Abstract：Based on the classical model with interference, and assumed that the arrival process of the amount of claim, the insurance policy and refunding as Compound Binominal process, this paper has established a new multi-insurance risk model with the consideration of the disturbance terms.By the martingale approach and convergence theorem, the formula of ultimate ruin probability is proved simply, and the Lundberg inequality is derived.

Keyword：surrender events;interference;martingale;