Yeah, too many agents out there who don't even know what they are selling. They only know a few products of their company, and pushing products instead of getting to know the prospects needs.

I experienced that before, and I politely ask them to go away. None of them actually follow up.

It's true that plans from each companies almost the same but I do not know that walking in can get us cheaper deal. Though I know it's now available for Car Insurance.

Yeah, now thinking, agent might be replaced by technology.

BNM rejected the proposal to have insurance online. But I think in the future, they will definitely going into that.

Agree with PJusa.

There are a few plan out there which cover CI until age 80+.

I think 50k annual limit is too low especially for you who is so young. But you can always start small, and increase later.