Ready to take control of your financial future and become your own banker? IBC Financial’s complimentary 30-minute discovery meeting is your first step toward understanding how participating whole life insurance can serve as your personal banking system — giving you access to capital on your terms, with tax advantages available under Canadian law.
Jose Salloum, Licensed Financial Security Advisor (FSA) and Authorized Infinite Banking Concept® Practitioner since 2019, has designed hundreds of personalized Infinite Banking plans for Canadian families and business owners. Licensed by AMF (Quebec), FSRA (Ontario), and the Insurance Council of British Columbia.
Discover proven strategies for growing and protecting your wealth under the guidance of our trusted Infinite Banking Concept® A.I.B.P at IBC Financial.
In this session, you’ll learn:
Our experienced IBC team has a track record of helping clients take control of their financial lives. We’re here to guide you every step of the way.
This is a personalized, one-on-one conversation — not a sales pitch. Your licensed Financial Security Advisor will:
1. Listen to Your Financial Situation
We start by understanding where you are today — your income, cash flow patterns, debt obligations, and long-term financial goals. Every plan we design begins with your reality, not a template.
2. Explain the Infinite Banking Concept® in Plain Language
You’ll learn how participating whole life insurance works as a personal banking system — how cash value accumulates, how policy loans provide tax-free capital access, and how you recapture interest that currently flows to traditional lenders. We’ll answer every question you have, without jargon.
3. Show You How IBC Could Work for Your Specific Situation
Based on what you share, Jose will walk you through how a customised Infinite Banking plan could be structured for your circumstances — including realistic timelines, premium levels, and what to expect in years 1 through 10 and beyond.
This complimentary consultation is designed for Canadians who want to understand whether the Infinite Banking Concept® fits their financial situation. You may be a strong fit if you are:
Licensed and Regulated. Jose Salloum is a licensed Financial Security Advisor regulated by the Autorité des marchés financiers (AMF) in Quebec, the Financial Services Regulatory Authority of Ontario (FSRA) in Ontario, and the Insurance Council of British Columbia. His licensing status can be verified at lautorite.qc.ca.
Experienced. Hundreds of personalized Infinite Banking plans designed for Canadian families and business owners across multiple provinces.
Authorised. Jose is an Authorized Infinite Banking Concept® Practitioner credentialed by the Nelson Nash Institute since 2019.
Canadian-Focused. Every plan we design uses Canadian participating whole life insurance carriers, Canadian tax law (Income Tax Act, CRA), and Canadian regulatory frameworks. We do not reference or apply US tax rules, US carriers, or US financial products.
No Cost. No Obligation. The discovery meeting is completely free. There is no commitment to proceed. You’ll leave with a clear understanding of whether this strategy fits your situation — and if it doesn’t, we’ll tell you.
How long is the meeting?
30 minutes. If your situation requires more time, we’ll schedule a follow-up at no additional cost.
Is there any cost or obligation?
None. The discovery meeting is complimentary, and there is no obligation to proceed with any product or service.
Who will I be meeting with?
Jose Salloum, Licensed Financial Security Advisor and Authorized IBC Practitioner, or a member of his licensed team.
Do I need to prepare anything?
No preparation is required. If you want to maximize the session, read the book that we will send you before the meeting. You can also contemplate your current monthly income, existing debt obligations, any financial goals you’d like to discuss, and the amount you can save each month to build your IBC system.
Is this meeting available across Canada?
Yes. We serve Canadians in most provinces. Meetings are available in person (Quebec), by phone, or by secure video conference. Please note our services are not yet available in all provinces — contact us to verify availability in your area.
What happens after the meeting?
If you decide to explore further, Jose will prepare personalized policy illustrations based on your specific circumstances. These illustrations are also provided at no cost. If you decide the strategy isn’t for you, there is no follow-up pressure.
