We are still survive and always enjoy our working days.

Nothing to compare about as it is totally different thing. Insurance is customized base on individual needs.
Nowadays those who still need agent to serve can consider outdated. Why need agents to serve? Agents are not as reliable as you thought due to conflict of interest. How long can an agent ensure themselves of how long will their service last?

Nowadays all corporates include banks, supermarkets, electrical appliance retailers, Pos malaysia are selling insurance. Dont they have enough staffs to serve you eventhough agent close shop or dead?

Regarding of insurance, no party need to be serve unless there are enquiry. (More to consultantion) Regarding claims, less than 10% of agent have knowledge about it and there are claims department from insurance company who can assist. Regarding value also none agent can do unless get printed from insurance company. Regarding investment, I bet bankers are more brilliant than insurance agent except those really have good knowledge of existing investment market in the globe but not just their own products.

Do make yourself clear that, insurance is for protection, investment is for bank, health awareness is for your food intake control, exercise and rest.