For Businesses With An Existing Group Benefits Plan
Save Up To
On Group Benefits — Same Coverage
It's just a quote — it does not affect your current plan or broker.
*Up to 15% applies to core benefits (e.g. life, dental). Results vary by group and underwriting.
Our Health Insurance Strategy — 4 Simple Steps
Health-Check. Leverage. Value. Coverage.
It's H·L·V·C.
The C is your Coverage — the contract and the clinical support behind it.
The Policy Value(AI)™ reads your group benefits 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 group benefits 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 — the HLVC Claims Desk. Once the plan is in force, every one of your employees gets a licensed advisor with carrier-side adjudication experience to call before they file a claim. Included in the Broker of Record engagement.
*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.
"A broker phones two carriers and reads you back the numbers. HLVC runs your group benefits plan through the Policy Value(AI)™ — an AI that markets you to every insurer in Canada and makes the for-profits compete for your business. It's not a person making calls. It's a system that wins."
A 30-minute group benefits insurance valuation with our founder. No cost, no obligation.
5+ years inside Manulife's complex disability department — we know exactly how renewals are priced, padded, and negotiated. That experience is the training data behind the Policy Value(AI)™, our proprietary AI engine.
We take the carrier's post-renewal number and target a reduction of up to 15% on core lines — while aiming to keep every benefit your people already rely on, line for line.
What 15% looks like for a 20-person group.
Illustrative example only. Your premium and savings depend on your carrier's renewal, plan design, and underwriting.
AI does the analysis at scale. A human makes the call.
Ingests your benefits documents and reads them against the same adjudication logic and reserve math carriers use.
Scans pricing across every insurer in Canada — anchored by not-for-profit carriers.
Models where you're overpaying — same coverage, engineered lower.
A licensed LLQP advisor reviews every output before it reaches you.
Conditions: The "up to 15%" target applies to core benefit premium lines (LTD, STD, Life, AD&D, Health, Dental, EAP) and is illustrative — not a guaranteed quote. Final pricing, eligibility, and coverage are subject to carrier underwriting, claims experience, group demographics, plan-design choices, and province of registration. HLVC Consulting is an LLQP-licensed insurance brokerage; nothing on this page constitutes a binding offer of insurance.
New To Group Benefits? Start Here
The Hidden Health-Spend Tax
You're already paying for healthcare.
You're just paying the expensive way.
If you own a corporation and pay for dental, glasses or physiotherapy out of your own pocket, you are buying that care with after-tax dollars. A Health Spending Account routes the same care through the company instead — and on our working assumptions, that is roughly fifteen cents back on every health dollar, every year. We have set out the full comparison, the assumptions behind it, and the three levers that move the number.
Read the full explainerCase Study — The HSA Strategy
Three owners. One corporation.
Every eligible health dollar re-routed.
A three-owner Ontario corporation was paying for glasses, dental, physio, and prescriptions the expensive way — personally, with after-tax income. Here's what happened when the same spend was routed through the company with a Health Spending Account (a CRA-recognized Private Health Services Plan). This is exactly the kind of structural inefficiency the Policy Value(AI)™ is built to flag.
Salary it out, owner pays ~30% personal tax, then buys the care with what's left.
Corporation reimburses the claim tax-free through the HSA — fee and Ontario health taxes included.
"Cost" = pre-tax corporate dollars needed to put $1 of care in the owner's hands. Both routes are deductible to the corporation, so the ranking holds after tax.
Personal route → HSA route → what stays in the company
Roughly 15% of every health dollar — back, every year.
Net effect: roughly $3,200/yr saved at the low end and $6,400/yr at the high end — and every dollar reaches the owners tax-free instead of as taxable income.
Three dials that make the numbers move even further.
At a 43% marginal rate (vs. the conservative 30% modeled), the $10,000-each combined savings rises to roughly $16,500 a year. The highest-earning partner benefits most.
The case is modeled at a 10% admin fee. Negotiating down toward 5% widens every result on this page.
Glasses and eye exams, dental, physio, and prescriptions all qualify under the CRA medical expense list — the more eligible spend routed through, the bigger the gap.
Illustrative case figures, rounded — not filed tax advice. An owner-manager Health Spending Account must be a legitimate Private Health Services Plan (PHSP) and reasonable in relation to employment — confirm the structure with your accountant. Ontario claim and fee taxes included in all HSA figures above. The value is the pre-tax / tax-free mechanics, not the fee.
Group Benefits FAQ
Common questions about group benefits savings
Common questions about group benefits savings, what a quote does to your existing plan, and how the pricing analysis works — answered in full in The Helping Hand.
Read the FAQ