Intelligent Marketing in Insurance: Framework for Optimization and Competitive Advantage

This study examines how Artificial Intelligence (AI) transforms insurance marketing strategies through machine learning and predictive analytics. We investigate the shift from traditional approaches to AI-enabled systems that deliver personalized solutions and streamlined operations. The research develops and validates the AI-Powered Insurance Marketing Optimization Framework (AIMOF), integrating customer data analysis with dynamic recommendations and automated workflows. Our findings demonstrate that AI implementation improves cost efficiency and customer retention while creating competitive advantages through personalization and faster response times. The study addresses implementation challenges including data quality, system complexity, and regulatory compliance. This research provides strategic guidelines for insurance organizations leveraging AI in marketing operations while maintaining ethical considerations in an increasingly competitive marketplace.