Etaoin Shrdlu

Also venal hyper-supply.

IMG acts as a managing general agent for some insurance companies. That means it has the authority to underwrite, issue policies, and also pay claims under agreements with certain insurers. It may also act as an independent insurance broker with respect to other companies. IMG itself is not an insurance company, however. I've always questioned whether an insurance broker that acts as a managing general agent can effectively represent a policyholder's best interest vis-a-vis an insurance company with which they have an MGA agreement, especially if their MGA agreement contains profit sharing provisions. But that may not be an over-riding concern with consumer insurance that is subject to consumer protection regulations in a well-regulated jurisdiction. IMG's headquarters are in the state of Indiana in the US, but may also be licensed in other states or countries, so you would want to know with which IMG entity you were dealing. Any US-regulated IMG office should be ok as far as regulatory oversight is concerned, although some states may have better consumer protections than others.

I have Phone2 and now use it instead of Skype to make calls to the US and it seems to work well enough. My bank in the US does not use SMS for 2FA, so I can't say how reliable it may be for that purpose. Note that Phone2 only allows outgoing SMS service on business accounts which require uploading a copy of the business license to subscribe. I think a better solution is Tello, where you get an eSIM and access to the T-Mobile network in the US. Cheaper than an AIS international roaming package. I subscribed recently and used it in the US last month. I think that Tello now requires activation while in the US. Not sure if there is a work-around for that.

It was a hot time in Thailand in the 1990s: the Kader Doll Factory fire, the Petchburi Road inferno, and this fire.

They keep spelling "Auschwitz" wrong.

I would suggest obtaining verifiable third party information on WRLife's (the insurer, not the broker) audited financial statements to ensure that WRLife is a financially sound insurer with proper reserves for claims. This is a better indicator of ability to pay claims than anecdotal evidence from other policyholders or information obtained from the company itself.

They're just imitating ICE: https://abc7.com/post/immigration-agents-caught-video-urinating-high-school-pico-rivera-el-rancho-unified-district-says/16926163/

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Exchange rates are mostly a function of comparative interest rates. Fed chairman Jerome Powell is keeping US rates high due to concerns about inflation. If Trump succeeds in evicting Powell from the Fed as he is attempting, presumably his successor will cut interest rates. This will cause the dollar to drop vis-a-vis the Thai baht barring similar rate cuts by Thailand. The full effect of Trump's weak dollar policy hasn't been felt yet.

A durable power of attorney can allow someone to handle your financial affairs while you are unable to do so. I assume a durable PoA is a thing in NZ. It may take some time to get the PoA recognized and the funds liberated from an NZ investment account, however.

Yes.

As a general rule, disclosure is usually safer than non-disclosure. I'd also advise reading the policy in full and discussing the issue with your insurance broker.

I haven't seen a general requirement to inform an insurer of changes in one's health status absent making a claim, but it is possible that some insurers do.