Update life quotes to use new policy API structure

- Update life quote types to use insured/buyer instead of client
- Update life fields: add coverage_type, coverage_amount, coverage_years, smoker, medications, surgeries, weight, height
- Remove deprecated fields: dateOfBirth, age, gender, preexistingConditions, preexistingDetails, beneficiaryName, beneficiaryRelationship
- Update life quote SetupStep component to use customer selection
- Add Insured and Buyer sections with customer search and selection
- Add health questionnaire with smoker, medications, surgeries, weight, height fields
- Add coverage_type field (banking | protection)
- Update life quote page to use new composables and API structure
- Update validation to use insured/buyer validation
- Update submission to use policy API with new structure

app/pages/quotes/life/index.vue

@@ -1,6 +1,8 @@
 <script setup lang="ts">
 import { emptyLifeQuoteDraft } from '~/composables/useLifeQuoteDraft'
 import type { LifeQuoteIntakePayload, LifeQuoteMode, LifeQuoteSegment } from '~/types/life-quote-intake'
+import { useCustomerSelection } from '~/composables/useCustomerSelection'
+import { usePolicyApi } from '~/composables/usePolicyApi'
 
 definePageMeta({ ssr: false })
 
@@ -24,6 +26,18 @@ const draft = reactive(emptyLifeQuoteDraft())
 const toast = useToast()
 const { quoteRequestEmailEnabled } = useQuoteRequestEmailEnabled()
 
+// Use customer selection composable
+const {
+  insured,
+  buyer,
+  isInsuredValid,
+  isBuyerValid,
+  validationErrors
+} = useCustomerSelection()
+
+// Use policy API composable
+const { submitPolicyQuote } = usePolicyApi()
+
 const modeCards: { id: LifeQuoteMode; title: string; hint: string; icon: string }[] = [
   {
     id: 'single',
@@ -60,19 +74,6 @@ const segmentCards: { id: LifeQuoteSegment; title: string; hint: string; icon: s
   }
 ]
 
-function canProceedFromCustomer() {
-  const c = draft.client
-  if (!c.fullName.trim() || !c.email.trim()) {
-    toast.add({
-      title: 'Add legal name and email',
-      description: 'We need them for notifications and the quote file.',
-      color: 'warning'
-    })
-    return false
-  }
-  return true
-}
-
 function canProceedFromSetup() {
   if (!draft.quoteMode) {
     toast.add({ title: 'Choose quote type', description: 'Single or comparative.', color: 'warning' })
@@ -82,30 +83,26 @@ function canProceedFromSetup() {
     toast.add({ title: 'Choose policy type', description: 'Individual, corporate / key person, or group.', color: 'warning' })
     return false
   }
-  if (!canProceedFromCustomer()) return false
-  if (
-    (draft.segment === 'corporate_keyman' || draft.segment === 'group') &&
-    !draft.client.organizationName?.trim()
-  ) {
+  if (!isInsuredValid.value) {
     toast.add({
-      title: 'Add organization',
-      description: 'Required for corporate and group policies.',
+      title: 'Complete insured information',
+      description: `Missing: ${validationErrors.value.insured.join(', ')}`,
       color: 'warning'
     })
     return false
   }
-  if (!draft.life.dateOfBirth || !draft.life.gender) {
+  if (!isBuyerValid.value) {
     toast.add({
-      title: 'Complete age & health screening',
-      description: 'Date of birth and gender are required for life underwriting.',
+      title: 'Complete buyer information',
+      description: `Missing: ${validationErrors.value.buyer.join(', ')}`,
       color: 'warning'
     })
     return false
   }
-  if (!draft.life.coverageAmount || !draft.life.coverageTerm) {
+  if (!draft.life.coverage_type || !draft.life.coverage_amount || !draft.life.coverage_years) {
     toast.add({
-      title: 'Complete coverage intent',
-      description: 'Select coverage amount and term.',
+      title: 'Complete coverage details',
+      description: 'Coverage type, amount, and years are required.',
       color: 'warning'
     })
     return false
@@ -170,17 +167,23 @@ function goNext() {
 
 function buildPayload(): LifeQuoteIntakePayload {
   return {
-    quoteMode: draft.quoteMode!,
-    segment: draft.segment!,
-    client: { ...draft.client },
-    life: { ...draft.life },
-    solicit: {
-      carrierIds: [...draft.solicit.carrierIds],
-      planIds: [...draft.solicit.planIds]
-    }
+    policy_type: 'life',
+    insured: insured.value,
+    buyer: buyer.value,
+    policy_details: { ...draft.life },
+    selected_providers: draft.solicit.carrierIds.map(id => ({
+      provider_id: id,
+      email: getProviderEmail(id)
+    }))
   }
 }
 
+function getProviderEmail(providerId: string): string {
+  // This would come from the providers API
+  // For now, return a placeholder
+  return `quotes@${providerId}.com`
+}
+
 async function finalize() {
   if (!draft.quoteMode || !draft.segment) return
   if (intakeBusy.value) return
@@ -204,6 +207,10 @@ async function finalize() {
       })
       return
     }
+
+    // Submit to policy API
+    const data = await submitPolicyQuote(payload)
+    
     toast.add({
       title: emailOn ? 'Quote requests recorded' : 'Quote run saved (no emails)',
       description: emailOn
@@ -211,6 +218,9 @@ async function finalize() {
         : 'Outbound provider email is off in Settings — this request stays in-app for tables, APIs, or AI.',
       color: 'success'
     })
+    
+    // Navigate to policy detail page
+    await navigateTo(`/policies/${data.application_id}`)
   } finally {
     intakeBusy.value = false
   }