This kind of guarantee has always been a wonderful work criticized by people. Obviously, it is an "agency contract" signed with the agent, but it also means that the agent cannot be trusted, and it is necessary to take out a third party to guarantee or even build an official seal. I have been in the insurance industry for eight or nine years, and I haven't figured out what this wonderful work has done.
Back to the topic, answer the question: from the perspective of the effectiveness of the general guarantee contract, this thing is more of a shock, but if it is actually used to pursue responsibility, it is impossible to ask the guarantor or the unit to compensate the insurance salesman for any losses caused by his personal intentional behavior and negligence.