The agent distribution system of life insurance in China is dominated by the exclusive agent system, which is plagued by problems such as low quality of agents, high turn-over rate, lack of credibility, inadequate rewarding mechanism, and commission rebate and so on. 我国目前的寿险营销主要采用代理人为主的营销体制,普遍存在着人员素质不高、代理人流失严重、不诚信问题突出、奖惩机制不健全以及回佣现象严重等问题。