In the worldwide time, insurance rapidly a lot of tremendous development in our society. Due to the increased stress in day-to-day life, the growth of demand for insurance increased. Data mining helps insurance firms to discover useful patterns from the customer database direction of determining best strategies. Particle swarm optimization (PSO) is one of the tools in Data mining, PSO is a powerful new technology with great potential to help insurance firms focus on the most important information in the data they have collected about the behaviour of their customers and potential customers. The purpose of the paper aims to present how Particle Swarm Optimization (PSO) algorithm is used in the insurance strategies, how its techniques produce good results in the insurance sector and how data mining enhances in decision making using insurance data.