Health Life Value Consulting (HLVC)

Partnerships

Health Life Value Consulting (HLVC) builds partnerships where the value moves first. Every one of them starts with something we give away, and none of them asks you for a patient's name.

There is no fee in either direction. You never hand us a patient's name.

Health Life Value Consulting is an LLQP-licensed Ontario insurance brokerage. The Insider Read is a free, no-obligation review and is not an offer of insurance. "Up to 50%" and "doubles" are best cases built on spousal coordination and unused spending accounts, not a promise. Claim outcomes depend on policy wording, medical evidence and carrier discretion. Your employer is not contacted without your written consent.

Health Life Value Consulting (HLVC)
Health Life Value Consulting (HLVC)

The Insider Read — built on half a decade plus inside Canada’s largest insurer.

Benefits partnerships for independent clinics across Ontario.

Harikaran Loganathan, B.H.Sc. (Kin), CSEP-CPT #26660, LLQP #26250965

647-459-1243

Office

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

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

PrivacyAccessibility (AODA)LLQP #26250965 · CSEP-CPT #26660

© 2026 HEALTH LIFE VALUE CONSULTING · All content, copy, methodology, 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. "Health Life Value Consulting (HLVC)" and the Health Life Value Consulting (HLVC) monogram are trademarks of Health Life Value Consulting.

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.

Appointing Harikaran Loganathan (LLQP #26250965) as Broker of Record transfers the servicing of a group benefits plan to Health Life Value Consulting (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.

Health is a human right. We take the not-for-profit carriers to market first.

Health Life Value Consulting (HLVC) is compensated by carrier commission as Broker of Record — no fee to the client corporation. Any tax discussion is illustrative only; confirm both corporate deductibility and possible employee taxable-benefit treatment with your accountant. Figures shown are illustrative and based on stated assumptions. Health Life Value Consulting (HLVC): LLQP #26250965 · CSEP-CPT #26660 · B.H.Sc. (Kin) · Ontario-licensed Life & A&H insurance brokerage · Fully insured CGL.