Case Study

A selected file from the Health Life Value Consulting (HLVC) claims floor — anonymized where required — that shows what the Policy Value(AI)™ does to a group plan.

Same coverage.
Past results.
Licensed review.

These files are context for past work; the Insider Read is the starting offer for your own plan, grounded in a licensed advisor's review of plan wording and renewal terms. The insurer-side perspective informs the review without changing the case facts here. Learn about the Insider Read.

Same coverage, ~12.6% lower cost — a Broker-of-Record win.

A 10-person managed IT and cybersecurity firm in the Greater Toronto Area, Ontario, with 7 enrolled on the group plan. Health Life Value Consulting (HLVC) matched the coverage exactly to their existing benefits handbook, marketed it, and won Broker of Record in July 2026.

Total Savings

~$5,414.67

Calculated over the 17-month proposal term.

Monthly Savings

~$318.51/mo

Calculated reduction in the all-in monthly premium.

Cost Reduction

~12.6%

Same coverage, matched line-for-line to the handbook.

Before · Incumbent Plan

~$2,530/mo

The existing plan before the Broker-of-Record engagement, for 7 enrolled employees.

After · Health Life Value Consulting (HLVC)-Engineered Plan

~$2,211.49/mo

Same coverage, plus virtual healthcare / medical referral added.

~12.6% lower · ~$318.51/mo back

Coverage matched — nothing cut.

The savings did not come from trimming benefits. Coverage was matched exactly to the client's existing benefits handbook before a single quote went out — and the switch carried zero cancellation penalty, landing within six months of renewal. A licensed Group Benefit Advisor partnered on advisory and enrollment.

Case Timeline

Jun 2026
Met the client's Chief of Staff & Finance at an industry trade show.
Early Jul 2026
Request-to-Quote finalized — coverage matched to the current benefits handbook.
Mid Jul 2026
Carrier proposal returned. For 7 enrolled: ~12.6% reduction, approximately $5,414.67 in savings over 17 months.
Mid Jul 2026
Broker of Record won.
Late Jul 2026
Group enrollment — application and termination letter delivered.
Jul 31, 2026
Incumbent plan terminated.
Aug 1, 2026
New plan effective (Sept 1 fallback if required).

Anonymized where required · New files added as they close

Your file could be the next one in the book.

a no-cost group benefits review, no obligation

Entries are anonymized where required. Figures shown are specific to each engagement and are not a guarantee of future results. Outcomes depend on group size, demographics, claims experience, individual policy terms, plan data, and carrier discretion. Health Life Value Consulting (HLVC) does not provide legal advice.

Case Study

Managed IT & Cybersecurity Firm

Same coverage, ~12.6% lower cost — a Broker-of-Record win.

Your file could be the next one in the book.