About Us

Meet Y.F. Tham: Your Trusted Insurance Adviser

Welcome to ThamInsurance, where your insurance needs are met with expertise, experience, and unwavering commitment. I’m Y.F. Tham, your insurance professional, with over a decade of dedicated service in the industry.

About My Journey

Throughout my career, I have successfully navigated various roles within the insurance and financial industry, showcasing my adaptability and versatility. Starting as a Claims Executive at Berjaya Sompo Insurance Berhad, I honed my skills in providing quality claim services and maintaining compliance. Subsequently, I transitioned into the role of Account Manager at BIB Insurance Brokers, where I demonstrated my ability to understand diverse customer needs and negotiate favorable terms. Later, as an Insurance Consultant and Financial Portfolio Analyst at SG Marketing Management, I engaged in in-depth financial portfolio analysis and provided valuable recommendations while also managing insurance claims. Currently, as a Financial Adviser at Louise Holden Capital Management, I continue to broaden my expertise in financial advisory services. My journey reflects my commitment to growth, adaptability, and a comprehensive understanding of the industry’s various facets.

Qualifications That Matter

I’ve taken the initiative to continually enhance my knowledge and capabilities. My journey led me to complete the agent and broker license program, a pivotal step in my career. In 2021, I earned the coveted Registered Financial Planner (RFP) title, granted by the Malaysian Financial Planning Council (MFPC). My member code is M30014935, a testament to my commitment to professional excellence.

Your Financial Partner

As a registered financial planner (RFP) in Malaysia, I’ve proudly joined Louise Holden Capital Management Sdn Bhd, a respected financial advisory firm approved by Bank Negara Malaysia. My multilingual proficiency in English, Malay, Chinese, and Cantonese ensures that I can effectively communicate and serve a diverse clientele.

What are the differences among intermediaries (agent, broker, and financial adviser)?

An agent represents an insurance company. In Malaysia, an agent only represents one life insurance and two general insurance companies. The product selection is very limited to the represented company. Brokers and financial advisers represent their clients. They can provide quotations from ALL the insurance companies in the market. Financial advisers (FAs) can handle more than just insurance portfolios, such as investment planning and estate planning.

Why the website is named “thaminsurance”?

It’s a blend of my family name, “Tham,” and the word “insurance.” This name reflects my deep rooted focus on insurance and the extensive knowledge I’ve gained in this specific sector.

What is the purpose of this website?

This website serves as a multifaceted platform dedicated to empowering individuals in the realm of insurance and finance. Its primary mission is to educate, inform, and guide visitors through the complexities of these subjects. The website offers an extensive library of informative content, covering topics ranging from insurance policies and investment strategies to financial planning and risk management. 

In addition to its informative content, the website thoughtfully integrates affiliate links. These links are strategically placed to connect users with trusted partners and service providers within the insurance and financial industries. This not only simplifies the process of accessing relevant products and services but also supports the website’s ongoing operation. Through these affiliations, the website can continue to deliver high quality, free content to its visitors.

Moreover, we have invited the public to submit requests for custom quotations, allowing individuals to seek tailored solutions to their specific insurance and financial needs. These solutions are designed to address individual circumstances and preferences.

Additionally, the website is underpinned by a strong commitment to transparency and user protection. It includes a comprehensive disclaimer and privacy policy to ensure visitors are aware of the terms and conditions, as well as the safeguards in place to protect their data and privacy. These documents outline the website’s responsibilities, limitations, and how user data is handled, fostering trust and compliance with legal and ethical standards.