My life has changed massively since I moved to Thailand. I got married and became a Dad. It’s awesome.
But needless to say this new phase of my life means being more responsible, and part of that responsibility means thinking about what would happen to my wife, daughter, and son if I were to suddenly “close my account”, so to speak.
And so I recently took the step of taking out a life insurance policy.
Now, being a foreign national living in Thailand, this isn’t as straight forward as it would be back home.
Straight off the bat you’re up against it and faced with a barrage of questions:
- Can I take a life insurance policy out in my home country that covers me here?
- Can the local Thai companies be trusted?
- How can I be sure my loved ones will get the money when I die?
- Why is it these Thai reps don’t seem to know what they are talking about?
- Are the horror stories of companies not paying out true?
- What documentation will I need?
- Where can I find an honest, qualified English-speaking IFA (Independent Financial Advisor)?
I’ve been in this predicament, scratching my head and Googling like mad to find someone who has been there and had success. But there simply isn’t much information out there specific to life insurance for expats in Thailand.
The reason for this is probably because those in the know are too busy working high-flying jobs in banking and engineering to post information online regarding their huge life insurance policies.
So it’s up to little old me to give you the information you need by answering all those nagging questions.
Thailand Life Insurance FAQ: Your Questions Answered
1. Do I Need Life Insurance?
Not everyone needs life insurance.
If I was still living out of a rucksack, just me and my Mac going from country to country, I wouldn’t bother. And perhaps if I’d married the daughter of a billionaire, I wouldn’t either.
But if you’ve got a spouse or a child, or both, or even a long-term partner, for a small premium each month, you can ensure a pot of money is paid out upon your death to help your loved one(s) get by.
You should also consider that if you have a mortgage, or personal loan(s), these things will be paid from your estate (the assets you leave behind when you die).
This means that although you house, car and back accounts might amount to a pretty net worth, these assets will have to pay off any money you owe when you die, which could leave your loved ones short of a bob or two.
A life insurance policy will enable you to stipulate what you want to be paid to your loved ones when you die, allowing you to account for things like the mortgage, money for your child’s university fees, and money for your partner to support the family.
To decide whether or not you need life insurance, ask yourself this simple question:
Are there people in my life I care about that will need financial support when I’m gone?
2. Isn’t Life Insurance Covered Under Health Insurance?
Life insurance is not covered by health insurance. Health insurance pays your medical bills while you’re alive and doesn’t pay anything to your loved ones when you die.
You may also have heard the term ‘life assurance’. This is the same thing as life insurance, and the two terms are often used interchangeably.
Here’s a tip: Avoid taking out health insurance that offers combined life insurance cover. This is commonplace in Thailand with companies like AIA, which we’ll get onto in a minute or two.
Take out separate policies that allow for maximum flexibility and offer complete transparency.
3. Isn’t Life Insurance Expensive & Only for Bankers & Oil Rig Workers?
Not at all. In fact, I was shocked at just how much cover you can get for as little as £50 a month – that’s around 2,000 Baht.
Premiums are extremely flexible and there’s something for all budgets. Even if all you have is 1,000 Baht a month to spare, you can still get some cover.
Whether you’re a teacher on 35,000 Baht a month, or an online poker player making five figures a day, it’s accessible for everyone.
Of course, the cost of cover depends on age and health – because the premium is calculated according to the risk factor for the insurer.
4. What Are the Different Types of Life Insurance?
Your policy will be tailored to your individual needs, with additional optional cover for things like critical illness and disability. But the core policy itself is likely to fall into one of two categories:
- Term Insurance: A policy with a set duration limit on the coverage period. Once the policy is expired, it is up to the policy owner to decide whether to renew the term life insurance policy or to let the coverage end. This type of insurance policy contrasts with permanent life insurance, in which duration extends until the policy owner reaches 100 years of age (i.e. death).
- Whole Insurance: A life insurance contract with level premiums that has both an insurance and an investment component. The insurance component pays a stated amount upon the death of the insured. The investment component accumulates a cash value that the policyholder can withdraw or borrow against (1).
5. What Documentation Will I Need?
Surprisingly, you’ll need very little. The main task is filling out the forms, which require your medical history and personal information such as where you live and your occupation.
Aside from this, you’ll need a copy of your passport and proof of address.
Depending on your policy, the company may request that you have a medical. This will be paid for by the insurance company and can be completed at any of their designated private hospitals in Thailand.
