The Impact of Artificial Intelligence on the Global Insurance Market: Enhancing Sales and Customer Experience

Artificial Intelligence (AI) is revolutionizing the global insurance industry by improving operational efficiency, enhancing customer experience, and enabling innovative sales strategies. This paper explores the transformative impact of AI across all insurance sectors, including life, health, automobile, property, and liability insurance. Using a comprehensive literature review and market data analysis, the study highlights how AI applications—such as automated underwriting, predictive analytics, and intelligent customer service—drive business growth and customer satisfaction. The findings indicate that companies adopting AI solutions achieve faster policy issuance, better risk assessment, higher customer retention, and increased sales. Challenges such as data privacy, ethical considerations, and workforce adaptation are also discussed. This paper provides actionable recommendations for insurance providers seeking to leverage AI for competitive advantage in a rapidly evolving market.

کلیدواژه ها:

Artificial Intelligence ، Insurance ، Customer Experience ، Sales ، Digital Transformation