Refusing to pay in advance is reasonable and legal, but not paying on time is an unreasonable breach of contract.

Insurance premium is the amount paid by the insurer to the insured or beneficiary according to the insurance contract; Or the amount of compensation for material losses at the time of the insured accident. Insurance payment is the way for the insurer to bear the insurance liability. Insurance compensation shall be paid in cash in principle. However, for property insurance, measures such as repair and replacement can also be taken to compensate for losses. The insurance premium paid by the company refers to social insurance premium, which is a fund formed by the insurance premium paid by the insured. When the insured suffers misfortune or losses, the insurance fund can be used for compensation.