I didn’t need a medical for my policy, and you might not either. In a way I wish they had requested one; that way I would have had a free check up!
6. How Can I Be Sure My Partner/Children Will Get the Money?
The first step to ensuring that your policy is valid under all the conditions you expect it to be is to ensure you are properly advised.
You need to make sure you discuss all the details and possibilities with an English-speaking advisor (see question 9).
It’s absolutely pointless taking out a policy with a local company that you don’t fully understand and have potentially been poorly advised on.
Also consider that if, like mine, your partner is a non-native English speaker, you will want a policy with a reputable company that won’t become evasive in the event that you pass away.
By this I mean giving he/she the runaround over the money, passing her from rep to rep, branch to branch, and bamboozling her/him with hidden clauses that require a lawyer to decipher.
I don’t know about you, but should something happen to me, I want the process to be smooth and handled with sensitivity by a company who respects my wife’s position.
I’ve read far too many horror stories about local companies to take any risks.
7. Can I Take Life Insurance out in My Home Country to Cover Me in Thailand?
The general answer is no. I can’t speak for every country, but my experience is as follows. I spoke with my IFA in the UK and he told me that I’d need to find a policy in this part of the world.
The reasons for this are:
- Because policies aren’t transferable to Thailand.
- You have to take out the policy with the SE Asia-based branch of the company.
The good news is that you can transfer a policy back to the UK (or your home country) that has been taken out in Thailand.
8. Shall I Take a Policy out with AIA Or Another Thai Company?
The short answer is no. The long answer is divided into two parts:
Firstly, you won’t be able to transfer the Thai policy back home, should you return.
Secondly, companies like AIA employ reps that aren’t qualified to provide financial advice.
In short, they do not give advice based on what is best for your situation, personally and financially. Such companies employ sales reps trained in how to sell you the most expensive policy possible.
Try to take out a policy with a company that is active in your home country and has an office in Asia that provides policies for expats in Thailand.
9. But How Do I Find a Trustworthy IFA (Independent Financial Advisor) in Thailand?
I got really lucky in this regard. My father used to work in this field and a friend of his put me in touch with a highly qualified IFA working out of Thailand.
He covers the Asia region and is licensed to work in the UK, US and many other countries.
He went above and beyond for me, getting different quotes, answering my emails with stupid questions, helping me fill out the forms and ensuring I understood every aspect of this type of insurance.
I now use him for my pension planning and investment advice, too.
10. Can You Give Me Contact Details of Your IFA?
Yes, but please only contact his if you have a serious enquiry. I don't want him to be bombarded with spam email :).
You can do one of two things:
1. Fill out this quote request form I set up using Google forms. This will be sent to him directly and then he'll get in touch with you:
+ Click here to access the form.
2. Contact me using this contact form and I’ll email you back with his details and CC you in (might take a couple of days).
More Tips for a Better Life in Thailand
Send Money to Thailand & Avoid Fees:
Use Wise. It is fast, cheap, and gives you the market exchange rate.
Improve Your Thai Skills:
Learning Thai makes life easier & more fun. I use Thaipod101. It is free to start.
Last Updated on
Jon says
I think many of the people who inquired but then abandoned the inquiry probably wanted to get an idea of the costs vs different types of coverage. Maybe a separate blog post would be appropriate?
Jan 24, 2019 at 5:49 pm
TheThailandLife says
Jan 24, 2019 at 6:15 pm
Paul says
Oct 02, 2018 at 9:31 am
TheThailandLife says
Oct 02, 2018 at 4:09 pm
Henry Robertson George Currie says
Jul 11, 2018 at 2:17 pm
Thomas says
Jun 20, 2018 at 6:34 am
Thomas says
Jun 20, 2018 at 3:06 am
TheThailandLife says
Jun 20, 2018 at 4:20 am
noemmie says
Jun 04, 2018 at 9:15 am
Steve Coryelle says
May 08, 2018 at 7:47 am
TheThailandLife says
May 08, 2018 at 3:46 pm
terry says
Feb 03, 2018 at 11:59 am
Chris says
Feb 03, 2018 at 4:34 pm
Chris says
Dec 14, 2017 at 10:05 pm
Tony Smith says
Nov 23, 2017 at 5:10 pm
Kevin says
Nov 09, 2017 at 2:01 pm
TheThailandLife says
Nov 10, 2017 at 6:45 pm
brian says
Sep 05, 2017 at 9:08 am
TheThailandLife says
Sep 05, 2017 at 7:14 pm
thomas Clavio says
Aug 03, 2017 at 2:28 am
TheThailandLife says
Aug 03, 2017 at 3:15 am
Thomas says
Aug 05, 2017 at 1:10 am
TheThailandLife says
Aug 05, 2017 at 4:44 pm
Colin Sims says
Jul 28, 2017 at 10:39 pm
John Stagg says
Jul 20, 2017 at 12:41 pm
Brian Corlett says
Jun 07, 2017 at 7:39 am
TheThailandLife says
Jun 07, 2017 at 3:51 pm
joey says
Have a Thai partner for a while and looking for a comprehensive medical/hospitalization policy as well as life with critical illnesses for her. I am at lost as to which company to approach and to be able to find someone who speaks English with me. May I seek some recommendation from you please?
