Yes Unless the insured is a minor, the insured can sign it on his behalf, otherwise the contract signed on his behalf is invalid and he can ask for full surrender at any time.

How to query whether it is effective:

First, online inquiry:

1. Login to PICC official website Address:/,

2. In the quick service column, select "Policy and Claim Inquiry";

3. Enter the account number (user name/verified email address/verified mobile phone number) and password;

4. Click Login to query.

2. Counter inquiry: bring your ID number or policy number to the insurance company's business outlets for inquiry;

Third, directly inquire about the policy service personnel: users can call the insurance agent directly and let the agent tell you the actual situation of the current policy;

Telephone inquiry: directly calling the customer service center can solve the related problems of a package of insurance products, including how to inquire about the insurance policy.