increases the penetration rate of insurance and reduces insurance violations and frauds. With the development of the Internet and application users, insurance startups have a small share in the production of insurance premiums, and this Features will be effective when accepted. The main purpose of this research is to identify the indicators of technology acceptance in the insurance industry and to know the relationship between them. For this purpose and to identify the factors influencing the acceptance of insurance technology, a total of 43 interviews were conducted with insurance experts through a questionnaire using the Grounded theory aproach. The results show that the variables of support, legitimacy, cultural development and performance have a high penetrating power and has little influence and is placed in the area of independent variables. The variables of price, cooperation, trust and purchase benefits also have high dependence but little influence. Therefore, they are considered dependent variables. Constraint and complexity variables have similar influence and degree of dependence. Therefore, they are linked variables. Since the variables of support, legitimacy, cultural factors and performance have a high impact and have a high penetrating powe, they should be taken into consideration by the industry trustee to create a supportive atmosphere for insurtechs and provide appropriate resources and strengthen the sustainable infrastructure of insurtech development and on the other hand, the variables of price, cooperation, trust and purchase benefits are very effective.