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.

DEMO_DATA.md

@@ -34,3 +34,25 @@ Ran `verify-demo-families.cjs` against the live app (not just SQL success) —
 confirms sign-in, correct asset count, non-zero estate total, coverage
 percentage, correct person count, and non-empty tree render for all 5
 families. 35/35 passing.
+
+## Insurance/Takaful, Liabilities & Asset Verification (added later)
+
+Three additions, covered by `e2e-insurance-verification.cjs` (12/12):
+
+- **Insurance & Takaful tab** — per-member (`nf_insurance_policies`), same
+  author-owns-writes/family-reads pattern as Wassiyah/Waqf. Life, Takaful,
+  medical, or asset-specific policies with an optional proof document.
+- **Liabilities** (bottom of the Assets tab) — family-shared
+  (`nf_liabilities`), kept distinct from assets because Faraid requires debts
+  settled before distribution. Optionally linked to the asset it's secured
+  against, with a loan-document attachment.
+- **Asset ownership verification** — every asset in the Asset Registry can
+  now take a proof document (car grant, land title, cover note) and a
+  verified/unverified badge. Either the mutawalli/agent OR any other family
+  member can confirm — not gated to a single approver, since several demo
+  families have no agent assigned.
+- The Mutawalli dashboard's per-member document summary now also lists each
+  member's insurance/Takaful policies.
+- All proof documents (policies, liabilities, assets) share one private
+  Storage bucket, `nf-asset-documents`, with the same family-membership RLS
+  pattern used for person photos.

e2e-insurance-verification.cjs

@@ -0,0 +1,112 @@
+// Verifies the newest feature set end-to-end against the live backend:
+// per-member Insurance/Takaful policies, family-shared Liabilities, and
+// asset-ownership verification (proof document + dual-path confirm).
+const { chromium } = require('playwright');
+const { signInFreshFamily } = require('./e2e-auth-helper.cjs');
+const BASE = 'https://moslem04.falahos.my/';
+const results = [];
+const consoleErrors = [];
+function record(name, pass, detail = '') { results.push({ name, pass, detail }); console.log(`${pass ? 'PASS' : 'FAIL'}  ${name}${detail ? '  — ' + detail : ''}`); }
+
+async function main() {
+  const browser = await chromium.launch();
+  const page = await browser.newPage({ viewport: { width: 390, height: 844 } });
+  page.on('console', m => { if (m.type() === 'error') consoleErrors.push(m.text()); });
+  page.on('pageerror', e => consoleErrors.push(e.message));
+
+  await signInFreshFamily(page, BASE, 'e2e-insurance');
+
+  // ── Insurance & Takaful tab ──
+  await page.locator('nav button[aria-label="Insurance"]').click();
+  await page.waitForTimeout(600);
+
+  await page.locator('.form-card .field:has-text("Type") select').selectOption('takaful');
+  await page.locator('.form-card .field:has-text("Provider") input').fill('Etiqa Takaful');
+  await page.locator('.form-card .field:has-text("Policy number") input').fill('TKF-00123');
+  await page.locator('.form-card .field:has-text("Sum assured") input').fill('250000');
+  await page.locator('.form-card .field:has-text("Beneficiary name") input').fill('Aisha binti Rahman');
+  await page.locator('.form-card .field:has-text("Beneficiary relation") input').fill('spouse');
+  await page.locator('.form-card button.btn-primary', { hasText: 'Add policy' }).click();
+  await page.waitForTimeout(1000);
+
+  const policyRowVisible = await page.locator('.policy-row', { hasText: 'Etiqa Takaful' }).isVisible().catch(() => false);
+  record('Insurance: policy added and listed', policyRowVisible);
+
+  const totalCardVisible = await page.locator('.total-card strong', { hasText: '250,000' }).isVisible().catch(() => false);
+  record('Insurance: total sum assured reflects the added policy', totalCardVisible);
+
+  // Edit the policy
+  await page.locator('.policy-row', { hasText: 'Etiqa Takaful' }).locator('button[aria-label="Edit"]').click();
+  await page.waitForTimeout(300);
+  await page.locator('.form-card .field:has-text("Notes") input').fill('Renewed 2026');
+  await page.locator('.form-card button.btn-primary', { hasText: 'Update policy' }).click();
+  await page.waitForTimeout(800);
+  record('Insurance: editing a policy succeeds without error', consoleErrors.length === 0, consoleErrors.join(' || '));
+
+  // ── Asset ownership verification (Assets tab) ──
+  await page.locator('nav button[aria-label="Assets"]').click();
+  await page.waitForTimeout(600);
+  await page.locator('.form-card .field:has-text("Description") input').fill('Family sedan');
+  await page.locator('.form-card .field:has-text("Estimated value") input').fill('45000');
+  await page.locator('.form-card select').first().selectOption('Vehicle');
+  await page.locator('.form-card button.btn-primary', { hasText: 'Add asset' }).click();
+  await page.waitForTimeout(1000);
+
+  const unverifiedBadge = await page.locator('.verify-badge', { hasText: 'Unverified' }).isVisible().catch(() => false);
+  record('Asset Verification: new asset starts unverified', unverifiedBadge);
+
+  await page.locator('button.verify-toggle', { hasText: 'Confirm ownership' }).first().click();
+  await page.waitForTimeout(1000);
+  const verifiedBadge = await page.locator('.verify-badge.verified', { hasText: 'Verified' }).isVisible().catch(() => false);
+  record('Asset Verification: confirming ownership flips the badge to Verified', verifiedBadge);
+
+  await page.locator('button.verify-toggle', { hasText: 'Unverify' }).first().click();
+  await page.waitForTimeout(1000);
+  const revertedToUnverified = await page.locator('.verify-badge', { hasText: 'Unverified' }).isVisible().catch(() => false);
+  record('Asset Verification: unverify reverts the badge', revertedToUnverified);
+
+  // ── Liabilities (Assets tab, bottom section) ──
+  await page.locator('.liabilities-section .field:has-text("Type") select').selectOption('mortgage');
+  await page.locator('.liabilities-section .field:has-text("Lender") input').fill('Maybank Islamic');
+  await page.locator('.liabilities-section .field:has-text("Outstanding balance") input').fill('180000');
+  await page.locator('.liabilities-section .field:has-text("Linked asset") select').selectOption({ label: 'Family sedan' });
+  await page.locator('.liabilities-section button.btn-primary', { hasText: 'Add liability' }).click();
+  await page.waitForTimeout(1000);
+
+  const liabilityRowVisible = await page.locator('.liability-row', { hasText: 'Maybank Islamic' }).isVisible().catch(() => false);
+  record('Liabilities: liability added and listed', liabilityRowVisible);
+
+  const debtTotalVisible = await page.locator('.total-card.debt strong', { hasText: '180,000' }).isVisible().catch(() => false);
+  record('Liabilities: total outstanding debt card shows the correct sum', debtTotalVisible);
+
+  await page.locator('.liability-row', { hasText: 'Maybank Islamic' }).locator('button[aria-label="Remove"]').click();
+  await page.locator('.liability-row', { hasText: 'Maybank Islamic' }).waitFor({ state: 'detached', timeout: 10000 }).catch(() => {});
+  const liabilityRemoved = await page.locator('.liability-row', { hasText: 'Maybank Islamic' }).isVisible().catch(() => false);
+  record('Liabilities: removing a liability removes it from the list', !liabilityRemoved);
+
+  // ── Mutawalli dashboard should surface the insurance policy for this member (owner-only family: owner sees their own row) ──
+  await page.locator('nav button[aria-label="Mutawalli"]').click();
+  await page.waitForTimeout(800);
+  const mutawalliText = await page.locator('.module').innerText().catch(() => '');
+  const mutawalliGated = mutawalliText.includes('Only the mutawalli');
+  record('Mutawalli: owner-only family either sees the dashboard or the correct gate message', mutawalliGated || /INSURANCE/i.test(mutawalliText));
+
+  // ── Isolation: a second fresh family (same account) must not see this policy/liability/verification data ──
+  const isolationPage = await browser.newPage({ viewport: { width: 390, height: 844 } });
+  await signInFreshFamily(isolationPage, BASE, 'e2e-insurance-isolation');
+  await isolationPage.locator('nav button[aria-label="Insurance"]').click();
+  await isolationPage.waitForTimeout(600);
+  const leakedPolicy = await isolationPage.locator('.policy-row', { hasText: 'Etiqa Takaful' }).isVisible().catch(() => false);
+  record('Isolation: a different family sees none of this insurance data', !leakedPolicy);
+  await isolationPage.close();
+
+  record('No uncaught JS console errors during full session', consoleErrors.length === 0, consoleErrors.join(' || '));
+
+  await browser.close();
+  const passCount = results.filter(r => r.pass).length;
+  const failCount = results.length - passCount;
+  console.log(`\n${passCount} passed, ${failCount} failed, ${results.length} total`);
+  if (failCount > 0) results.filter(r => !r.pass).forEach(r => console.log(`  - ${r.name}: ${r.detail}`));
+  process.exit(failCount > 0 ? 1 : 0);
+}
+main().catch(e => { console.error('SCRIPT ERROR:', e); process.exit(2); });

