A Complimentary 30-Minute Discovery Meeting

A thirty-minute conversation, held online, for a household that has already done the reading. The book is sent to you free of charge, a fifty dollar value, and this page is the other half of it. The questions come from this side: are you working, are you a Canadian citizen or a resident, do you understand the concept rather than the product, and are you ready to be coached. No product is presented and no illustration is prepared at this stage.

Thirty minutes, online, at no cost. Before a date is set, the book is sent to you free of charge, a fifty dollar value.

Read the book, read this page, and the conversation starts where the reading ends. That is why half an hour is enough.

What happens in the conversation

Three questions, in this order, because the order matters. They come from this side of the table, and each is about your situation rather than a product.

What is the money for? A contract of this kind is designed at issue for a purpose, and the design largely cannot be redone afterwards. One built for maximum coverage behaves differently from one built for value accessible early. Answer this well and the rest has a target.

Is the cash flow durable? Not a good year. A normal year, sustained, with room to spare. The structure rewards steadiness, so this is settled early rather than assumed, and settling it early is what makes the rest sound.

Does the plan survive a shock? Disability, critical illness, a job loss, a business interruption. A method that depends on continued funding has to survive the event that interrupts it, and that is examined directly.

What does not happen

No illustration is prepared. A document projecting values decades out, produced before anyone knows what the contract is for, answers a question nobody asked. If the conversation goes further, an illustration comes later, with its assumptions and their date stated.

No product is recommended. Thirty minutes is enough to establish whether the concept belongs in your life. It is not enough to know your situation.

No professional relationship is created. Nothing said in a first conversation is personalised advice, and nothing on this website is either. IBC Financial is the education platform and trade name of Canadian Wealth Creation Centre Inc., which holds no licence, distributes no product or financial service, and concludes no transaction. Every relationship comes through that firm and its duly certified representatives.

No follow-up unless you ask for it. See the consent section below, which is written plainly rather than in the usual way.

Before booking, the terms and conditions set out what a conversation is and is not, and the governance of personal information sets out what happens to what you provide.

What you are asked, and why

Four questions reach you before a date is set, and each takes a minute. They exist so the half hour goes to the households this suits, and so you know where you stand. Licensing and compensation are published openly further down this page.

Are you working? A contract of this kind is funded out of income you already have, month after month, so the plainest question comes first.

Are you a Canadian citizen or a resident? Contracts of this kind are issued to people living in Canada, and that fact makes everything after it possible.

Do you understand the concept rather than the product? The concept is what the strategy rests on, and the book was sent to teach it. Hold it and you can weigh any product put in front of you.

Are you disciplined and ready to be coached? This rewards holding to something over years rather than an afternoon's decision. Answer honestly and the half hour will be among the most useful of your year.

If you are an advisor or a broker

This page is written for households. The form asks whether you hold an insurance licence for a simple reason: the meeting described here is for the person who will own the contract.

Licensed professionals are looked after elsewhere. Canadian Wealth Creation Centre Inc. is the firm, and it is where contracting, case design and support for licensed professionals live. To place business, go to cwcc.ca. IBC Financial is its education platform and holds no licence of its own.

Everyone else is in the right place. If you want to understand what you already own, or what you are thinking of owning, the rest of the page is for you.

Requesting a meeting

The form is at the top of this page, and here is why each question is asked. Your name, your email and your mobile number are what a meeting is arranged with, and the mobile number is required, because meetings are set and confirmed by text message.

Whether you are a Canadian citizen or a resident. Contracts of this kind are issued to people who live in Canada, so that fact decides whether a conversation can usefully happen. Whether you hold an insurance licence is asked so that licensed professionals are sent to cwcc.ca.

Consent, in two separate parts. Asking to be contacted about a meeting is one thing, and agreeing to receive educational material afterwards is another. Bundling the two would not be valid consent under Canadian law, so they are never presented as one tick. Marketing consent can be withdrawn at any time, which does not affect a meeting already arranged.

Nothing else is collected. There is no question about your income, your assets or your health, because none of that decides whether a thirty-minute conversation is worth having.

Coming ready

Preparation here is reading rather than paperwork, and it is the whole of what is asked of you before the meeting.

