The insurance contract was not signed by the person, but it has been 6 years, can I cancel the contr

Strictly speaking... You don't have a chance to win because you're not on the right foot, and if you're going to sue your cousin, you have a chance, but if you're going to use your cousin as a witness to recover the insurance money, sorry... First of all, if the defendant is a cousin, then he can't get the power of attorney signed by you, and you have already won the case, so there is a problem with your object, your cousin is an intermediary, but you know about the fact that your cousin signed for you, although there is no written document, but it is a fait accompli, a fait accompli recognized by law, so it means that you approve that your cousin signs for you, in other words, you agree to the relevant terms of the current insurance, and there is no question of concealing or not concealing it, because even if it is concealed, it is your cousin who conceals it from you It's not that the insurance company is hiding it from you, and there is a third-party problem in this, so whether it's your evidence, your witness testimony, or even your rights protection, it's meaningless, because the insurance company is not hiding the facts, and the relevant contract terms are signed by your cousin for you, in principle, in the first year, you can refute it, and in the second year, you have a chance, but after 6 years, you don't have a chance at all.

It's been six years, which means that you have acquiesced, and you can only get a little premium refunded if you terminate the contract.

You don't have a chance to win. Because you have been paying for six years, even if you do not sign it, after six years of payment, it is equivalent to recognition. There is a hesitation period when you buy insurance, and during the hesitation period, you are your own negligence if you do not read the terms of the insurance carefully, and you can only be responsible for the losses caused by your own negligence.

It should be possible to terminate it, it has been six years, and the insurance company will refund the principal to you at most, and it is not appropriate to terminate the contract.

The policyholder may request to terminate this contract after the contract is concluded. The following documents need to be prepared for surrender of life insurance:

Application for termination of contract;

insurance contracts; Proof of the policyholder's legal identity.

There are two types of surrender:

Cooling-off period surrender:

Cooling-off period surrender refers to the surrender of the policy by the policyholder within the cooling-off period agreed in the contract. Generally, insurance companies stipulate that the policyholder has a cooling-off period of 10 days after receiving the policy. Usually, the insurance company will refund the entire premium after deducting the cost of production.

Normal Surrender: Surrender beyond the cooling-off period is considered as normal surrender. Policies that have received insurance benefits are not eligible for surrender. Normal surrender generally requires that after a certain number of years of the policy, the policyholder can apply for termination, and the life insurance company should refund the cash value of the policy within 30 days from the date of receipt of the application.

The cash value of a policy is the amount of money that can be returned in the event of termination or surrender of the life insurance contract.

Note: In the insurance contract, the insurance company usually needs to deposit a certain amount of liability reserve in order to fulfill the contractual responsibility, and when the insured requests to terminate or surrender the policy for any reason within the validity period of the insurance, the insurance company will return the balance of the liability reserve minus the deduction of termination to the insured according to the regulations, and this part of the amount is the cash value of the policy.

In view of the circumstances you have mentioned, first, the insurance should include death as one of the conditions for assuming insurance liability; (Please check the "insurance liability" clause in the contract).

Second, if you are an insured person and are an adult, your parent's signature is invalid. (If it is a minor, the parents are the legal ** person, and their signature is valid).

Legal basis:1Article 34 of the Insurance Law of the People's Republic of China shall be invalid if a contract with death as a condition for the payment of insurance benefits shall be invalid without the consent of the insured and the approval of the insured amount.

2.Notice of the China Insurance Regulatory Commission on Issues Concerning the Regulation of Life Insurance Business Practices (Bao Jian Fa [2000] No. 133).

2. Signatures of the policyholder and the insured.

2) According to the provisions of the Insurance Law, where the consent of the insured is required before the policyholder can conclude or change the insurance contract for him, and the policyholder designates or changes the beneficiary, it must be confirmed by the insured's own signature, and no other person shall sign on behalf of the insured. If the insured is a person with no or limited capacity for civil conduct, the signature of the insured shall be signed by his guardian, and no other person shall sign on his behalf.

If the policyholder or the insured is unable to sign due to physical reasons such as disability, the person designated by the insured shall sign.