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 tabs = ['Coverage', 'Faraid', 'Assets', 'Insurance', 'Wassiyah', 'Hibah', 'Family Waqf', 'Nominate', 'Trigger', 'Mutawalli', 'Tree', 'Claims (H2)', 'Family', 'Settings'];
-  const icons = ['🎯', '📊', '📁', '📜', '🎁', '⛲', '📇', '⚡', '🕋', '🌳', '🔗', '👥', '⚙️'];
+  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 === 3}<InsurancePolicies />
-    {:else if activeTab === 4}<HibahTracker />
+    {:else if activeTab === 4}<WassiyahGenerator />
-    {:else if activeTab === 5}<FamilyWaqfDesignator />
+    {:else if activeTab === 5}<HibahTracker />
-    {:else if activeTab === 6}<NominationRegistry />
+    {:else if activeTab === 6}<FamilyWaqfDesignator />
-    {:else if activeTab === 7}<DeathTrigger />
+    {:else if activeTab === 7}<NominationRegistry />
-    {:else if activeTab === 8}<MutawalliDashboard />
+    {:else if activeTab === 8}<DeathTrigger />
-    {:else if activeTab === 9}<FamilyTree />
+    {:else if activeTab === 9}<MutawalliDashboard />
-    {:else if activeTab === 10}<DigitalClaims />
+    {:else if activeTab === 10}<FamilyTree />
-    {:else if activeTab === 11}<FamilyManagement />
+    {:else if activeTab === 11}<DigitalClaims />
-    {:else if activeTab === 12}
+    {:else if activeTab === 12}<FamilyManagement />
+    {:else if activeTab === 13}
       <div class="module">
         <div class="module-header">
           <h2>Settings</h2>

