In the last 18 months my life has changed. 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 and daughter if I were to suddenly close my account, so to speak.
And so recently I 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?
- How reliable are the domestic Thai companies?
- How can I be sure my loved ones will get the money?
- Why is it these reps don’t seem to know what they are talking about?
- Are the horror stories of AIA not paying out true?
- What documentation will I need?
- Where can I find an honest English-speaking IFA (Independent Financial Advisor) I can speak to?
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 about taking out life insurance in Thailand.
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, a child, 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 ones 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 once I’m gone?
2. Isn’t Life Insurance Covered Under Health Insurance?
If you thought this was the case, don’t feel silly, it’s a common mistake. 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. But Isn’t Life Insurance Really Expensive & Only For Bankers & Oil Rig Workers?
Not at all. In fact, I was shocked at just how much cover you can get for under 40 pounds 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 500 Baht a month to spare, you can still get some decent cover. Whether you’re a teacher on 30,000 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. 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:
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 death of the insured. The investment component accumulates a cash value that the policyholder can withdraw or borrow against.
Reference Source: http://www.investopedia.com/
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 what you do for work. 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 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?
Well the first step to ensuring that your policy is valid under all the conditions you expect it to is to ensure you are properly advised. You need to make sure you discuss all the details and possibilities with an English-speaking IFA (see question 9).
It’s absolutely pointless taking out a policy with a local company that you don’t fully understand and potentially have been ill-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’t 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 company/IFA in this part of the world.
The reasons for this are, 1, because policies aren’t transferable to Thailand, and, 2, 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 IFA’s. 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.
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.
My policy is with Friends Provident, which is pretty much the go-to company for expats seeking life insurance.
Now, bear in mind that Friends Provident do not deal with the public directly (always a sign of a reputable life insurance company), so you’ll have to go through an Independent Financial Advisor (IFA).
9. But How Do I Find A Trustworthy IFA (Independent Financial Advisor) In Thailand?
I got really lucky in this regard. I met a guy who makes a fair packet in engineering, and he referred me to his British-born IFA based in Thailand.
Expecting to experience someone trying to sell me on a high end policy, I consulted my father before I set up a meeting. My father worked in the financial sector in similar disciplines his entire career, and advised me on exactly what I did and didn’t need, and what to look out for in terms of unscrupulous behaviour.
Thankfully I didn’t need this advice. This guy was super, and never once suggested I spend more than I wanted to. He went above and beyond, answering my emails at all hours, helping me fill out the forms and ensuring I understood every aspect of this type of insurance.
10. Can You Give The Contact Details Of Your IFA?
I can, but upon his request I’m not going to publish his details here publicly. He doesn’t advertise and works exclusively on referral.
I'd also ask that you only contact him if you're serious about taking out a policy.
I say this because I've referred a number of people who have taken up a lot of his time and then dropped off the radar without letting him know whether they want to proceed or not. He does all the work involved in getting a quote for a premium, and once the information has been sent back, the recipient doesn't even reply.
Please don't do that. Please have the courtesy to see the communications through, whether you take out a policy or not. Only contact him if you are serious; otherwise this reflects badly on me, and of course wastes his valuable time.
If you are serious though and want to have a chat with him/ get a quote, no problem. Drop me a message via this contact form and I’ll email you back with his details.
Last Updated on
terry says
Hi I am70yrs old living in Thailand on only a basic pension been married now for 12yrs 2 my thai wife, I am in good health but I now realise that I need life insurance for my wife 2 be left a little bit of money . I could pay about 1000 bht a month but which is the best insurance 2 get , and do expat do life insurance hope u can help
Feb 03, 2018 at 11:59 am
Chris says
Most companies will insure you up to age 80, even without requiring a physical exam. That is the good news. The problem is the amount you receive as a death benefit may be less than the accumulated payments you make. If longevity runs in your family, you may be better off self-insuring by putting the same amount in an interest bearing savings account.
Feb 03, 2018 at 4:34 pm
Chris says
I sold life insurance for years in the United States and never found that travelling or living in a foreign country was a common exclusion in a policy. The problems usually occured when submitting a death claim, as the documents citing the death overseas had to be translated and certified by an embassy.
