you could have done the whole registration process on the internet, so two trips to the US for nothing, must be nice to have money to piss into the wind, but you are so worried that you might have to pay taxes in Thailand.
How many people do you personally know with WR Life that have had problems? None thought so, I have a large group of friends that are insured with them, a few have made claims with no issues. One has made multiple claims with no issues.
You just got lucky, I needed translated copies of my passport and marriage certificate, costed me 300 baht for expidited service, 5000 baht is pretty pricy for something that is free at most offices