With the development of Internet and the enhancement of national insurance awareness, Internet insurance has been developing rapidly. During the '12^th Five-Year' period, the scale of China insurance market ranked third from sixth in the world. The premiums of Internet insurance grew by about 69 times. The proportion of the total insurance premium rose from 0.2% to 9.2%. “2016 China Internet Insurance Industry Development Report” showed that the premium income of China's Internet insurance reached 22.396 billion yuan, an increase of 160%. Only in the first half of 2016, Internet insurance income reached 143.11 billion yuan.

A series of policies make the development of Internet insurance boom. ' New National Ten' encourage insurance products and services to innovate and clearly put forward to support the insurance company actively using of networks, cloud computing, big data, mobile Internet and other new technologies to promote the innovation of insurance sales channels and service model. ' The 13^th Five-Year Outline for the Development of China 's Insurance Industry ' issued by China Insurance Regulatory Commission also proposed to actively implement the 'Internet plus' action to encourage innovation of the Internet business model, sales channels, products, services and other areas and to promote the healthy development of Internet insurance.“ Interim Measures on Internet Insurance Supervision” provides the basis for the standardization of Internet insurance. “Opinions on Deepening the Reform of Insurance Intermediary Market” issued by China Insurance Regulatory Commission introduces the independent agent system, which creates a new spring to the third platform.