1. Commercial insurance premium cannot be paid in advance. Commercial insurance premiums paid in installments are regularly withheld and cannot be paid in advance.
This is also illegal. An insurance company with unexpired insurance has no right to deduct the insurance premium from the customer's account. It is recommended to consult the insurance company first. If negotiation fails, a lawsuit may be brought to the CIRC or the court.
3.
When an insurance company purchases insurance, the insurance company shall deduct the insurance premium according to the time during the contract period. When you sign an insurance contract, there are relevant clauses in it, and the insurance company has the right to deduct them directly. However, it is illegal to withhold money in advance. If you are sure that there is no such clause or agreement, you can go to the banking regulatory bureau to sue him. The insurance company is very strict with their work. Generally speaking, they seldom make mistakes. The problem is likely to be with you. Many contracts are signed without looking at the specific content, and I don't know what to sign.