Jun 01, 2017 at 1:53 pm
TheThailandLife says
Jun 01, 2017 at 5:59 pm
Robert Heatley says
Just a quick one if I may, any ideas on who to contact for car insurance?
Robert
Apr 28, 2017 at 7:26 am
TheThailandLife says
Apr 28, 2017 at 2:49 pm
Robert Heatley says
Not wanting to piddle in your pocket, but you have a great and informative site!
Warm regards
Robert Heatley
Apr 28, 2017 at 4:52 pm
TheThailandLife says
May 02, 2017 at 3:31 am
Alfred Santinello says
Would you please send me the details of your IFA?
Thanks a lot.
Alfred
Feb 20, 2017 at 10:04 pm
Erik Reginiussen says
I`m married to a Thai lady.
Looking forward to your reply, thanks in advance
wkr
Erik Reginiussen
Jan 31, 2017 at 1:01 pm
Seth Waitman says
Aug 08, 2016 at 10:25 pm
TheThailandLife says
Aug 09, 2016 at 1:24 am
Gerry says
Thanks.
Jul 14, 2016 at 5:04 am
TheThailandLife says
Jul 14, 2016 at 2:48 pm
Maria says
May 22, 2016 at 3:01 pm
Benoit Séguin says
Thanks
Benoit
Apr 25, 2016 at 11:02 am
TheThailandLife says
Apr 25, 2016 at 11:31 am
Nick says
Apr 25, 2016 at 8:05 am
TheThailandLife says
Apr 25, 2016 at 11:32 am
Paulo Filho says
Could you send me the contact of your IFA if still possible.
Thanks
Apr 10, 2016 at 7:50 am
Alex says
Thanks.
Apr 07, 2016 at 3:59 pm
Robert Tyrrell says
Could you please provide me the contact info for Life Insurance in Thailand , I'm an American National soon to Marry a Thai Citizen and retire in Thailand.
I have provided my email and your assistance would be greatly appreciated.
Best Regards
Robert Tyrrell. USA
Mar 25, 2016 at 12:32 am
TheThailandLife says
Mar 25, 2016 at 10:18 pm
Matt says
Mar 21, 2016 at 7:01 pm
TheThailandLife says
Mar 23, 2016 at 9:13 pm
Matt says
Mar 23, 2016 at 11:11 pm
Charles H Dailey says
Sep 15, 2016 at 2:33 pm
TheThailandLife says
Sep 16, 2016 at 11:05 pm
Jake says
Mar 17, 2016 at 4:10 pm
TheThailandLife says
Mar 18, 2016 at 2:50 pm
Elyssa says
Thank you for publishing this information. We're expats new to Thailand and I have been searching for a life insurance policy for my husband and I. We also need some for personal property. It's proven to be a difficult task. I would really appreciate the contact information of your IFA if you're still sharing it.
Thank you!
Elyssa
Mar 07, 2016 at 3:58 pm
Mark Findley says
Mark
Feb 28, 2016 at 6:47 am
TheThailandLife says
Feb 29, 2016 at 12:17 pm
Emily Beresford says
Feb 21, 2016 at 4:10 pm
Robert says
Feb 10, 2016 at 8:30 pm
TheThailandLife says
Feb 11, 2016 at 2:45 pm
John PEPino says
Feb 07, 2016 at 6:27 pm
TheThailandLife says
Feb 07, 2016 at 9:47 pm
Matthew Paynter says
Great to have found your site, I am that teacher you mentioned and also have a 2 year old daughter and wife I need to consider :)
Please forward me the details for you IFA.
Happy New Year...