Dec 14, 2017 at 10:05 pm
Tony Smith says
Great article, thank you. Can you let me have the details of your IFA as the ones I have met in Bangkok do not inspire trust.
Nov 23, 2017 at 5:10 pm
Kevin says
Thank you for your information. If possible, I would like the contact info for the IFA as well. I’ve been shopping around for life insurance for a while and I’m ready to sign up. I have medical insurance in both the US and Thailand (BUPA) and I’m married to a Thai woman here in Thailand.
Nov 09, 2017 at 2:01 pm
TheThailandLife says
Hi Kevin, I have emailed you the details.
Nov 10, 2017 at 6:45 pm
brian says
lived in thailand 7 rs with my thai girl cani get alife insurance
Sep 05, 2017 at 9:08 am
TheThailandLife says
Yes. If you drop me an email I will reply with the details of my contact.
Sep 05, 2017 at 7:14 pm
thomas Clavio says
Good Morning can you possibly provide the names of a few Health Insurance Providers in Thailand. I wasn’t going to get any, but, have been advised by friends that it is best to have it. Appreciate any information you or maybe your followers could provide on this matter. Thanks Thomas
Aug 03, 2017 at 2:28 am
TheThailandLife says
Hi Thomas, please see this post: https://www.thethailandlife.com/international-health-insurance
Aug 03, 2017 at 3:15 am
Thomas says
As usual you come thru big time. Greatly appreciated. You have no idea how greatly I am to have come across your website. Again, Thank you.
Aug 05, 2017 at 1:10 am
TheThailandLife says
No worries. Glad I could help!
Aug 05, 2017 at 4:44 pm
Colin Sims says
Hi, looks as if I’ll be traveling back and forth between Thailand and UK quite regularly and would like to chat with your friendly IFA if possible. I would be grateful for contact details please. Regards Colin S.
Jul 28, 2017 at 10:39 pm
John Stagg says
I have just finished reading your site and found it very informative indeed.I am looking to relocate permanently to Thailand by the end of this year and need all the help i can get on how to live there possibly in Bangkok or Pattaya I would like to meet some local mens clothing manufacturers so i can sell QUALITY clothes online, their are too many people selling cheap clothes i was previously in the wholesale footwear industry,i have also sold residential real estate in Sydney and could also teach English if necessary, i am single and would like to meet a nice Thai girl, I look forward to receiving any assistance you can render to me.
Jul 20, 2017 at 12:41 pm
Brian Corlett says
I am British and have a thai wife. I would like to be able to contact someone reputable about life insurance. Many thanks if you can help
Jun 07, 2017 at 7:39 am
TheThailandLife says
I will email you the details now, Brian.
Jun 07, 2017 at 3:51 pm
joey says
Dear thethailandlife, thank you so much for your very informative site. I am have been living in Thailand for a 9 years fully covered in my country of origin.
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
Hi Joey, I will email you over the details.
Jun 01, 2017 at 5:59 pm
Robert Heatley says
Hi,
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
AXA seem to be pretty popular. Reputable firm.
Apr 28, 2017 at 2:49 pm
Robert Heatley says
Thank you 🙂
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
Thanks! Great saying. Not heard that version before 🙂
May 02, 2017 at 3:31 am
Alfred Santinello says
Name’s Alfred and I am really interested in taking out the life insurance.
Would you please send me the details of your IFA?
Thanks a lot.
Alfred
Feb 20, 2017 at 10:04 pm
Erik Reginiussen says
Hi, I`m also looking for a health/life insurance and some advise.
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
Heyya! In need as well. Any contact/info would be greatly appreciated. Cheers!
Aug 08, 2016 at 10:25 pm
TheThailandLife says
Hey Seth, I have sent the details to your email address. Thanks
Aug 09, 2016 at 1:24 am
Gerry says
G’day, can you please send me the email of your IFA ?
Thanks.
Jul 14, 2016 at 5:04 am
TheThailandLife says
I’ve sent the details through to your email Gerry.
Jul 14, 2016 at 2:48 pm
Maria says
Hi there, I have been living in Thailand for almost five years and recently married a British national. I am also British. We are looking for a joint life insurance policy. Kindly send your IFA details if that is still possible. Thanks you.
