Getting an agent to service is good at times when you have problem filing a claim or need a person who has experience in claim to appeal for you.

If you think FSM is not earning a single cent out of you, you're kind of mistaken in a way. Otherwise why would they bother to promote it ? Charity ? Plus if I am FSM, I won't need to service you, just take your money and go service urself.

However if you're trying to save all the commission and not want to pay for any service, then self service is the way.