Generally, face-to-face bank loan signature is not allowed to replace, and other power of attorney should be possible, risky and easy to cause law.

Insurance underwriting means that the insurer examines the applicant's application to decide whether to underwrite the risk, and determines the underwriting conditions when accepting the underwriting risk, which is also a process that the insurer must carry out in order to reduce its own risk. Simply put, it is the audit process that the insurance company decides whether the applicant/insured can purchase insurance smoothly.