Does China's life insurance have an impact after joining American citizenship?

It doesn't matter. They need to record the change of nationality. You can contact the insurance company. The insurance you bought before is still legally binding.

If you are an immigrant, some medical insurance will not work.

Commercial insurance is divided into two situations:

A. For long-term life insurance, you can surrender, but this will only refund the cash value of the policy and cause you some losses. It is recommended to keep the policy valid, and the death or survival insurance premium will be paid to your account by the insurance company.

B. medical insurance, including hospitalization, accidental medical treatment, hospitalization allowance, etc. Generally, such products cannot be used abroad, and they can only be surrendered. Although critical illness insurance can also claim compensation, the procedure will be more troublesome and you may need to go back to China for diagnosis. You can consider turning yourself in. This kind of insurance will generally return the unexpired pure premium after surrender, depending on the regulations of various insurance companies.