May 22, 2016 at 3:01 pm
Benoit Séguin says
It’s crazy how much Thai company try to get all money you have when you are a Farang. If I place by myself the amout of money they ask me, I’ll have much more than what they promise me… It’s insane. I tried many contact many local company but nothing. You are Farang, then you are rich… But it’s not the case when you got a job with a Thai salary. So in other words, PLEASE send me your contact information, I realy do need insurance. We have a litle bread that will come out the oven in less than a month, we have a morguage. As i am the only person that has an income in the house… I realy do need a good coverage in a case of death or big accident.
Thanks
Benoit
Apr 25, 2016 at 11:02 am
TheThailandLife says
Hi Benoit, I agree with your comments. It is very difficult for a foreigner to get reliable life insurance from a Thai company. I have sent you the details. All the best for the coming addition to your family.
Apr 25, 2016 at 11:31 am
Nick says
Could you please give me the details of your IFA contact? Thank you.
Apr 25, 2016 at 8:05 am
TheThailandLife says
Hey Nick, I have just sent over the details. Thanks.
Apr 25, 2016 at 11:32 am
Paulo Filho says
I am a Brazilian citizen living in Thailand, and i’d like to get some advice on health/life insurance.
Could you send me the contact of your IFA if still possible.
Thanks
Apr 10, 2016 at 7:50 am
Alex says
Hi thanks for the article, I am in the same position as you, I have been married for nearly 1 year and our son is 5 months old. We have just purchased a property and would like to know about life insurance, could you please email the IFA details to me .
Thanks.
Apr 07, 2016 at 3:59 pm
Robert Tyrrell says
Hello,
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
Hi Robert, I have emailed over the details. All the best with your retirement.
Mar 25, 2016 at 10:18 pm
Matt says
Hi Thank You for the article…. I am not sure if you can help…I have recently married a Thai and am having a baby in April. I am not after life insurance…but rather a good family private health insurance policy to cover trips to doctors or God forbid something more major that requires a hospital visit. Do know any good respectable companies….or does your friend…. I live in Chiang Mai (I hope that is not an issue) and I am originally from Australia. Thanks in advance. Matt
Mar 21, 2016 at 7:01 pm
TheThailandLife says
Hi Matt, he can help with that too I think. I will send through the details by email.
Mar 23, 2016 at 9:13 pm
Matt says
As I said in my email…thank you very much. I wish you and your family well.
Mar 23, 2016 at 11:11 pm
Charles H Dailey says
Hello, Please provide your IFA contact info. It’s time to renew or convert some policies (age a big factor here) and I have become a US expat living in Chiang Mai since 2012, negating the possibilty of new insurance business with my old companies.
Sep 15, 2016 at 2:33 pm
TheThailandLife says
That’s done, Charles. All the best.
Sep 16, 2016 at 11:05 pm
Jake says
Please send me the details. I want to get TERM life insurance.
Mar 17, 2016 at 4:10 pm
TheThailandLife says
Hi Jake, I sent that through to you. Thanks
Mar 18, 2016 at 2:50 pm
Elyssa says
Hi,
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
Hi Russell. I am ex-forces & myself, my thai wife & our 7yo daughter moved to thailand from the Uk in january. Obviously, finding proper affordable health/life insurance is like walking thro a minefield. Living here on my army pension doesn’t mean I can afford high end insurance so any assistance would be most appreciated….
Mark
Feb 28, 2016 at 6:47 am
TheThailandLife says
Hi Mark, I will send the details of my IFA to your email.
Feb 29, 2016 at 12:17 pm
Emily Beresford says
Thanks for the information! I have been so confused searching online. Please can you send your ifa info across. Many thanks Emily
Feb 21, 2016 at 4:10 pm
Robert says
I just started looking for information about life insurance and I was lucky to found yr site. The information is very usefull. I myself am Dutch and will start living permanently in Thailand within a few years. My wife (not by dutch or thai law) has a good job and makes her own money. Nevertheless I would like to make sure she will have financial support if my life ends before hers. I also am interested in de name of yr IFA. Also I will check if there are similar dutch IFA. If I would like to contact yr IFA, is it also possible to do that face to face when im there (several times a year). We live in Bangkok & Chonburi.
