Millions of insurance agents have promoted the development of Chinese insurance business,while their aim at the maximized self-interests results in the difficulty in avoiding moral risks.In this context,the insurance agent incentive mechanism is necessary.However,the existing incentive mechanism fails to avoid the agents moral risks,effectively but may add such risks instead.Hence,we correct the incentive mechanism model and add the loss rate as well as the surrender rate into the mechanism model to make it more effective.