This study aims to explore the relationship between intellectual worker motivation, perceived innovation value, and innovation output in Guangdong insurance companies. The study distributed 300 questionnaires to 15 insurance companies in Guangdong province, and the data was analyzed using correlation and hierarchical regression analysis methods. The results showed that compensation incentives, benefits incentives, development incentives, and workplace incentives for intellectual workers have a significant positive effect on perceived innovation value. Workplace incentives were found to be the most effective incentive for improving perceived innovation value, while compensation incentives had the least impact. The study also found that different incentive measures have different effects on improving innovation output. Workplace incentives had the greatest impact, followed by benefits incentives, while development incentives and compensation incentives had a relatively low positive effect on innovation output. Therefore, strengthening incentive measures for intellectual workers in the management process can be significant for improving innovation output.