First of all, it is unreasonable for an insurance company to claim that the insured fails to fulfill the obligation of telling the truth without compensation. According to the provisions of the insurance law, the obligation of the insured to inform is based on the inquiry of the insurance company. At the beginning, it was arranged by the salesman, and even the salesman was responsible for filling out the form. As the agent of the insurance company, the salesman did not make a written inquiry, so the insured naturally had no obligation to inform.

Secondly, although your mother didn't sign it, the insurance contract is still valid, and the insurance company can't claim that the contract is invalid and return the premium. According to the insurance law, the insurance contract is declarative, and autograph is not an inevitable condition for the establishment of the insurance contract. Your mother has paid the renewal premium for the second year, which also shows that your mother and the insurance company recognize the contract and the contract reached by both parties is valid according to law.

Insurance companies insist that it is irresponsible for customers to hide the facts without checking their own problems. A lawsuit should be filed. As long as we grasp the main points of insurance litigation, there is no problem in winning the case.

I hope I can help you.