Just applied for insurance with Pacific Cross. At 65 extensive physical was required and at substantial cost. A portion rebated down the line. Cost included Certificate of Insurance, covid coverage, with 5 million coverage at 65,525 B with 25% discount for 40,000 B deductible. A 3,000,000 B life policy is included in that price. Obviously not cheap to go the O-A method. I can certainly see why many choose entering on a tourist visa and converting in Thailand. Fortunately, the e-visa is straightforward and no need to spend $3000 US on Bangkok attorneys.