src/lib/AssetRegistry.svelte

@@ -2,21 +2,34 @@
   import { onMount } from 'svelte';
   import { activeFamilyId } from './family.js';
   import { currentUser } from './auth.js';
-  import { listAssets, addAsset, updateAsset, removeAsset, listTrustedContacts, addTrustedContact, removeTrustedContact, estateTotal } from './db.js';
+  import {
+    listAssets, addAsset, updateAsset, removeAsset, listTrustedContacts, addTrustedContact, removeTrustedContact, estateTotal,
+    uploadAssetDocument, removeAssetDocument, getDocumentUrl, setAssetVerified,
+    listLiabilities, addLiability, updateLiability, removeLiability, uploadLiabilityDocument, removeLiabilityDocument
+  } from './db.js';
   import Disclaimer from './Disclaimer.svelte';
   import InfoPanel from './InfoPanel.svelte';
 
   const TYPES = ['Property', 'Cash / Bank', 'Vehicle', 'Business interest', 'Digital assets', 'Jewelry / valuables', 'Other'];
+  const LIABILITY_TYPES = ['loan', 'mortgage', 'credit', 'other'];
 
   let familyId = $state(null);
   activeFamilyId.subscribe(v => familyId = v);
 
   let assets = $state([]);
   let trustedContacts = $state([]);
+  let liabilities = $state([]);
+  let docUrls = $state({});
 
   let form = $state(emptyForm());
   let editingId = $state(null);
   let contactForm = $state({ name: '', method: '' });
+  let liabilityForm = $state(emptyLiabilityForm());
+  let editingLiabilityId = $state(null);
+
+  function emptyLiabilityForm() {
+    return { liabilityType: LIABILITY_TYPES[0], lender: '', outstandingBalance: '', linkedAssetId: '', notes: '' };
+  }
 
   function emptyForm() {
     return { type: TYPES[0], description: '', value: '', location: '', ownershipShare: 100 };
@@ -26,6 +39,11 @@
     if (!familyId) return;
     assets = await listAssets(familyId);
     trustedContacts = await listTrustedContacts(familyId);
+    liabilities = await listLiabilities(familyId);
+    const urls = {};
+    for (const a of assets) if (a.proofDocumentPath) urls[a.proofDocumentPath] = await getDocumentUrl(a.proofDocumentPath);
+    for (const l of liabilities) if (l.documentPath) urls[l.documentPath] = await getDocumentUrl(l.documentPath);
+    docUrls = urls;
   }
 
   onMount(refresh);
@@ -66,6 +84,56 @@
     await refresh();
   }
 
+  async function onProofFileChange(assetId, e) {
+    const file = e.target.files?.[0];
+    if (!file) return;
+    await uploadAssetDocument(familyId, assetId, file);
+    e.target.value = '';
+    await refresh();
+  }
+  async function removeProof(assetId, docPath) {
+    await removeAssetDocument(assetId, docPath);
+    await refresh();
+  }
+  async function toggleVerified(a) {
+    await setAssetVerified(a.id, currentUser()?.id, !a.verified);
+    await refresh();
+  }
+
+  async function addOrUpdateLiability() {
+    if (!liabilityForm.lender) return;
+    if (editingLiabilityId) {
+      await updateLiability(editingLiabilityId, liabilityForm);
+      editingLiabilityId = null;
+    } else {
+      await addLiability(familyId, currentUser()?.id, liabilityForm);
+    }
+    liabilityForm = emptyLiabilityForm();
+    await refresh();
+  }
+  function editLiability(l) {
+    editingLiabilityId = l.id;
+    liabilityForm = { ...l, outstandingBalance: String(l.outstandingBalance ?? '') };
+  }
+  async function removeLiabilityRow(id) {
+    await removeLiability(id);
+    if (editingLiabilityId === id) { editingLiabilityId = null; liabilityForm = emptyLiabilityForm(); }
+    await refresh();
+  }
+  async function onLiabilityFileChange(liabilityId, e) {
+    const file = e.target.files?.[0];
+    if (!file) return;
+    await uploadLiabilityDocument(familyId, liabilityId, file);
+    e.target.value = '';
+    await refresh();
+  }
+  async function removeLiabilityProof(liabilityId, docPath) {
+    await removeLiabilityDocument(liabilityId, docPath);
+    await refresh();
+  }
+
+  const totalDebt = $derived((liabilities || []).reduce((sum, l) => sum + (Number(l.outstandingBalance) || 0), 0));
+
   function exportSummary() {
     const total = estateTotal(assets);
     const lines = [
@@ -136,6 +204,19 @@
           <button onclick={() => remove(a.id)} aria-label="Remove">✕</button>
         </div>
       </div>
+      <div class="verify-row">
+        <span class="verify-badge" class:verified={a.verified}>{a.verified ? '✓ Verified' : 'Unverified'}</span>
+        {#if a.proofDocumentPath}
+          <a class="doc-link" href={docUrls[a.proofDocumentPath]} target="_blank" rel="noopener">View proof</a>
+          <button class="doc-remove" onclick={() => removeProof(a.id, a.proofDocumentPath)}>Remove proof</button>
+        {:else}
+          <label class="doc-upload">
+            Attach proof (car grant, land title, cover note…)
+            <input type="file" accept=".pdf,.jpg,.jpeg,.png" onchange={(e) => onProofFileChange(a.id, e)} />
+          </label>
+        {/if}
+        <button class="verify-toggle" onclick={() => toggleVerified(a)}>{a.verified ? 'Unverify' : 'Confirm ownership'}</button>
+      </div>
     {:else}
       <p class="empty">No assets logged yet.</p>
     {/each}
@@ -156,6 +237,70 @@
     {/each}
   </div>
 
