The article is based on 394 questionnaires in six counties of Xi'an city, using regression of binary Logistic modal which systematically analyzes the willingness for endowment insurance system for urban and rural residents and impacting facts.The result shows that age,level of education, perceived income,number of children,understanding of the policy and worry of themselves supporting problem have positive effects on the insurance intention.The insurance intention of older people is more stronger than younger man;the more educated people are, ...