Matt
Jan 28, 2016 at 2:56 pm
Ian Bradshaw says
Superb article with some great advice and easy to follow.
Please could you forward your IFA's details?
Sincere regards
Ian
Jan 24, 2016 at 10:33 pm
TheThailandLife says
Jan 26, 2016 at 7:12 pm
Christopher Schutzius says
I would like the details of your IFA please.
Jan 22, 2016 at 5:14 pm
TheThailandLife says
Jan 22, 2016 at 6:55 pm
Nicholas Greene says
Great article, extremely interesting and valuable. Thank you so much. As you already know...living in Thailand and understanding the way things go here is extremely difficult. Sounds like you were able to get some sound advice....and also your IFA is probably now extremely busy.
I hope you can supply his /her details one more time?
Please note the website....if I can help with anything Mac related.
Cheers
Nicholas
Jan 21, 2016 at 5:06 pm
Louiza Doran says
Thanks
L
Jan 19, 2016 at 7:23 am
TheThailandLife says
Jan 19, 2016 at 4:53 pm
Jim says
Would you please email your IFA details, as I require some insurance.
Cheers.
Jim.
Jan 18, 2016 at 8:15 am
TheThailandLife says
Jan 18, 2016 at 4:27 pm
Sapphira says
Jan 12, 2016 at 11:49 am
JerryDon says
Wife got ahead of me...
Can I get your contact...
Southern Thailand...
Thxs Jer : )
Dec 16, 2015 at 11:54 am
TheThailandLife says
Dec 17, 2015 at 5:06 am
Cheryl says
Thank you
Dec 07, 2015 at 11:44 am
TheThailandLife says
Dec 07, 2015 at 3:32 pm
Lachlan says
could you pass on these details to me as well?
Thank-you.
Dec 04, 2015 at 11:36 am
Lachlan says
Could you email those details through for me?
Thanks.
Dec 15, 2015 at 5:54 am
Colin says
Thanks for this. Would i be able to get the contact details for your IFA please.
Dec 04, 2015 at 10:43 am
Stephen says
Nov 30, 2015 at 9:46 pm
TheThailandLife says
Nov 30, 2015 at 11:32 pm
Mady says
I am looking for a Life insurance Policy along with combination of Accidental Cover. I was approached by AIA Agent with reference from my friend. But they are a local company.
Can you suggests me some other company which might have transferrable Life Policy back home in India?
Cheers!
Mady J
Nov 24, 2015 at 2:49 pm
TheThailandLife says
Nov 25, 2015 at 4:16 pm
Russell says
Nov 20, 2015 at 6:50 am
TheThailandLife says
Nov 20, 2015 at 5:48 pm
Carl says
Oct 16, 2015 at 9:37 am
TheThailandLife says
Oct 16, 2015 at 2:39 pm
vichelle says
Oct 09, 2015 at 12:21 pm
TheThailandLife says
Oct 09, 2015 at 4:45 pm
Julie Ann Mendoza says
Oct 01, 2015 at 11:21 am
TheThailandLife says
Oct 01, 2015 at 12:39 pm
Erik says
Thanks.
Sep 29, 2015 at 7:48 pm
TheThailandLife says
Sep 29, 2015 at 10:48 pm
Leigh says
Sep 28, 2015 at 12:14 pm
Mr. Kim. Armitage says
Kind regards Kim
Sep 27, 2015 at 10:23 pm
Patrick says
Could not find a company in the US that was willing to insure me while residing overseas.
Regards,
Patrick
Patrick
Sep 11, 2015 at 8:13 am
TheThailandLife says
Sep 11, 2015 at 11:16 am
Gary says
Thanks in advance.
Sep 06, 2015 at 10:01 pm
TheThailandLife says
Sep 06, 2015 at 10:07 pm
Mark says
Sep 01, 2015 at 5:03 pm
TheThailandLife says
Sep 01, 2015 at 8:10 pm
gary chatwin says
Aug 17, 2015 at 8:55 am
Graeme Paterson says
Aug 16, 2015 at 12:39 pm
TheThailandLife says
Aug 16, 2015 at 3:00 pm
Catherine says
Aug 12, 2015 at 8:40 pm
TheThailandLife says
Aug 13, 2015 at 12:02 am
Rohith says
Thanks
Aug 09, 2015 at 1:27 pm
TheThailandLife says
Aug 09, 2015 at 10:27 pm
Barry says
Oct 27, 2015 at 12:34 am
TheThailandLife says
Oct 27, 2015 at 10:56 am
CHARLES says
Aug 08, 2015 at 7:53 am
TheThailandLife says
Aug 08, 2015 at 11:50 am
WL Chee says
Soon to be a retiree with minimal income I have decided to retire in Bangkok.
