Md.AHMED,KUMBHAM SAI NAGA RAJU,RAJULAPATI YASWANTH, KALLAGUNTA HEMANTH SAI PRAVEEN, JALDULA PRAVEEN KUMAR 2026. REAL-TIME INSURANCE RISK PREDICATION WITH CONTINUOUS LEARNING AND EXPLAINABLE AI. International Journal of Data Science and IoT Management System. 5, 1 (Mar. 2026), 579–590. DOI:https://doi.org/10.5281/zenodo.19145386.