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Can't the applicant surrender the insurance if he signs it himself?
Legal analysis: no, you need to provide the original ID card and the original contract to find someone to represent you. If the agent acts as an agent, you should sign the power of attorney in person.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 161 A civil subject may carry out a civil juristic act through an agent. In accordance with the provisions of the law, the agreement of the parties or the nature of civil legal acts, civil legal acts that should be implemented by themselves shall not be represented.

Article 162 A civil juristic act carried out by an agent in the name of the principal within the scope of his agency authority is effective for the principal.

Article 163 Agency includes entrusted agency and legal agency. An entrusted agent shall exercise the power of agency as entrusted by the principal. A legal agent shall exercise his power of agency in accordance with the provisions of the law.