en تخصصي Special پژوهشي Research <span style="font-size:11pt"><span style="line-height:normal"><span style="unicode-bidi:embed"><span sans-serif="" style="font-family:Calibri,"><span new="" roman="" style="font-family:" times="">The main objective of this research is to identify and prioritize the factors influencing the purchase of insurance portfolios using the AHP approach. The research is applied and descriptive in nature, and the data were collected in Excel tables and are quantitative. The data used in this study were obtained from the Cooperative Insurance Company, related to the purchases of 33,671 customers. The nature of this research is data-driven, and the main basis of the research is to discover knowledge from the database of the Cooperative Insurance Company. In this study, transactions related to Cooperative Insurance customers were examined. After identifying the factors influencing the purchase of insurance portfolios, these factors were validated by 15 experts using the Delphi technique and then prioritized using Expert Choice software. The findings indicated that delay, frequency, monetary value, and customer relationship length are effective in examining the behavior of policyholders. It was determined that the criterion of monetary value, with a score of (0.473), holds the highest importance according to experts in weighting, ranking first, followed by frequency with a score of (0.216), delay with a score of (0.169), and customer relationship length with a score of (0.142) in fourth place.</span></span></span></span></span> Purchase Model, Policyholders, Insurance Portfolios, Cooperative Insurance 55 64 http://ijorlu.lahijan.iau.ir/browse.php?a_code=A-10-576-2&slc_lang=en&sid=1 B. Babazadeh Baloochi bahman.babazadeh1984@gmail.com 10031947532846002151 10031947532846002151 No Department of Business Management, Rasht Branch, Islamic Azad University, Rasht, Iran K. Shahroudi k_shahroodi@yahoo.com 10031947532846002152 10031947532846002152 Yes Department of Business Management, Rasht Branch, Islamic Azad University, Rasht, Iran M. Mirbargkar mirbargkar@yahoo.com 10031947532846002153 10031947532846002153 No Department of Business Management, Rasht Branch, Islamic Azad University, Rasht, Iran F. Farahbod farzinfarahbod1344@gmail.com 10031947532846002154 10031947532846002154 No Department of Public Administration, Rasht Branch, Islamic Azad University, Rasht, Iran