+  <div class="liabilities-section">
+    <div class="section-header">
+      <h3>Liabilities</h3>
+      <InfoPanel
+        title="Liabilities"
+        what="Debts against the estate — loans, mortgages, credit balances. Faraid requires debts to be settled before any distribution, so these are tracked separately from what you own, not attached as a note on an asset."
+        how="Log the lender and outstanding balance. Optionally link it to the asset it's secured against (e.g. a mortgage linked to a property) and attach the loan agreement as proof."
+        fields={[
+          { label: 'Type', hint: 'Loan, mortgage, credit balance, or other.' },
+          { label: 'Lender', hint: 'Who the debt is owed to.' },
+          { label: 'Outstanding balance', hint: 'The amount still owed, not the original loan amount.' },
+          { label: 'Linked asset', hint: 'Optional — e.g. link a mortgage to the property it secures.' }
+        ]}
+      />
+    </div>
+    {#if totalDebt > 0}
+      <div class="total-card debt"><span>Total outstanding debt</span><strong>{totalDebt.toLocaleString()}</strong></div>
+    {/if}
+    <div class="form-card">
+      <label class="field"><span>Type</span>
+        <select bind:value={liabilityForm.liabilityType}>
+          {#each LIABILITY_TYPES as t}<option value={t}>{t}</option>{/each}
+        </select>
+      </label>
+      <label class="field"><span>Lender</span><input type="text" bind:value={liabilityForm.lender} placeholder="e.g. Maybank" /></label>
+      <label class="field"><span>Outstanding balance</span><input type="number" min="0" bind:value={liabilityForm.outstandingBalance} /></label>
+      <label class="field"><span>Linked asset (optional)</span>
+        <select bind:value={liabilityForm.linkedAssetId}>
+          <option value="">— none —</option>
+          {#each assets as a}<option value={a.id}>{a.description}</option>{/each}
+        </select>
+      </label>
+      <label class="field"><span>Notes</span><input type="text" bind:value={liabilityForm.notes} /></label>
+      <button class="btn-primary" onclick={addOrUpdateLiability}>{editingLiabilityId ? 'Update liability' : 'Add liability'}</button>
+    </div>
+    {#each liabilities as l (l.id)}
+      <div class="liability-row">
+        <div class="asset-info">
+          <span class="asset-type">{l.liabilityType}</span>
+          <span class="asset-desc">{l.lender}</span>
+          <span class="asset-meta">{l.notes || '—'}</span>
+        </div>
+        <div class="asset-value debt-value">{Number(l.outstandingBalance || 0).toLocaleString()}</div>
+        <div class="asset-actions">
+          <button onclick={() => editLiability(l)} aria-label="Edit">✎</button>
+          <button onclick={() => removeLiabilityRow(l.id)} aria-label="Remove">✕</button>
+        </div>
+      </div>
+      <div class="verify-row">
+        {#if l.documentPath}
+          <a class="doc-link" href={docUrls[l.documentPath]} target="_blank" rel="noopener">View loan document</a>
+          <button class="doc-remove" onclick={() => removeLiabilityProof(l.id, l.documentPath)}>Remove</button>
+        {:else}
+          <label class="doc-upload">
+            Attach loan document
+            <input type="file" accept=".pdf,.jpg,.jpeg,.png" onchange={(e) => onLiabilityFileChange(l.id, e)} />
+          </label>
+        {/if}
+      </div>
+    {:else}
+      <p class="empty">No liabilities logged.</p>
+    {/each}
+  </div>
+
   <Disclaimer text="Manual entry only — bank/brokerage account linking and live balance sync are explicitly out of scope for Horizon 1." />
 </div>
 
@@ -187,5 +332,19 @@
   .contacts-section h3 { font-size: 15px; color: #C9A84C; margin-bottom: 4px; }
   .note { font-size: 11.5px; color: #8A8478; margin-bottom: 12px; }
   .contact-row { display: flex; justify-content: space-between; padding: 8px 0; font-size: 13px; color: #E8E4DC; border-bottom: 1px solid rgba(255,255,255,0.06); }
+  .verify-row { display: flex; flex-wrap: wrap; align-items: center; gap: 8px; padding: 0 0 12px; margin-top: -6px; border-bottom: 1px solid rgba(255,255,255,0.06); }
+  .verify-badge { font-size: 10.5px; padding: 2px 8px; border-radius: 999px; background: rgba(255,255,255,0.06); color: #8A8478; }
+  .verify-badge.verified { background: rgba(46,204,113,0.15); color: #2ECC71; }
+  .doc-link { font-size: 11.5px; color: #C9A84C; text-decoration: underline; }
+  .doc-remove, .verify-toggle { background: none; border: 1px solid rgba(255,255,255,0.15); color: #B8B2A6; font-size: 11px; padding: 3px 8px; border-radius: 6px; cursor: pointer; }
+  .doc-upload { font-size: 11px; color: #8A8478; cursor: pointer; }
+  .doc-upload input { display: none; }
+  .liabilities-section { margin-top: 24px; border-top: 1px solid rgba(201,168,76,0.15); padding-top: 16px; }
+  .section-header { display: flex; align-items: center; margin-bottom: 4px; }
+  .liabilities-section h3 { font-size: 15px; color: #C9A84C; margin-bottom: 0; font-family: 'DM Serif Display', serif; }
+  .total-card.debt { background: rgba(231,76,60,0.08); border-color: rgba(231,76,60,0.25); }
+  .total-card.debt strong { color: #E74C3C; }
+  .liability-row { display: flex; align-items: center; gap: 10px; padding: 12px 0 6px; border-bottom: none; }
+  .debt-value { color: #E74C3C; font-weight: 600; font-size: 13px; }
   .contact-row button { background: none; border: none; color: #8A8478; cursor: pointer; }
 </style>

