It’s a scam, no doubt about it.

There are many guarantee-related frauds online. Guarantee companies frequently issue statements pointing out that scammers have used their names to commit fraud and reminding the public to take precautions. Most of them are related to card application or loan fraud. Note that all credit card, financing, and loan businesses handled remotely and based on Internet platforms are basically scams, especially those that charge material fees, personal insurance premiums, and other pre-loan fees. The most obvious fraud feature is: publishing in the name of the company information, sign a contract, charge fees to a personal (so-called legal person, manager, financial person in charge) bank account, or request to deposit money on your own card for reasons such as activation or verification of financial strength (repayment ability)... ...

Extended reading: How to buy insurance, which one is better, and step-by-step instructions to avoid these "pitfalls" of insurance