I'm really surprised your agent couldn't answer your questions about this. But yes, you can purchase it before you go or onboard. And no, you don't have to sign for anything. The only time you have to sign is if it's going to be charged to your onboard account.
Travel Agent/Cruise Specialist w/13 yrs exp and 48 Cruises on 11 cruise lines! Favorites: Paul Gauguin - Tahiti: Uniworld River Cruises - Europe; Celebrity Solstice-class ships; Holland America - 12-nights Baltics & Russia; RCCL - 14-nights Greek Isles, Turkey, & Croatia; Holland America - 14-day Alaskan cruisetour; 10-night Canada/New England cruise; 21 days Hawaii w/7-night NCL cruise; Oceania - 25 days in Asia; more than 3 months touring Europe by train. And many all-inclusive resorts!