The insurance is invalid until I sign it. Generally speaking, for a person without civil capacity, it can take effect if his guardian signs it on his behalf. If the insured has paid the insurance premium, it shall be regarded as his recognition of the act of signing or sealing on his behalf.

According to the Supreme People's Court's application

If the insurer or the insurer's agent fills in the insurance documents on his behalf, and it is confirmed by the applicant's signature or seal, the contents filled in on his behalf shall be regarded as the true intention of the applicant. However, unless there is evidence that the insurer or the insurer's agent has the relevant provisions of Articles 116 and 131 of the Insurance Law.

Extended data:

"the Supreme People's Court on the application of

If the insurer claims that it does not meet the underwriting conditions, it shall bear the burden of proof.

Article 5? When concluding an insurance contract, what the insured knows about the subject matter of insurance or the insured belongs to the content that the insured should "tell the truth" as stipulated in the first paragraph of Article 16 of the Insurance Law.

Baidu Encyclopedia —— the Supreme People's Court's explanation on the application of People's Republic of China (PRC) Insurance Law.