四模块架构测试：Learner / Memory / Planner / Broker Communicator
用户需求收集模块
通过问答方式收集用户的保险需求信息
POST /insurance/user_learner/demand/create
POST /insurance/user_learner/qa/ask
咨询规划生成模块
基于用户画像生成咨询方向与 TODO 列表
POST /insurance/user_planner/plan/create
POST /insurance/user_planner/plan/ask
POST /insurance/user_planner/plan/generate
POST /insurance/user_planner/plan/get
经纪人沟通代写模块
AI 辅助与经纪人沟通，生成代写草稿
POST /insurance/broker_communicator/conversation/create
POST /insurance/broker_communicator/conversation/ask
POST /insurance/broker_communicator/conversation/get
POST /insurance/broker_communicator/conversation/summary