src/lib/InsurancePolicies.svelte

@@ -0,0 +1,185 @@
+<script>
+  import { onMount } from 'svelte';
+  import { activeFamilyId } from './family.js';
+  import { session } from './auth.js';
+  import {
+    listInsurancePolicies, addInsurancePolicy, updateInsurancePolicy, removeInsurancePolicy,
+    uploadPolicyDocument, removePolicyDocument, getDocumentUrl
+  } from './db.js';
+  import Disclaimer from './Disclaimer.svelte';
+  import InfoPanel from './InfoPanel.svelte';
+
+  const POLICY_TYPES = [
+    { value: 'life', label: 'Life insurance' },
+    { value: 'takaful', label: 'Family Takaful' },
+    { value: 'medical', label: 'Medical / health' },
+    { value: 'asset', label: 'Asset (property, vehicle, fire)' },
+    { value: 'other', label: 'Other' }
+  ];
+
+  let familyId = $state(null);
+  activeFamilyId.subscribe(v => familyId = v);
+  // Read live off the session store, not a one-time snapshot — same fix as
+  // WassiyahGenerator/FamilyWaqfDesignator: this component remounts on tab
+  // switch, and a stale null captured once would silently break every write.
+  let memberId = $state(null);
+  session.subscribe(v => memberId = v?.user?.id ?? null);
+
+  let policies = $state([]);
+  let docUrls = $state({});
+  let form = $state(emptyForm());
+  let editingId = $state(null);
+
+  function emptyForm() {
+    return { policyType: 'life', provider: '', policyNumber: '', sumAssured: '', beneficiaryName: '', beneficiaryRelation: '', expiryDate: '', notes: '' };
+  }
+
+  async function refresh() {
+    if (!familyId || !memberId) return;
+    policies = await listInsurancePolicies(familyId, memberId);
+    const urls = {};
+    for (const p of policies) if (p.documentPath) urls[p.documentPath] = await getDocumentUrl(p.documentPath);
+    docUrls = urls;
+  }
+
+  onMount(refresh);
+  $effect(() => { familyId; memberId; refresh(); });
+
+  async function addOrUpdate() {
+    if (!form.provider || !form.policyType) return;
+    if (editingId) {
+      await updateInsurancePolicy(editingId, form);
+      editingId = null;
+    } else {
+      await addInsurancePolicy(familyId, memberId, memberId, form);
+    }
+    form = emptyForm();
+    await refresh();
+  }
+
+  function edit(p) {
+    editingId = p.id;
+    form = { ...p, sumAssured: String(p.sumAssured ?? ''), expiryDate: p.expiryDate || '' };
+  }
+
+  async function remove(id) {
+    await removeInsurancePolicy(id);
+    if (editingId === id) { editingId = null; form = emptyForm(); }
+    await refresh();
+  }
+
+  async function onFileChange(policyId, e) {
+    const file = e.target.files?.[0];
+    if (!file) return;
+    await uploadPolicyDocument(familyId, policyId, file);
+    e.target.value = '';
+    await refresh();
+  }
+  async function removeDoc(policyId, docPath) {
+    await removePolicyDocument(policyId, docPath);
+    await refresh();
+  }
+
+  function typeLabel(v) { return POLICY_TYPES.find(t => t.value === v)?.label || v; }
+  const totalCover = $derived(policies.reduce((s, p) => s + (Number(p.sumAssured) || 0), 0));
+</script>
+
+<div class="module">
+  <div class="module-header">
+    <h2>Insurance &amp; Takaful</h2>
+    <InfoPanel
+      title="Insurance & Takaful"
+      what="Life insurance, family Takaful, medical cover, or insurance tied to a specific asset (fire cover on a property, comprehensive on a car). Payouts from these policies usually go to a named beneficiary directly and outside the estate — separate from what Faraid distributes — so recording them here means your mutawalli/agent knows what to claim and who to notify."
+      how="Add one policy per record. This is your own list — each family member logs their own cover, but your mutawalli/agent and other family members can see it so nothing gets missed when a claim needs to be made."
+      fields={[
+        { label: 'Type', hint: 'Life, family Takaful, medical, or an asset-specific policy like fire or motor cover.' },
+        { label: 'Provider', hint: 'The insurer or Takaful operator, e.g. Etiqa, Prudential BSN.' },
+        { label: 'Sum assured', hint: 'The payout amount if the policy pays out — a rough figure is fine.' },
+        { label: 'Beneficiary', hint: 'Who the policy names to receive the payout directly.' }
+      ]}
+    />
+  </div>
+  <p class="sub">Log your own life, Takaful, medical, or asset insurance — visible to your mutawalli/agent for claims.</p>
+
+  {#if totalCover > 0}
+    <div class="total-card"><span>Total sum assured</span><strong>{totalCover.toLocaleString()}</strong></div>
+  {/if}
+
+  <div class="form-card">
+    <label class="field"><span>Type</span>
+      <select bind:value={form.policyType}>
+        {#each POLICY_TYPES as t}<option value={t.value}>{t.label}</option>{/each}
+      </select>
+    </label>
+    <label class="field"><span>Provider</span><input type="text" bind:value={form.provider} placeholder="e.g. Etiqa, Prudential BSN" /></label>
