Legal analysis: First, if it is a property insurance contract, it is valid as long as the applicant signs it. The applicant is the person who points out the money to buy insurance, while the insured refers to the object of insurance protection and the person who is entitled to compensation. Of course, both can be the same person.

Two, if it is life insurance, the insured and the applicant is one of the following relationships, as long as the applicant is my signature, the insured is not my signature is also valid:

(1) me;

(2) Spouse, children and parents;

(3) Other family members and close relatives who have maintenance or support relations with the applicant other than those specified in the preceding paragraph;

(4) Workers who have labor relations with the insured.

However, if the death of the insured is the compensation condition, it must be signed by the insured (unless the parents insure the minor children).

If the insured does not belong to these four categories, it will be invalid if he does not sign.

Legal basis: People's Republic of China (PRC) Insurance Law.

Article 18 An insurance contract shall include the following items: (1) The name and domicile of the insurer; (2) Names and domiciles of the applicant and the insured, and names and domiciles of beneficiaries of life insurance. (3) the subject matter insured. (4) Insurance liability and exemption from liability; (5) The insurance period and the start time of insurance liability; (6) the insured amount; (7) Insurance premium and payment method; (8) Measures for compensation or payment of insurance benefits; (9) Liability for breach of contract and dispute settlement methods; (10) The year, month and day when the contract was concluded. The applicant and the insurer may agree on other insurance-related matters. Beneficiary refers to the person who is designated by the insured or the applicant to have the right to claim insurance money in the life insurance contract. The applicant and the insured can be beneficiaries. The insured amount refers to the maximum amount of the insurer's liability for compensation or payment of insurance benefits.

Article 31 An applicant has an insurable interest in the following persons: (1) himself; (2) Spouse, children and parents; (3) Other family members and close relatives who have maintenance or support relations with the applicant other than those specified in the preceding paragraph; (4) Workers who have labor relations with the insured. Except as provided in the preceding paragraph, if the insured agrees that the applicant will conclude a contract for him, it shall be deemed that the applicant has an insurable interest in the insured. When concluding a contract, if the applicant has no insurable interest in the insured, the contract is invalid.