According to the Notice of China Insurance Regulatory Commission 133 on Issues Related to Regulating Personal Insurance Business Behavior, if the applicant needs the consent of the insured before concluding or changing the insurance contract, if the insured designates or changes the beneficiary, it must be confirmed by the insured's autograph, and no one else can sign it. If the insured has no or limited capacity for civil conduct, it shall be signed by his guardian, and shall not be signed by others. If the applicant and the insured are unable to sign due to physical reasons such as disability, their designated agents shall sign.
According to the provisions of the insurance law, there are mainly the following situations that require the consent of the insured.
1. To buy death insurance for others, the insured must agree and recognize the insurance premium in writing. According to the insurance contract, after the insurance accident, the insurance company will calculate the amount of compensation after examination according to the loss degree of the subject matter and the insurance liability. Well, parents who insure their minor children are not subject to this restriction;
2. The transfer or pledge of death insurance policy shall be subject to the written consent of the insured;
3. The designation or change of beneficiary by the insured shall be subject to the consent of the insured;
4. To insure a third party with illegal marriage, consanguineous relationship, maintenance relationship, maintenance relationship and maintenance relationship, the consent of the insured shall be obtained.