+    <label class="field"><span>Policy number</span><input type="text" bind:value={form.policyNumber} /></label>
+    <label class="field"><span>Sum assured</span><input type="number" min="0" bind:value={form.sumAssured} /></label>
+    <label class="field"><span>Beneficiary name</span><input type="text" bind:value={form.beneficiaryName} /></label>
+    <label class="field"><span>Beneficiary relation</span><input type="text" bind:value={form.beneficiaryRelation} placeholder="e.g. spouse, child" /></label>
+    <label class="field"><span>Expiry / renewal date</span><input type="date" bind:value={form.expiryDate} /></label>
+    <label class="field"><span>Notes</span><input type="text" bind:value={form.notes} /></label>
+    <button class="btn-primary" onclick={addOrUpdate}>{editingId ? 'Update policy' : 'Add policy'}</button>
+  </div>
+
+  <div class="list">
+    {#each policies as p (p.id)}
+      <div class="policy-row">
+        <div class="policy-info">
+          <span class="policy-type">{typeLabel(p.policyType)}</span>
+          <span class="policy-desc">{p.provider} {p.policyNumber ? `· ${p.policyNumber}` : ''}</span>
+          <span class="policy-meta">Beneficiary: {p.beneficiaryName || '—'} {p.beneficiaryRelation ? `(${p.beneficiaryRelation})` : ''}</span>
+          {#if p.expiryDate}<span class="policy-meta">Expires {p.expiryDate}</span>{/if}
+        </div>
+        {#if p.sumAssured}<div class="policy-value">{Number(p.sumAssured).toLocaleString()}</div>{/if}
+        <div class="asset-actions">
+          <button onclick={() => edit(p)} aria-label="Edit">✎</button>
+          <button onclick={() => remove(p.id)} aria-label="Remove">✕</button>
+        </div>
+      </div>
+      <div class="doc-row">
+        {#if p.documentPath}
+          <a class="doc-link" href={docUrls[p.documentPath]} target="_blank" rel="noopener">View policy document</a>
+          <button class="doc-remove" onclick={() => removeDoc(p.id, p.documentPath)}>Remove</button>
+        {:else}
+          <label class="doc-upload">
+            Attach policy document
+            <input type="file" accept=".pdf,.jpg,.jpeg,.png" onchange={(e) => onFileChange(p.id, e)} />
+          </label>
+        {/if}
+      </div>
+    {:else}
+      <p class="empty">No insurance or Takaful policies logged yet.</p>
+    {/each}
+  </div>
+
+  <Disclaimer text="Manual entry only — this does not verify or file a claim with any insurer. Policy payouts are typically outside the estate and go directly to the named beneficiary." />
+</div>
+
+<style>
+  .module { padding: 4px 0 40px; }
+  .module-header { display: flex; align-items: center; margin-bottom: 4px; }
+  h2 { font-family: 'DM Serif Display', serif; font-size: 24px; color: #E8E4DC; margin-bottom: 0; }
+  .sub { font-size: 13px; color: #8A8478; margin-bottom: 16px; }
+  .total-card { display: flex; justify-content: space-between; align-items: baseline; background: rgba(201,168,76,0.08); border: 1px solid rgba(201,168,76,0.25); border-radius: 12px; padding: 16px; margin-bottom: 18px; }
+  .total-card span { font-size: 12.5px; color: #B8B2A6; }
+  .total-card strong { font-size: 22px; color: #C9A84C; }
+  .form-card { background: rgba(255,255,255,0.03); border-radius: 12px; padding: 14px; margin-bottom: 16px; }
+  .field { display: flex; flex-direction: column; gap: 6px; margin-bottom: 12px; }
+  .field span { font-size: 12px; color: #B8B2A6; }
+  .field select, .field input { background: rgba(255,255,255,0.05); border: 1px solid rgba(201,168,76,0.2); border-radius: 8px; padding: 10px 12px; color: #E8E4DC; font-size: 14px; }
+  .btn-primary { width: 100%; padding: 12px; border-radius: 8px; border: none; font-weight: 600; cursor: pointer; background: #C9A84C; color: #070A0D; }
+  .list { margin-bottom: 12px; }
+  .policy-row { display: flex; align-items: center; gap: 10px; padding: 12px 0 4px; border-bottom: none; }
+  .policy-info { display: flex; flex-direction: column; flex: 1; gap: 2px; }
+  .policy-type { font-size: 11px; color: #8A8478; text-transform: uppercase; letter-spacing: 0.4px; }
+  .policy-desc { font-size: 13.5px; color: #E8E4DC; }
+  .policy-meta { font-size: 11px; color: #8A8478; }
+  .policy-value { color: #2ECC71; font-weight: 600; font-size: 13px; }
+  .asset-actions button { background: none; border: none; color: #8A8478; cursor: pointer; padding: 4px 6px; }
+  .empty { font-size: 13px; color: #8A8478; text-align: center; padding: 20px 0; }
+  .doc-row { display: flex; align-items: center; gap: 8px; padding: 0 0 12px; border-bottom: 1px solid rgba(255,255,255,0.06); margin-bottom: 4px; }
+  .doc-link { font-size: 11.5px; color: #C9A84C; text-decoration: underline; }
+  .doc-remove { background: none; border: 1px solid rgba(255,255,255,0.15); color: #B8B2A6; font-size: 11px; padding: 3px 8px; border-radius: 6px; cursor: pointer; }
+  .doc-upload { font-size: 11px; color: #8A8478; cursor: pointer; }
+  .doc-upload input { display: none; }
+</style>

