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On the effectiveness of signature defects in insurance contracts
1, Zhang's request has legal basis. The insurance contract is invalid because the insured has not signed it;

2. The salesmen of insurance companies have the obligation to supervise the signatures of investors and policyholders, but there is no clear agreement in law, and most of them are supervised by insurance companies in the form of company system.

If it is a customer, you can ask for a full refund of the premium through the first rule+no estoppel; If you are an insurance company or an agent, you can communicate with the customer again and confirm the validity of the contract through the confirmation of the validity of the contract.