First, the insurance should include death as one of the conditions of insurance liability; Please check the "insurance liability" clause in the contract. Second, if you are the insured and have reached adulthood, the signature of your parents is invalid. (If it is a minor, the signature of parents as legal representatives is valid). Legal basis: 1. Article 34 of the Insurance Law A contract in which death is the condition for payment of insurance benefits is invalid without the consent and approval of the insured. 2. Notice of China Insurance Regulatory Commission on Issues Concerning the Regulation of Personal Insurance Business Behavior (No.2 of China Insurance Regulatory Commission [2000] 133). Signature of the applicant and the insured (2) According to the provisions of the Insurance Law, if the applicant needs the consent of the insured before concluding or changing the insurance contract for the insured, if the applicant designates or changes the beneficiary, it must be confirmed by the insured's autograph, and it cannot be confirmed by others. If the insured is a person without or with limited capacity for civil conduct, it shall be signed by his guardian, and no one else shall sign it. If the applicant and the insured are unable to sign due to physical reasons such as disability, their designated agents shall sign. (3) It is forbidden for the staff and agents of insurance companies to fill in and sign the insurance application form for the applicant and the insured, or induce others to fill in and sign it on their behalf. When selling insurance policies, insurance companies and their agents must explain the requirements in (1) and (2) to the insured and the insured. Any application for insurance or change that does not meet the requirements of items (1) and (2) must be signed by the applicant and the insured, otherwise the insurance company will not accept it. Corresponding suggestions: First, find an insurance agent or insurance company to make a clear position and say that you want to complain or sue. If they still insist on returning only the cash value, then, second, complain to the local CIRC, please search for information such as telephone number and relevant complaint channels. I'm not sure; Third, you can file a lawsuit and hire a professional lawyer. The calculation method 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 only charged according to the specific situation (because the legal consequences of invalidity can naturally be fully refunded); If full surrender is required, the prosecution fee will be charged as a percentage of the insurance premium. (Note, you'd better consult your lawyer) Fourth, this civil case is applicable to the popular saying that "whoever sues will give evidence", but I personally suggest that you don't need to prove your signature first, just clarify in the complaint that the signature is not yours. If defendant a admits that the signature is not your own, that is, you admit that you don't have to provide any evidence; B If the defendant refuses to admit it, he can ask for a professional appraisal. If you sign for it yourself, the expenses will be borne by yourself. If you don't sign it yourself, the appraisal fee will be borne by the defendant. In fact, the defendant will not be stupid enough to "four B", and his general defense reason is nothing more than 1. Your parents know that it is also wrong to sign for you, and the contract cannot be overturned. 2. You have admitted or authorized (this kind of evidence should be provided by the defendant), that is another matter. But in most cases, the judge will be biased towards the weak side, but the case shows that depending on the specific situation, there are both invalid judgments and effective judgments.