src/lib/MutawalliDashboard.svelte

@@ -7,7 +7,7 @@
   import { activeFamilyId, listFamilyMembers, listMyFamilies } from './family.js';
   import { currentUser } from './auth.js';
   import {
-    listAllWassiyahForFamily, listAllWaqfForFamily,
+    listAllWassiyahForFamily, listAllWaqfForFamily, listAllInsuranceForFamily,
     getMemberTrigger, upsertMemberTriggerSetup, fireMemberTrigger,
     listMemberAttestors, addMemberAttestor, updateMemberAttestorName, setMemberAttestorConfirmed,
     notifyHeirs
@@ -23,6 +23,7 @@
   let selectedMemberId = $state(null);
   let wassiyahByAuthor = $state({});
   let waqfByAuthor = $state({});
+  let insuranceByMember = $state({});
 
   let trigger = $state(null);
   let attestors = $state([]);
@@ -34,8 +35,8 @@
 
   async function refresh() {
     if (!familyId) return;
-    const [allMembers, myFamilies, wassiyah, waqf] = await Promise.all([
+    const [allMembers, myFamilies, wassiyah, waqf, insurance] = await Promise.all([
-      listFamilyMembers(familyId), listMyFamilies(), listAllWassiyahForFamily(familyId), listAllWaqfForFamily(familyId)
+      listFamilyMembers(familyId), listMyFamilies(), listAllWassiyahForFamily(familyId), listAllWaqfForFamily(familyId), listAllInsuranceForFamily(familyId)
     ]);
     myRole = myFamilies.find(f => f.id === familyId)?.role;
     members = allMembers.filter(m => m.status === 'active');
@@ -50,6 +51,9 @@
     const waqfGrouped = {};
     for (const w of waqf) (waqfGrouped[w.author_id] ??= []).push(w);
     waqfByAuthor = waqfGrouped;
+    const insuranceGrouped = {};
+    for (const p of insurance) (insuranceGrouped[p.member_id] ??= []).push(p);
+    insuranceByMember = insuranceGrouped;
 
     if (!selectedMemberId && members.length) selectedMemberId = members[0].user_id;
     if (selectedMemberId) await loadMemberTrigger(selectedMemberId);
@@ -156,6 +160,12 @@
             <div class="doc-row">Mutawalli: {w.mutawalli || '—'} · {(w.nf_waqf_beneficiaries || []).length} beneficiaries</div>
           {:else}<div class="doc-empty">None recorded</div>{/each}
         </div>
+        <div class="doc-block">
+          <span class="doc-label">Insurance &amp; Takaful</span>
+          {#each insuranceByMember[selectedMemberId] || [] as p}
+            <div class="doc-row">{p.policy_type} — {p.provider || '—'} {p.sum_assured ? `· ${Number(p.sum_assured).toLocaleString()}` : ''} · beneficiary {p.beneficiary_name || '—'}</div>
+          {:else}<div class="doc-empty">None recorded</div>{/each}
+        </div>
       </div>
 
