The insured agrees and recognizes that the insurance amount can be in written form, oral form or other forms, and agrees that there is a situation where the insured knows that others will sign the agreement on his behalf but has not raised any objection, and the insured agrees with the beneficiary designated by the applicant, it is deemed that the insured agrees with the applicant to conclude an insurance contract for him and recognizes the insurance amount.

If the insured claims to disagree or refuse to ratify, the insurance company needs to prove that the insured has agreed or ratified; If the insurance company cannot provide valid evidence to prove that the insured verbally agrees or recognizes or the insured agrees with the beneficiary designated by the applicant, the insurance contract will be deemed invalid.