When an old friend learned that he had bought an insurance policy for his son, he reminded him that the insurance policy had to be signed by the insured himself to take effect. If it was not signed by his son, it would be an invalid policy. But the telephone consultant of the insurance company told him not to worry-not all insurance applications need the signature of the insured. Zhang Laobo is a little confused. Who is right? The answer to the previous question is very clear. The insurance application must be signed by the applicant himself. However, if the applicant is a person with no or limited capacity for civil conduct, the insurance application can 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 latter question is a little more complicated, which can be analyzed according to the following three situations: First, the applicant and the insured are the same person. This is no problem, the insurance policy must be signed by the insured, which means that the insured has signed it; Second, the insured and the insured are two people, and the policy does not contain death liability. In this case, it is only necessary to have the signature of the insured, without the signature of the insured himself. Third, the insured and the insured are two people, and the policy contains the responsibility of death payment. In this case, the insurance policy without the written consent of the insured and the recognized insurance amount is invalid. 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 issued 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 that parents take out for their minor children is not restricted by this provision. It is worth mentioning that the insured's written consent to be the insured and to recognize the insured amount is not the same concept as signing the insurance policy. The applicant's signature on the application form is not only responsible for the authenticity of the application form, but also has the obligation to pay the insurance premium. Understand the above principle, Zhang Laobo's situation, as long as it is clear whether his insurance policy has the responsibility to pay for death, if so, his eldest son (the insured) must sign the insurance policy in person, if not, there is no need to sign it.

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