Usually when you buy an insurance product directly from an Insurer, you will still be assigned an Agent from the insurer. (Unless this is a DP policy) There will not be an price differences when you buy directly inbranch or via agent. However i strongly encourage you to think about the following things 1) Personal product knowledge Would you be adequate enough in knowledge to buy the product or an industry expert who have good statistic and information to assist you. Of course the reliablity of the expert should be one of the top concern. 2) Convenient of search Imagine you want to spread the risk and put all your insurance coverage in different companies as they might be better in different product catagory, would you want to run around and hunt yourself. An Agent who represent all companies might help alot in consolidating comparison for you 3) Claims Agent are paid via commission for every deals they make. But the true test of it comes from the claims assistance. A good agent will assist you in ensuring your financial well-being are covered in times you need and ensure claims are paid swifty.