Feb 10, 2016 at 8:30 pm
TheThailandLife says
Hi Robert, yes, he always does face-to-face meetings if possible. I will send you the details.
Feb 11, 2016 at 2:45 pm
John PEPino says
I would much appreciate the contact of your IFA. I am here a lot and need a domestic policy I can take back too.
Feb 07, 2016 at 6:27 pm
TheThailandLife says
I’ve sent the details over to you John. All the best.
Feb 07, 2016 at 9:47 pm
Matthew Paynter says
Hi
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
Hi,
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
Thanks Ian. I have sent the details over to you.
Jan 26, 2016 at 7:12 pm
Christopher Schutzius says
Hi
I would like the details of your IFA please.
Jan 22, 2016 at 5:14 pm
TheThailandLife says
Hi Christopher, I have sent the details to you.
Jan 22, 2016 at 6:55 pm
Nicholas Greene says
Hi There…
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
Hi, please can you send me the details of you IFA?
Thanks
L
Jan 19, 2016 at 7:23 am
TheThailandLife says
Hey Louiza, sent!
Jan 19, 2016 at 4:53 pm
Jim says
Hi,
Would you please email your IFA details, as I require some insurance.
Cheers.
Jim.
Jan 18, 2016 at 8:15 am
TheThailandLife says
Hi Jim, I have sent the details over to you.
Jan 18, 2016 at 4:27 pm
Sapphira says
Hi there, we’re parents living abroad too and share the same sentiment. Please can you email the contact details of the IFA that advised you? Many thanks, Sapphira
Jan 12, 2016 at 11:49 am
JerryDon says
Just got locked into 12 yr child Medical/Savings…
Wife got ahead of me…
Can I get your contact…
Southern Thailand…
Thxs Jer : )
Dec 16, 2015 at 11:54 am
TheThailandLife says
Just sent the details over Jerry. Thanks
Dec 17, 2015 at 5:06 am
Cheryl says
I would love the contact info. for your insurance rep.
Thank you
Dec 07, 2015 at 11:44 am
TheThailandLife says
Hi Cheryl, I’ve sent the details through.
Dec 07, 2015 at 3:32 pm
Lachlan says
HI Russell,
could you pass on these details to me as well?
Thank-you.
Dec 04, 2015 at 11:36 am
Lachlan says
HI Russell,
Could you email those details through for me?
Thanks.
Dec 15, 2015 at 5:54 am
Colin says
Hi,
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
Great post! Thanks for sharing the helpful gleanings. Would you be willing to share contact info for the IFA you mentioned in your post? Thanks!
Nov 30, 2015 at 9:46 pm
TheThailandLife says
Hi Stephen, I’ve sent the details to your email. Thanks
Nov 30, 2015 at 11:32 pm
Mady says
Hi,
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
Hi Mady, I have sent my IFA’s details to your email address. If you secure a policy here it will be transferable to your country. One of the considerations in being approved for the policy is your country of origin. My IFA will be able to advise further on this.
Nov 25, 2015 at 4:16 pm
Russell says
Would you be so kind as to send me details of your IFA please.
Nov 20, 2015 at 6:50 am
TheThailandLife says
I’ve sent his email address to you Russell. Thanks.
Nov 20, 2015 at 5:48 pm
Carl says
I would also appreciate ifa’s details. As also looking for further advice on mortgages & inheritance plans. About time a Farang wrote responsibly & not a load of Bull , WELL DONE !!
Oct 16, 2015 at 9:37 am
TheThailandLife says
Thanks for the kind words Carl. I’ve sent the details to your email. Cheers!
Oct 16, 2015 at 2:39 pm
vichelle says
Hi! could you please share the details of your IFA to me as well. Thanks in advance!
Oct 09, 2015 at 12:21 pm
TheThailandLife says
Hey Vichelle, I have sent the details to your email.
Oct 09, 2015 at 4:45 pm
Julie Ann Mendoza says
Hi there! Just would like to get the contact info of your IFA. Will greatly appreciate it. Thanks!
Oct 01, 2015 at 11:21 am
TheThailandLife says
Hi Julie, I’ve sent the details through.
Oct 01, 2015 at 12:39 pm
Erik says
Can you send over info on your IFA.
