First, banks can do insurance agency business as long as they hold the insurance agency business certificate issued by the Insurance Regulatory Bureau. As an important intermediary business of banks, insurance is also a common practice for banks to promote insurance.

Second, the entry into force of an insurance contract requires the signature of the applicant himself. If death is the condition for payment of insurance benefits, the insured needs to sign and agree. You mentioned that the telephone confirmation was invalid.

Third, insurance is voluntary, regardless of whether you apply for a credit card. If the bank forces tying, you can complain or simply change banks. There are many banks now anyway.

Fourth, the hesitation period is generally ten days, counting from the time you receive the insurance contract.