Under the financial liberalization tide's impetus, the global bank and insurance business's mutual fusion already was ultimately. The bank insurance takes a financial innovation, it produces with develops, has displayed the characteristic which fully the banking industry and the insurance business resource sharing, the survival of the fittest and the benefit enjoys, its positive role is obvious. In recent years, bank insurance business obtained the rapidly expand in our country, but also had many problems. Article question which exists through the analysis current bancassurance cooperation, discovered the reason to be, proposed the solution puzzle bancassurance cooperation development's suggestion, the exploration sped up the bancassurance cooperation the development step, the solid cash to guarantee the win-win way. key word: Bank insurance; Bancassurance cooperation; Existence question; Strategy choice