Thanks.
Sep 29, 2015 at 7:48 pm
TheThailandLife says
Hi Erik, Leigh (got your reply), and Kim, I sent the details through for you all. Thanks
Sep 29, 2015 at 10:48 pm
Leigh says
I’d be grateful if you would share the details of your IFA with me too.
Sep 28, 2015 at 12:14 pm
Mr. Kim. Armitage says
Could you please supply me with the details of your IFA.
Kind regards Kim
Sep 27, 2015 at 10:23 pm
Patrick says
I would appreciate your IFA contact. I currently have a 10 year term for my wife and son through Lloyds of London. The annual cost is $320 US per year for a $150.000US of coverage, however I would like to explore other options.
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
Hi Patrick, I’ve sent the details to your email address.
Sep 11, 2015 at 11:16 am
Gary says
I would very much appreciate having the chance to speak with the IFA that you mention in your post. I have baby girl due in November. Just crossed baby car seat off the list and life insurance is up next.
Thanks in advance.
Sep 06, 2015 at 10:01 pm
TheThailandLife says
I’ve sent that through to your email Gary. Wishing you all the best with the birth and beyond!
Sep 06, 2015 at 10:07 pm
Mark says
Could you please give me the details of your IFA in please. Thanks.
Sep 01, 2015 at 5:03 pm
TheThailandLife says
Hi Mark, just sent the details to your email.
Sep 01, 2015 at 8:10 pm
gary chatwin says
Hi have just read your page and am in the process of buying a house with my thai partner and want to make sure shes taken care of should I die so can you please send me any information and contact details to help me with this much appreciated Gary
Aug 17, 2015 at 8:55 am
Graeme Paterson says
Hi, thanks for the information. I’m in a very similar situation to you and would really appreciate contact details for your IFA.
Aug 16, 2015 at 12:39 pm
TheThailandLife says
Hi Graeme, I’ve sent the details to your email. Thanks.
Aug 16, 2015 at 3:00 pm
Catherine says
Thank you for this article. I am an American citizen who has lived in Thailand the last 10 years and may return to the US some time in the next 5-10 years. I also have my daughter living here with me and am interested in term life insurance.
Aug 12, 2015 at 8:40 pm
TheThailandLife says
Hi Catherine. I’ve sent the details to your email.
Aug 13, 2015 at 12:02 am
Rohith says
Great article, please send me the contact details of IFA
Thanks
Aug 09, 2015 at 1:27 pm
TheThailandLife says
Hi Rohith, I’ve sent the details over. Thanks.
Aug 09, 2015 at 10:27 pm
Barry says
Hi great article and great information on a range of subjects, I am getting married this year to my Thái girl friend, will you please send me the life insurance information for IFA advisor, Thanks’
Oct 27, 2015 at 12:34 am
TheThailandLife says
Hi Barry, I’ve sent the details over. All the best with the wedding.
Oct 27, 2015 at 10:56 am
CHARLES says
Please send me details for IFA advisor. Thanks for the article.
Aug 08, 2015 at 7:53 am
TheThailandLife says
Hi Charles. I’ve sent the details to your email.
Aug 08, 2015 at 11:50 am
WL Chee says
I am in the midst of applying for my retirement VISA and definately need help with health insurance, wondering if you can email me details of your IFA.
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
Hi WL Chee, I’ve just emailed the details over. Let me know you got them.
Jul 31, 2015 at 11:48 am
Lane says
Hi. Great post. Thank you for taking the time to gather and share this valuable information from the expat point of view. Could you please send through the contact information for your IFA? Thank you so much.
Jul 19, 2015 at 7:45 pm
TheThailandLife says
Hi Lane, just sent the details through for you.
Jul 19, 2015 at 11:00 pm
mark says
P.S sorry am male & have been 2x now too Thailand but as I have a UK mortgage & just planning on giving up work in the UK & go travel SE Asia am not as you said married & with children
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
Hi Mark, as you have no children and aren’t married, I think you probably need good travel insurance that covers you well in the event of an accident rather than life insurance. As you mentioned, it’s always a good idea to make a will before you go travelling around the world, and being in your 30s like me, it’s just a good idea in general if you own a house or have some savings that you want to be left to particular members of your family.
