1. If a minor is signed by a legal guardian, the insurance contract shall be protected by law.

2. Insurance contracts signed by adults by others are not protected by law.

A commercial insurance contract must be signed by the insured or the guardian or agent entrusted by the insured before it can take effect, otherwise the insurance contract is not legally binding.

Extended data:

I. Effective signing

That means that the insurance contract is legally binding on both parties, and the parties must strictly perform the insurance contract, otherwise they will be liable for breach of contract except for legal exceptions.

Therefore, the effective conclusion of an insurance contract actually includes two aspects: first, the terms of the insurance contract have been agreed by both parties, that is, the insurance contract has been established; Second, the insurance contract is legally binding on both parties, that is, the insurance contract takes effect.

However, in the theory and practice of China's insurance law, there are many disputes about the establishment and entry into force of insurance contracts. On the one hand, the connotation of the establishment and entry into force of the contract needs to be clear. On the other hand, the elements involved in the establishment of the two contracts are closely related to practical issues such as insurance premium payment and insurance policy issuance.

Especially in insurance practice, it is often difficult to unify the standards because of technical problems in legislation, which leads to many compensation disputes. In view of this, this paper will briefly discuss the effective conclusion of insurance contracts.

Second, the parties to the contract

1. An insurer, also known as an insurer, refers to an insurance company that engages in insurance business, concludes an insurance contract with the applicant, collects premiums, organizes insurance funds, and compensates the insured for losses or pays insurance money after an insurance accident occurs or the insurance contract expires. The insurance company has the following characteristics:

(1) Insurers only refer to insurance companies engaged in insurance business, and their qualifications can only be obtained according to the strict provisions of the law.

(2) The insurer has the right to collect insurance premiums.

(3) The insurer has the obligation to bear the insurance liability or pay the insurance money.

2. The applicant, also known as the "insured", refers to the person who has entered into an insurance contract with the insurer and has the obligation to pay the insurance premium according to the contract. In a life insurance contract, the applicant must have an insurable interest in the insured; In a property insurance contract, the applicant must have an insurable interest in the subject matter insured. Applicants must meet the following two conditions:

(1) has capacity for civil rights and capacity for civil conduct.

(2) Undertake the obligation to pay insurance premiums.

Baidu Encyclopedia-Insurance Contract