Is there a tax on China's commercial endowment insurance for immigrants to the United States?

First of all, the treatment of commercial endowment insurance is implemented in accordance with the signed insurance contract. As long as the procedures when you sign the insurance contract are legal, no matter where you are, the execution of the contract will not be hindered. Secondly, the beneficiaries of commercial endowment insurance are exempt from personal income tax, which is not within the scope of recovery of creditor's rights and debts. It is clarified by the relevant provisions of the Insurance Law, Income Tax Law, Inheritance Law, Inheritance Tax Ordinance (Draft), General Principles of Civil Law and other legal documents. So as long as the insurance procedures are in compliance, your beneficiary will be guaranteed.