According to Article 33 of the Regulations on the Administration of Insurance Marketers, "an insurance marketer shall submit important documents such as insurance documents to the applicant or the insured for signature and confirmation."

So the insurance policy should be signed by the customer.

According to Article 36 of the Regulations on the Administration of Insurance Marketers, insurance marketers shall not engage in the following activities:

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(14) signing insurance documents and related important documents instead of or instructing others to sign insurance documents instead of the applicant and the insured without the consent of the applicant and the insured;

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So if the client agrees, you'll be fine. The problem is that now you have proof that the client has agreed to sign it for you?

The average client will not sue for such a trivial matter, because the litigation cost is very high, and no one wants to bother and waste money (unless he is a lawyer himself). But customers can complain to your insurance company, insurance industry association and so on. At present, the China Insurance Regulatory Commission (CIRC) is implementing the management system of insurance salesmen throughout the country, and there will be credit records of salesmen and so on. Once the complaint is recorded, all insurance companies will see it.

It is suggested to communicate with customers as much as possible and try not to leave bad records, which will affect future development.