Anywhere the insured's consent is required before the policy holder can enter into or change an insurance contract for the insured, and where the policy holder designates or changes the beneficiary, it must be confirmed with the insured's signature, and no other person is allowed to do so on his or her behalf. sign.

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. Extended information

Article 45 of the "Insurance Law of the People's Republic of China" stipulates: "If the insured is disabled or dies because he intentionally commits a crime or resists criminal compulsory measures taken in accordance with the law, the insurance shall The person is not responsible for paying insurance premiums. The insurer shall return the cash value of the insurance policy as stipulated in the contract." Article 15 of the "Criminal Procedure Law of the People's Republic of China" stipulates: "Yes. In any of the following circumstances, criminal liability will not be pursued. If the case has been investigated, the case should be dismissed, or no prosecution should be initiated, or the trial should be terminated, or the case should be acquitted: (1) The circumstances are obviously minor and the harm is not great, and it is not considered a crime.

Baidu Encyclopedia-Insured