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Will the insured sign the insurance contract on behalf of the insured for more than two years, and will he settle the claim in case of an accident?
The insurance contract is invalid. Without the written consent and approval of the insured, a life insurance contract with death as the condition for paying insurance benefits. This is an insurance contract with illegal contents.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.