What we work with
Each of these has its own page, its own questions and its own answer. None of them asks for your name before it tells you something worth knowing.
What we work with
- Term life insuranceCoverage for a set number of years, at a cost fixed for that term. It is the simplest contract in the market and the one most often bought for the wrong length.
- Critical illness coverageA lump sum paid on the diagnosis of a condition the contract names, while you are alive, whether or not you ever go back to work.
- Health and dental coveragePersonal coverage for what a provincial plan does not pay: prescriptions outside the public formulary, dental care, vision, paramedical services and travel.
- Immediate financing arrangementA permanent contract is funded, and a lender advances against the value inside it, so the capital keeps working in the contract while it is also put to use outside it.
- Policies built for the strategyA contract meant to fund the Infinite Financial Sovereignty strategy is designed differently from one bought only for the death benefit. The difference is in the design, not the brochure.
A thirty-minute discovery meeting
A first conversation establishes whether this fits. No illustration is prepared and nothing is arranged.
Often the answer is no, and you will hear it during the call rather than in a proposal afterwards.
About the author
Jose Salloum is a Financial Security Advisor (Conseiller en sécurité financière) licensed by the Autorité des marchés financiers in Quebec, by the Financial Services Regulatory Authority of Ontario, and by the Insurance Council of British Columbia. Licensed since 2001, he works with Canadian families, business owners and incorporated professionals.
He is the founder of Canadian Wealth Creation Centre Inc. (CWCC), registered with the AMF, and of its educational branch IBCFinancial.com. He holds the Infinite Banking Concepts® Authorized Practitioner certification from the Nelson Nash Institute, a private certification rather than a regulatory licence.
CWCC is not registered with CIRO and does not provide securities advice. This page is general education and not advice on any individual file.
Important disclosures
This page is education, not advice. The content is general information prepared by Canadian Wealth Creation Centre Inc. It does not take your circumstances into account and is not a recommendation to buy, hold or cancel any contract. CWCC is not registered with CIRO and does not provide securities advice. The firm places insurance in Quebec, Ontario, Alberta, British Columbia, Manitoba and New Brunswick; clients elsewhere are served by advisors licensed in their province.
Nothing here was written with your file in front of us. Read it to understand the subject, then judge it against your own situation, ideally with someone who is licensed where you live and who has seen your numbers.