Should insurance agents be able to / expected to advise on non-insurance-related financial matters? e.g. investment, wills, savings and expenses?

At the basic level, insurance agents are expected to do what they need to do, i.e. provide the right advice to the clients based on the clients' insurance needs. Anything else is a bonus and varies on an individual basis.

For instance, some agents may be well-versed in consumer finance and it may be good to use it as a reference.

Professionally, I am licensed to draft Wills and do estate planning for my clients. This is because insurance forms part of estate planning. However, not all agents are licensed to do so and are merely introducers or tapping on knowledge that are easily found online.

On the whole, it will be helpful if you possess some knowledge in some of the areas on financial planning and estate planning. Then find the right specialist that is able to help you further to this end.

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They should at the minimum, be expected to know how much coverage and their plans.

For comparison, sadly, not all agents can do it.

Red flags are normally "limited time", and "do not wait". Insurance is important, and non-negotiable, but never succumb to pressure when you are not thinking properly.