Legal Analysis: Applicants should write their parents' names. The applicant is the payer of the policy fee and needs to have certain economic strength. There are usually insurance companies that require applicants to be 18 years old or older. According to the relevant laws and regulations, after the insurance contract is established, the insured shall pay the insurance premium as agreed. An insurance contract shall specify the names and residences of the applicant and the insured, as well as the names and residences of the beneficiaries of personal insurance.

Legal basis: People's Republic of China (PRC) Insurance Law.

Article 14 After an insurance contract is concluded, the applicant pays the insurance premium as agreed, and the insurer begins to assume the insurance liability at the agreed time.

Article 18 An insurance contract shall include the following items: (1) The name and domicile of the insurer; (2) Names and domiciles of the applicant and the insured, and names and domiciles of beneficiaries of life insurance. (3) the subject matter insured. (4) Insurance liability and exemption from liability; (5) The insurance period and the start time of insurance liability; (6) the insured amount; (7) Insurance premium and payment method; (8) Measures for compensation or payment of insurance benefits; (9) Liability for breach of contract and dispute settlement methods; (10) The year, month and day when the contract was concluded. The applicant and the insurer may agree on other insurance-related matters. Beneficiary refers to the person who is designated by the insured or the applicant to have the right to claim insurance money in the life insurance contract. The applicant and the insured can be beneficiaries. The insured amount refers to the maximum amount of the insurer's liability for compensation or payment of insurance benefits.