According to your explanation, I understand what you want to express is that B pays and signs for A, and A buys insurance for the insured. A doesn't know and doesn't sign ... What's your complaint? Of course not! ! !
If I want to be extreme, I will insure a beggar with mental disorder, and the beneficiary will write about me, and then kick him into the river on a dark night, as long as he is not found. ......
This is stipulated in the Insurance Law, and one of its purposes is to prevent moral hazard. How to judge is clear.