Insurance companies utilize external agents to reach the customers to sell their products. Using analytics, insurers can individually determine purchase probabilities. AI offers customers upselling and cross-selling tailor-made additions to insurance portfolios that have already been arranged. Historic data can be used to define patterns of change based on customer attributes and personalize offerings according to customer understanding. Thus insurers can determine demographic behavior and segregate the location-based cross-selling and upselling of the products to specific customers.