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Health Life Value Consulting | The 2026 Engineered Health Valuation™

The 2026 Engineered Health Valuation™ Profile Registry

CSEP-certified conditioning programs that help mid-market Ontario employers de-risk their workforce — and the disability claims and premium costs that workforce health drives.

Powered by Health Life Value Consulting (HLVC)'s Engineered Health Valuation™ (EHV) methodology.

Standard Pricing
$75
per employee, per month
Minimum term: none — month to month
Minimum group size: none
Billed monthly
Program Includes
  • •initial workforce assessment
  • •ongoing micro-sessions
  • •periodic employer reporting
Sponsorship Disclosure

Microtraining is a program operated by Health Life Value Consulting (HLVC), available to any employer at the standard pricing shown, month to month, with no minimum group size. For the workforces it serves as appointed advisor of record, Health Life Value Consulting (HLVC) sponsors enrollment at its own expense, funded from its own compensation. Sponsorship is not funded by, drawn from, or added to any insurance premium, and does not change the terms, cost or coverage of any policy. Sponsorship applies to workforces where Health Life Value Consulting (HLVC) is the appointed advisor.

Standard Cost Calculator
Standard Monthly Invoiced Cost
$7,500

Calculated at the standard rate of $75 per employee, per month.

Two Operating Models

Passive Administration vs. Forensic Risk Engineering

The Commodity Broker
Passive Administration
Unmanaged workforce health risk left to accumulate on the balance sheet
Rubber-stamped carrier premium mark-ups
Compounding experience-rated premium drag
Health Life Value Consulting (HLVC)
Forensic Risk Engineering
CSEP-certified occupational conditioning deployment
Forensic contract optimization targeting carrier over-reserves
A premium structure engineered for predictability — designed to lower costs with 100% coverage boundaries preserved

Premium-reduction figures are targets applied at Health Life Value Consulting (HLVC)'s sole discretion. Actual outcomes depend on policy terms, medical evidence, and carrier adjudication, and are not guaranteed. Health Life Value Consulting (HLVC) is compensated by carrier commission as Broker of Record — no fee to the client corporation.

Registry Intake

Initialize Your Company EHV™ Profile & Access Codes

Intake for the 2026 Engineered Health Valuation™ profile. A verified corporate email is required.

By submitting, you authorize Health Life Value Consulting (HLVC) to review your corporate profile for the Engineered Health Initiative. Standard Microtraining pricing and sponsorship terms are shown above; any projected premium reductions are applied at Health Life Value Consulting (HLVC)'s sole discretion and are not guaranteed.

"What's the Catch?" — None.

Transparent Fiduciary Assurance

01

Licensed Ontario Advisor Review

Reviewed by a licensed Ontario insurance advisor with experience reading plan contract wording and discussing coverage questions.

02

0% Premium Disruption

Your coverage boundaries remain completely untouched. We lower insurance costs by neutralizing claims at the biological source — not by stripping your plan benefits.

Health Life Value Consulting (HLVC) Main Site LinkedIn

© 2026 Health Life Value Consulting (HLVC). All Rights Reserved. Toronto Office Regional Block.

Insurance Inducement Disclosure

Any non-insurance service described on this site is offered on its own stated terms. No such service is funded by, drawn from, added to, or provided as a rebate of any client's insurance premium. These services do not reduce, rebate, or vary the premium, terms, cost, coverage, or benefits of any insurance policy.

Insurance services described here are provided through Harikaran Loganathan personally, a FSRA-licensed Ontario Life Insurance Agent (FSRA Licence #26250965). Appointing Harikaran Loganathan as Broker of Record transfers the servicing of a group benefits plan to him personally through HLVC | Insurance & Benefits Advisory; 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 activity is performed by Harikaran Loganathan personally as an Ontario Life Insurance Agent, under and subject to the requirements of FSRA and the applicable provincial insurance regulators of Canada.