On 6/5/2026 at 9:11 AM, DrJack54 said:

Don't think the OP is asking about agent because the process (particularly for extensions retirement) is complex.

Far from it.

As he points out 1.6 million baht is significant amount to park into a Thai bank account given how much that money can accrue in home country investment

Why has nobody considered to advise the OP "partners" to only use 800/400k between them.

One enters NON-O and does the 800/400k, and immediately starts monthly transfers while the other one enters NON O-A. At the end of the first year the NON-O visa holder transitions to monthly transfers and the second one exits and reenters NON-O. Still only a maximum of 800/400k between them.

Then there is no insurance requirement for either of them. They can then figure out between them if it is better to keep second partner on money in the bank or that the second one should also switch to monthly transfers.

This results in nobody needing to jump through the insurance hurdles and never reaches the 1.6 million all the posters are talking about. It is a maximum 800/400k between them.

copy @Smudgy

14 minutes ago, expat_4_life said:

One enters NON-O and does the 800/400k, and immediately starts monthly transfers while the other one enters NON O-A. At the end of the first year the NON-O visa holder transitions to monthly transfers and the second one exits and reenters NON-O. Still only a maximum of 800/400k between them.

Too convoluted IMO.

The one with the Non O-A requires insurance for first year.

The OP, s plan of each obtaining Non O is better option.

As for changing to income method that can be done by one or both.

130k would be too much monthly income for most couples however they could both do "combination method" and have end result of 400k each in bank along with required monthly transfers which they can live off.