Abstract: Intelligent recommendation of insurance scheme is an important component to assist insurance product recommendation; it can use the computer to automatically generate the best insurance scheme for different demand users. An intelligent recommendation approach for insurance scheme by genetic algorithm is constructed, the personalized recommendation of insurance scheme based on the key principle of insurance scheme is presented, and the fitness function adapted to this model is introduced; what’s more, the hybrid encoding with groups natural number is employed, the crossing and variation operation are proposed using constraint conditions. The simulation experimental results show that the proposed approach is feasible and valid in insurance scheme recommendation.
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Key words: genetic algorithm, intelligent recommendation, insurance scheme, personalized service