Jul 15, 2015 at 9:29 am
mark says
good Information.. Am British 36 year & “thinking” of a multi 3x tourist visa & with a mortgage but no wife or children am curious as what your thought’s are?? I would be grateful for any suggestion’s
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
Hi, great article! Could you send me the contact details of your IFA as well? Thanks!
Jul 14, 2015 at 6:58 pm
TheThailandLife says
Hi Sharie, I’ve just the details to you email.Let me know you it, as a few emails have gone astray lately.
Jul 14, 2015 at 10:02 pm
Jing says
Hi,
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
Hi Jing, I’ve just sent that over. Thanks!
Jul 09, 2015 at 11:39 pm
Phil says
I have been looking around for a life insurance here in Thailand. Many answers that I have had say yes they can do, but as we all know, many times they say yes it actually means no when you get to the crunch point.
Could you please send me your IFA’s details.
Many thanks.
Jul 09, 2015 at 11:26 am
TheThailandLife says
Hi Phil, yes, it’s a nightmare trying to find a company you trust to actually pay out to those you love should something happen to you. I’ve sent the details to your email. Thanks.
Jul 09, 2015 at 11:50 am
Paul Hancock says
I would also appreciate details of the IFA mentioned in your article.
Jun 08, 2015 at 10:23 pm
TheThailandLife says
Hi Paul, I sent the details to your email. Thanks
Jun 08, 2015 at 10:42 pm
Michael says
Could you please send me your IFA contact. Looking at either whole or term but need very reliable honest person to deal with. Thanks
Jun 07, 2015 at 2:40 am
TheThailandLife says
No worries, Michael. I sent over the details now.
Jun 07, 2015 at 11:39 am
Julia says
could you please give me that person contacts. Thanks in advance.
May 28, 2015 at 10:40 am
TheThailandLife says
Hi Julia, I have just sent the details through.
May 28, 2015 at 1:45 pm
David Gray says
Good afternoon, could you please send me the address of your independent IFA in Thailand. Thank you
May 21, 2015 at 3:08 pm
TheThailandLife says
I’ve just done that, David. Thanks.
May 21, 2015 at 3:19 pm
Alexander Jensen says
Hi, This days im going to get an good healt/life and accident insurance. Been in contact with Bupa, FWD-TMBbank insurance but i dont know what best for me. I got a Thai wife now and her litle boy. Will be very happy if you send me some information.
Thank you.
Alexander
May 20, 2015 at 7:34 pm
TheThailandLife says
Hi Alexander, I have my health insurance with Bupa and separate life insurance. Don’t go with a Thai company that combines the two. I will send you the details of my IFA to your email address now.
May 20, 2015 at 10:22 pm
Alexander says
Thank you 🙂
May 20, 2015 at 10:45 pm
Aod says
Hi,
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
Hi Aod, I’ve just sent that through to your email. Thanks
Apr 30, 2015 at 12:18 pm
Gary says
Hi,
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
Hi Gary, there sure is. I think it’s because there are few appropriate solutions for us because most Thai companies are offering health insurance with life insurance as an add on. The terms all seemed pretty shady to me too when I was going through the process. Luckily I was introduced to my current IFA and he’s been a god send. I’ll email you the details now.
Apr 28, 2015 at 11:54 am
J says
Please send me details of your IFA thank you.
Apr 27, 2015 at 9:08 am
Duncan Williams says
Please send me details of your IFA thank you
Apr 24, 2015 at 5:35 pm
TheThailandLife says
Hi Duncan, I’ve just sent the details to your email. Thanks.
Apr 24, 2015 at 6:03 pm
Jo says
Really helpful article on life insurance. Could you send me the details of your IFA.
Kind regards
Jo
Apr 18, 2015 at 8:31 am
TheThailandLife says
Hi Jo, I’ve just sent the details through. Thanks.
Apr 19, 2015 at 2:47 am
gary chatwin says
Hi can you send me details as to who to contact for life and accident insurance thank you
Apr 17, 2015 at 6:51 am
TheThailandLife says
I’ve sent the details over, Gary. Thanks
Apr 17, 2015 at 3:51 pm
Chris says
Hi,
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
Hi Chris, I’ve sent the details over to you. Please let me know you got them as some emails I’ve sent have ended up in the spam box.
