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由于代理人失职引起人身保险合同纠纷 ,投保人对代理人的如实告知应视为保险人已知 ,代签名行为应视作代理人的默许。结合国内外保险法规、保险代理的国际惯例及“弃权”原则 ,保险人应承担赔付责任。为切实保障合同双方的权益 ,避免事后纠纷的发生 ,代理人须履行谨慎尽职的义务 ,保险人应完善投保单及保险合同的格式
As the agent misconduct caused by life insurance contract disputes, the insurer's agents should be honestly known as the insurer known, on behalf of the signature act should be regarded as the acquiescence of the agent. Combined with domestic and international insurance laws and regulations, the international practice of insurance agents and the principle of “abstaining from voting”, the insurer shall assume the responsibility of paying the debts. In order to effectively protect the rights and interests of both parties to the contract and avoid the occurrence of disputes afterwards, the agent shall perform the obligations of due diligence and the insurer shall perfect the format of the insurance policy and insurance contract