The invention discloses a flame retardant thermal insulation negative ion wood lacquer additive, which comprises following components: water, a negative ion additive, an antifoaming agent, a wetting agent, a dispersant, a polyurethane thickening agent, a film forming polymer, a cosolvent, a film forming aid, tea oil, tea seed shells, kaolin, tea residues, and diatomite. In the prior art, a conventional wood lacquer additive only has a single function, multiple additives should be added, the cost is increased, the resources are wasted, the air is polluted, the human health is damaged, the conventional wood lacquer is not environmentally friendly, and the shortages mentioned above are overcome. Lacquer cracking and shredding are prevented; the substrate covered by the lacquer is better protected; the cost is reduced, and the drying time is shortened. The work efficiency is improved, and at the same time, the wood lacquer additive has a flame retardant function and a thermal insulation function, is capable of continuously releasing negative ions, quickly removes odor of wood lacquer, and improves the life quality.