作为保险公司最重要资源之一的市场营销渠道 ,它对保险公司的巨大意义不言而喻。然而 ,传统营销渠道由于固有的缺陷 ,已经难以适应加入WTO后竞争加剧的保险市场。因而 ,如何构造新型保险营销渠道就成为保险界关注的焦点。本文首先针对传统保险营销渠道的缺陷 ,提出了新型保险营销渠道模型———渠道整合模型 ;同时剖析了保险整合营销渠道的基础———渠道细分 ;最后提出了渠道可持续发展的关键在于渠道关系从交易型走向伙伴型 As a marketing channel for one of the most important resources for insurers, it is self-evident for the insurer. However, due to the inherent defects of traditional marketing channels, it has become difficult to adapt to the increasingly competitive insurance market after China’s accession to the WTO. Therefore, how to construct a new insurance marketing channel has become the focus of the insurance industry. In this paper, aiming at the shortcomings of traditional insurance marketing channels, a new type of insurance marketing channel --- channel integration model is proposed. At the same time, the basis of insurance integrated marketing channels --- channel segmentation is analyzed. Finally, the key to sustainable development of channels is Channel relationship from the transaction type to partner type