According to the insurance law, an insurance contract is invalid without the signatures of the applicant and the insured. If the insurance company refuses to return it (very likely), it is necessary to file a lawsuit or make a telephone complaint to the Provincial Insurance Regulatory Bureau.

2. Because the life insurance contract involves death compensation, in order to protect the life safety of the insured and prevent moral hazard, it must be signed by the insured himself, not on his behalf.

Unless you are a minor and have no capacity for civil conduct, you can sign on your behalf.

3. The understanding of a concept is wrong. The insurer refers to the insurance company, and the payer is the insured.