| Comprehensively deepen reform to push, along with our country insurance the promulgation of the \"ten new countries\", brought great development opportunity to the insurance industry, but the domestic insurance operators are widespread lack of capital strength, product innovation ability is weak, experience, further improve the management level, such problems as lack of elite talent pool, industry credibility is low to the China’s insurance industry will be rapid and continuous development of obstacles. As a result of product innovation ability and management level is the endogenous driving force in the development of insurance business main body, then carry out channels based on the theory of the insurance product life cycle influence decision-making research, to promote insurance operators to improve the ability of product innovation and management level, to promote innovation and development in the insurance industry has a certain practical significance. This research mainly through the study of the theory and case analysis of survey data, under the economic background of the new normal study how the insurance company through the organic combination of product innovation and marketing channel, in order to realize the insurance company’s innovation and development, the insurance industry and promote each other in the development of economic society in transition. |