Under normal circumstances, it is necessary to sign in person to buy insurance, especially for adults with civil capacity, otherwise the contract will be deemed invalid.
However, there are some special circumstances. If the applicant is a person with no capacity for civil conduct or with limited capacity for civil conduct, it may be signed by his guardian, but it shall not be signed by others, and he must be a direct relative or near relative. If the insured is unable to sign by himself due to physical reasons such as disability, he can sign by his designated salesman through legal procedures.
There are three situations about insurance signature:
The applicant and the insured are the same person. Then the insurance application must be signed by the insured, that is to say, the insured has signed it;
The applicant and the insured are two people, and the insurance policy does not contain the liability for death. This situation requires the signature of the insured, but does not require the signature of the insured;
The applicant and the insured are two people, and the insurance policy includes the responsibility of paying for death. In this case, the insurance policy without the written consent and approval of the insured is invalid. The Insurance Law stipulates that a contract with death as the condition for payment of insurance benefits is invalid without written consent and recognition of the insurance amount.