Yangmee, Life Insurance Agent

Domestic Violence Story ❤️

The Hidden Struggle - A Survivor's Tale of Perseverance Against Domestic Violence

In the picturesque posts shared across social media, a family beams with joy, seemingly engulfed in a whirlwind of happiness and shared experiences. Yet, behind the curated gallery of smiles and celebrations lies a reality far removed from the idyllic scenes portrayed. This is the story of a domestic violence survivor whose life behind the screens was a stark contrast to the one visible to the outside world—a testament to the adage that things are not always as they seem.

For twenty years, this individual endured the torments of an abusive relationship, a struggle concealed behind the facade of familial bliss. The decision to embark on a journey of self-improvement and autonomy through college education came not only as a means of personal growth but as a beacon of hope amidst the darkness. However, this pursuit was met with resistance from the very person who was supposed to be a partner and supporter.

The abuser, both cunning and manipulative, perceived the survivor's pursuit of academic aspirations as a direct threat to their domineering control. In a meticulously orchestrated effort to derail these ambitions, the abuser demanded the survivor's class schedule under the guise of organizing "family events." However, these purported gestures of familial unity were far from genuine. Instead, they were a calculated strategy, designed not only to impede the survivor's academic progress but to exhaust her completely. The intensity and frequency of these family functions were significantly increased, scheduled during weekdays to consume any free time after work and stretched across entire weekends. This relentless scheduling served a dual purpose: to visibly project an image of familial bliss to the outside world and to strategically wear down the survivor, leaving her too drained to focus on her studies or find the energy for classwork. Friends and family, unaware of the grim reality masked by these seemingly joyous occasions, would relay messages and share screenshots from social media, praising the family's apparent happiness. They unknowingly perpetuated the abuser's narrative, oblivious to the survivor's struggle and the true intent behind these exhaustive events.

Despite these challenges, the survivor's resolve did not waver. Nights became a refuge for study, the quiet hours from 1 am to 3 am offering a precious window of opportunity to work in peace, long after everyone had fallen asleep. The journey was fraught with sacrifices; even the joy of academic achievements had to be concealed, as sharing them provoked the abuser's anger.

This narrative sheds light on the profound complexities of domestic violence, where the victim's struggles are often hidden beneath a veneer of normalcy. It is a poignant reminder of the resilience and strength that lie within those who fight silently against their circumstances. Through unwavering determination and the will to overcome, the survivor in this story not only navigated the treacherous path of an abusive relationship but also pursued an education against all odds.

This is MY Story. It took me a while longer to finish, but I did it.

I share this not for sympathy, but to stand in solidarity with those facing similar battles. My journey was riddled with tears and obstacles, fighting alone in silence and through sheer will, I emerged with my bachelor's degree just a couple of months ago.

✊ To my fellow domestic violence survivors, and anyone in the throes of hardship, know this: You are worthy of your dreams, deserving of love, and capable of finding the light beyond the darkness. Don't give up. Your resilience is powerful, and your future is bright. Together, we are unstoppable.

Why Should You Get Life Insurance?

Everything in life is uncertain that people should prepare for any eventuality. In fact, the only things certain in life are taxes and death. One or both of these things are bound to happen at some point in a persons life. While taxes will always be present in every society, death can come like a thief in the night.

Sickness and death are frightening as it is. They become all the more frightening when a person has not prepared for such an eventuality. This is the reason why every person should get a life insurance.

People should always plan their finances and getting a life insurance is one way of planning their finances. Getting a life insurance is just like saving up for the future because there are life insurance policies that provide for a cash value in the event that the insurance is not used up by the person insured. Under this provision, the insured can withdraw or borrow from his insurance policy. It also means preparing for the future of the people you love in case something happens to you.

A life insurance can come a long way in helping dependents who experience the death of a loved one. When the bread winner dies, these dependents have no one to turn to but if the bread winner has a life insurance, then he is assured that he will leave his dependents with something to hang on until such time when they are already capable of fending for themselves.

Any person who has an income should get a life insurance not only to serve as a lifeline for their dependents. A life insurance can also take of the death-related expenses of the deceased including expenses for the funeral and even for probate of his will.

