The insurance industry is one of the main indicators of development. This research was conducted with the aim of The impact of insurtech components on insurance startups is given with a grounded theory approach. The research method of this research is based on qualitative approach and data method, focusing on interviews. Therefore, it is considered part of exploratory research. In this research, the systematic design of Corbin and Strauss was used, and based on this design, three stages of open coding, axial coding, and selective coding were performed to analyze the collected qualitative data.

The method of data collection in this research is through interviews, a library method. The participants in the qualitative stage include 15 experts, including senior and executive managers and middle startups active in the insurance industry, with an average of 10 years of work experience and with a master's degree and a doctorate in In the field of information technology, as well as senior managers and senior experts of information technology units of Central Insurance and insurance companies with an average of 15 years of work experience in the fields of insurance and information technology. The selection of the research sample is non-probable and purposeful.

The results of the research showed that 12 influential variables by experts include, identification of existing opportunities, market knowledge, competitive environment, information exchange, diversity and innovation, customer knowledge, risk management, pricing strategy, investment participation, advertising, information technology and organizational technology resources. It was confirmed