Apr 14, 2015 at 6:33 pm
Patrick says
I would appreciate it if you could send me the contact details for your IFA.
Apr 04, 2015 at 6:16 pm
TheThailandLife says
Hi Patrick, I’ve just sent the details over.
Apr 04, 2015 at 6:57 pm
Dave Griffiths says
Hi can you please forward the contact details of your FIA to me i have taken out Thai life insurance last year and paid 30000.00 Baht for 500000.00 Baht when i close my account as you say. Which i am not over joyed with but it was the case of us just moving here and i wanted some sort of cover.
kind regards
Dave.
Apr 04, 2015 at 3:39 pm
TheThailandLife says
Hi Dave, no worries, sending it over now.
Apr 04, 2015 at 3:55 pm
allan watts says
Hi mate,
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
Hi Allan, I personally wouldn’t feel comfortable taking out any Thai policy. 3 million Baht is a small amount for such a high yearly premium. I’ll email you over the details now.
Apr 03, 2015 at 4:18 pm
Sharon says
Very helpful information. Please send me your IFA’s details. I’m seeking advice on insurance in Thailand. Thank you!
Mar 27, 2015 at 12:01 am
TheThailandLife says
Hi Sharon, I’ll send the details to you now.
Mar 27, 2015 at 12:19 am
Sean says
Hi!
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
Hi Sean, I’ve sent the IFA details through. Thanks
Mar 13, 2015 at 11:43 pm
Sam Marshall says
Thank you for your article – appreciate if you could send me the contact details of your IFA.
Mar 11, 2015 at 6:33 pm
TheThailandLife says
Hi Sam, I’ve sent the details through.
Mar 12, 2015 at 6:19 am
Richard Gooch says
thank you for the information, could you please send me details of the IFA..thanking you
Mar 08, 2015 at 10:02 pm
TheThailandLife says
Hey Richard, I have sent the details over to your email.
Mar 08, 2015 at 10:09 pm
Roy says
Hi my wife and I will be coming to Thailand to retire, may I have the contact details of your IFA please? Thanks
Feb 28, 2015 at 12:06 am
TheThailandLife says
Hi Roy, I’ll send the details to your email now. Thanks.
Feb 28, 2015 at 12:16 am
Dale says
Hi,
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
I’ve just sent the details over, Dale.
Feb 26, 2015 at 12:59 am
GeordiePaul says
Hi, I need Life, Accident and disabilty insurance in one! Living in Thailand, UK born Citizen. Any advice welcomed.
Jan 30, 2015 at 10:55 am
TheThailandLife says
Hi Paul, I have sent the details of my IFA to your email address. Thanks.
Jan 30, 2015 at 12:39 pm
Hans Hilhorst says
Please send me the contact info from the IFA for a life insurance. Thanks!
Jan 29, 2015 at 7:48 pm
TheThailandLife says
Just sent that to you Hans. Thanks
Jan 29, 2015 at 8:17 pm
JESS LEE VAN PELT says
I WOULD ALSO LIKE THE CONTACT INFO FOR YOUR IFA AS WELL,
THANKS SO MUCH
Jan 29, 2015 at 6:51 pm
TheThailandLife says
Hi Jess, I’ve just emailed you the details. Thanks!
Jan 29, 2015 at 7:01 pm
Shama Kern says
Could you please send me the contact info for your IFA as well – thanks.
Jan 24, 2015 at 10:26 pm
TheThailandLife says
Hi Shama, I’ve just sent the details to your email address.
Jan 24, 2015 at 10:30 pm
Matt Naus says
Wonderful informative post! Any chance you could share your contact with me as well? Thanks!
Jan 10, 2015 at 11:55 am
TheThailandLife says
Hey Matt, I’ve sent over the details to the email you provided in your comment. Thanks.
Jan 10, 2015 at 5:09 pm
Joe Thai says
Thanks in advance for sending along the IFA contact you mentioned. Must be better than those nutters at the bank twisting my arm every visit!
J
Jan 09, 2015 at 11:09 am
TheThailandLife says
Hi Joe, I’ve sent the details through by email.
