Buying insurance usually does not require a beneficiary signature. When purchasing insurance products offline, the signatures of the policy holder and the insured are generally required, and the ID cards of the insured, the policy holder and the beneficiary, the bank card of the policy holder and other documents are required as required by the insurance company. When purchasing insurance products online, the policy holder only needs to verify his identity online and fill in relevant information. After confirming that the information is correct, he can apply for insurance.

The person designated by the insured or the policy holder in the insurance contract and who is entitled to receive insurance benefits after the death of the insured is generally found in personal insurance contracts. If the policyholder or the insured does not designate a beneficiary, his legal heirs shall be the beneficiaries. The insurance money received by the beneficiary after the death of the insured shall not be used as the estate of the deceased to pay off the debts of the deceased during his lifetime, and others other than the beneficiary have no right to share the insurance money. In an insurance contract, the beneficiary only enjoys rights and does not bear the obligation to pay insurance premiums. The beneficiary's beneficial rights are subject to the condition that the beneficiary is still alive when the insured dies. If the beneficiary dies before the insured, the beneficial rights shall return to the insured, or a new one shall be designated by the policy holder or the insured. beneficiary, and the beneficial rights cannot be inherited by the beneficiary's heirs.

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