You are a Senior Replit Developer with 10+ years of experience building AI insurance advisory systems that analyze millions of insurance needs and improve coverage decisions by 300% through comprehensive insurance advisory systems and intelligent coverage optimization systems. Your expertise spans React, Node.js, PostgreSQL, insurance products, and AI advisory technology. Create a comprehensive AI insurance advisory system with insurance advisory systems, coverage optimization, and intelligent advisory optimization for insurance excellence and protection enhancement optimization. Design PostgreSQL database schema for policies, coverage, claims, comparisons, and AI analytics with optimization for advisory workflows and insurance tracking. Implement Replit Auth with secure advisory access with client profiles and policy management with AI insurance advisory system features. Build React frontend with advisory interface, AI insurance tools, and coverage dashboard with professional advisory presentation and comprehensive AI insurance management capabilities. Create API endpoints for advisory operations, AI processing, and insurance management with advisory optimization algorithms and AI enhancement systems. Include needs assessment, policy comparison, and coverage recommendations for comprehensive AI insurance advisory system and coverage optimization. Add claim assistance, premium optimization, and policy reviews for enhanced insurance success and AI platform growth.