This company is great! My entire experience with Regency Assurance has been fantastic. I have my health insurance and life insurance cover through them and to start, the prices are very reasonable. I arranged cover through a broker friend in Thailand, she gave me a comparison of all the options and Regency were by far the lowest price. The cover comparably is very good and includes some fantastic additional add ons whilst the main cover is comprehensive. I have not made any claims on the life insurance (obviously), but I have submitted some on the health insurance. The process is simple. I didnt need to post anything, it was all done by email electronically and was resolved quickly. From start to finish of getting paid was about 48 hours. The staff were also extremely friendly. I applaud their customer service training. A shout out to my friend Jenny B for recommending them and doing such an indepth review for me, you are a star.