The Team



David Emanual

Corporate Health Plan Concierge


Always thinking beyond a merely traditional approach, David's enthusiasm for the business is perfect for finding unique, creative ways to insure clients' current and long-term needs. Early in his 20-year insurance career, he recognized a disconnect between client needs and existing health insurance products. In order to provide solutions that are truly meaningful for clients, he began by understanding what matters to individuals, then finding products that fit the client, rather than trying to make the client fit the product.

Today David's customer-focused approach continues to benefit his clients, both corporate and individual. By proactively researching the market for relevant products, he makes sure his clients' Quality of Life is insured with the most beneficial solutions currently available. From programs to help people stay healthy, to covering medical expenses when they aren't, the goal is ensuring clients and their families are as secure from financial hardship as possible.

David's great strength is with health insurance and corporate benefit plans for employees and executives. He works directly with Human Resources, individual business owners, and members of the executive team, to tailor each company's Quality of Life™ program to the needs of its staff, whether they are a younger, more active demographic, or a more mature employee group working hard to tuck away a family nest egg.

David is active in his community, offering his time and experience to several organizations on a volunteer basis. A dad of four, he is always busy with family and community activities.




Rick Lam

Individual Health & Wealth Plan Concierge


After earning his Chartered Accounting designation in 1988, Rick transitioned into insurance. A life-long learner, by the millennium Rick had gathered several certifications, including Certified Financial Planner and various financial planning and consulting designations. Looking for someone who knows personal finance inside and out? You've found him.

Rick offers his extensive experience to individuals, for the most part. He works closely with each client, finding the perfect combination of insurance and financial products to keep them and their family healthy and protected.

Rick specializes in planning for life changes, especially for the exciting shift into retirement. Whether his clients need reassurance their nest egg won't run out early or want to make sure unexpected medical expenses won't disrupt their financial plans, Rick dives in head first to find the best solutions. It's always been important to Rick to know his work can make all the difference in his client's current and future financial security.

Away from the office, Rick dedicates his expertise and time to many organizations, including the Vancouver Chinatown Revitalization Committee, the Shon Yee Benevolent Association, the Institute of Chartered Accountants of BC, and various other educational and business groups. He also dedicates time to his family, jogging, and swimming – but not (not) golf.