1. According to the enquiry of China Travel Service. According to the judicial interpretation revised in 2020, the insured or the insured's agent did not sign or seal the insurance contract in person, but someone else signed it, so the contract was invalid. Therefore, after the insurance customer signs the surrender letter, the insurance company can refuse to accept it according to law.

2. However, if the customer has paid the annual insurance premium in full and on time according to the insurance contract for a long time after signing on his behalf, and knows this behavior, then the court may think that the customer has accepted the insurance contract. At this time, the customer thinks that the policy is invalid on the grounds that "the salesman didn't explain the insurance responsibility clearly at the time of sales, exaggerated the income and the application form was not signed by himself", and requires the insurance company to refund the paid premium in full, which will face certain legal risks.