feat: add insurance reminders preview and toggle in settings

app/settings/page.tsx

@@ -209,6 +209,110 @@ function SaveButton({ label = "Save changes" }: { label?: string }) {
   );
 }
 
+type InsuranceReminder = {
+  policyId: string;
+  name: string;
+  nextPaymentDate: string;
+  monthlyPremium: number;
+};
+
+function InsuranceReminderPreview() {
+  const [status, setStatus] = useState<
+    "loading" | "loaded" | "empty" | "unauthorized" | "error"
+  >("loading");
+  const [reminders, setReminders] = useState<InsuranceReminder[]>([]);
+  const [error, setError] = useState<string | null>(null);
+
+  useEffect(() => {
+    let active = true;
+
+    async function loadReminders() {
+      try {
+        const response = await fetch("/api/insurance/reminders");
+        if (!active) return;
+
+        if (response.status === 401 || response.status === 403) {
+          setStatus("unauthorized");
+          setError("Connect your wallet to view upcoming insurance reminders.");
+          return;
+        }
+
+        if (!response.ok) {
+          const body = await response.text();
+          throw new Error(body || response.statusText);
+        }
+
+        const data = (await response.json()) as InsuranceReminder[];
+        if (!active) return;
+
+        setReminders(data);
+        setStatus(data.length > 0 ? "loaded" : "empty");
+      } catch (err) {
+        if (!active) return;
+        setStatus("error");
+        setError(err instanceof Error ? err.message : String(err));
+      }
+    }
+
+    loadReminders();
+    return () => {
+      active = false;
+    };
+  }, []);
+
+  return (
+    <div className="mx-6 mt-4 rounded-2xl border border-gray-100 dark:border-gray-800 bg-gray-50 dark:bg-gray-950 p-4">
+      <div className="flex flex-col gap-2 sm:flex-row sm:items-center sm:justify-between">
+        <div>
+          <p className="text-sm font-semibold text-gray-900 dark:text-white">
+            Insurance reminders
+          </p>
+          <p className="mt-1 text-xs text-gray-500 dark:text-gray-400">
+            Show upcoming or overdue premium payments for your active policies.
+          </p>
+        </div>
+        <div className="text-xs text-gray-500 dark:text-gray-400">
+          {status === "loading" && "Loading…"}
+          {status === "empty" && "No reminders in the next 7 days."}
+          {status === "loaded" && `${reminders.length} reminder${reminders.length === 1 ? "" : "s"}`}
+          {status === "unauthorized" && "Sign in to view reminders."}
+          {status === "error" && "Unable to load reminders."}
+        </div>
+      </div>
+
+      <div className="mt-4 space-y-3">
+        {status === "loaded" &&
+          reminders.map((reminder) => (
+            <div
+              key={reminder.policyId}
+              className="rounded-2xl border border-gray-200 dark:border-gray-800 bg-white dark:bg-gray-900 px-4 py-3"
+            >
+              <div className="flex flex-col gap-2 sm:flex-row sm:items-center sm:justify-between">
+                <p className="text-sm font-medium text-gray-900 dark:text-white">
+                  {reminder.name}
+                </p>
+                <span className="text-xs text-gray-500 dark:text-gray-400">
+                  Due {new Date(reminder.nextPaymentDate).toLocaleDateString()}
+                </span>
+              </div>
+              <p className="mt-1 text-xs text-gray-500 dark:text-gray-400">
+                Premium: ${reminder.monthlyPremium.toFixed(2)}
+              </p>
+            </div>
+          ))}
+        {status === "unauthorized" && (
+          <p className="text-sm text-gray-500 dark:text-gray-400">{error}</p>
+        )}
+        {status === "error" && (
+          <p className="text-sm text-red-600 dark:text-red-400">
+            {error ?? "Could not load insurance reminders."}
+          </p>
+        )}
+      </div>
+    </div>
+  );
+}
+
 // ─── Sections ────────────────────────────────────────────────────────────────
 
 function ProfileSection() {
@@ -302,6 +406,12 @@ function NotificationsSection() {
           description="When you hit 25 %, 50 %, 75 %, or 100 % of a goal"
           defaultChecked
         />
+        <Toggle
+          label="Insurance premium reminders"
+          description="Receive alerts when insurance premiums are due or overdue."
+          defaultChecked
+        />
+        <InsuranceReminderPreview />
         <p className="px-6 pt-5 pb-2 text-xs font-medium uppercase tracking-widest text-gray-400 dark:text-gray-500">
           Channels
         </p>