This situation is not allowed. If the applicant or the agent of the applicant does not personally sign or seal it, but the insurer or the agent of the insurer signs or seals it on his behalf, it will have no effect on the applicant. However, if the applicant has paid the insurance premium, it shall be deemed as his approval of the act of signing or sealing on his behalf.

If the insurer or the insurer's agent fills in the insurance documents on his behalf, and it is confirmed by the applicant's signature or seal, the contents filled in on his behalf shall be regarded as the true intention of the applicant. However, unless there is evidence that the insurer or the insurer's agent has the relevant provisions of Articles 116 and 131 of the Insurance Law. .

People's Republic of China (PRC) insurance law

Article 117 An insurance agent is an institution or individual that accepts the commission from the insurer and handles insurance business on its behalf within the scope authorized by the insurer. Insurance agencies include professional insurance agencies specializing in insurance agency business and part-time insurance agencies engaged in insurance agency business.

Article 118 An insurance broker is an institution that provides intermediary services for the applicant to conclude an insurance contract with the insurer based on the interests of the applicant, and collects commissions according to law.

Article 119 An insurance agency and an insurance broker shall have all the documents stipulated by the the State Council Insurance Regulatory Authority, and obtain the insurance agency business license and insurance brokerage business license issued by the insurance regulatory authority.