An old friend learned that he bought a policy for his son and reminded him that the policy must be signed by the applicant himself before it can take effect. If it is not signed by his son, it is an invalid policy. But the telephone consultant of the insurance company told him not to worry-not all insurance applications need the signature of the insured. Zhang Laobo is a little confused. Who is right? The answer to the previous question is already clear. The insurance application must be signed by the applicant himself. However, if the applicant is a person without civil capacity or with limited civil capacity, the insurance application can be signed by his guardian, but not by others. 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. The latter question is a little more complicated and can be analyzed according to the following three situations: First, the applicant and the insured are the same person. This is no problem, the insurance policy must be signed by the insured, that is to say, the insured has signed it; Second, the insured and the insured are two people, and the insurance policy does not contain the liability for death. In this case, only the signature of the insured is required, not the signature of the insured himself. Third, the insured 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 the written consent and approval of the insured. An insurance policy concluded in accordance with a contract with death as the condition for payment of insurance benefits may not be transferred or pledged without the written consent of the insured. However, the life insurance purchased by parents for their minor children is not restricted by this provision. It is worth mentioning that the insured's written consent to become the insured and the amount of insurance are not the same as signing the insurance policy. The signature of the applicant on the insurance policy is not only responsible for the authenticity of the insurance policy, but also has the obligation to pay the insurance premium. Understand the above principle, Zhang Laobo's situation, as long as it is clear whether his insurance policy has the responsibility to pay for death, if so, his eldest son (the insured) must sign the insurance policy in person, if not, there is no need to sign it.

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