Why do immigrants need a guarantor? In those cases, you need a guarantor to go abroad.

In the project that Manitoba nominates friends to sponsor immigrants, the guarantor must be a resident with no criminal record who has successfully settled in Manitoba. The meaning of "successful settlement" is not only that the guarantor has a stable residence, but also that the guarantor has a stable job and ample income in Manitoba. In addition, the guarantor is also required to have a complete plan for the employment and life of the applicant after coming to Canada, so that the visa officer can fully believe that the guarantor can help the applicant's family settle down in Canada smoothly and start a happy life.

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