Two things arrive before a date is set, and the half hour is built on both.

The book, free of charge. A fifty dollar value that costs you nothing, because the concept has to be understood before a product can be judged. It does the work no first meeting has time to do.

This page. The rest of it sets out the five steps, what the form collects, and how the practice is paid, so none of that has to be explained aloud.

The half hour then starts where the reading ends. The time goes to your own situation and your own questions, and most people know inside ten minutes that they want the next conversation.

If you already own a contract, bring the most recent annual statement rather than the original illustration. No opinion is given on it in a first meeting, and that is deliberate: a view offered without the know your client work and the Financial DNA behind it is worth nothing. Once that record exists, the contract is read against what it was bought to do.

Why the meeting is thirty minutes

Because that is long enough to answer the three questions and short enough that nobody feels committed by having spent an afternoon.

Longer first meetings build a sense of obligation on both sides. Whoever has given two hours feels they should have something to show for it, and whoever took them feels they should produce something.

Thirty minutes leaves both sides free, which is what a good decision needs. If the conversation is worth continuing there is time for that, and when the reading is done first it usually is.

What happens to what you submit

What is collected. Your name, your email, your mobile number, your answers to the two questions on the form, and nothing beyond that.

Why. To arrange and confirm the conversation, largely by text, and nothing else unless you ticked the second consent box.

Who sees it. Canadian Wealth Creation Centre Inc. It is not sold, and it reaches an insurer only if you proceed with an application, at which point you would be told.

How long it is kept. As long as the purpose needs, and then it is deleted. If no meeting happens, that is a short period.

Your rights. You may ask what is held about you, ask for it to be corrected, and ask for it to be deleted. The person responsible for the protection of personal information is named in the privacy notice at the foot of this page.

Withdrawing. If you ticked the second box you can withdraw at any time, using the link in any message, without affecting the first.

The five steps, from the first conversation to the annual review

This is the process across the practice. None of the five carries a fee, every meeting is online, and you always know which step you are in.

1. The discovery meeting

Thirty minutes, online, no products. You describe your situation, what you are trying to protect or build, and what you have already tried. Questions are answered in plain language, and the reading you did is what makes that possible.

At the end you know where you stand. If it fits, you are told what the next step involves, and if it does not you are told that in the meeting rather than sent a proposal. Nothing is sold and no application is started.

2. Your Financial DNA

Between the meetings you complete your Financial DNA, the suitability record the industry calls a Know Your Client file: assets, liabilities, income, expenses, obligations, and what you want the money to do. It is the one task asked of you.

This is not a sales form. A licensed advisor cannot responsibly recommend an insurance product without establishing that it suits your circumstances, and that obligation is why the step exists. Suitability is a regulatory duty rather than a formality, so the questions are many rather than few.

What you provide is held under the privacy policy, Quebec's Law 25 and PIPEDA. You decide what you share, and a narrower picture produces a narrower recommendation.

3. The design meeting

More than one way forward, in plain language. Where a projection is shown, what the contract guarantees is separated from what it does not, because dividends are declared annually by the insurer and are never guaranteed.

You ask questions and take the time you need. Coordination with your accountant and your legal advisor happens here where the structure needs it.

If you would rather not proceed, that is a complete answer. Nothing is owed and nobody will chase you. You sign nothing you do not fully understand, and an unclear scenario is a failure to explain.

4. Application and underwriting

If you choose to go ahead, an application is prepared and submitted. From that point the decision belongs to the insurance company, not to this practice.

Underwriting usually involves health and lifestyle questions, and may involve a medical examination. Acceptance is not automatic. An application can be:

accepted as applied for
accepted with a rating, meaning a higher premium for the same coverage
accepted with an exclusion on a particular cause
postponed, pending treatment or test results
declined

A small number of guaranteed-issue products ask no health questions. They cost more for less coverage and usually limit early benefits: a last resort, not a shortcut.

You are told where the file stands at each stage, including when the news is not what you hoped. No outcome is promised here, by anyone. Anyone promising approval before underwriting is not telling the truth.

5. After the policy is in force

A policy is the beginning of the work rather than the end of it. It is reviewed with you annually, and the practice is available between reviews when something changes.

