1. If the applicant does not sign, whether the contract is valid can be divided into three situations.

1. The insurance contract can take effect without the signature of the insured. However, this situation requires the insurance purchased by the insured. According to the relevant laws and regulations of our country, the insurance contract with death as the condition must be signed by the insured, while other insurance contracts with disability and illness as the condition can be signed by the insured.

2. In the second case, the insurance purchased must be signed by the insured. When the insured buys insurance, the insurance company has the responsibility to ask the insured to sign. If the insurance company fails to fulfill the relevant responsibilities, then the insurance company should also bear some responsibilities.

The third situation is that the insured is a minor. If the insured is a minor, only his parents or other legal guardians can buy insurance for him. Then the signature of the minor, that is, the signature of the insured, can be signed by his legal guardian.

Legal Basis: Article 2 of the Insurance Law of People's Republic of China (PRC) The term "insurance" as mentioned in this Law refers to the commercial insurance behavior in which the applicant pays the insurance premium to the insurer according to the contract, and the insurer shall be liable for the property losses caused by the possible accidents agreed in the contract when the insured dies, is disabled, is sick or reaches the age and time limit agreed in the contract.