Abstract:With biological identification features of universality, portability, uniqueness and stability, electrocardiogram (ECG) as a novel identification method has crossover application in the information field. It enriches and improves the existing biometric identification techniques, and is suitable for customer identification in the insurance industry. This paper firstly introduces common biometric identification techniques used in the insurance industry, and ECG biometric identification technique and its advantages. It then explains the main content of ECG biometric identification technique, and systematically reviews the latest research advances at home and abroad related to the characteristic points of ECG identification and their extraction. Based on the application practice of ECG identification technique in the domestic insurance industry for nearly 20 years, this paper outlines its technical identification process. Finally, this paper looks forward to the development of the technique in the future. It is aimed to further promote the application of this technique in the insurance industry and other industries.