Built on Trust, Driven by Results
Six years of helping Thai families and businesses navigate insurance decisions with clarity and confidence
How We Started
Back in 2019, I noticed something troubling. Friends and family kept getting stuck with insurance policies that didn't match their actual needs. They'd spend hours comparing options online, only to end up more confused than when they started.
That's when WaveEvolve began — not as a grand business plan, but as a response to real frustration. We started by simply sitting down with people, listening to their concerns, and helping them understand what coverage actually made sense for their situation.
What surprised us wasn't just how grateful clients became, but how much insurance providers appreciated working with someone who took time to match their products with the right customers. It created better outcomes for everyone involved.
Kieran Bjornsson
Senior Analyst
Kieran joined us in 2021 after working in Bangkok's corporate insurance sector. He has this unusual ability to explain complex policy details in ways that actually make sense to people.
People Who Actually Care
Our team grows slowly and carefully. We look for people who genuinely enjoy helping others make important financial decisions — not just those who can sell policies.
Everyone here has dealt with their own insurance challenges at some point. That shared experience shapes how we approach client conversations and policy recommendations.
Our Approach
What Sets Us Apart
We spend more time listening than talking. Most consultations involve understanding your current situation before discussing any insurance options.
What We Actually Do
Insurance analysis isn't just about comparing prices. We look at how different policies work within your specific financial situation.
Needs Assessment
We start by understanding your current financial picture and future concerns. No generic questionnaires — just real conversation about what keeps you up at night.
- Family financial security analysis
- Business risk evaluation
- Healthcare coverage planning
- Asset protection strategies
Policy Comparison
We analyze policies from multiple providers, focusing on coverage details that matter for your specific situation rather than just premium costs.
- Coverage gap identification
- Exclusions analysis
- Claims process evaluation
- Long-term cost projections
Ongoing Support
Insurance needs change as life changes. We stay in touch to help adjust coverage when you change jobs, move homes, or start families.
- Annual coverage reviews
- Claims assistance
- Policy updates coordination
- Life change consultations
Why We Keep Growing
Most of our new clients come through referrals from existing ones. That tells us we're doing something right, but it also creates responsibility.
Every recommendation we make affects real people's financial security. We take that seriously, which is why we often suggest clients wait or shop around more if we're not confident in our initial analysis.
"Sometimes the best advice is to wait six months and reassess your situation. Insurance should fit your life, not the other way around."
As Thailand's insurance market continues evolving with new products and digital options, we're committed to staying current with what actually works for our clients rather than what's just new and trendy.
