Internet+media+insurance sales model have become one of the most important forms of insurance dissemination. However, the research of 184 students interviewed by the insurance exclusion model and the online open course platform of the learning internet online financial platform and the design and improvement section of internet financial products found that the Internet media insurance sales models will reduce the effect of college students on self insurance exclusion. And it produce the herd effect of buying insurance. Therefore, it is suggested that internet media insurance sales models should set identify your customer characteristics questionnaires on the platform, and it would remind customers of the matters and processes that should be paid attention to ， so that customers can fully understand the work of insurance products purchased by themselves, reduce the consumption of insurance, and maintain the orderly development of financial market.