The name of the insured or his legal guardian shall be analyzed in detail. Parents who insure their minor children do not need the signature of the insured; If it is an adult, sign the name of the insured. The insured must meet two conditions: his property or person is guaranteed by an insurance contract; Have the right to claim compensation.

In order to protect the interests of the insured, the insurance law clearly stipulates that when the applicant is not the insured, the applicant must obtain the consent of the insured if he designates or changes the beneficiary. In an insurance contract with death as the condition for payment of insurance benefits, the applicant must obtain the consent of the insured in terms of insurance types and insurance amount, and the transfer and pledge of the insurance contract must also obtain the consent of the insured, otherwise the insurance contract will be invalid, and the transfer and pledge of the contract will also be invalid. However, parents who insure their minor children are not subject to this restriction, but the total amount of death insurance benefits shall not exceed the limit set by the financial supervision department.

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