The most important thing for new immigrants is that you must have an auto insurance. What you need to pay attention to the policy is the liability. If you have a good insurance policy, but ignoring the liability, your situation will be passive when your have an accident, and another party will suit you. Please talk to your agent about the liability insurance carefully to protect your personal property. 

New immigrants may be not familiar with the life insurance in America. Life insurance is imperative to your family, children education, and retirement. It is better that you get a life insurance when you are young and in the good health condition so that you can avoid tax, and accumulate your wealth. After that, you will have enough money for your children education, fund, and retirement life. The first thing we need to do is to make a plan according to your wealth, and you must be in good health condition. To remind you again, it is better to enroll life insurance when your are young and healthy because you will have a lower premium, and quickly to be approved by the insurance company. 

Medical insurance is essential for new immigrants. After reforming insurance policy, enrolling health insurance is easier than before. Even though you have pre-existing conditions, such as cancer, you can still enroll health insurance. There is open enrollment period. At present, you cannot get purchase any health insurance after Jan 31st. If you have some qualified events, you can still get insurance, for instance, marriage, newborn baby, moving in from another state. For now, lots of Chinese come to the USA to see doctors. You may or may not get health insurance in this condition. If you want to pay cash, we can help you find a hospital, contact doctors. You will get at least 50 percent discount. Hope you consider your health first. Do not forget that you have to have a health insurance in America. 

New immigrants may have their home property or rent a house. For someone who has a house, you need to pay attention to the liability insurance. If you do not have home insurance and someone who falls in your home sues you, you may have a half to one million losses. Thus, you should consider buying a home insurance even though you rent a house because of the liability. Please attach the importance to the home insurance. 

I believe that everybody hears about the umbrella insurance. Umbrella insurance is an extra liability insurance. Your auto insurance, home insurance, and the renter insurance may just have half or a million coverage which is not enough. The umbrella policy can cover both of your home insurance and auto insurance. What kind of people need umbrella insurance? The policy is for the families that have young drivers or have an additional house for rent. This situation is easier to cause some lawsuits. Please pay attention to it. 

In summary, America is different from Asian countries in the aspect of insurance. You need insurance here. Although you pay lots of money for insurance, you get the protection of your family in your life. No matter what insurance you have, be attention to your liability for your auto, home, and renter insurance. Right now, the medical insurance is necessary for CA residences. You need to have a health insurance, or you will get a lot financial penalty. Life insurance is also an important financial tool that is tax-free to protect your family. Thank You.