Some papers meaning power of attorney. People can generally let others represent them by signing a power of attorney. Hobos are people. Hobos can sign papers th

Some papers meaning power of attorney. People can generally let others represent them by signing a power of attorney. Hobos are people. Hobos can sign papers than let me get money from insurance company that can't price risk properly. Presumably they get a cut, but they could also just sign the papers in exchange for a small sum paid immediately. Details of arrangement between hobo and the representative are none of the insurance company's business.