feat: add insurance/Takaful tracking, liabilities, and asset ownership verification

Per-member Insurance & Takaful tab (life/Takaful/medical/asset policies,
same author-owns/family-reads pattern as Wassiyah/Waqf), a family-shared
Liabilities section on the Asset Registry (kept distinct from assets since
Faraid requires debts settled before distribution), and dual-path asset
ownership verification (proof document + confirm by either the
mutawalli/agent or any other family member, since not every demo family
has an agent assigned). All proof documents share a new private
nf-asset-documents storage bucket with the same RLS pattern as person
photos. Mutawalli dashboard now surfaces each member's insurance policies.

Covered by e2e-insurance-verification.cjs (12/12); full regression sweep
233/233 across all suites.

src/App.svelte

@@ -18,6 +18,7 @@
   import FamilyManagement from './lib/FamilyManagement.svelte';
   import MutawalliDashboard from './lib/MutawalliDashboard.svelte';
   import FamilyTree from './lib/FamilyTree.svelte';
+  import InsurancePolicies from './lib/InsurancePolicies.svelte';
 
   let currentLang = $state('en');
   lang.subscribe(v => currentLang = v);
@@ -41,8 +42,8 @@
     }
   });
 
-  const tabs = ['Coverage', 'Faraid', 'Assets', 'Wassiyah', 'Hibah', 'Family Waqf', 'Nominate', 'Trigger', 'Mutawalli', 'Tree', 'Claims (H2)', 'Family', 'Settings'];
-  const icons = ['🎯', '📊', '📁', '📜', '🎁', '⛲', '📇', '⚡', '🕋', '🌳', '🔗', '👥', '⚙️'];
+  const tabs = ['Coverage', 'Faraid', 'Assets', 'Insurance', 'Wassiyah', 'Hibah', 'Family Waqf', 'Nominate', 'Trigger', 'Mutawalli', 'Tree', 'Claims (H2)', 'Family', 'Settings'];
+  const icons = ['🎯', '📊', '📁', '🛡️', '📜', '🎁', '⛲', '📇', '⚡', '🕋', '🌳', '🔗', '👥', '⚙️'];
   let activeTab = $state(0);
 
   function handleKeydown(e) {
@@ -99,16 +100,17 @@
     {#if activeTab === 0}<CoverageDashboard />
     {:else if activeTab === 1}<FaraidCalculator />
     {:else if activeTab === 2}<AssetRegistry />
-    {:else if activeTab === 3}<WassiyahGenerator />
-    {:else if activeTab === 4}<HibahTracker />
-    {:else if activeTab === 5}<FamilyWaqfDesignator />
-    {:else if activeTab === 6}<NominationRegistry />
-    {:else if activeTab === 7}<DeathTrigger />
-    {:else if activeTab === 8}<MutawalliDashboard />
-    {:else if activeTab === 9}<FamilyTree />
-    {:else if activeTab === 10}<DigitalClaims />
-    {:else if activeTab === 11}<FamilyManagement />
-    {:else if activeTab === 12}
+    {:else if activeTab === 3}<InsurancePolicies />
+    {:else if activeTab === 4}<WassiyahGenerator />
+    {:else if activeTab === 5}<HibahTracker />
+    {:else if activeTab === 6}<FamilyWaqfDesignator />
+    {:else if activeTab === 7}<NominationRegistry />
+    {:else if activeTab === 8}<DeathTrigger />
+    {:else if activeTab === 9}<MutawalliDashboard />
+    {:else if activeTab === 10}<FamilyTree />
+    {:else if activeTab === 11}<DigitalClaims />
+    {:else if activeTab === 12}<FamilyManagement />
+    {:else if activeTab === 13}
       <div class="module">
         <div class="module-header">
           <h2>Settings</h2>