Bangkok or the countryside, I interact with the locals every day. Talking with English speaking expats for an hour or so once or twice a week is not separating me from Thailand.
I got my 10 year pensioner LTR in January inside Thailand. My income is a simple pension. I gave them my previous year US tax return. I believe that now you have to give them 2 years of tax returns. My income was simple and they never asked me about it again. Whatever you submit on the application, once they start working on it they will ask questions and it will easy to communicate with them.
I had previously had an OA visa and my insurance certificate satisfied the insurance requirement.
I described my whole experience on this site last January but my experience may be a little out of date one year later.
I agree which is why I keep recommending the O. I extended my visa myself in Bangkok. You don’t need an agent but I am aware many prefer using an agent
I watched a video of someone else that compared companies and and I chose Pacific Cross. I start the policy in 2018 and it was my first time buying insurance in over 30 years. I can’t say I am a sophisticated buyer. There are too many variables for each person to recommend a specific policy. As for the integrity of the company, there will always be people the love or hate a particular company. I have never made a claim so I can’t report on that except to say that I am getting a discount of about 20,000 baht for not having made a claim.