The contract is invalid and the policy should be refunded in full.

Please contact the company for negotiation. If not, you can contact the Consumers Association, local insurance industry association, China Insurance Regulatory Commission, or court.

Insurance Law

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Article 56 A contract that requires death as a condition for payment of insurance benefits shall be invalid without the written consent of the insured and recognition of the insurance amount. ?

Insurance policies issued in accordance with a contract that requires death as a condition for payment of insurance benefits may not be transferred or pledged without the written consent of the insured.

Life insurance purchased by parents for their minor children is not subject to the provisions of paragraph 1.

Insurance Salesperson Management Regulations

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Article 36 Insurance salespersons engaged in insurance marketing activities shall not have the following Behavior:

(14) Substituting or instigating others to sign insurance documents and related important documents on behalf of the policy holder or the insured without the consent of the policy holder or the insured;

For details, please contact the insurance company:

China Life Insurance: 95519

Ping An Life Insurance: 95511

Pacific Insurance Company: 95500

Taikang Life Insurance: 95522

Xinhua Life Insurance: 95567

People's Insurance Company: 95518

Wish you good luck!

If it is convenient, I hope you can share the results of this process with me to increase your knowledge. Thanks.

My email: guozili0717@163.com