how do i develop a software for insurance database system

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You didn't get an answer in VB.NET and I doubt you'll get one in here. That's like asking how to build a car. Be more specific.

and be more correct. are you building a database ? this is not linked to "insurance". are you building an application which should organize insurances and uses a database ? that's an entirely different matter.

my answer so far: don't be lazy and write the code, but I do recommend to make/get an analysis first.

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