1. Can the insurance be refunded in full if the salesperson signs on his behalf?

1. As long as there is clear evidence to prove that the signature of the insured on the policy application form is a signature, it can be requested. Full refund. The Insurance Law expressly stipulates that for life insurance with death as the condition for payment, the insurance contract signed by the agent is invalid and the policy has no legal effect from the beginning. An invalid contract will of course require a full refund of the insurance premium collected.

2. Legal basis: Article 10 of the "Insurance Law of the People's Republic of China"

An insurance contract is an agreement between the policy holder and the insurer to stipulate the insurance rights and obligations. An insured person refers to a person who enters into an insurance contract with an insurer and is obligated to pay insurance premiums in accordance with the contract. An insurer refers to an insurance company that enters into an insurance contract with the policy holder and assumes the liability for compensation or payment of insurance premiums in accordance with the contract.

2. What conditions must be met for a full refund?

The following conditions must be met for a full refund:

1. The salesperson has a fraudulent market The personal act of selling. There is a big difference between the content of the insurance contract and what the salesperson said. If you encounter this situation, you can apply to the auto insurance company for a full refund. There are indeed some situations in life where salespeople exaggerate the functions of products in order to increase their own sales and induce customers to buy;

2. The insurance company did not conduct a return visit. The China Banking Regulatory Commission stipulates that auto insurance companies must conduct follow-up visits to customers who purchase insurance policies. If the customer does not receive such a call, they can apply for a full surrender of the policy;

3. The salesperson will sign on his or her behalf. The insurance policy is signed or stamped with the official seal by the salesperson, and the insured can also apply for a full refund. However, if the insured has paid the insurance premium, it will be regarded as a ratification of the act of signing or affixing the official seal. In this case, the insurance cannot be refunded.