The insurance law stipulates that the insured must obtain the consent and recognition of the insured for insurance with death as the payment condition. When there are no special circumstances, the consent here is the signature.

In fact, it is to protect the insured.

If the insured has bad ideas, the insured dies, but it becomes a means for the insured to make profits. This has been on guard since the beginning of insurance.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.