Sign on behalf of the insured. It is an unauthorized agency act for others to sign and conclude insurance contracts on behalf of the insured. Unless it is ratified by the insurer afterwards, it shall be deemed that the insurance contract is not established. Since the contract is not established, it naturally has no legal effect. However, if the applicant pays the insurance premium according to the agreement in the insurance contract, according to the provisions of the contract law, it shall be deemed that the applicant actually approved the act of signing on behalf of the applicant, and the contract shall be deemed to be established. If the insurance contract meets the effective conditions, the insurance contract package is legal and valid.
Sign on behalf of the insured. Whatever the reason, the signature of the insured without authorization shall be deemed invalid according to the provisions of Article 34 of the Insurance Law. Except for death insurance, according to Article 48 of the Contract Law, this kind of behavior belongs to unauthorized agency and should be considered as an insurance contract with undetermined validity, that is, the validity of the insurance contract is in an uncertain legal state, and whether it is valid depends on whether the insured ratifies it afterwards. An insurance contract signed on behalf of the insured shall be valid if the insured approves it afterwards; If the insured does not ratify it afterwards, the contract will be invalid or cancelled.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.