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You don't, if you are an expert in every available company in your area, you know which companies will underwrite what, you know their rates, you know their claims process, and you would rather deal with their customer service department yourself than speak with a local agent.
The only difference between having an agent and not having an agent is you have an additional service representative that deals with you outside the insurance company that can help with issues, and they work for you without an additional fee. They do not work "for free", because a commission is paid to them by the insurance company, and that cost is built into the rate that you are charged for the insurance (the premium that you pay is a function of the "rate").
Insurance companies for health or life insurance are selling their products through agents at the exact same rates they offer directly, you will not save any money by going directly to the carrier, but you'll lose extra support and advice you could have obtained from an agent. Furthermore, by having a relationship with an independent agent, rather than dealing directly with an insurer that may be a "direct writer", you will have the opportunity for a licensed and regulated person to learn your circumstances, make insurance recommendations, and because he/she is regulated by the insurance regulatory authority of your State, you have the potential of regulatory recourse of the agent commits an offense that is contrary to the State's insurance law governing his/her behavior, or the fiduciary relationship with you.
Also keep in mind that there is a difference between truly independent agents (often called "brokers") and a captive agent who only writes for one or a couple of companies. The former will generally have a wider variety of companies and products from which to choose and to meet your financial needs.
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Need to find an independent Life Insurance Agent in zip code 34669 or near?
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