That includes how and when to use a policy loan, how repayment affects the death benefit while a loan is outstanding, what a change in the dividend scale means, and how the contract meets a home purchase, a business decision, a child's education or retirement income.

Coordination with your accountant and your legal advisor continues as your situation changes, because the tax and estate treatment is theirs to advise on rather than this practice's.

These strategies unfold over decades, and attending to them year by year is what determines whether a contract does what it was bought to do.

How the practice is paid, and the one thing it asks

No fee is charged for any of the five steps. Not the discovery meeting, not the Financial DNA, not the design meeting, not the application.

Payment comes from the insurance company, as a commission, and only if a policy is issued and put in force through Canadian Wealth Creation Centre Inc. and its duly certified representatives. Paid when you buy, not when you do not.

So there is one thing asked, and only one. If the work done together leads you to proceed, the hope is that you will place it here. That is the whole of the bargain, and it is stated in the open.

After the discovery meeting specifically

One of three things.

A second conversation. Where there is something worth designing, the next step is gathering the facts a design requires. That is the Financial DNA, and an illustration follows it.

A referral. Sometimes the useful next step is your accountant, or the registered account you have not used, or something outside what this practice does. That is said plainly, in the meeting.

A clear answer either way. If the concept does not belong in your situation you are told so and the matter ends there. Knowing that in half an hour is worth having.

No decision is asked for at the end of a first meeting, and there is no pressure in either direction. A commitment measured in decades is made well when it is made calmly, by a reader.

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.

Hold a licence? To place business, deal directly with Canadian Wealth Creation Centre Inc. This page is for households.

By submitting this form, you consent to Canadian Wealth Creation Centre Inc. using the information you provide to respond to your request and arrange your meeting, including by text message to the number you give. See our Privacy Policy.

This form reaches Canadian Wealth Creation Centre Inc. Any meeting, any advice and any insurance product is provided by Canadian Wealth Creation Centre Inc., through its representatives certified by the Autorité des marchés financiers. IBC Financial is the company's education platform: it distributes no product and no financial service, and it gives no individualised advice.

Important disclosure

It does not suit everyone. The strategies described may not be suitable for all individuals. Suitability depends on personal financial circumstances, cash flow, risk tolerance, time horizon and objectives that can only be assessed through individual consultation.
This does not fit everyone, and I would rather say so plainly than let you find out later. It depends on your cash flow, your time horizon and what you are actually trying to do. Some of the people who ask me about it should not do it, and I tell them that.
This is insurance, not an investment. Participating whole life insurance is an insurance product, not an investment. It is regulated as insurance under provincial insurance legislation. The primary purpose of life insurance is to provide a death benefit. Cash value growth and dividends are additional features that depend on policy design, premium payments, and the performance of the insurer's participating account.
This is an insurance product. Its first job is the death benefit. The cash value, the dividends, the access to capital, those are features of an insurance contract, and they are worth understanding. They do not turn the contract into an investment, and treating it as one leads people to judge it against the wrong yardstick.

Common questions

Who is this meeting for?

Households. Anyone with a question about how this works, whether or not they intend to arrange anything, and above all someone who has read the book sent to them and read this page. Thirty minutes, online, with no products and no illustration, spent on your own situation: the purpose, the cash flow, and what is already in place. It is not a meeting for licensed insurance professionals. If you are an advisor or a broker and you would like to place business, that work is handled by Canadian Wealth Creation Centre Inc. at cwcc.ca rather than here, and you will be looked after properly there.

What happens in the thirty minutes?

Three questions, asked in a fixed order, because the order matters. What is the money for, since a contract of this kind is designed at issue for a purpose and the design largely cannot be redone afterwards. Is the cash flow durable, meaning a normal year sustained with room to spare rather than a good year. And does the arrangement survive a shock: a disability, a critical illness, a job loss, a business interruption. The second question ends more conversations than the other two combined, which is exactly why it is asked early rather than after a design has been prepared and both sides feel invested in it.

Will I be shown an illustration?