Some people are not as lucky as others and they will not be able to leave mansions and lands to their dependents. With a life insurance policy, a parent can now leave even a meager inheritance to his dependents or beneficiaries.

Getting a life insurance policy is very important especially for people who have dependents, particularly very young children who are not yet able to work and fend for themselves. The amount of life insurance a person should get should be based on the number of dependents he has and also on his paying capacity.

A person interested in getting a life insurance policy can choose from several kinds of insurance---the term insurance and the whole life insurance are examples. A term insurance is paid out by the insurer after the death of the insured. A whole life insurance is much more complicated and involves a lot of provisions and benefits.

No matter what kind of insurance you want to get, every person should look at the possibility of getting a life insurance. This will assure them that their loved ones would be taken care of in the event that they are no longer there to support them.

🥰🥰🥰

Don't tell a survivor what they should've done - you don't know what they should've done.
Don't tell a survivor what you would've done - because you have no idea what you would've actually done. The survivor is the only expert in their experience.

😍

This serves as a great reminder to insure what matters most—with life insurance.

To all my fellow Life Insurance agents, entrepreneurs, and anyone in sales, every day is an opportunity for growth and success!

Remember, the journey might have its ups and downs, but it's the resilience and determination that pave the way for triumph!

Stay focused, adapt to changes, and keep connecting with your customers and clients. Your passion and dedication are the driving forces behind your achievements. Keep believing in yourself, and you'll continue to reach new heights!

Embrace challenges as learning experiences, and let them propel you forward. Your hard work will pay off, and your dreams are within reach. Keep pushing, and you'll see your efforts blossom into success.

We believe in you! Keep striving, keep smiling, and keep making a positive impact. Your journey is a remarkable one, and we're here to cheer you on every step of the way!

"

Life Insurance 101 Explained

While most of us do not like to think of the subject of our own death, the fact of the matter is that death is a part of life and in order to protect our families we need to give some thought to the subject of life insurance. The more you understand about life insurance the better you can prepare not only for your final expenses and protect your family.

First, understand there are different types of life insurance. The type that is best for you will depend on a variety of factors including your current age and health condition. The two major types of life insurance policies that you need to concern yourself with are term life insurance and permanent life insurance.

Term life insurance provides coverage for a specified period of time. This type of coverage will usually be less expensive than permanent life insurance. Policy periods are usually divided up into easy periods such as one, ten or twenty years. In the event you die within that time period, the death benefit will be paid to your beneficiaries. On the other hand, if you should reach the end of the time period and you are still alive your protection will end unless you elect to renew the policy. The option of building up cash value is not available with this type of insurance policy.

Individuals who only need temporary life insurance and those who need a large amount of coverage but who cant afford to spend a lot benefit from this type of policy the most.

Permanent life insurance is designed to provide coverage for the duration of your life, although in some cases, the policy may be limited up until a specific age. When you reach that age, the cash value of the policy will be paid to you. Because you are building a cash value with permanent life insurance you can also withdraw from the policy in order to pay for important expenses such as education or home improvement costs. Another major advantage to permanent life insurance is that it allows you to build up cash value that is tax-deferred. This generally only applies while the policy is in force; however.

There are two divisions of permanent life insurance; whole life and universal life. A whole life policy will pay dividends under certain circumstances and also has the advantage of premiums that do not fluctuate.

With a universal life insurance the premium payments can be changed by the owner of the policy. This type of flexibility can be advantageous when you have a life changing event.

Permanent life insurance works well for individuals who are interested in long term insurance and who like the idea of building up cash value with their policy they can use to meet future needs. It is important to recognize this type of insurance is more expensive than term insurance. It should also be noted that if you take out a loan against your policy, your death benefit will be reduced.

**It's important to note that the specifics of life insurance policies can vary depending on the insurance provider and the terms of the policy. Therefore, individuals interested in life insurance should consult with insurance professionals or read policy documents carefully to understand the specific details and terms of the policy they are considering.

Life Insurance and Life Assurance Are Not the Same!

