TERMS & CONDITIONS
Last Updated: December 2025
Welcome to the Life Insurance Saves Homes Campaign, created and operated by Generational Wealth Movement (GWM) in collaboration with Miriam Vargas and Jennifer “YAY” Hammond. By using this website or scheduling a consultation, you agree to the Terms and Conditions below.
Please review them carefully.
1. Purpose of This Website
This website provides:
Educational information about life insurance
Living benefits education
Mortgage protection strategies
Homeownership safety planning
Access to download a free guide
A link to book a free mortgage protection consultation with a licensed agent
The content is educational only and not a replacement for personalized advice.
2. No Direct Affiliation with ABC or Media Outlets
This website and campaign are operated by GWM.
They are not owned, operated, or endorsed by:
ABC Action News
Tampa Bay’s Morning Blend
Scripps Media
Any media affiliate
Any references to ABC or Morning Blend are solely to acknowledge the invited guest segment featuring Miriam and Jennifer.
ABC does not guarantee or endorse the services provided here.
3. Licensed Agent Disclosure
Both Miriam Vargas and Jennifer J. “YAY” Hammond are licensed life insurance agents.
They are qualified to:
Provide insurance education
Answer questions
Offer consultations
Provide quotes
Assist with applications
Recommend protection strategies
There is no obligation to purchase anything during a consultation.
All recommendations follow:
State licensing laws
Suitability standards
Carrier guidelines
4. About Jennifer “YAY” Hammond
Jennifer appears in this campaign as:
A licensed life insurance agent
A licensed real estate expert
A media personality
A mindset advocate
Her role in this campaign:
Does not imply she is endorsing any specific product
Does not form a client relationship until a consultation is booked
Exists to highlight her participation in the ABC educational segment
Real estate or insurance advice should be discussed directly with her during your consultation.
5. Educational Disclaimer
All website content including videos, guides, emails, and social content is general educational information only.
It is not:
Legal advice
Tax advice
Financial planning
Mortgage or refinance guidance
Seek advice from your own licensed professionals when necessary.
6. Free Consultation Terms
By booking a free consultation, you acknowledge:
The consultation is educational
You are speaking with a licensed agent
There is zero obligation to buy
Quotes depend on your age, health, and state
Carriers, not GWM, determine eligibility and approval
Nothing on this site guarantees coverage or outcomes.
7. Lead Magnet Terms
By downloading the free guide, you agree to:
Provide accurate information
Receive educational communications
Allow GWM to follow up regarding your inquiry
You can unsubscribe at any time.
8. Accuracy of Information
We strive to be accurate, but:
State laws vary
Underwriting guidelines change
Not all policies include living benefits
All information is subject to updates without notice.
9. No Guaranteed Results
GWM cannot guarantee:
Coverage approval
Premium amounts
Coverage amounts
Financial outcomes
Mortgage outcomes
Testimonials represent individual experiences only.
10. Limitation of Liability
GWM, Miriam Vargas, Jennifer Hammond, and associated partners are not liable for:
Financial losses
Mortgage outcomes
Denied coverage
Client decisions
Technical errors or outages
Missed appointments
Use of this website is voluntary and at your own risk.
11. Use of Personal Data
Your personal information may be used to:
Send your guide
Provide education
Follow up regarding your inquiry
Send reminders and updates
Your data is not sold to third-party marketers.
12. Intellectual Property
All content on this website is owned by Generational Wealth Movement (GWM) and may not be reproduced without permission.
13. Changes to Terms
These terms may be updated at any time. Continued use equals acceptance of updates.
14. Contact Information
For support or questions:
Generational Wealth Movement (GWM)
📧 Email: [email protected]
📞 Phone: (407) 839-9766
🕒 Hours: Mon–Fri, 9am–5pm EST