In the legal relationship of insurance, there are insurers, policyholders, insurance agents, insurance brokers, insureds, beneficiaries and other subjects. Only when we understand the concepts of each subject can we understand that when buying insurance, we Who signs the insurance contract.

An insurance agent refers to a person who, according to the authorization of an insurance company, operates insurance business on its behalf and collects agency fees. An insurance broker is an institution that provides intermediary services for insurance policyholders and insurance companies to conclude insurance contracts based on the interests of policyholders, and collects commissions in accordance with the law. Insurance agents and insurance brokers are both insurance intermediaries and are not parties to the insurance contract.

According to the provisions of the Insurance Law, an insurance contract is an agreement between the policy holder and the insurer stipulating the insurance rights and obligations. Therefore, when buying insurance, the policy holder and the insurance company must sign a contract.

Legal basis: Article 490 of the "People's Republic of China and Civil Code" Where the parties conclude a contract in the form of a contract, the contract is established when both parties sign, seal or fingerprint. Before signing, sealing or fingerprinting, one party has performed its main obligations and the contract is established when the other party accepts it.

Laws and administrative regulations or the parties agree that a contract should be concluded in writing. If the parties do not use writing but one party has performed its main obligations and the other party accepts it, the contract is established.