Thanks for the link. I had to do the math on item 12 because the example was for 15 mil. insurance. If this is true I'd still have to move some money out, but not as much. However the manager insisted it wasn't covered, only one million per bank, so I just moved it. It doesn't matter really.
The savings scheme was insane. 12 years. First of all I'm too old to invest for 12 years in one thing and when I was younger I was too young to invest in one thing for 12 years (except my mortgage). The interest didn't compound and they said the interest would be 19%, which wasn't true. Then the final nail on the coffin was that they claimed I would make 424% on 400,000 THB over 12 years yielding 424,427 THB. Even if you don't compound the interest 424% on 400,000 is 1,696,000 THB. Who makes up these things. After I saw this I wired the money out and keeping the bare minimum in the bank.