In accordance with the provisions of the "Insurance Law", the policyholder requires the consent of the insured before the policyholder can enter into or change an insurance contract for the policyholder, and if the policyholder designates or changes the beneficiary, the signature of the insured must be confirmed. It is not allowed to be signed by others. If the insured person has no capacity for civil conduct or has limited capacity for civil conduct, his or her guardian shall sign, and no other person shall sign on his or her behalf. If the policy holder or the insured is unable to sign due to physical reasons such as disability, the signature shall be signed by his or her designated agent.

Sign on behalf of the policy holder. If another person signs an insurance contract on behalf of the policy holder without authorization, it is an unauthorized agency act. Unless the policy holder ratifies it later, the insurance contract should be deemed to have not been established. Since the contract has not been established, it will naturally have no legal effect. However, if the policy holder pays the premium in accordance with the provisions of the insurance contract, according to the provisions of the Contract Law, the policy holder will be deemed to have in fact approved the act of signing on his behalf by paying the premium, and the contract shall be deemed to have been established. If If the insurance contract meets the conditions for taking effect, the insurance contract package is a legal and valid contract.

Sign on behalf of the insured. Regardless of the reason, if a person signs on his behalf without the authorization of the insured, according to Article 34 of the Insurance Law, if it is a death insurance, it shall be deemed invalid. Except for death insurance, according to Article 48 of the Contract Law, this kind of behavior is an agent without authority and should be regarded as an insurance contract whose validity is yet to be determined, that is, the validity of the insurance contract is in an uncertain legal status and whether it is valid or not. It depends on whether the insured ratifies it afterwards. An insurance contract signed on behalf of the insured will be valid if the insured later ratifies it; if the insured does not ratify it later, the contract will be invalid or revoked.

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