Legal analysis: No one is allowed to sign the insurance. Only if the insured has no or limited capacity for civil conduct, his guardian will sign, and no one else will sign. If the applicant and the insured are unable to sign due to physical reasons such as disability, their designated agents shall sign.

Legal Basis: Interpretation on Several Issues Concerning the Application of the Insurance Law of People's Republic of China (PRC) (3) Article 1 If the parties conclude a contract with death as the condition for payment of insurance benefits, according to the provisions of Article 34 of the Insurance Law, "the insured agrees and recognizes the insurance amount" may be in written form, oral form or other forms; It can be concluded at the time of the conclusion of the contract or ratified after the conclusion of the contract.

Under any of the following circumstances, it shall be deemed that the insured agrees to the applicant to conclude an insurance contract for him and recognizes the insurance amount:

(1) The insured knows that others have signed the agreement on his behalf and has not raised any objection;

(2) The insured agrees to the beneficiary designated by the applicant;

(3) There is sufficient evidence to confirm other circumstances in which the insured agrees with the insured.