Legal analysis: the policy does not have to be signed by the insured, but the insured involved in the insurance must be informed. A contract with death as the condition for payment of insurance benefits must be signed by the insured. If the insured is incompetent, it may be signed by his guardian.

Legal basis: Article 31 of the Insurance Law of People's Republic of China (PRC), the applicant has an insurable interest in the following persons: (1) himself; (2) Spouse, children and parents; (3) Other family members and close relatives who have maintenance or support relations with the applicant other than those specified in the preceding paragraph; (4) Workers who have labor relations with the insured. Except as provided in the preceding paragraph, if the insured agrees that the applicant will conclude a contract for him, it shall be deemed that the applicant has an insurable interest in the insured.