Hello, when the borrower dies, the creditor can find a guarantor to repay the loan. You need to pay attention to the following points:

1, the term and scope of the guarantor's guarantee, and check the contract carefully.

If you are insured with accident insurance, you can claim the insurance amount from the insurance company. However, if the insured amount is not enough to pay off the loan, the guarantor is still responsible.

3. The guarantor can also sue the borrower's heir and make the heir bear the repayment responsibility.

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