Forging the signature of the guarantor, the validity of the guarantee contract is to be determined, and it will not have legal effect on the guarantor without ratification by the guarantor. If so, it may be suspected of loan fraud; In addition, from a civil point of view, it means that there is no actual guarantor. Forged signatures and fingerprints are forged evidence.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.