Legal analysis: the insured needs to sign by himself, otherwise the contract is invalid. According to the relevant laws and regulations, the establishment of an insurance contract does not depend on the issuance of an insurance policy. As long as the insured and the insurer reach an agreement on the terms of the contract, the insurance contract is established. Even if no insurance policy is issued, the insurer shall be liable for compensation. Unless the parties to an insurance contract agree in the contract that the insurance policy is the effective condition of the contract. The insurance policy must clearly and completely record the rights and obligations of both parties. The insurance policy mainly states the names of the insurer and the insured, the subject matter insured, the insured amount, the insurance premium, the insurance period, the scope of liability for compensation or payment and other specified matters. According to the applicant's application, the insurance policy is signed by the insurer and handed over to the insured. Insurance policy is the main evidence for the insured to claim compensation from the insurer when he suffers losses due to an accident, and it is also the basis for the insurer to collect insurance premiums.

Legal basis: Article 34 of People's Republic of China (PRC) Insurance Law states that a contract with death as the condition for payment of insurance benefits is invalid without the consent and approval of the insured. Without the written consent of the insured, a contract with death as the condition for payment of insurance benefits may not be transferred or pledged. The personal insurance that parents take out for their minor children is not subject to the restrictions stipulated in the first paragraph of this article.