Policy Value(AI)™
5+ years at Manulife in complex disability claims management — built into an AI. It knows exactly how insurers price your group benefits plan. Now it works for you.
The engine does the analysis. A licensed LLQP advisor reviews every group benefits valuation before it reaches you.
No obligation · No cost to review · Same coverage, engineered lower
Five Stages. One Engine.
The Policy Value(AI)™ does the analysis — a licensed advisor signs off before anything reaches you.
Book a policy review. Document collection is arranged during your call.
The engine reads your group benefits plan the way the insurer reads it internally.
It compares pricing from every insurer in Canada.
It shows where you're overpaying — same coverage, lower price.
A licensed LLQP advisor responds within 48 hours, seven days a week. Terms and conditions apply.
Phones two or three carriers, collects the quotes, and reads you back the numbers. The market never truly competes for your plan.
Runs your group benefits plan through an AI engine that puts the entire Canadian market to work for you — then a licensed insider confirms the result.
The Policy Value(AI)™ is decision-support, not a decision-maker. Every group benefits valuation is reviewed and signed by a licensed LLQP advisor. This page does not collect documents online; document collection is arranged during your call.
Four Steps. One Engineered Outcome.
One booked policy review puts the whole Canadian market to work for you — instead of the two or three quotes a typical broker collects.
The Policy Value(AI)™ reads your plan.
Built from 5+ years in disability management — analyzing the entire system top to bottom — our founder poured that experience, plus his legal and kinesiology knowledge, into the Policy Value(AI)™. It reads your coverage and shows exactly where you're overpaying and what your people actually need.
We market it to all of Canada.
The system quotes your plan across every insurer in the country, anchored by our special relationships with not-for-profit carriers like GreenShield — coverage built for your people, not shareholders.
We make the for-profits compete.
We put that not-for-profit quote head-to-head against the big carriers and force them to sharpen their pencils. Proven result: up to 15% off for groups of 10 to 200 — same coverage.
We stay with your coverage.
Contract — your single point of contact for every insurance-related question about the plan, from day one.Clinical — once the policy is in force, we draw on 5+ years of Manulife claims experience and health education to guide your people through claims with clinical-context support and help with any insurance question.
*Savings of up to 15% apply to core benefits (e.g. life, dental), based on placed group plans of 10–200 employees; results vary by group.
Book Your Current Policy Review
Let the Policy Value(AI)™ show you what's hiding in your plan. It costs nothing to look.
Book a group benefits policy review. A licensed advisor responds within 48 hours, seven days a week. Terms and conditions apply.
Start with a call to discuss your current policy, renewal, or premium statements. Document collection is arranged during the call. A licensed LLQP advisor responds within 48 hours, seven days a week. Terms and conditions apply.
Questions before booking? Email info@hlvalueconsulting.ca .
Book your policy review
Book a call with HLVC to discuss your broker-of-record review. Document collection is arranged during the call.
Start My Insider Read
Bring your renewal or latest premium statement — we'll run your numbers live and show you what the same coverage should cost.
The Policy Value(AI)™ is a proprietary methodology of Health Life Value Consulting. Savings of up to 15% are based on placed group plans of 10–200 employees; results vary by group, carrier, and coverage. This page is informational and is not an offer of insurance or financial advice. Carrier names are referenced for illustrative purposes only.
Does booking a review change my current broker?+
No. A booked review is a second opinion — your existing broker stays in place unless you decide otherwise.
Who reviews my policy?+
The Policy Value(AI)™ engine supports the analysis, and every output is reviewed and signed by a licensed LLQP advisor with carrier-side disability experience. The AI never makes the decision.
Does this page collect documents?+
No. This page directs you to book a policy review through Calendly. Document collection, if needed, is arranged during the call.
What does it cost?+
The initial group benefits valuation is provided at no cost and with no obligation.