The purchase or replacement of insurance products must be signed by the insured himself. If someone else writes or signs it, the contract is invalid. However, if something really goes wrong, you need proof. Although the court is mostly for the benefit of the insured, the evidence is the most important, because in addition to your signature, there is also a telephone call back. This will be recorded. Please pay attention.

The guarantor's signature is an internal regulation of insurance companies, and so is the back office signature. It is for some internal management of the company, to prove who is responsible for this piece, and this person will be responsible if there is a mistake. The law first faces the responsibility of the insurance company, and then the insurance company will find the responsibility of the corresponding person. Therefore, their signatures also have legal effect.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.