The average person in the street assumes that Life Insurance and Life Assurance are names for the same form of insurance. How wrong they are! But don't hang your head in shame, many financial commentators get it wrong too! Life Insurance and Life Assurance perform different financial roles and are poles apart in cost - so it helps to surf for the correct product.

Life Insurance provides you with insurance cover for a specific period of time (known as the policy's term). Then, if you were to die whilst the policy is in force, the insurance company pays out a tax-free sum. If you survive to the end of the term, the policy is finished and has no residual value whatsoever. It only has a value if there is a claim in that context its just like your car insurance!

Life Assurance is different. It is a hybrid mix of investment and insurance. A Life Assurance policy pays out a sum equal to the higher of either a guaranteed minimum underwritten by the policy's insurance provisions or its investment valuation. The value of the investment element is then a reliant on the Insurance Company's investment performance and length of time you have been paying the premiums.

Each year the insurance company adds an annual bonus to the guaranteed value of your life assurance policy and there is normally an extra terminal bonus at the end. Therefore, as the years go by your life assurance policy increases in value as the investment bonuses accumulate. The value of these bonuses are then determined by the insurance company's investment performance. Once investment value has been assigned to the policy, you can cash it in with the insurance company. However, most people get a far better price for their life assurance policy by selling it to a specialist investment broker rather than cashing it in with the insurance company.

If you were to die during a Life Assurance policy's term, the policy pays out the higher of either the guaranteed minimum sum or the accumulated value of the annual investment bonuses. However, if you are still living when the policy terminates, you usually get a bigger payout. This is because with most insurance companies, an additional terminal bonus is awarded.

There is a also a specialized form of life assurance called "Whole of Life". These policies remain in force for as long as you live and as such, have no preset term.

There is also a practical difference for the internet user. Whereas you can buy life insurance online, the Financial Services Authority view life assurance as fundamentally an investment product. As such they believe it is best suited to being sold by a Financial Adviser with advice based on the Advisors full understanding of your personal details. Therefore, you will be unable to buy life assurance online. However, you can use the internet to find a suitable financial adviser with whom you can meet and discuss your requirements.

What are Life Insurance polices and Life Assurance policies used for?

Life Insurance is usually a focal point of the family's financial protection. It is ideally suited to ensure that known debts such as a mortgage, are repaid in full in the event of the policyholders death.

When it comes to providing a lump sum for general use in the event that the policyholder were to die whilst the policy was in force, either life insurance or life assurance can be used. The differences are that with life insurance the size of payout would be preset whereas with life assurance it would depend on the guaranteed minimum and the insurance company's investment performance. But remember, at the end of the policy's term life insurance is worthless, whereas life assurance should payout a sizeable investment sum. In this context Life Assurance seems far more worthwhile but in practice more people elect for life insurance. Why? It's a matter of cost. Life Insurance is considerably cheaper than Life Assurance. Furthermore, in recent years, investment returns on Life Assurance policies have fallen significantly and many insurance companies have placed penalties for cashing in policies early. This has adversely affected the resale value of Life Assurance policies.

Finally, if you want a product to provide a lump sum on your death whenever that is with a minimum payout guaranteed, you'll probably elect for Whole of Life insurance. It's really a form of lifetime investment with the benefit of a guaranteed minimum. They're particularly useful for Inheritance Tax Planning.

Busting the Top 6 Life Insurance Myths

Term life insurance has many advantages. But understanding term life insurance and its benefits means sifting through the myths surrounding it; and there are many myths about life insurance. These life insurance myths and misconceptions can result in too little coverage causing financial hardship for families suffering the loss of a loved one.

To avoid this from happening to you, we've taken a look at the most common misconceptions about life insurance to set the record straight--helping you to make the right life insurance choice for you and your family.

🦄Myth #1: I don't work outside the home so I don't need life insurance.

False! Just because there's no paycheck to replace, doesn't mean life insurance is unnecessary. A life insurance policy that provides coverage for a stay-at-home parent isnt so much about the money they bring in to the household, but instead about the money they keep in the household.

In fact, have you ever considered how much it would cost to pay for childcare and housekeeping in the absence of a stay-at-home parent? Dont underestimate how much this would require, child care is expensive and is a growing cost.

