Referral Partners

For advisors, associations and event organizers who talk to business owners every week.

  • You meet the owner first.
  • We give their business something for free.
01
WHAT YOUR INTRODUCTION GETS THEM

What your introduction gets them

A free benefits valuation

No obligation to move broker.

A plain-English read of their current plan

A named licensed advisor

Not a call centre.

02
HOW IT WORKS

How it works

  1. STEP 01

    Book a partnership call

    Discuss the introduction with Hari. The business owner must agree before HLVC contacts them.

  2. STEP 02

    Hari contacts them

    Within two business days.

  3. STEP 03

    We tell you when the valuation is done

    Never the details of their plan.

03
WHAT WE SEND BACK

When our clients need what you do, you are the first introduction we make.

04 · THE LINE WE KEEP

Licensed insurance or investment advisors refer as partners and are not listed as services in the Partner Network.

05
BOOK A CALL

Introduce a business, or join as a partner

Book a conversation with Hari to discuss an introduction. The business owner must agree to be contacted by HLVC before an introduction is made.

Book a partnership call to introduce a business

Booking a conversation is not Member Network enrollment or email-marketing consent. Never share a patient's name.

You never hand us a patient's name.

Insurance services through HLVC | Insurance & Benefits Advisory are provided by Harikaran Loganathan, an Ontario Life Insurance Agent (FSRA Licence #26250965). 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.

HLVC — Health Life Value Consulting
89 McGill St, Toronto, ON M5B 0B1, Canada
+1-647-459-1243 · info@hlvalueconsulting.ca

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

© 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.

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.

HLVC | Insurance & Benefits Advisory. Insurance services are provided by Harikaran Loganathan, an Ontario Life Insurance Agent (FSRA Licence #26250965), 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. Personal credentials: CSEP-CPT #26660 · B.H.Sc. (Kin). Fully insured CGL.