       <div class="trigger-card" class:triggered={trigger?.triggered}>

src/lib/db.js

@@ -10,7 +10,10 @@ import { supabase } from './supabaseClient.js';
 export async function listAssets(familyId) {
   const { data, error } = await supabase.from('nf_assets').select('*').eq('family_id', familyId).order('created_at');
   if (error) throw error;
-  return (data || []).map(a => ({ id: a.id, type: a.type, description: a.description, value: a.value, location: a.location, ownershipShare: a.ownership_share }));
+  return (data || []).map(a => ({
+    id: a.id, type: a.type, description: a.description, value: a.value, location: a.location, ownershipShare: a.ownership_share,
+    verified: a.verified, verifiedBy: a.verified_by, verifiedAt: a.verified_at, proofDocumentPath: a.proof_document_path
+  }));
 }
 export async function addAsset(familyId, userId, a) {
   const { data, error } = await supabase.from('nf_assets').insert({
@@ -355,3 +358,135 @@ export async function removeRelationship(id) {
   const { error } = await supabase.from('nf_relationships').delete().eq('id', id);
   if (error) throw error;
 }
+
+// ── Insurance / Takaful — per-member: each family member logs their own
+// policies, but any family member (and the mutawalli dashboard) can read them. ──
+export async function listInsurancePolicies(familyId, memberId) {
+  const { data, error } = await supabase.from('nf_insurance_policies').select('*').eq('family_id', familyId).eq('member_id', memberId).order('created_at');
+  if (error) throw error;
+  return (data || []).map(p => ({
+    id: p.id, policyType: p.policy_type, provider: p.provider, policyNumber: p.policy_number,
+    sumAssured: p.sum_assured, beneficiaryName: p.beneficiary_name, beneficiaryRelation: p.beneficiary_relation,
+    expiryDate: p.expiry_date, notes: p.notes, documentPath: p.document_path
+  }));
+}
+export async function addInsurancePolicy(familyId, memberId, createdBy, p) {
+  const { data, error } = await supabase.from('nf_insurance_policies').insert({
+    family_id: familyId, member_id: memberId, created_by: createdBy, policy_type: p.policyType,
+    provider: p.provider, policy_number: p.policyNumber, sum_assured: p.sumAssured ? Number(p.sumAssured) : null,
+    beneficiary_name: p.beneficiaryName, beneficiary_relation: p.beneficiaryRelation, expiry_date: p.expiryDate || null, notes: p.notes
+  }).select().single();
+  if (error) throw error;
+  return data;
+}
+export async function updateInsurancePolicy(id, p) {
+  const { error } = await supabase.from('nf_insurance_policies').update({
+    policy_type: p.policyType, provider: p.provider, policy_number: p.policyNumber,
+    sum_assured: p.sumAssured ? Number(p.sumAssured) : null, beneficiary_name: p.beneficiaryName,
+    beneficiary_relation: p.beneficiaryRelation, expiry_date: p.expiryDate || null, notes: p.notes,
+    updated_at: new Date().toISOString()
+  }).eq('id', id);
+  if (error) throw error;
+}
+export async function removeInsurancePolicy(id) {
+  const { error } = await supabase.from('nf_insurance_policies').delete().eq('id', id);
+  if (error) throw error;
+}
+/** For the mutawalli dashboard: every family member's insurance/Takaful policies. */
+export async function listAllInsuranceForFamily(familyId) {
+  const { data, error } = await supabase.from('nf_insurance_policies').select('*').eq('family_id', familyId).order('created_at');
+  if (error) throw error;
+  return data || [];
+}
+
+const POLICY_DOC_BUCKET = 'nf-asset-documents';
+export async function uploadPolicyDocument(familyId, policyId, file) {
+  const ext = (file.name.split('.').pop() || 'pdf').toLowerCase();
+  const path = `${familyId}/policy-${policyId}/${Date.now()}.${ext}`;
+  const { error: upErr } = await supabase.storage.from(POLICY_DOC_BUCKET).upload(path, file, { upsert: true, contentType: file.type });
+  if (upErr) throw upErr;
+  const { error: dbErr } = await supabase.from('nf_insurance_policies').update({ document_path: path, updated_at: new Date().toISOString() }).eq('id', policyId);
+  if (dbErr) throw dbErr;
+  return path;
+}
+export async function removePolicyDocument(policyId, docPath) {
+  if (docPath) await supabase.storage.from(POLICY_DOC_BUCKET).remove([docPath]);
+  const { error } = await supabase.from('nf_insurance_policies').update({ document_path: null, updated_at: new Date().toISOString() }).eq('id', policyId);
+  if (error) throw error;
+}
+
+// ── Liabilities — family-shared, same ownership model as Assets. Kept
+// distinct because Faraid requires debts settled before distribution. ──
+export async function listLiabilities(familyId) {
+  const { data, error } = await supabase.from('nf_liabilities').select('*').eq('family_id', familyId).order('created_at');
+  if (error) throw error;
+  return (data || []).map(l => ({
+    id: l.id, liabilityType: l.liability_type, lender: l.lender, outstandingBalance: l.outstanding_balance,
+    linkedAssetId: l.linked_asset_id, notes: l.notes, documentPath: l.document_path
+  }));
+}
+export async function addLiability(familyId, createdBy, l) {
+  const { data, error } = await supabase.from('nf_liabilities').insert({
+    family_id: familyId, created_by: createdBy, liability_type: l.liabilityType, lender: l.lender,
+    outstanding_balance: l.outstandingBalance ? Number(l.outstandingBalance) : null,
+    linked_asset_id: l.linkedAssetId || null, notes: l.notes
+  }).select().single();
+  if (error) throw error;
+  return data;
+}
+export async function updateLiability(id, l) {
+  const { error } = await supabase.from('nf_liabilities').update({
+    liability_type: l.liabilityType, lender: l.lender, outstanding_balance: l.outstandingBalance ? Number(l.outstandingBalance) : null,
+    linked_asset_id: l.linkedAssetId || null, notes: l.notes, updated_at: new Date().toISOString()
+  }).eq('id', id);
+  if (error) throw error;
+}
+export async function removeLiability(id) {
+  const { error } = await supabase.from('nf_liabilities').delete().eq('id', id);
+  if (error) throw error;
+}
+export async function uploadLiabilityDocument(familyId, liabilityId, file) {
+  const ext = (file.name.split('.').pop() || 'pdf').toLowerCase();
+  const path = `${familyId}/liability-${liabilityId}/${Date.now()}.${ext}`;
+  const { error: upErr } = await supabase.storage.from(POLICY_DOC_BUCKET).upload(path, file, { upsert: true, contentType: file.type });
+  if (upErr) throw upErr;
+  const { error: dbErr } = await supabase.from('nf_liabilities').update({ document_path: path, updated_at: new Date().toISOString() }).eq('id', liabilityId);
+  if (dbErr) throw dbErr;
+  return path;
+}
+export async function removeLiabilityDocument(liabilityId, docPath) {
+  if (docPath) await supabase.storage.from(POLICY_DOC_BUCKET).remove([docPath]);
+  const { error } = await supabase.from('nf_liabilities').update({ document_path: null, updated_at: new Date().toISOString() }).eq('id', liabilityId);
+  if (error) throw error;
+}
+
+// ── Asset ownership verification — a proof document (car grant, land title,
+// cover note, loan agreement) plus a dual-path confirm: either the
+// mutawalli/agent OR any other family member can mark an asset verified. ──
+export async function uploadAssetDocument(familyId, assetId, file) {
+  const ext = (file.name.split('.').pop() || 'pdf').toLowerCase();
+  const path = `${familyId}/asset-${assetId}/${Date.now()}.${ext}`;
+  const { error: upErr } = await supabase.storage.from(POLICY_DOC_BUCKET).upload(path, file, { upsert: true, contentType: file.type });
+  if (upErr) throw upErr;
+  const { error: dbErr } = await supabase.from('nf_assets').update({ proof_document_path: path }).eq('id', assetId);
+  if (dbErr) throw dbErr;
+  return path;
+}
+export async function removeAssetDocument(assetId, docPath) {
+  if (docPath) await supabase.storage.from(POLICY_DOC_BUCKET).remove([docPath]);
+  const { error } = await supabase.from('nf_assets').update({ proof_document_path: null }).eq('id', assetId);
+  if (error) throw error;
+}
+export async function getDocumentUrl(path) {
+  if (!path) return null;
+  const { data, error } = await supabase.storage.from(POLICY_DOC_BUCKET).createSignedUrl(path, 3600);
+  if (error) return null;
+  return data.signedUrl;
+}
+/** Verifying isn't restricted to the mutawalli — any other family member who has seen the proof can confirm. */
+export async function setAssetVerified(assetId, verifiedBy, verified) {
+  const { error } = await supabase.from('nf_assets').update({
+    verified, verified_by: verified ? verifiedBy : null, verified_at: verified ? new Date().toISOString() : null
+  }).eq('id', assetId);
+  if (error) throw error;
+}