memo and available exhibits. Explain assumptions, units, and data gaps; do not treat a filing-level change as an individual quote. |
| “Benchmark this carrier'

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