Pros and cons of buying insurance yourself vs through an agent?

I would suggest trying out with MoneyOwl (https://www.moneyowl.com.sg/). You can easily compare between different insurance policy quotes that they sell using their online calculator.

Furthermore, their agents are salaried and don't operate on a commission basis, so you won't get that kind of "pushy" agents or agents that might put their commission over your financial interests.

You also get a 50% agent commission rebate for all insurance policies you get. Right now I believe they also have a promotion such that if you are an NTUC member as well, you get up to 60% of commission rebate.

P/S: I am not from or sponsored by MoneyOwl btw. I personally also got some of my insurance policies from them and just really liked the idea of a commission rebate, as well as their service.

Cheers.

- Jeffrey (jeffreyleezq.com)

With how easy it is to buy policies and make claims online now, there's very little benefit to having an insurance agent these days.

Unless you really know next to nothing about insurance planning, and/or can't be bothered to do some research about it.