Firstly, this paper tries to construct Douglas’s production function model and theoretical analysis framework, which includes rural life insurance organizational system innovation, rural residents; Income and rural social security level, the System Annotation Life Insurance Organization System Innovation to the village organization Revitalization Function Channel and the influence effect; Secondly, through the establishment of Panel Model Empirical Study of Rural Life Insurance Organization system innovation on rural income and rural social security level. The results show that the institutional innovation of Rural Life Insurance Organizations is an important driving force to promote the revitalization of rural organizations. The coordinated innovation of Rural Life Insurance Organizations can make the system innovation sustainable through its effect on the efficiency of organization operation. Institutional innovation brings about the improvement of the efficiency of capital and technology utilization, reduces the operating cost of life insurance organizations, increases the income of residents and the level of social security, and promotes the revitalization of rural organizations Although institutional innovation is positively related to income and security, its impact on the former is obviously greater than that on the latter, and the positive impact of institutional innovation on rural revitalization is decreasing from east to west. Accordingly, this paper advocates to continue to promote the implementation of institutional innovation, so that it is more focused on increasing rural income.