From the HLVC Claims Floor

Case Study

We work claims and renewals every day. This is a selected file — anonymized where required — that shows what the Policy Value(AI)™ does to a group plan. Same coverage, engineered lower.

Same coverage, ~15% lower cost — a Broker-of-Record win.

A Greater Toronto Area, Ontario managed IT and cybersecurity firm with approximately 10 employees and 7 enrolled on the group plan. HLVC matched the coverage exactly to their existing benefits handbook, marketed it, and won Broker of Record in July 2026.

Total Savings

$5,423

Locked in over the 17-month proposal term.

Monthly Savings

~$319/mo

Off the all-in monthly premium, every month.

Cost Reduction

~15%

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

Before · Incumbent Plan

~$2,530/mo

The existing plan before the Broker-of-Record engagement.

After · HLVC-Engineered Plan

~$2,211.49/mo

Same coverage, plus virtual healthcare / medical referral added.

~15% lower · $319/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: ~15% discount, $5,423 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.

Every Engineered Health Valuation™ is free, no-commitment, and built from your own group plan — the value it finds is already yours.

647-459-1243

Entries are anonymized where required. Figures shown are specific to each engagement and are not a guarantee of future results. "Up to 15%" reflects potential savings versus a standard cold-quoted group plan and depends on group size, demographics, claims experience and underwriting. Outcomes depend on individual policy terms, plan data, and carrier discretion. HLVC does not provide legal advice.

Case Study

Managed IT & Cybersecurity Firm

Same coverage, ~15% lower cost — a Broker-of-Record win.

Your file could be the next one in the book.