First of all, buying insurance, paying dividends and raising interest rates are one purpose, but the biggest purpose is to protect the content. If the guarantee content is really good, I don't think you will suffer. At least you can enjoy decades of protection with bank interest.

Secondly, it is absolutely illegal and unreasonable to sign on behalf of the insured, especially if the insured is an adult. If you can be sure that the signature is on behalf of the insured, I suggest that you directly surrender the insurance in full. There is no need to sue, just go to the local life insurance company and find the immediate manager of your insurance agent.