3) It is strictly forbidden for the staff of the insurance company and the first person to fill in the application form and sign for the policyholder and the insured, or induce others to fill in and sign on behalf of the policyholder. When selling insurance policies, the insurance company and its first person must explain the requirements of (1) and (2) to the policyholder and the insured, and any application for insurance or change that does not meet the requirements of (1) and (2) must be signed by the policyholder and the insured, otherwise the insurance company shall not accept it.

If there is evidence to prove that it was not signed by the person, the contract is invalid.

In fact, in this case, your parents are saving a sum of money for you, this type of insurance is that you can return the principal and increase the value at maturity, and the annual double compound interest and interest dividends are calculated and dividends, that is, you do not take the money back now, and your parents can flexibly use the policy function, and at the same time have your protection. I believe this is the original intention of your parents to insure you--- it is better to leave cash than to leave insurance. (The money for insurance will always be yours even if you get married).

In the case that you can understand the hearts of the elderly, keep this love, and when you come back, you can go to the insurance company to complete the supplementary signing procedures. Even if you have to surrender the policy, it may hurt the mood of the elderly to insure you, right?

1. First of all, the insurance involves death as a condition for payment, and the insured needs to sign and approve the amount, and if the insured does not sign to approve the amount, the contract is invalid. The legal consequence of the invalidity of the contract is that both parties return it. The insurance company is required to refund the full amount paid by the policyholder.

2. Surrender is the right of the policyholder, if there is no special agreement in the contract, the policyholder has the right to choose to surrender the policy at any time. However, it is not wise for you to choose to surrender the policy, because the surrender of the policy is premised on the validity of the contract, and the surrender of the policy can only be refunded to the policyholder in cash, not the full amount of the insurance premiums paid. Because this contract is invalid, you should claim that the contract is invalid and demand a full refund of the premiums paid, rather than surrendering the policy.

3. If the insurance company refuses to refund the premium paid, you can file a complaint with the local insurance authority.

Hope it helps.

An insurance policy, abbreviated as a policy, is a formal written proof that the insurer and the insured have entered into an insurance contract. The insurance policy must fully state the rights, obligations and responsibilities of both parties to the insurance contract. The content recorded in the insurance policy is the basis for the performance of both parties to the contract, and the insurance policy is the proof of the establishment of the insurance contract.

Theoretically, the insurance policy must be clearly explained by the insurer to the insured, and the insured must sign it without objection, and if there is fraud, the insurance contract is not established. Insurance policies not signed by you are not valid! Surrenderable policy.

It should not be, because the insurer is very strict in reviewing this aspect, and the insurer can not compensate for this reason when claiming in the future, so it is best for you to change the contract or surrender the policy, of course, there are exceptions.

Even if the insurance contract is not signed by the person, the fact of subsequent return visit and payment can be regarded as the recognition of the insurance application and signature.

If the policyholder and the insured are not the same person, and the insured does not sign the policy, the contract is invalid, and you can appeal to the insurance company or the insurance regulatory commission, and you have the opportunity to surrender the policy in full.

Life insurance must be signed by the person, but some online electronic signatures, with recorded ** signatures, can be considered to be signed by the person in the new era. It is recommended that you consult the salesperson or company that sold you the policy**.

If it is not signed by the person and has no legal effect, you can surrender the insurance, you can find the person who gave you the insurance to see what the situation is.

If you sign on behalf of you, it is an invalid contract, and both parties will return it!

If it is not signed by the person, it is generally considered invalid, and the business personnel will be held responsible.

All parties to the insurance contract (policyholder, insured) must sign for themselves (except minors).

If the policyholder and the insured do not sign the application form, then the contract is deemed invalid and can be surrendered to the insurance company.

According to the provisions of the Insurance Law, if death is a condition for payment, the contract will be invalid if the insured's signature is not signed by the insured. Other types of contracts do not affect the validity of the contract.

The policies of each company are different, so the regulations are different.

Hello, you must sign in person, if you don't sign in person, change the signature as soon as possible

No, the font of your signature and your signature are different.

This cannot be claimed, unless the insurance company does not pursue the matter

You can't make a claim, so apply for a change of signature as soon as possible.

