How do American immigrants buy insurance?

# American Immigration # Introduction Americans have a strong sense of insurance, so almost all people living in the United States will buy insurance. Here's how American immigrants buy insurance. Welcome to read!

I. Life insurance

Especially in the United States, parents, as the main source of income to maintain their family's livelihood, have a fixed family burden, such as mortgage and school expenses for their children. Life insurance is necessary to ensure that people with fixed income in the family can still function normally in the event of an accident. Term life insurance is a good choice in life insurance, and some insurances do not need health examination. You buy basic "term life insurance", such as a term of 20 years. If the insured dies during the insurance period, the insurance company will pay compensation to the beneficiary. Death claims can help replace the income your family depends on, which can be used to pay the mortgage or your children's college expenses. If you have retired and your children are independent, you don't need this kind of insurance without these great responsibilities.

Whole life insurance is a life insurance policy, which pays for your claims after your death. This kind of insurance is more expensive, but there is a saving part called "cash value", which will increase with time. Some people use whole life insurance to pay the federal estate tax or protect their assets.

Consumers can find a suitable insurance company online, and have a life insurance computer to estimate the insured amount for consumers according to their own situation. In addition, it can help you understand all kinds of insurance and buy affordable insurance.

Second, long-term care insurance.

Due to the rising cost of long-term care, more people began to consider insurance. After 20 years, the cost of a three-year "long-term photo" can exceed 300,000 yuan, and according to statistics, more than 70% of the elderly over 65 need long-term care services.

The insurance company has an interactive map showing the cost of "long-term care" across the United States. Consumers can calculate the future long-term care costs according to the median cost of the state of residence. For example, a private one-bedroom apartment with assisted living facilities in Virginia cost 47 880 yuan last year and will reach 65,438+065,438+06,265,438+07 yuan in 2044. Private rooms in nursing homes will increase from 843 15 yuan to 204,655 yuan in 30 years.

Long-term care insurance can be divided into traditional and mixed types. Traditional insurance is to pay the premium to the insurance company according to the contract term, just like term life insurance. You can't get a refund if you don't use it. Mixed insurance has a refund clause. You pay a deposit first, usually 50,000 to 1.5 million, which will be put into a collective fund to pay for long-term care and death claims. If you die before the "long-term care" collective fund runs out, your beneficiary will receive death compensation. If you don't need "long-term care", you may get all your money back.

Third, long-term disability insurance.

Illness or injury will leave you without income for a long time. At present, a quarter of young people in their twenties may become disabled before retirement, but only 29% of Americans have disability insurance. If you get disability insurance from your employer, you should probably consider buying life insurance as a supplement, because many employers provide disability insurance and only pay claims when you are completely disabled.

If your employer pays the premium, your claim will be taxed, that is, you will get less money after you are disabled.

If there is no disability insurance, or if you want to supplement the employer's disability insurance, the premium is equivalent to 1 to 3% of the annual salary. Most disability insurance pays 40% to 60% of the basic salary. If the insurance premium is paid, any claim is tax-free.

It should be noted that in buying insurance in the United States, American law stipulates that people cannot buy insurance directly from insurance companies, but must go through insurance brokers or intermediaries, and the commission charged is also the proportion stipulated by law.

Further reading: what you can't do when you immigrate to the United States

1. Speak loudly in public places.

Almost every friend who submitted survey feedback mentioned this point. China people talking loudly in public places or restaurants seems to be the most frequently criticized problem, which even makes Americans have a prejudice against China people-talking loudly.

2. Square dance in the park

In new york, where land is scarce, it is almost impossible for the elderly in China to find an open space for morning exercise, so they can only choose a small street park near the community. In addition to Chinese, there are many Hispanic working-class people living nearby. Many people get off work late at night and want to have a good sleep, but they are disturbed by China, an old man who comes out for morning exercise at 5 am. It is indeed understandable.

Dry underwear on the balcony.

As one of the most technologically advanced countries in the world, the United States is also famous for the laziness of its people, especially in new york. Because the living space in new york is extremely precious, it is difficult to put down the washing machine at home, so people usually go to the nearby laundry room to wash clothes. In addition, most apartments don't have balconies, so people simply hang their clothes in the laundry room and take them home. So it is rare to see someone drying clothes and pants on the balcony or outside the window. As for underwear, Americans believe that it involves personal privacy and should not be seen by others.

Wear pajamas to the streets

Never think that wearing pajamas to the streets is just a common phenomenon in China. Many middle-aged and elderly immigrants living in Chinese communities also keep this habit. However, the reaction of American society to this is polarized. Some people think that this move is not very beautiful and is detrimental to the image of the city.

Although there are foreign friends present at the party, they still communicate in Chinese.

When you attend a party with two or more friends from China, China people usually chat in Chinese, while foreigners who don't know Chinese are left alone, which makes them feel very embarrassed and uncomfortable. Many people in China, including students from China, are not used to social occasions in the United States. As long as there is a China person around, they often chat with themselves and don't care much about the rhythm of the whole party. At the party, try to get everyone involved in the English conversation.