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The signature of the insured on the life insurance contract is not his own signature. Can the insurance company refuse to pay compensation after the insured has an accident?
wrong

It's been three years since the policy came into effect, only to find out that it was signed on your behalf?

These things should have been discovered during underwriting at that time.

As the insurance company underwrote the policy, it recognized the insurance contract.

So at this time, the insurance company should compensate for the accidental death insurance.