If the insurer or the insurer's agent signs or seals on its behalf, it will have no effect on the applicant. However, if the applicant has paid the insurance premium, it shall be deemed as his approval of the act of signing or sealing on his behalf.
Legal basis:
The Supreme People's Court's Interpretation on Several Issues Concerning the Application (II) Article 3 If the applicant or the agent of the applicant fails to personally sign or seal it, but the insurer or the agent of the insurer signs or seals it on his behalf, it will have no effect on the applicant. However, if the applicant has paid the insurance premium, it shall be deemed as his approval of the act of signing or sealing on his behalf.
If the insurer or the insurer's agent fills in the insurance documents on his behalf, and it is confirmed by the applicant's signature or seal, the contents filled in on his behalf shall be regarded as the true intention of the applicant. However, unless there is evidence that the insurer or the insurer's agent has the relevant provisions of Articles 116 and 131 of the Insurance Law.