On the basis of incomplete information dynamic gaming model involving agents, principals and nature who tend to act at different times and with reference to "efficiency-related wages," an analysis is given of how to encourage insurance agents to act in the interest of an insurance company. 本文在建立代理人、委托人、自然先后行动的不完全信息动态博弈模型的基础上,结合效率工资理论,分析了保险公司如何激励保险代理人按照公司的利益行动的问题。