"Independent agent" mainly refers to the agent system that operates independently and can represent multiple insurance companies at the same time. In 20 18, the regulatory authorities conducted the first public consultation on the Insurance Agents Regulations (Draft for Comment), followed by the second public consultation, clearly proposing to speed up the establishment of an independent personal agent system; At the end of last year, the China Banking Regulatory Commission officially issued the Notice on the Development of Independent Life Insurance Agents, which clarified the regulatory rules such as the positioning, conditions, standards, code of conduct, selection mechanism, company management, supervision and management of independent life insurance agents. Subsequently, Shenzhen, Hubei, Shaanxi and other places successively promoted the transmission and landing of the new regulations, and insurance companies also began to test the water.