According to the data of China Insurance Yearbook 2018, there were 8.07 million insurance salesmen in China by the end of 2017, reaching a new historical high. The premium income generated by salesmen reached about 2.76 trillion yuan in 2017, accounting for approximately 75% of the original premium income in the country, which played a huge role in promoting China's financial development. However, there also exist many problems in Chinese insurance marketing system. For example, the salesmen are in high mobility, low salary and benefits, poor professional image, etc., all restricting the healthy development of the insurance market. Based on the above background, this paper focuses on social insurance of salesmen and explores an innovation path of China's insurance marketing system. Firstly, this paper expounds the importance of improving the social security of salesmen for the development of insurance market from three aspects: attracting high-quality talents, reducing the turnover rate and consummating the incentive mechanism. And then, from the official websites of insurance self-regulatory organizations in China and some insurance well-developed countries, this paper obtains relevant data on the participation and security level of social insurance of salesmen in various countries from 2014 to 2017. Next, using the method of comparative analysis, this paper compares the data of China in time dimension, and analyses the development trend of social insurance for Chinese salesmen in the past four years. Meanwhile, it compares the data of insurance well-developed countries in space dimension to know the level of development of social insurance for Chinese salesmen. The conclusion drawn from the above research is that the coverage and security level of social insurance of Chinese insurance salesmen are always at a low level; the level of social security development of China's insurance marketers lags behind that of developed countries. Moreover, this paper studies the reasons for the lack of social insurance for Chinese insurance salesmen from two aspects: relationship between insurance companies and salesmen, and salesman's annual after-tax commission income. The conclusion is that the principal-agent relationship makes it unnecessary for insurance companies to provide social insurance for salesmen, and the fact that the social insurance charges accounts for a large proportion of salesmen's after-tax commission income lead to many salesmen unable to own social insurance. Finally, on the basis of the above research, this paper puts forward some innovative suggestions from two aspects: the flexible transformation of legal relationship between insurance companies and salesmen and the increase of salesmen's commission, aiming at building a more scientific social security system for insurance salesmen, improving the economic status of insurance salesmen, and push the insurance market of China to mature gradually.
