The invention relates to an insurance on-line sale system. The system can establish user, information, insurance product and other databases. The system adopts flash and other techniques to improve safety and practicability. A user becomes a registered user by filling in true personal data and choosing jobs (risk grades). The system automatically encrypts the data. The registered user can append a family member as an insured person to the self. After logging in, the registered user can calculate and get acquaint with the premium, insured amount and benefit situation of various insurance products on line. An insurance fit for the user is chosen and appended to an insurance plan, or the plan can be automatically appended through an intelligent insurance choosing system. A satisfying plan can be submitted on line, and then the system automatically generates a corresponding insurance slip and other forms to be filled by the user on line. After an insurance company receives the insurance slip submitted by the system, the corresponding insurance slip can be directly printed out through a printing system. After finishing the insurance slip and confirming with the insurance company, the user can choose a plurality of free modes of paying the premium, comprising on-line payment, etc. With the system, the insurance company can know the insured situations of all users and provide various on-line and after services (such as security, question answering, etc.), thereby solving low efficiency problems caused by the prior insurance sale needing face to face, safety problems in on-line sale, etc. The system allows the on-line sale of insurance products to become possible, and has essential differences with the prior card business sold only on the Internet.