First, the insurance should include death as one of the conditions for assuming insurance liability; (please check the "insurance liability" clause in the contract). Second, if you are the insured and have reached adulthood, your parents’ signature is invalid. (If you are a minor, your parents will serve as legal representatives, and their signatures will be valid). Legal basis: 1. Article 34 of the "Insurance Law" A contract that requires death as a condition for payment of insurance benefits shall be invalid without the consent of the insured and recognition of the insurance amount. 2. Notice of the China Insurance Regulatory Commission on Issues Related to Regulating Personal Insurance Business Conduct (Baojianfa [2000] No. 133) 2. Regarding the signatures of the policy holder and the insured (2) In accordance with the provisions of the Insurance Law, all persons who need to be insured If the policy holder can enter into or change an insurance contract for the policy holder only after the policy holder agrees, and if the policy holder designates or changes the beneficiary, it must be confirmed with the signature of the insured, and no other person is allowed to sign on his or her behalf. If the insured is a person without capacity for civil conduct or a person with limited capacity for civil conduct, his or her guardian shall sign, and no other person shall sign on his or her behalf. If the policy holder or the insured is unable to sign due to physical reasons such as disability, the signature shall be signed by his or her designated agent. (3) It is strictly prohibited for insurance company staff and agents to fill in and sign the insurance application form for the policy holder or the insured, or to induce others to fill in and sign on their behalf. Insurance companies and their agents must explain the requirements (1) and (2) to the policy holder and the insured when selling policies. Any application for insurance or change that does not meet the requirements (1) or (2) must be approved by the policy holder. , The insured must provide a supplementary signature, otherwise the insurance company will not accept it. Corresponding suggestions: 1. First find an insurance agent or insurance company, explain your position, and say that you will complain or sue. If they still insist on refunding only the cash value, then 2. Complain to the local Insurance Regulatory Commission, phone number and related complaint channels Please search for other information yourself, I am not very clear; third, you can file a lawsuit and hire a professional lawyer. The calculation of the prosecution fee charged by the court may be as follows: A requests to confirm that the contract is invalid, and the prosecution fee is low and only charged on a per-case basis (because the legal consequences of invalidity can naturally be fully refunded); if B requests a full refund of the insurance, the prosecution fee Charged as a percentage of the insurance premium. (Note, it is best to consult your lawyer) 4. This civil case applies to the popular saying of "whoever sues has to provide evidence", but I personally suggest that you don't rush to prove the signature issue first. You only use it in the complaint. Clarify that the signature is not yours. If defendant A admits that the signature is not yours, that is, he admits it, then you do not need to provide any evidence. If defendant B does not admit it, you can ask for a professional appraisal. If it is your signature, you will be responsible for it. If it is not signed by him, the defendant will bear the appraisal fee. 5. In fact, the defendant will not be so stupid as to be in the "four B" situation. Its general defense reasons are nothing more than 1. Your parents knew that they were at fault for signing on behalf of them, so they cannot overturn the invalidity of the contract. ;2. If you have admitted or authorized it (such evidence should be provided by the defendant), it is another matter. But in most cases, the judge will favor the weaker party, but cases show that it depends on the specific circumstances, and there are cases where the verdict is invalid and valid.

Extended reading: How to buy insurance, which one is better, and step-by-step instructions to avoid these "pitfalls" of insurance