not sure  what  insurance you are talking about...

most likely you are talking about life insurance with saving function..
that is what i assume...

you can buy a term now...it is cheap and you can terminate it
any time you want.

if you need to go back china, simply stop the payment.if you are staying.
you can convert it to other life product without further proof
of insurablity, in another word, you dont need another medical test
and still get the same health rating as you first purchase your term.

just dont buy term from small companies for saving a few bucks..
cause the guar an teed insurability is honored by the company you buy
term from.

my company Metlife and NYlife is pretty good choice.

and for your ppl like you, 1million term only cost 20bucks a month.