Not at this stage, and the omission is deliberate. A document projecting values decades out, produced before anyone knows what the contract is for, answers a question nobody has asked, and in practice it becomes the conversation instead of informing it. If the discussion goes further, an illustration is prepared later with its assumptions stated and the date its figures were current, and with the guaranteed column shown separately from the part that is not. Being handed a projection in a first meeting is common in this field, and it is the point at which a reader stops evaluating an approach and starts reacting to a number.

Why is the meeting only thirty minutes?

Because that is long enough to answer the three questions and short enough that nobody feels committed by having spent an afternoon. Longer first meetings build a sense of obligation on both sides: the person who has given two hours feels they should have something to show for it, and the person who has taken two hours feels they should produce something. Neither pressure improves a decision measured in decades. If the conversation is worth continuing there is time for that later, and if it is not, half an hour is what it cost to find out. No decision is asked for at the end.

What happens before the meeting, and how do I know if this is for me?

Before a meeting is arranged the book is sent to you free of charge, a fifty dollar value, and this page is the other half of the reading. The half hour then starts where the reading ends, which is exactly why half an hour is enough. The conversation also runs the other way from what most people expect: the questions come from this side. Are you working. Do you live in Canada as a citizen or a permanent resident. Do you understand the concept rather than the product, because the concept is what the whole strategy rests on. And are you ready to be coached and to hold to it, because this rewards discipline over years rather than a decision made in an afternoon. Arrive having read, and you will know inside ten minutes whether this is for you.

Do I need to prepare anything?

Yes, and it is reading rather than paperwork. The book is sent to you free of charge, a fifty dollar value, and this page is the other half of the preparation. Come having read both. No statements are needed, no budget, no medical information, and nothing about your income or your assets at this stage. What makes the half hour work is that you arrive already holding the idea, so the time goes on your own situation and your own questions rather than on ground the book has already covered. The people who read first get the most out of the conversation, and they can tell quickly whether they want the next one.

What does the form collect, and why?

Your name, your email, your mobile number, whether you are a Canadian citizen or permanent resident, whether you hold an insurance licence, and anything you write in the message field. The mobile number is required, because meetings are arranged and confirmed by text message and that is the fastest way to reach you. Residency is asked because contracts of this kind are available to residents of Canada, and because advice is given only in the provinces the licensing covers. The licence question routes the conversation to the right version of it. There is no question about your income, your assets or your health, because none of that decides whether a first conversation is worth having.

Will I be added to a mailing list?

Only if you choose it, and you can stop it whenever you like. There are two separate agreements and never one tick for both: arranging a meeting is one, and receiving the educational material afterwards is the other. Most people take the material, because that is where the concept gets explained properly and at your own pace: the book, the mechanics worked through, and the questions other households have asked. Every message carries a one click unsubscribe, it takes effect immediately, and stopping it changes nothing about a meeting already arranged. Nothing is ever sold, rented or passed to anyone outside Canadian Wealth Creation Centre Inc.

What happens after the meeting?

The work runs in five steps, and you always know which one you are in. One, the discovery meeting: thirty minutes, online, no products, where you describe your situation and get answers in plain language. If it does not fit you are told so in that meeting rather than sent a proposal. Two, your Financial DNA, the one piece of work asked of you: the suitability record a licensed advisor must complete before recommending anything. It is not a sales form, and you decide what you share. Three, the design meeting: more than one route, walked through in plain language, with what the contract guarantees shown separately from what it does not. Deciding not to proceed is a complete answer. Four, application and underwriting, where the insurer decides and not the advisor: an application can be accepted, rated, excluded, postponed or declined, and nobody can promise approval before underwriting. Five, after the policy is in force: reviewed with you every year and available between reviews, for a policy loan, a repayment, a change in the participation scale, a house, a business, a child's education.

I already own a policy. Can I bring it to the meeting?

Bring it, and bring the most recent annual statement rather than the original illustration. What will not happen in a first meeting is an opinion on it. An opinion on a contract you already own requires the know your client work and the Financial DNA, which is step two, because a view offered without the suitability record behind it is worth nothing and no licensed advisor should give one. The first half hour is about whether the concept fits you at all. Once that record is complete, the existing contract is read properly against what it was bought to do, including the current values, the option in force and any outstanding loan.