The application form must be signed by the applicant himself, but if the applicant is a person with no capacity for civil conduct or a person with limited capacity for civil conduct, it may be signed by his guardian, but not by others. If the insured is unable to sign by himself due to physical reasons such as disability, he can sign by his designated salesman through legal procedures.
The Insurance Law stipulates that a contract with death as the condition for payment of insurance benefits is invalid without the written consent and approval of the insured. An insurance policy concluded in accordance with a contract with death as the condition for payment of insurance benefits may not be transferred or pledged without the written consent of the insured. However, the life insurance purchased by parents for their minor children is not restricted by this provision. It is worth mentioning that the insured's written consent to become the insured and the amount of insurance are not the same as signing the insurance policy. The signature of the applicant on the insurance policy is not only responsible for the authenticity of the insurance policy, but also has the obligation to pay the insurance premium.
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