Yes, the E insurance account is only operated by the policy or account holder during his life. In the case of if policy or account holder is unfortunately unable to operate his account due to his mentally unstable condition or by any other medical problem. In such conditions the e insurance account can be operated by the any authorized representative of account holder. Make sure this representative must be appointed by the e insurance account holder only. In this case e insurance account holder advised to secure and keep confidential the log In ID and his password and not share it with someone else.