No you're wrong. Read his post again. The O/P said:
'Something like pay x baht a month and the value increases if I live to 70 I get a lump sum.
if I die at 55 or 65, my wife gets at least 10 million baht'.
That's what I know as an endowment policy and they are a popular savings vehicle here in Thailand. The O/P, as I've already suggested should contact a reputable insurance broker who can assess his needs and make recommendations.
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