🦄Myth #2: I'm young so odds are I won't need life insurance.

Some people are gamblers by nature and choose to take their chances by skipping out on life insurance completely. Although it is unlikely you'll die during your working years, you're not insuring for what's likely to happen but instead, for the worst-case scenario.

That's why term life insurance is inexpensive for young, healthy people. Buying life insurance now means you'll be providing financial security without spending a lot of money for it.

For example, online quotes show that a $250,000 10-year term policy for:

a healthy 35-year old woman costs as little as $165 a year
a healthy 35-year old man costs as little as $195 a year

What's more you may even be eligible for preferred life rates that mean the annual premiums are even less! Preferred rates are lower premiums - for the same coverage - offered by an insurer based on your health. The good news is that eligibility for preferred rates is common and could save you up to 30 per cent off the standard rate.

🦄Myth #3: If it's really so cheap there must be a catch.

There's no catch to term life insurance. Your basic term life insurance policy will offer you coverage so long as you pay your premium. You buy term insurance coverage for the duration of time you'll need life insurance, whether that's until the kids are out of school or until your mortgage is paid off.

Plus, your premiums are fixed for the length of the term. They won't increase even if the status of your health changes.

🦄Myth #4: I don't need life insurance once my children are self-supporting and my mortgage is paid off.

Everybody's insurance needs vary. But how would your spouse manage daily living expenses without your help? And what if your spouse outlived you by 10, even 20 years?

Even if your children are no longer living at home and you no longer have large debts, like a mortgage, there still are questions you should consider before deciding that life insurance is unneeded.

🦄Myth #5: I have life insurance through my job. I don't need any more insurance coverage.

False. The truth is your life insurance coverage through your work may not be protecting yourself and your loved ones as much as you think. Review how much your employer-paid insurance provides and calculate whether this is enough to keep your family comfortable through the difficult times if you're not around.

What's more, when you leave your job for any reason, including retirement, your coverage usually stops.

🦄Myth #6: It's such a hassle to get life insurance.

Thanks to the Internet, getting quotes is fast and easy. There are a number of online life insurance quote services and usually, all you have to do is answer a few simple questions to get quotes. Sometimes, you can even buy a policy online.

Final Fact:

From the time you marry, buy your first home, start a family and enjoy retirement, having life insurance means you and your family have the security knowing you can reach the long-term financial goals you have set out.

💗Life insurance policies offer personalized protection tailored to your family's unique needs. When it comes to safeguarding your family's future, I found that comparing quotes online can be the first step in finding affordable life insurance solutions that provide peace of mind for years to come.

Curious about your options?

Reach out to me today to compare quotes and determine the ideal coverage for your family's specific requirements. Your family's financial security is my priority, and I'm here to help you make an informed decision that ensures their well-being in the years ahead.

Domestic violence is a serious issue that affects millions of people worldwide, including the Hmong community. As a Hmong woman, I personally faced unique challenges and cultural barriers when dealing with domestic violence and narcissistic abuse.

👉Understanding Cultural Context
The Hmong has a rich cultural heritage, but it also has deeply ingrained gender roles and expectations that can contribute to domestic violence.

Furthermore, while the strong emphasis on family values is a cherished aspect of our culture, it can also become a double-edged sword. This emphasis on family can make it exceptionally challenging for women to seek help or escape from an abusive relationship. The fear of potentially bringing shame to the family or facing ostracization from the community weighs heavily on our minds.

👉Recognizing Abuse
Domestic violence really stems from one partner wanting to have power and control over the other. These abusers often believe they have the right to dictate everything in their partner's life while putting their own feelings and needs above everything else. This need for control and the sense of power it gives them is what drives their abusive behavior. It's a harmful cycle that needs to be stopped. Check out Types of Abuse here: https://www.thehotline.org/resources/types-of-abuse/

❤️Support and Resources
If you are experiencing abuse, know that you are not alone and there are resources available to help you that I have found personally helpful.