Hello friends! No! Go ahead and change your signature as soon as possible.

No, you have to sign your own autograph.

No, but you can delegate it to someone else.

It's best to change the signature as soon as possible!!

As long as you admit that it is your own name, you can do it.

But in China, it is strange that the local court actually recognized the insurance that was not signed by the person. The elder sister signed on behalf of the younger sister and did not agree to the autopsy. As a result, the insurance purchased will not be effective. No claims will be made. The court recognized the validity of a signature other than the person's signature. I haven't been able to figure it out.

Is the policyholder signed? What do you mean?

The two most important sentences (especially when death and health are conditional) First, the insurance company has the right not to match after it appears.

2. There may be a potential moral hazard to the insured.

To buy insurance, you must sign in person, and it is a violation to sign not in person. Legal norms for signature: According to the notice of the China Insurance Regulatory Commission No. 133 on issues related to the regulation of life insurance business behavior, where the consent of the insured is required in accordance with the provisions of the Insurance Law, the policyholder can conclude or change the insurance contract for him, and the policyholder designates or changes the beneficiary, which must be confirmed by the insured's signature and shall not be signed by others.

Through the tens of thousands of customers who usually receive, it is found that few people can really buy insurance, and everyone ignores these problems What are the misunderstandings of buying insurance? How to buy insurance correctly? 》

The signature of the illegal policyholder or the insured himself is valid when the insurance contract is concluded, and it is still valid if it is not signed by the policyholder or the insured but meets the statutory circumstances.

Legal basis: Interpretation (II) of the Supreme People's Court on Several Issues Concerning the Application of the Insurance Law of the People's Republic of China

Article 3 If the policyholder or the policyholder's ** person does not personally sign or seal the insurance contract when entering into the insurance contract, but the insurer or the insurer's ** person signs or seals it on behalf of the policyholder, it shall not take effect on the policyholder. However, if the insured has already paid the insurance premium, it shall be deemed that he has recognized the act of signing or sealing on behalf of the policyholder.

If the insurer or the insurer's ** person fills in the insurance documents on behalf of the insurer and is signed or sealed by the policyholder, the content filled in on behalf of the insurer shall be deemed to be the true expression of the policyholder's intentions. However, there is evidence to prove that the insurer or the insurer's ** person has the circumstances provided for in Articles 116 and 131 of the Insurance Law.

2.Interpretation of the Supreme People's Court on Several Issues Concerning the Application of the Insurance Law of the People's Republic of China (III).

Article 1 When a party enters into a contract with death as a condition for the payment of insurance money, according to the provisions of Article 34 of the Insurance Law, "the insured agrees and acknowledges the insured amount" in written, oral or other forms; It may be made at the time of the conclusion of the contract or retrospectively recognized after the conclusion of the contract.

In any of the following circumstances, it shall be deemed that the insured agrees with the policyholder to conclude an insurance contract for him and approves the insured amount:

1) The insured clearly knows that another person has signed and consented on his behalf but does not express any objection;

2) The insured agrees to the beneficiary designated by the policyholder;

3) Other circumstances in which there is sufficient evidence to determine that the insured agrees to the policyholder's insurance for him.

Generally, this is the case, but there are exceptions to the fact that the insurance contract does not take effect.

1. I authorize others to sign the insurance contract on behalf of me with the power of attorney;

2. The guardian of the minor shall sign on behalf of the minor;

3. After the salesman signs on behalf of the person, he will approve it afterwards, and the insurance contract is also an effective contract.

When will I receive my policy?

How do you know that the salesman's signature is valid?

It didn't work. When signing the insurance contract, the policyholder shall sign (leave a fingerprint) or a seal. If the insurer or its Chinese sign on behalf of the policyholder, the insurance contract shall not take effect unless the applicant posthumously recognizes it.

The China Insurance Regulatory Commission promulgated the Notice on Issues Concerning the Regulation of Life Insurance Business Practices, which stipulates that "the life insurance application form, health and financial notice, and other documents indicating the willingness to apply for insurance or applying for change of the insurance contract shall be filled in by the policyholder himself, and if the insurance contract is filled in by others, it must be confirmed by the insured's own signature, and shall not be signed by others."