well, i just think it is reasonable to take your own agent wat..
insurance agent is a service industry.. which you expect the agent service when you need it..
just imagine, your agent is 50 years old, and you are 25 years old..
at the moment you really need the insurance, especially in your elder age (for example 55 years old), how could you expect a grandma of 80 years to service you to claim the insurance for you..