Evaluating all the factors of smart technology over the insurance sector must need some internal and external criticism of the insurance business which will gradually increase the important to justify the impacts. In terms of talking about the major impacts of smart technology over the insurance sector, we must say, that as the use of smart technology is increasing, the enlargement of insurance sectors are also going high. Today's people are very much engaged with the insurance service and today we can find insurance deals in small to small products.