Legal basis: Interpretation of the Supreme People's Court on Several Issues Concerning the Application of the Insurance Law of People's Republic of China (PRC) Article 3 If the applicant or the agent of the insured does not personally sign or seal the insurance contract, but the insurer or the agent of the insurer signs or seals it on his behalf, it will not be effective for the applicant. However, if the applicant has paid the insurance premium, it shall be deemed as his approval of the act of signing or sealing on his behalf.