HLVC Consulting

Health. Life. Value.

Our cutting-edge AI and 10 years of industry experience — making Canada's insurers compete for your group benefits plan.

Almost 10 years at Manulife in complex disability claims management — built into the Policy Value(AI)™. It knows how insurers price your group benefits plan, and it makes them compete. Every result reviewed by a licensed LLQP advisor.

Our Practice Areas

I.

Run the Policy Value(AI)™

Upload your group benefits policy. The AI reads it, markets it across Canada, and a licensed advisor confirms in 48 hours.

Upload your policy
II.

Run Your Engineered Health Valuation™

A complimentary review of your company's group benefits insurance — health plan, premiums, and own-occupation coverage.

Request group benefits valuation
III.

New to Benefits?

See where every health dollar really goes — and how much you earn just to fund the plan.

Start here

Methodology

How the
Engine Works

01

Reads your group benefits plan

The way the insurer reads it.

02

Scans all of Canada

Compares every insurer's pricing.

03

Makes carriers compete

Same coverage, lower price.

AI analysis, human-reviewed — every group benefits valuation is confirmed by a licensed LLQP advisor.

HLVC
HLVC

Engineered Health. How Canadian employers de-risk their workforce.

Harikaran Loganathan, B.H.Sc. (Kin), CSEP-CPT #26660, LLQP #766552

647-459-1243

Office

  • Toronto, Ontario
    Canada
  • LinkedIn
  • hlvalueconsulting.ca
    hlvalueconsulting.com

DISCLAIMER · Exclusions apply. The 15% premium reduction is typical and applies to core benefits including dental and life insurance. The 15% discount is offered at the sole and complete discretion of HLVC Consulting and Alliance Income Solutions. Individual results vary based on plan structure, claims history, carrier, and underwriting. No outcome is guaranteed; figures shown are illustrative and based on representative engagements.

© 2026 Health Life Value Consulting (HLVC). All rights reserved.

PrivacyAccessibility (AODA)LLQP #766552 · CSEP-CPT #26660

© 2026 HEALTH LIFE VALUE CONSULTING · All content, copy, methodology, valuation models, brand marks, and visual design on this site are the intellectual property of Health Life Value Consulting (HLVC) and are protected under Canadian and international copyright law. Unauthorized reproduction, redistribution, or derivative use — in whole or in part — is strictly prohibited without prior written consent. "HLVC", "Engineered Health", and the HLVC monogram are trademarks of Health Life Value Consulting.

Insurance Inducement Disclosure

The HLVC-sponsored Pro Bono conditioning month, the optional $150 legacy rate, the WSA / CRA tax-alignment architecture, and the other wellness, valuation, and advisory services described here are value-added professional services of the brokerage that carry independent, standalone value and are sponsored entirely by HLVC at its own expense. HLVC is compensated solely by carrier commission as Broker of Record — at no fee to the client corporation. These programs are not funded by, drawn from, or a rebate of any client's insurance premium, and they do not reduce, rebate, or vary the premium, terms, or benefits of any insurance policy.

Appointing Harikaran Loganathan (LLQP #766552) as Broker of Record transfers the servicing of a group benefits plan to HLVC; it is not the purchase, sale, replacement, or switching of an insurance contract or carrier. These services are not offered as an inducement to buy, replace, renew, or maintain any insurance product within the meaning of the insurance legislation of the applicable Canadian province (including, in Ontario, the Insurance Act and FSRA's Unfair or Deceptive Acts or Practices rule). Nothing here is insurance advice, a recommendation to buy or replace coverage, or a binding offer of insurance; all insurance-licensed (LLQP) activity is conducted under, and subject to, the requirements of FSRA and the applicable provincial insurance regulators of Canada.

HLVC is compensated by carrier commission as Broker of Record — no fee to the client corporation. The first month of occupational conditioning is sponsored entirely by HLVC for your entire workforce. Tax shield illustrations require corporate tax counsel confirmation and proper WSA structuring. Figures shown are illustrative and based on stated assumptions. HLVC: LLQP #766552 · CSEP-CPT #26660 · B.H.Sc. (Kin) · Ontario-licensed Life & A&H insurance brokerage · Fully insured CGL.