A regular visitor to Thailand and loving the culture, food and weather.
Jul 31, 2015 at 7:06 am
TheThailandLife says
Jul 31, 2015 at 11:48 am
Lane says
Jul 19, 2015 at 7:45 pm
TheThailandLife says
Jul 19, 2015 at 11:00 pm
mark says
My only worry would be on my death my "estate" (isn't worth much) but without some type of insurance? interested what you would suggest??
Im only going travel & sight-see & have my budget worked out.
Again thanks for any suggestion's or advise
Jul 15, 2015 at 8:05 am
TheThailandLife says
Jul 15, 2015 at 9:29 am
mark says
Am thinking I will/should make a will before travelling I was quoted about £200 a 1 year "back-packer" but after reading this am not sure if it's wise.
Many thank's & best of luck
Jul 15, 2015 at 7:57 am
Sharie says
Jul 14, 2015 at 6:58 pm
TheThailandLife says
Jul 14, 2015 at 10:02 pm
Jing says
Great article! Would you mind sending me the details of your IFA? Am looking for health and life insurance coverage for my Thai partner. Thanks a lot in advance!
Jing
Jul 09, 2015 at 11:21 pm
TheThailandLife says
Jul 09, 2015 at 11:39 pm
Phil says
Could you please send me your IFA's details.
Many thanks.
Jul 09, 2015 at 11:26 am
TheThailandLife says
Jul 09, 2015 at 11:50 am
Paul Hancock says
Jun 08, 2015 at 10:23 pm
TheThailandLife says
Jun 08, 2015 at 10:42 pm
Michael says
Jun 07, 2015 at 2:40 am
TheThailandLife says
Jun 07, 2015 at 11:39 am
Julia says
May 28, 2015 at 10:40 am
TheThailandLife says
May 28, 2015 at 1:45 pm
David Gray says
May 21, 2015 at 3:08 pm
TheThailandLife says
May 21, 2015 at 3:19 pm
Alexander Jensen says
Thank you.
Alexander
May 20, 2015 at 7:34 pm
TheThailandLife says
May 20, 2015 at 10:22 pm
Alexander says
May 20, 2015 at 10:45 pm
Aod says
Great article, could you please send me information regarding getting Full life insurance in Thailand and the estimated cost, would be much appreciated.
Thanks,
Apr 30, 2015 at 12:15 am
TheThailandLife says
Apr 30, 2015 at 12:18 pm
Gary says
I really enjoyed your article. From the responses posted here there appear to be a number of us in the same predicament. Would it be possible to forward me details of your IFA also. Much appreciated.
Gary
Apr 28, 2015 at 11:25 am
TheThailandLife says
Apr 28, 2015 at 11:54 am
J says
Apr 27, 2015 at 9:08 am
Duncan Williams says
Apr 24, 2015 at 5:35 pm
TheThailandLife says
Apr 24, 2015 at 6:03 pm
Jo says
Kind regards
Jo
Apr 18, 2015 at 8:31 am
TheThailandLife says
Apr 19, 2015 at 2:47 am
gary chatwin says
Apr 17, 2015 at 6:51 am
TheThailandLife says
Apr 17, 2015 at 3:51 pm
Chris says
I was reading with great interest your experiences with Insurances for expats living in Thailand. I'm in a similar situation and after spending uncountable hours searching in the web for affordable and worthy life insurances I'm glad that I found your page. Can you forward me the contact details of your IFA? That would be great, thanks a lot in advance. Wishing you a happy family life in this beautiful country!
Best regards,
Chris
Apr 14, 2015 at 6:21 pm
TheThailandLife says
Apr 14, 2015 at 6:33 pm
Patrick says
Apr 04, 2015 at 6:16 pm
TheThailandLife says
Apr 04, 2015 at 6:57 pm
Dave Griffiths says
kind regards
Dave.
Apr 04, 2015 at 3:39 pm
TheThailandLife says
Apr 04, 2015 at 3:55 pm
allan watts says
I'm a Brit living in Thaiand and looking for life insurance for my Thai wife. Could you please email the details of your man here.
