Today, the insurance industry is one of the important factors in the development of countries, and with the emergence of new technologies in the world, the insurance industry has also evolved slowly, and today we are witnessing the presence of digital revolutions. In this article,by determine the basic strategies of exploiting an emerging technology in the development of the insurance industry, i.e. the central bank's digital money, to accelerate and facilitate insurance processes using the SWOT matrix and the QSPM matrix, and to consider its long-term and stable implementation process.at first, by using the meta-combination method and by examining numerous researches, the strengths, weaknesses, opportunities and threats of the implementation of the central bank's digital money on insurance processes were analyzed. Then, the points extracted from the studies of the sources of the offender in the form of a SWOT matrix were provided to experts in the relevant field in order to estimate the importance of each of the points extracted from the implementation of the Central Bank's digital money in the insurance industry. In the end, in order to provide the main strategy in designing and issuing more efficient digital money, the central bank used numerous studies in the field of money and prioritized the strategies by QSPM matrix and by asking experts in this field. The results indicate that the main offensive strategy is "Issuance of value-based (token-based) central bank retail digital money with diversified interest" as the best sub-offensive strategy that can be adopted by policy makers.