Thai insurance leader TIPH is strategically pivoting from enterprise-focused business (currently 65%) toward SME/retail customers (targeting 50% within 3 years). The company launched TIPSOL, a lifestyle-integrated loyalty platform covering 7 pillars (auto, home, travel, health, entertainment, dining, pets), designed to generate 500 million baht in premiums within 12 months. FY2025 overall premium target is 32–33 billion baht (+5% YoY), outpacing industry growth (~2.5%), with motor insurance expanding from 25% to ~40% of portfolio while maintaining non-motor strength.