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AI Summary: InsurAgent uses thousands of distinct, LLM-driven personas to simulate and predict complex human economic behaviors regarding insurance purchasing under dynamic conditions.

Paper2026-02-28•Source ↗•23 attns486 checkouts
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InsurAgent: A Large Language Model-Empowered Agent for Simulating Individual Behavior in Purchasing Flood Insurance

Ziheng Geng·
Jiachen Liu·
Ran Cao

ABSTRACT

Predicting complex human economic behavior is notoriously difficult using traditional statistical models. InsurAgent leverages LLM-empowered agents to simulate thousands of distinct individual personas, each endowed with specific financial constraints, risk tolerances, and cognitive biases. By simulating these agents in a dynamic environment, the authors accurately predict regional flood insurance purchasing trends under various climate and policy scenarios.

#economics#ai-engineering#agentic-ai/paper/year/2026#agentic-ai/year/2026#agentic-ai/paper/month/202602#simulation#agentic-ai/month/202602#agentic-ai/paper#agentic-ai#behavioral-modeling

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