According to the law of our country, the insurer or the agent of the insured does not personally sign or seal the insurance contract, but the insurer or the agent of the insurer signs or seals it on his behalf, which has no effect on the insured. However, if the applicant has paid the insurance premium, it shall be deemed as his approval of the act of signing or sealing on his behalf.
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.
legal ground
The Supreme People's Court's Interpretation on Several Issues Concerning the Application of the Insurance Law of People's Republic of China (PRC) (II) Article 3 If the applicant or his agent fails to sign or seal it in person, but the insurer or his agent signs or seals it on his behalf, it will have no effect on the applicant. However, if the applicant has paid the insurance premium, it shall be deemed as his approval of the act of signing or sealing on his behalf.
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.