Because of self industrial characteristics and the change of external economic and financial environment of life insurance industry, currently, the profiting model of China’s life insurance companies tends to the Marine-School model by regarding investment gain as the leading role, its profiting sources excessively depend on investment and their insurance business is in deficit state. The impact of macro-economy and financial market on Marine-School model is big, there are serious hidden trouble and risk in it, the life insurance companies should change their business from Marine-School model to Mountain-School model and change the profiting method from “taking interests difference as major” to “comprehensively profiting”. Life companies should emphasize and actively raise insurance profit, strengthen the development and marketing for life insurance products with higher insured profits, narrow bank insurance channel business, increase individual insurance business, intensify risk management and control, standardize marketing method, realize double driving of insurance and investment through structural transition of products and channels.