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WaveEvolve

Phuket Insurance Services

+66 74 210 130

Insurance That Actually Makes Sense

We help Thai families and businesses find the right coverage without the confusion

Been through too many insurance meetings that left you more confused than when you started? We get it. That's exactly why we started WaveEvolve – to cut through the industry jargon and help you understand what you really need.

Let's Talk About Your Needs
Professional insurance consultation meeting with documents and analysis

How We Built Something Different

Every decision we made came from watching too many people get lost in insurance complexity

2019

Started With a Simple Question

Why does buying insurance have to feel like solving a puzzle? After years in traditional insurance sales, we decided there had to be a better way. We started small in Phuket, focusing on one thing: actually listening to what people needed instead of pushing what we wanted to sell.

Early team meeting discussing client needs and insurance solutions
2021

Learned Some Hard Lessons

Turns out, changing how insurance works isn't easy. We made mistakes – recommended policies that were technically correct but didn't fit real life situations. Each mistake taught us something new about what people actually deal with day to day. We started developing our analysis process based on real stories, not theoretical scenarios.

2023

Found Our Rhythm

Something clicked when we stopped trying to be everything to everyone. We got really good at three things: understanding what you're trying to protect, explaining options in plain language, and helping you make decisions that make sense for your situation. Word started spreading naturally.

Team reviewing successful client cases and policy outcomes
2025

Building for the Long Term

This year we're expanding our team and refining our process based on everything we've learned. We're not trying to be the biggest insurance service in Thailand – we're trying to be the one that actually makes insurance simple and useful for the people who trust us with their families and businesses.

Real Cases, Real Results

Here's what happens when we take the time to understand your actual situation instead of rushing to sell you something

The Restaurant Owner Who Almost Over-Insured

Somchai came to us after another agent recommended 800,000 baht in annual premiums for his small restaurant. Something felt wrong. We spent two hours walking through his actual risks and daily operations.

  • Found redundant coverage worth 240,000 baht annually
  • Identified gaps in food safety liability protection
  • Created coverage that actually matched his business model
  • Saved money while improving protection where it mattered

The Family With Three Different Agents

Niran and his wife had policies from three different companies that barely talked to each other. When their daughter needed medical care, they discovered overlaps and gaps they never knew existed.

  • Consolidated coverage eliminated duplicate premiums
  • Improved claims coordination between providers
  • Added critical illness coverage they were missing
  • Created one point of contact for all insurance questions

Four Areas Where We Actually Know What We're Doing

Instead of claiming to be experts at everything, we focus on these specific areas where we've built real depth

Personal & Family Protection

Life changes fast. Your insurance should keep up without breaking your budget or leaving gaps when you need coverage most.

  • Life insurance that grows with your responsibilities
  • Health coverage that works with Thailand's medical system
  • Income protection for unexpected situations

Small Business Coverage

Running a business in Thailand comes with unique risks. We help you protect what you've built without paying for coverage you don't need.

  • Property protection for equipment and inventory
  • Liability coverage for customer interactions
  • Business interruption planning

Life Stage Transitions

Getting married, having kids, buying a house, starting a business – these moments change your insurance needs completely.

  • Coverage adjustments for major life changes
  • Family protection planning
  • Estate and inheritance considerations

Property & Asset Protection

Whether it's your home, car, or business assets, we help you understand what's actually at risk and how to protect it affordably.

  • Home insurance beyond basic fire coverage
  • Vehicle protection for daily drivers and business use
  • Valuable asset coverage planning

Meet the People Behind the Analysis

We're not a huge company, and that's intentional. When you work with WaveEvolve, you get to know the actual people handling your coverage. No call centers, no getting passed around – just real conversations with people who remember your situation.

Learn More About Our Approach
Kittipong Chandler, Senior Insurance Analyst

Kittipong Chandler

Senior Insurance Analyst

Siriporn Nakamura, Client Relations Specialist

Siriporn Nakamura

Client Relations Specialist