Our Founder

Knowing what's happening is Good.
Making it happen is Better.

Our Founder
Thomas K.H Lim

Contact Us

Our team of dedicated professionals specialize in assisting clients to prepare for the unexpected, insuring they are well informed every step of the way.

Customer Service

People on the phone
This image for Image Layouts addon

20+ years of experience in Life, Health, and Annuities

Thomas Lim, ChFC, the founder of KHL Financial & Insurance Services, Inc., has been providing financial and insurance services to the Bay Area Chinese Speaking Community since 1987. He received his MBA in 1986 from Sacramento State University and received his ChFC in advanced financial planning in 2002. Mr. Lim is a Board Member of the Asian American Insurance and Financial Professional Association (AAIFPA) and the Pacific Premier Insurance Group. He is a member of the National Association of Insurance and Financial Professionals (NAIFA) and the National Ethics Association (NEA). He is also a Million Dollar Roundtable (MDRT) Qualifier. Thomas Lim also contributes insurance articles in several major Chinese-language newspapers.

Mission Statement

Our mission is to offer high quality insurance products and services to individuals, their families and businesses. Our commitment to this mission is proven by our decades of insurance and financial services experience. It is also our commitment and desire to establish trusting and long lasting relationships with our clients. These commitments have served us and our clients well throughout the years. We take pride in knowing that our clients keep returning to us for advice.

Our Values

We will never recommend something for you unless we truly believe it is in your best interest.

  • Life and Health Insurance
  • IRA and Pension Rollovers
  • Tax Deferred Annuities
  • Financial Planning
  • Estate Planning
Business People

Our Vision

Specialized Advisers providing Personalized Solutions. Our experienced team of professionals use state-of-the-art software to respond quickly to your needs.

Whether it's a routine question regarding your account, or a major change requiring an in-depth review of your coverages, you'll receive prompt, personal service.

You are encouraged to use any the information about our various products and services. You can obtain quotes on term life insurance in the privacy of your home.

Get estimates on what different amounts for various terms will cost you. Get information about Long Term Care, health insurance and medicare supplements. Annuities provide guaranteed safety of principal, higher interest, plus the option to participate in the market for potential growth and they have many advantages over bank CDs. Please feel encouraged to call or email us if we can assist you.