目前，我国保险行业中的保险营销员的总体流失率很高，高频率的流动成为一种“普遍”现象，从而导致了保险公司的业务波动，寿险市场规模占有率下滑等各种的负面效应。此外，保险营销员的大量流失也使销售出去的保单处于无人看管的状态，并给客户带来不必要的麻烦，甚至损失。形成这种不稳定局面的主要因素就是这个规模庞大的劳动群体一直以来都面临着社会保险保障缺失的问题。本文以公共管理学中公平理论的原理作为指导，运用实证研究和比较分析的方法，通过对X保险公司保险营销员现状的研究，及对服务于保险一线的广大保险营销员的社会保险保障缺失问题进行了分析。同时，通过对保险营销员社会保险保障方面与我国目前的社会保险保障进行了比较分析，探讨了社会保险主体的公平性。希望政府本着能够更好地促进我国保险业的持续健康地发展，以来解决广大保险营销员社会保险保障缺失这一问题。从政府角度，提高社会保险保障的覆盖面；刺激社会保险的缴纳热情；引导广大人民群众的保险意识等方面着手。

At Present, China’s insurance industry, the insurance salesman’s overall turnover rate is high, the flow into a high frequency of “universal” phenomenon, leading to fluctuations in the insurance business, life insurance market share decline and other negative effects of. In addition, the loss of a large number of insurance agents sold insurance policies also in the unattended state, and cause unnecessary trouble to the customer, or even losses. The formation of such instability is a major factor in this large – scale labor groups have been faced with the problem of lace of social insurance.In this paper, the theory of public management in equity as a guiding principle, the use of empirical research and comparative analysis, China’s insurance market through social insurance status of members of the research, and service in the insurance line of the majority of insurance agents of social insurance lack analyzed. Meanwhile, the insurance salesman with the social insurance aspects of China’s current social insurance protection, For a comparative analysis of the fairness with the main social insurance.Hope that the government to proceed, in line with that of China’s insurance industry to better promote the sustainable and healthy development, since the majority of insurance agents to solve the social problem of this lack of insurance coverage. From the government perspective, improve social insurance coverage: to stimulate enthusiasm form the payment of social insurance; guide the masses of insurance awareness and other aspects.