Ocean Insurance is a reliable company in Thailand. My spouse worked for them for several years, and I was involved in helping several foreigners who needed assistance. I think their accident insurance is very reasonably priced, and I know that they make pay-outs in an honest manner. Take the original documents of your life and accident insurance and put them all in an envelope, along with a cover letter than explains exactly whom to contact and how to reach the company in case of your death. Also, investigate the tax issues about the benefits, and explain those to your spouse in the cover letter. I once sat down and explained my insurance to my spouse. I think it is a good idea to do that because if it happens, your family will be set and know what to do. Having a will is important, and sticking that in the envelope completes the picture. If you are a foreigner living in Thailand, it is a damn good idea to have accident insurance too. Investigate and get all of this stuff set up for the benefit of your family. In Thai culture, there are going to be a lot of immediate financial demands upon the family following one's demise. Having insurance in Thailand and in one's home country is also a very good idea. It might be an uncomfortable topic, but it is one of those things we need to take care of.