Last updated: April 2026
IBC Financial (“we,” “us,” “our”) is the dedicated educational and marketing branch of Canadian Wealth Creation Centre Inc. (“CWCC”). We are committed to delivering premier financial and life insurance services tailored to the unique needs of Canadians. We offer a range of services, including but not limited to implementing the Infinite Banking strategy, wealth creation planning, and providing personalized life insurance products.
IBC Financial and Canadian Wealth Creation Centre Inc. are not banks, trust companies, or deposit-taking institutions. We are not regulated by the Canada Deposit Insurance Corporation (CDIC), the Office of the Superintendent of Financial Institutions (OSFI) as a deposit-taking institution, or any provincial deposit insurance agency. The term “banking” as used on this website refers to the Infinite Banking Concept — a financial strategy using participating whole life insurance — and does not imply that we accept deposits, offer bank accounts, or provide banking services as defined under the Bank Act (Canada). No funds placed with IBC Financial or CWCC are insured by the CDIC or any deposit insurance program.
The content provided on ibcfinancial.com and through our marketing materials does not constitute investment advice, securities advice, or a recommendation to buy or sell any investment product. Life insurance is not an investment product under Canadian regulatory classification. IBC Financial does not sell, recommend, or advise on stocks, bonds, mutual funds, ETFs, segregated funds, or any securities product. We are not registered as a securities dealer, investment fund manager, or portfolio manager with any provincial securities commission or with the Canadian Investment Regulatory Organization (CIRO). Any references to “wealth building,” “cash value growth,” or “financial strategies” on this website pertain exclusively to life insurance products and the Infinite Banking Concept.
The content on this website should not be construed as professional financial, tax, legal, accounting, or estate planning advice. Information provided is general in nature and may not be appropriate for your specific circumstances. Before making any financial decisions or purchasing any products, we strongly recommend that you consult with qualified professionals, including licensed financial advisors, tax consultants, and legal counsel.
Our services are available in most, but not all, Canadian provinces. Availability may vary by location due to regulatory requirements. We encourage potential clients to contact us to verify service availability in their area.
We do not guarantee any specific results from the use of our services or the implementation of any strategies discussed on this website. Financial and insurance outcomes vary depending on individual circumstances, policy design, insurance carrier performance, and other factors beyond our control. Results may vary. Past performance is not indicative of future results. Dividend rates on participating whole life insurance policies are not guaranteed.
Life insurance products discussed on this website are issued by Canadian insurance companies regulated by the Office of the Superintendent of Financial Institutions (OSFI). IBC Financial is not the issuing insurance company. Jose Salloum is a licensed Financial Security Advisor regulated by the Autorité des marchés financiers (AMF) in Quebec. All policy illustrations are hypothetical and based on current dividend scales, which are not guaranteed. Guaranteed values (guaranteed cash surrender value, guaranteed death benefit) are contractually defined within each policy. Actual results may differ materially from illustrated values.
Any testimonials, case studies, or client results presented on this website represent individual experiences and are not guarantees of similar outcomes. Results vary based on individual circumstances, policy design, premium commitment, and insurance carrier. Testimonials may have been provided voluntarily and may not represent the experience of all clients.
All financial decisions involve risk. By engaging with our services or implementing any strategies discussed, you acknowledge and accept that there are inherent risks, including the potential for policy lapse if premiums are not maintained, surrender charges in early policy years, and the possibility that actual cash value growth may differ from illustrated projections.
While we make every effort to ensure accuracy, we do not guarantee that all information on this website is accurate, complete, or current. We reserve the right to modify content at any time without notice.
Our website may contain links to third-party websites. We do not endorse, guarantee, or assume responsibility for third-party content. Your use of third-party resources is at your own risk.
All content on ibcfinancial.com is the property of Canadian Wealth Creation Centre Inc. Unauthorized reproduction is prohibited. The Infinite Banking Concept™ is a trademark of the Nelson Nash Institute.
To the fullest extent permitted by applicable Canadian law, Canadian Wealth Creation Centre Inc., IBC Financial, and their officers, directors, employees, and agents shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of this website or reliance on any information provided.
This disclaimer is governed by the laws of the Province of Quebec and the federal laws of Canada applicable therein. Any disputes shall be resolved in the courts of the Province of Quebec.
For questions about this disclaimer, contact us at
Email: Info@ibcfinancial.com
Phone: 438-808-3314
Address: 42 Rue de Braine, Blainville, QC, Canada J7B 1Z2
