1, critical illness insurance generally recommends buying in advance. In order to avoid congenital diseases, the earliest purchase time should be 28 days after birth;

2. You can buy medical insurance and accident insurance according to the economic situation of the insured; If conditions permit, the earlier you buy, the greater the protection you get;

3. Life insurance is purchased when necessary. In order to ensure the old age, with the increase of the insured's age;

4. Auto insurance renewal can generally be purchased 90 days in advance. Car insurance will not take effect immediately. The purpose of renewing the insurance in advance is to prevent the car from exceeding the insurance period.

Function of insurance

1. financial intermediary function: the insurer invests unused insurance funds in new social reproduction, and ensures its appreciation and preservation. It is necessary for insurance companies to use insurance funds reasonably, and the use of each fund must take into account the principles of legality, safety and efficiency;

2. Function of social management: Social management of insurance is a process of regulating society and its various stages. Its purpose is to smoothly realize the functions of various systems and departments, coordinate social relations and share the losses caused by accidents, so as to realize the virtuous circle and effective management of the whole society.