Seeing such a problem, I feel sorry for the child. After all, I just graduated from college and grew up under the protection of my parents. Judging from your question, the child's parents are gone. As far as the beneficiary in the United States is her parents, the beneficiary can be herself. China Life has a "lucky child", but this insurance is mainly to solve her academic problems. If the child is older, it is not suitable. When I went to college again, I engaged in insurance for a period of time, and I felt that insurance was actually very important for a family. My suggestion is that you'd better go to the sales department of the insurance company. They will enthusiastically introduce and guide you for free. In fact, it doesn't matter which insurance company you go to, as long as you are yourself. May this child grow up happily and healthily in the future and receive a good education.