I recently got a quote from Thai Life Insurance, via AA Insure in Pattaya...the premium was 50k a year for a period of 19 years, that gave a pay out of 3 million baht upon my death. 3 million was the amount that I requested, as personally I don't think it's worth doing for any less that that, but 50k Baht a year is too expensive IMO.
Cheers, Allan
Apr 03, 2015 at 12:47 pm
TheThailandLife says
Apr 03, 2015 at 4:18 pm
Sharon says
Mar 27, 2015 at 12:01 am
TheThailandLife says
Mar 27, 2015 at 12:19 am
Sean says
I'm a teacher here and a single dad with two young girls. Would really appreciate more details and a contact for you're IFA.
Cheers
Mar 13, 2015 at 10:50 pm
TheThailandLife says
Mar 13, 2015 at 11:43 pm
Sam Marshall says
Mar 11, 2015 at 6:33 pm
TheThailandLife says
Mar 12, 2015 at 6:19 am
Richard Gooch says
Mar 08, 2015 at 10:02 pm
TheThailandLife says
Mar 08, 2015 at 10:09 pm
Roy says
Feb 28, 2015 at 12:06 am
TheThailandLife says
Feb 28, 2015 at 12:16 am
Dale says
Could you please send me an email regarding insurance companies in Thailand. Thanks mate hope it's not too much trouble.
Feb 25, 2015 at 11:37 pm
TheThailandLife says
Feb 26, 2015 at 12:59 am
GeordiePaul says
Jan 30, 2015 at 10:55 am
TheThailandLife says
Jan 30, 2015 at 12:39 pm
Hans Hilhorst says
Jan 29, 2015 at 7:48 pm
TheThailandLife says
Jan 29, 2015 at 8:17 pm
JESS LEE VAN PELT says
THANKS SO MUCH
Jan 29, 2015 at 6:51 pm
TheThailandLife says
Jan 29, 2015 at 7:01 pm
Shama Kern says
Jan 24, 2015 at 10:26 pm
TheThailandLife says
Jan 24, 2015 at 10:30 pm
Matt Naus says
Jan 10, 2015 at 11:55 am
TheThailandLife says
Jan 10, 2015 at 5:09 pm
Joe Thai says
J
Jan 09, 2015 at 11:09 am
TheThailandLife says
Jan 09, 2015 at 1:38 pm
Ian says
Thanks!
Dec 25, 2014 at 11:06 am
TheThailandLife says
Dec 25, 2014 at 11:55 am
Reginald Cabi says
Dec 18, 2014 at 6:41 am
TheThailandLife says
Dec 18, 2014 at 9:56 am
Reginald Cabi says
Dec 19, 2014 at 3:15 am
Marvin Bemand says
Thank you
Oct 14, 2014 at 10:39 am
TheThailandLife says
Oct 14, 2014 at 10:44 pm
Andy B says
Sep 26, 2014 at 12:28 pm
TheThailandLife says
Sep 26, 2014 at 2:10 pm
melissa says
I am also an American living in Thailand almost 10 years. I have a daughter as well living here. We have had many issues finding a good IFA and would be so grateful to have someone who could really help us with savings, insurance and investments. Thank you for your wonderful blog and I look forward to your recommendation.
Sep 22, 2014 at 12:24 pm
TheThailandLife says
Sep 22, 2014 at 12:43 pm
bibblies says
Sep 18, 2014 at 3:54 am
TheThailandLife says
Sep 18, 2014 at 10:18 pm
Charlie Pritchard says
Thanks in advance.
Sep 06, 2014 at 11:33 am
TheThailandLife says
Sep 06, 2014 at 11:43 am
Steff says
Aug 15, 2014 at 2:27 pm
TheThailandLife says
Thanks.
Aug 16, 2014 at 11:22 pm
Polo says
Jul 23, 2014 at 9:07 pm
Polo says
Jul 22, 2014 at 6:42 pm
TheThailandLife says
Jul 22, 2014 at 7:36 pm
Matthew says
Jul 05, 2014 at 5:25 pm
TheThailandLife says
Jul 05, 2014 at 10:31 pm
Daniel says
Jul 01, 2014 at 10:13 pm
TheThailandLife says
Jul 01, 2014 at 10:55 pm
Russell Conrad says
thanks
Jun 28, 2014 at 12:41 pm
TheThailandLife says
Jun 28, 2014 at 1:03 pm
Lee says
Feb 24, 2015 at 11:17 am
TheThailandLife says
Feb 24, 2015 at 4:31 pm