People's Advisory Board for New Educational & Economic Goodwill: I founded this nonprofit to foster an inclusive environment in Colorado's Hmong community, where your clan, gender, and marital status do not dictate your voice or impact. We offer domestic violence resources and a hotline to report hate crimes, providing support, assistance, and guidance to those in need. It is crucial to seek help if you or someone you know is experiencing domestic violence or has been a victim of a hate crime.

National Domestic Violence Hotline: A 24/7 hotline that provides support and resources for anyone experiencing domestic violence, including culturally specific resources for Hmong women.

Hmong Women Today: When I began my journey towards empowerment, I discovered this organization and their dedication to providing a safe space for Hmong women. This was a promising start in my quest for strength and support.

988 Su***de & Crisis Lifeline: They offer a texting option to connect with someone during difficult times. I utilized this resource when I was unsure if I could continue on during my darkest moments, and it provided much-needed support and encouragement. To text with a crisis counselor, send a text to 988 on your phone.

Remember, you have the right to live a life free from abuse and violence. By reaching out for help and support, you can begin the process of healing and rebuilding your life.

🥰🥰🥰
I sat down and compiled stories of domestic violence from both Hmong men and women to share in the comments. Below is an anonymous story from a Hmong woman, detailing her experience.

Please be respectful and offer support and kind words to those who have shared their stories. Thank you!

Dream bigger.

Myth: “I don’t need life insurance.”

Fact: Life insurance is essential for everyone. Protecting your loved ones from undue financial burden during a difficult time is one of the most important parts of a healthy financial plan. The right policy is out there for you — dispel the myths about life insurance this

Myth: “I don’t need life insurance for my student loans because they’re forgiven upon death.”

Fact: Only federal student loan debt is certain to be forgiven upon death or total disability, which means if your student loans are held by a private company, your family might be responsible for it if you die. Life insurance can protect your family from financial burden no matter what. Arm yourself with facts this .

takes place each year from September 15 to October 15. Hispanic Americans are a diverse and heterogeneous community, representing about 43 million adults (17% of the total U.S. population). AND Hispanics are the largest minority group in the United States. With so many cultures and ethnicities included in this one designation, we can safely assume that while there may be intercultural similarities, there are also many differences.

According to the 2022 Insurance Barometer Study by Life Happens and LIMRA, life insurance ownership among Hispanic Americans is at 41%, which is well below the U.S. average of 50% and has declined 13 points in the past 11 years. The Hispanic community also expresses the highest need for life insurance, with 51% saying they need it or more of it.

For additional information, please visit http://www.lifehappens.org/.

Myth: “People with health issues cannot get life insurance.”

Fact: Health is a factor for calculating premiums and coverage amounts, but it is not an excluding factor for anyone who needs life insurance. There is a policy out there for everyone, including some that are specifically built for customers with health issues. Battle the myths this year during .

Myth: “I draw no income, therefore I don’t need life insurance.”

Fact: Stay-at-home parents still provide services that would cost a significant amount of money to replace. From childcare to cooking meals to daily transportation, life insurance cash benefits can protect your loved ones from the burden of paying the costs you leave behind. Arm yourself with the facts this .

Myth: “I have so much in savings that I don’t need life insurance.”

Fact: Most savings are for retirement — and the truth of the matter is, nobody knows how long retirement will last. Life insurance is a way to guarantee financial protection for your family once you’re gone. It is worth knowing the facts this year for Life Insurance Month.

Myth: “I have so much in savings that I don’t need life insurance.”
Fact: Most savings are for retirement — and the truth of the matter is, nobody knows how long retirement will last. Life insurance is a way to guarantee financial protection for your family once you’re gone. It is worth knowing the facts this year for

Myth: “I don’t need life insurance because I have no children.”

Fact: Even if you have no children, you will still be leaving loved ones behind. Life insurance can save your beloved from debts like your mortgages or student loans, as well as from your final expenses and burial costs. Fight the myths about life insurance this.

Myth: “My beneficiaries will have to pay income taxes on the proceeds of my life insurance policy.”

Fact: While interest payments on your policy may be taxed, general life insurance benefits are income tax–free. up to a certain threshold set by the Internal Revenue Service (IRS). Dispel these myths with the facts this year during