AIA has many types of insurance, such as annuity insurance with policy loan function. First of all, a policy loan is a bank loan that you apply for with a policy as collateral. Secondly, when you apply for a policy loan, the salesman knows this situation. Finally, just pay off the loan and then apply for the certificate of settlement.

It is invalid for an insurance salesman to sign an insurance contract on his behalf. The applicant and the insured are independent legal subjects in the insurance contract. When handling the formalities of payment and surrender, the insured shall sign. The insured shall sign the procedures for settlement of claims and payment of insurance benefits. If the insured dies, the beneficiary must sign, and signature is not allowed. If the claim fails because the insurance salesman signs the contract, then the insured and the insurance salesman will have to bear the consequences themselves, and there will definitely be disputes. According to the Insurance Law, an insurance contract is an agreement between the applicant and the insurer to stipulate the insurance rights and obligations. The applicant refers to the person who has entered into an insurance contract with the insurer and has the obligation to pay the insurance premium according to the contract. An insurer refers to an insurance company that has entered into an insurance contract with the applicant and is liable for compensation or payment of insurance benefits according to the contract. When concluding an insurance contract, the parties shall reach an agreement through consultation and determine the rights and obligations of each party in accordance with the principle of fairness. Unless insurance is required by laws and administrative regulations, an insurance contract is concluded voluntarily. Article 10 of People's Republic of China (PRC) Insurance Law is an agreement between the insured and the insurer to stipulate the insurance rights and obligations. The applicant refers to the person who has entered into an insurance contract with the insurer and has the obligation to pay the insurance premium according to the contract. An insurer refers to an insurance company that has entered into an insurance contract with the applicant and is liable for compensation or payment of insurance benefits according to the contract.