these guys are jealous who keep knocking folks on a pension. When they retire they wont have a pension so when they retire they wont be able to afford even to go to Butlins.
Don't listen to your friend, if you have doubts talk to your insurance provider or get a Thai friend to read your policy. Important thing is you have the correct cover.
Put the hose pipe on him everytime he comes. Tell the people he rents off about him. Tell local thais about Him, make his life as difficult as possible.