Resources

Information Purpose Only

The content on this website is provided for general informational and educational purposes only. It does not constitute personalized financial, insurance, investment, tax, or legal advice. Before making any financial decision, consult an experienced licensed insurance professional, an accountant who understands your specific tax situation, and a legal advisor who understands the relevant areas of Canadian insurance, estate, and corporate law.

Not Investment Advice

CWCC is licensed as a firm of Financial Security Advisors under the AMF in Quebec. We do not provide investment advice or securities advisory services. Where investments are referenced on this website, the references are for educational and contextual purposes and do not constitute investment recommendations. For investment advice, consult a registered representative of a CIRO-member firm.

Insurance Guarantees

Insurance product guarantees are contractual guarantees of the issuing insurance company, dependent on the insurer's financial strength and claims-paying ability. Insurance products are not deposits and are not insured by the Canada Deposit Insurance Corporation (CDIC). Coverage for insolvency of a Canadian life insurer is provided by Assuris within its published limits.

Participating Whole Life Insurance Dividend Disclosure

Dividends on participating whole life insurance policies are declared annually by the issuing insurance company's board of directors based on the performance of the participating fund. Dividends are not guaranteed. Past dividend performance is not indicative of future dividend results. The guaranteed values referenced in any policy illustration are the contractually defined guaranteed values and are independent of dividends. Non-guaranteed values illustrate potential future performance based on the insurer's current dividend scale, which can change.

Tax Information

Tax treatment of insurance products, registered accounts, and financial strategies depends on individual circumstances and on Canadian tax law in effect at the relevant time. Canadian tax law is subject to change. The tax information on this website is general in nature and current as of the date the content was published. Consult a qualified tax professional regarding your specific situation.

Suitability

Strategies discussed on this website may not be suitable for all individuals. Suitability depends on personal financial circumstances, risk tolerance, time horizon, and objectives that can only be assessed through individual consultation with a licensed advisor.

Third-Party Insurers

CWCC works with multiple licensed Canadian insurance companies. Specific insurer references on this website are factual and contextual. CWCC does not endorse any specific insurer or product outside the context of personalized client suitability. Product features, dividend scales, and underwriting standards vary by insurer and are subject to change.

Compensation

CWCC and its representatives earn commissions on insurance products placed with insurers, paid by the insurer (not by the client) after a policy is in force. Consulting fees may apply for ongoing advisory work. Full compensation disclosure is available at Transparency and Compensation.

Professional Relationship

Reading the content on this website does not create a professional-client relationship between any reader and CWCC or any of its representatives. CWCC owes no duty of care to readers who act on the general information presented here without individual consultation. A professional relationship is established only after a formal engagement.

Trademarks

“Infinite Financial Sovereignty™” and “IFS™” are trademarks of CWCC. “The Infinite Banking Concept®” and “Becoming Your Own Banker®” are registered trademarks of Infinite Banking Concepts, LLC (Nelson Nash Institute), a United States-based organization. References on this website to the Authorized Infinite Banking Concept® Practitioner designation held by Jose Salloum are made with attribution and in accordance with the Nelson Nash Institute's trademark usage policy.

Privacy

CWCC's collection, use, and disclosure of personal information is governed by Quebec's Act respecting the protection of personal information in the private sector (Law 25) and Canada's Personal Information Protection and Electronic Documents Act (PIPEDA). See our Privacy Policy for full details, including the contact information of our designated Privacy Officer.

Electronic Communications

Marketing electronic messages from CWCC are sent only to recipients who have provided CASL-compliant express consent. Every commercial electronic message includes the sender's identifying information and a clear unsubscribe mechanism. To unsubscribe from CWCC marketing communications, click the unsubscribe link in any marketing email, or contact us directly.

Firm Information

Important Disclosures

Information Purpose Only

Not Investment Advice

Insurance Guarantees

Participating Whole Life Insurance Dividend Disclosure

Tax Information

Suitability

Third-Party Insurers

Compensation

Professional Relationship

Trademarks

Privacy

Electronic Communications

Services

About

Resources

Legal & Compliance

Connect

Resources

No Posts Found!

Information Purpose Only

Not Investment Advice

Insurance Guarantees

Participating Whole Life Insurance Dividend Disclosure

Tax Information

Suitability

Third-Party Insurers

Compensation

Professional Relationship

Trademarks

Privacy

Electronic Communications