Jan 09, 2015 at 1:38 pm
Ian says
Thanks for the informative post. Would you mind e-mailing me the details of your IFA?
Thanks!
Dec 25, 2014 at 11:06 am
TheThailandLife says
Hi Ian, I’ve sent the details through. Merry Christmas!
Dec 25, 2014 at 11:55 am
Reginald Cabi says
Thank you for this wonderful post about insurance sir. I’m a Filipino who’s planning to extend my work here in Thailand for about two years or less. Can you recommend me a company and a trustworthy IFA or insurance agent? I just want a term life insurance that will cover me in my duration here. Thank you very much sir, hoping for your kind response.
Dec 18, 2014 at 6:41 am
TheThailandLife says
Hi Reginald, I have sent you the email address of my IFA. He’ll be able to advise you on the options.
Dec 18, 2014 at 9:56 am
Reginald Cabi says
Thank you so much for the response sir, I have read your email. God bless you. 🙂
Dec 19, 2014 at 3:15 am
Marvin Bemand says
I am interested in life insurance, can you recommend a company/policy ? I have lived in Thailand for the last 7 years.
Thank you
Oct 14, 2014 at 10:39 am
TheThailandLife says
Hi Marvin, I have emailed you the details of my IFA who sorted out my life insurance for me.
Oct 14, 2014 at 10:44 pm
Andy B says
Great introduction to life insurance, could you send me the details of your IFA as well please
Sep 26, 2014 at 12:28 pm
TheThailandLife says
Hi Andy, I have just sent the details through to your email. Thanks.
Sep 26, 2014 at 2:10 pm
melissa says
Hi,
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
Hi Melissa, I have just emailed you the details over. Let me know you received the email. Thanks.
Sep 22, 2014 at 12:43 pm
bibblies says
Congratulations on getting married and becoming a dad!
Sep 18, 2014 at 3:54 am
TheThailandLife says
Thank you Bibblies! I have been married near on a couple of years but the baby is fairly recent, bless her.
Sep 18, 2014 at 10:18 pm
Charlie Pritchard says
Hi, Thanks for the info. Please send me the details of your IFA.
Thanks in advance.
Sep 06, 2014 at 11:33 am
TheThailandLife says
Hi Charlie, I have just sent the details to your email.
Thanks
Sep 06, 2014 at 11:43 am
Steff says
Thank you in advance please could you send details of your IFA. Great article
Aug 15, 2014 at 2:27 pm
TheThailandLife says
Hi Steff, I have just sent the details to your gmail address.
Thanks.
Aug 16, 2014 at 11:22 pm
Polo says
got it. all the best!
Jul 23, 2014 at 9:07 pm
Polo says
Great blog. I am looking for term life insurance in Thailand. Appreciate if you can send your contact to me. Thanks much.
Jul 22, 2014 at 6:42 pm
TheThailandLife says
Hi Polo, thanks. I will send you an email with the details now.
Jul 22, 2014 at 7:36 pm
Matthew says
Thanks for the great article. I’m currently in an identical situation to you pre life insurance and looking to get some. Could I have the details of your IFA? Would be very grateful.
Mat
Jul 05, 2014 at 5:25 pm
TheThailandLife says
Sure Matthew. I will email you it over now.
Jul 05, 2014 at 10:31 pm
Daniel says
Thank you for this. Would you send me the contact info for your IFA please? Thank you.
Jul 01, 2014 at 10:13 pm
TheThailandLife says
Hi Dan, I have sent the contact details to the email address you used to comment on this post. Thanks.
Jul 01, 2014 at 10:55 pm
Russell Conrad says
I am American living in thailand for the past 10 years and will be here the next 10 years. I’d like to get a whole life insurance policy here in thailand. Can you recommend someone?
thanks
Jun 28, 2014 at 12:41 pm
TheThailandLife says
Hi Russell,
I have sent you an email with the contact details of the advisor I use.
Jun 28, 2014 at 1:03 pm
Lee says
Could you please give me the details of your IFA in please. Thanks.
Feb 24, 2015 at 11:17 am
TheThailandLife says
Hi Lee, I have sent the details to your email.
Feb 24, 2015 at 4:31 pm