Every small Canadian business, insured.So every team — and their families — has access to the healthcare they need.
We help small Canadian businesses get their people's health and wellness insured. Our cutting-edge AI — built with the highest respect for privacy — brings not-for-profit insurer quotes to the table to compete against for-profit carriers — competition designed to drive premiums down for the same coverage.
Health is a human right.
Prevention is the best action.
A person who stays healthy lives the best quality of life. And the same prevention that protects a life costs the insurer the least in the long run. When a small business builds coverage around keeping its people well — and not-for-profit insurers compete for the plan — everyone at the table wins.
The Best Quality of Life
Prevention keeps people out of the claim queue entirely — living well, working well, and covered for the moments that matter.
Lower Premiums, Same Coverage
When not-for-profit quotes compete against for-profit carriers, that competition can bring the price of the same coverage down — savings a small business feels on the balance sheet every month.
The Lowest Long-Run Cost
A prevented claim is the least expensive claim there is. Prevention-first plans cost the insurer the least over the life of the policy.
Three foundations. One mission.
The technology, the experience, and the competition that together make health and wellness coverage affordable for every small Canadian business.
Cutting-Edge AI, Privacy First
The Policy Value(AI)™ puts the entire Canadian market to work on every small-business plan — with the highest respect for privacy. Your data is encrypted, never sold, never used to train models for third parties, and deletable on request. Every result is reviewed by a licensed advisor.
5+ Years Inside the Largest Insurer
5+ years at Manulife in complex disability claims management — thousands of disability claims seen across the carrier's system, with 2,900+ personally case-managed. The engine knows how insurers price and adjudicate risk because its training came from inside.
Not-for-Profit Competition
We bring quotes from not-for-profit insurers to the table beside the for-profit incumbents — because health is a human right, not a margin. When a plan doesn't have to fund shareholder profit, the same coverage can cost a small business less.
Coverage is access.
Access is everything.
Being insured isn't paperwork — it's whether the people on a small team get the therapy, the medication, the mental-health support, and the recovery they need, when they need it. Our goal is to put not-for-profit quotes in competition with for-profit carriers so that every small Canadian business can afford to insure its people — competition designed to drive premiums down for the same coverage, so every team and their families have access to the healthcare that's right for them.Actual premiums and savings vary by plan design, underwriting, group profile, and insurer terms.
“I spent 5+ years inside the carrier engine. The lesson wasn't that insurance is broken — it's that small businesses were never given real competition for their plans. Put a not-for-profit quote on the table, and the price of the same coverage can come down. The technology finally exists to do that for every small business, without ever compromising anyone's privacy.”
The mission doesn't stop at the policy.
If health is a human right, it can't end at the businesses that already have a plan. HLVC invests back into the small-business communities we serve — because getting every team insured starts with meeting owners where they are.
Prevention in the Community
Health education and prevention-first guidance brought directly to small workplaces and community groups — the habits that keep teams well long before a claim exists.
Meeting Owners Where They Are
Plain-language help understanding coverage, benefits, and options — for the owners, families, and newcomers running small businesses who have never had an advisor in their corner.
No Team Left Uninsured
Every engagement is reviewed with one question: does this move Canada closer to every small business being covered? Pro-bono valuations mean cost is never the barrier to finding out where you stand.
In their words — coming soon.
The voices of the small-business owners and teams we serve will be filed here as our community care work grows. We'd rather show you real stories than write them for ourselves.
PendingThe mind that trained the machine.
5+ years of carrier-side enterprise adjudication at Manulife in complex disability claims management — active CSEP-CPT functional return-to-work clinical practice, and a B.H.Sc. (Kin) clinical foundation — independent practice via Alliance Income Solutions.
HLVC works to help employers understand cost drivers and prioritize risk-reduction opportunities. Any claims outcome depends on policy terms, medical evidence, and carrier discretion, and is not guaranteed.
Start with your business's plan.
Activate your pro-bono $5,000 strategic group benefits valuation — your AI-driven valuation, generated by the Policy Value(AI)™ and reviewed by a licensed advisor. No broker change. No commitment. Just a forensic read of your business's plan — and where a competing not-for-profit quote is designed to bring premiums down.
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