Under normal circumstances, the above signatures need to be signed by myself, but before and after the policy comes into effect, the insured can't sign in time, and there will be modern signature, but there will be risks, provided that the agent and the parties discuss the signing problem, otherwise something will happen. After the hesitation period, if you want to surrender (the contract is terminated), the premium will be refunded according to the cash value of the first year. If the premium is above 1000 yuan or the payment period is short, it is recommended that you do not surrender.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.