The compliance requirements of the CIRC for autograph are: minors must be signed and confirmed by guardians, and adults must sign and confirm themselves before the policy can take effect. However, in practice, under the guidance of salesmen, many policyholders can't fully implement this compliance requirement, whether actively or passively. However, at present, the insurance company cannot verify the authenticity of the signature after receiving the insurance application from the customer. Therefore, the general procedure is that once the signature is confirmed (with or without autograph), it can be transferred to the bank deduction stage and the insurance premium can be directly transferred to the insurance company, which will take effect. At present, under the guidance of the China Insurance Regulatory Commission, insurance companies have basically established a policy return visit system to ask whether they are autographed, but in practice, there will still be more or less artificial non-compliance, which will cause unnecessary disputes to some extent. If the policy really takes effect without my signature, you can go to the counter of the insurance company and change it by changing it.