在我国保险实践中,由于存在着很多不规范的做法,影响到了保险合同的效力,直接损害了保险公司自身和投保人、被保险人的利益。本文通过对保险实践中常见问题的分析,对保单签发、保费缴纳、代理人代投保人签字与保险合同效力之间的关系进行了讨论。 In China’s insurance practice, due to the existence of many non-standard practices, affecting the effectiveness of insurance contracts, a direct damage to the insurer itself and the insured, the insured’s interest. Based on the analysis of common problems in insurance practice, this paper discusses the relationship between the issuance of insurance policies, the payment of premiums, the signature of insurance agents on behalf of insurance agents and the effectiveness of insurance contracts.